Challenging Mortgage Agreements and Repossessions

• Mortgage Indemnity Guarantees
• Unfair early redemption penalties
• Sub Prime mortgage agreements
• Payment Protection Insurance Policies
• Secret commissions
• Miscalculated APR’s
• Unfair charges
• Unfair Terms and Conditions
• Any form of ‘unjust enrichment’ by the lender
• Known misconduct of the lender that has resulted in a fine from the FSA
• Endowment policies or investment bonds
• Overpayments

Where an agreement is deemed as ‘unfair’ in anyway you will be entitled to compensation.  The level of unfair treatment you have received will be used to assess the level of compensation you receive.

In all cases our solicitors seek to recover monies that have been over paid or charges that have been unfairly levied whilst also seeking damages from the lenders for wrong doing.

How much will I pay?

The only charge to our clients is the cost to ‘audit’ the mortgage agreement. This involves our solicitors manually checking the mortgage agreement and generating a report outlining the areas in which you will be able to seek compensation.

For this service, we charge:

• £495 for each mortgage agreement ‘audit’
• Fee refundable less a £150 admin charge if the client has no claim

 
If the ‘audit’ positively shows grounds for a compensation claim, our solicitors will:

• Litigate the claim on your behalf on a ‘No win, no fee’ basis.
• You will keep 100% of the settlement and there is no further costs.

Who will qualify?

• Any individual in with a mortgage agreement regulated in England and Wales
• The agreement can be current or redeemed but must have been executed in the last 12 years

Minimum criteria

There is no other criteria than the above. Even claimants in default are eligible to claim and in the event of a successful claim they can apply for defaults and CCJ’s to be removed from their credit history. The claimant can be employed, unemployed; retired; a home owner or a tenant.

We will deal with any Mortgage Agreement that was created in the UK regardless of whether the client still resides in the UK or not. The debtor must be over 18 and be able to provide legal authorisation for us to act on their behalf