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HSsky2019

Rooftop Mortgages - Mortgages PLC

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Hi have received a letter today from MPLC regarding the "sale" of our mortgage to Rooftop Mortgages,  letter dated 7th sale goes ahead on 12th (5 days).  Have called MPLC cant give me any update as to why the account has been sold just its in the terms and conditions that it can be sold.

 

Have googled Rooftop and am worried about their tactics and procedures.

 

For example : I have always done my own home insurance since conception of mortgage, MPLC charge me an annual fee of £40.00 for not having their insuances.  This I accept and the charge has always been added to the balance outstanding.

 

Also in 2007 we had some mortgage arrears and was nearly repossessed. 

We had a suspended repo order and balance was paid off but again charges were added to balance. 

Since then we have had some arrears and some charges which again were added to balance. 

 

I am currently £458 in arrears with a payment plan in place with MPLC (before its sold)

 

The scare stories I have heard is that Rooftop strip out any charges over the lifetime of the mortgage (pre sale) and add them seperately and pursue you for them as arrears quite visciously.  For a start there will be 15 years worth of £40.00 and the umteenth £50.00 we ahve been charged.

 

Does anyone know how Rooftop operate in 2019 and how they have approached arrears on sale?

 

Also, I have read some stories about them hiking up the interest rate as well.

 

Please can someone offer me any guidance?

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quite std for mortgage plc to sell to rooftops

 

get an sar running to rooftops

get all the info 

and get reclaiming all those unlawful fees

 

if you mean BUILDING INS then reclaim that as PPI 

 

 

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Hi would I do this with MPLC or Rooftops as MPLC charged me ? 

 

Do you know if they will come for charges on one hit ?

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why do you agree to paying them £40 for not using their insurance? not a lawful charge

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