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ROOFTOP mortgage - applied for 15 years - told its for 30 years !!!!!

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  • #61
    Re: ROOFTOP mortgage - applied for 15 years - told its for 30 years !!!!!

    Originally posted by cloudydays View Post
    we have a letter from rooftop stating that they have sold all mortgages to a company called lakehouse mortgages limited
    the letter states that they will take over on the 19th april 2017 and that the new company will be setting new rates and charges and terms and conditions
    what do we do know we just feel at wits end and are very worried
    I've replied to this on your other thread.

    Wait until you hear from Lakeside to see what they have to say before you start to worry. They may be more pleasant and amenable than Rooftop to deal with.

    Are you paying by direct debit and does the Rooftop letter say this will continue showing Lakeside instead of them on your bank statement?

    Originally posted by Diana M View Post
    That's a good question since according to Companies House Lakehouse Mortgages Ltd is a non-trading/Dormant company.

    https://beta.companieshouse.gov.uk/company/08763016

    https://beta.companieshouse.gov.uk/c...filing-history

    Maybe they're about to spring back into life.
    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

    Comment


    • #62
      Re: help

      I've posted on your other Rooftop thread so maybe [MENTION=49370]Kati[/MENTION] would kindly merge the two to keep things all in one place.

      Your other thread is here > http://legalbeagles.info/forums/show...486#post716486

      Originally posted by Diana M View Post
      Wait until you hear from Lakeside to see what they have to say before you start to worry. They may be more pleasant and amenable than Rooftop to deal with.

      Are you paying by direct debit and does the Rooftop letter say this will continue showing Lakeside instead of them on your bank statement?
      Di
      I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

      This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


      Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

      Comment


      • #63
        Re: help

        Originally posted by Diana M View Post
        I've posted on your other Rooftop thread so maybe @Kati would kindly merge the two to keep things all in one place.
        sorted x
        Debt is like any other trap, easy enough to get into, but hard enough to get out of.

        It doesn't matter where your journey begins, so long as you begin it...

        recte agens confido

        ~~~~~

        Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

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        • #64
          Re: ROOFTOP mortgage - applied for 15 years - told its for 30 years !!!!!

          hello
          thank you so much for linking the threads together
          they say the mortgage will be serviced by capita mortgage service limited on behalf of lakehouse
          re direct debit they say that's staying the same
          can they just sell us and can the new company and can they just set the mortgage interest rates to what they want
          trish

          Comment


          • #65
            Re: help

            Di
            is this something your solicitors would take on for us
            Trish

            Comment


            • #66
              Re: ROOFTOP mortgage - applied for 15 years - told its for 30 years !!!!!

              cloudydays

              Have you complained about the applied charges within the last six months ?

              Comment


              • #67
                Re: help

                Originally posted by cloudydays View Post
                Di
                is this something your solicitors would take on for us
                Trish
                I've received your PM and voicemail. We have previously spoken about your Rooftop mortgage so I will call you when I'm back in the office on Thursday.

                Di
                I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

                This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


                Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                Comment


                • #68
                  Re: ROOFTOP mortgage - applied for 15 years - told its for 30 years !!!!!

                  helloed
                  and thank you Di
                  no I have never complained re charges

                  Comment


                  • #69
                    Re: ROOFTOP mortgage - applied for 15 years - told its for 30 years !!!!!

                    Have looked at the last two years FOS (Ombudsman) decisions on Rooftop, there are only four, this is one of them;
                    Attached Files

                    Comment


                    • #70
                      Re: ROOFTOP mortgage - applied for 15 years - told its for 30 years !!!!!

                      hello
                      and thank you for your post

                      Comment


                      • #71
                        Re: ROOFTOP mortgage - applied for 15 years - told its for 30 years !!!!!

                        Can they just sell your mortgage as I thought our contract was with them
                        What if they charge way higher than rooftop of 6.25 % that we pay at the moment do they have the power to change all our terms and conditions

                        Comment


                        • #72
                          Re: ROOFTOP mortgage - applied for 15 years - told its for 30 years !!!!!

                          Originally posted by cloudydays View Post
                          Can they just sell your mortgage as I thought our contract was with them
                          What if they charge way higher than rooftop of 6.25 % that we pay at the moment do they have the power to change all our terms and conditions
                          -----------
                          They can sell the the business to anybody they like so long as they are licensed to manage. The contract is just a contract & its value lies within the terms & the security.

                          Comment


                          • #73
                            Re: ROOFTOP mortgage - applied for 15 years - told its for 30 years !!!!!

                            hello
                            what I don't understand is that the Rooftop states that they (new company) are changing all our terms and conditions including interest rates and how
                            long we have our mortgage for
                            as we wanted to sell we gave rooftop notice to this as it stated we had to in our terms and conditions
                            now rooftop are saying that we have to give new notice to the new owners
                            which I feel is totally unfair
                            also when I rang rooftop for a total of outstanding balance it has gone up by 35 thousand from our last mortgage statement
                            considering we have paid a whole year off of the last statement
                            we feel very alone and just don't know what to do

                            Comment


                            • #74
                              Re: ROOFTOP mortgage - applied for 15 years - told its for 30 years !!!!!

                              Did you ask them to send you a full statement of the last year so you can see how it has gone up by £35k ?

                              What are Rooftop saying you have to give notice to the new owners about?
                              Common Sense .... if in doubt, use it !

                              “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

                              Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                              Find Solicitors offering fixed fees on our sister site - JustBeagle.com

                              Comment


                              • #75
                                Re: ROOFTOP mortgage - applied for 15 years - told its for 30 years !!!!!

                                Hello
                                They said via phone that it went up because of charges that where outstanding that only came to light when they where sorting through everything for the new owners I asked them to put this in writing and she refused she also stated that as we gave notice to them (rooftop) that we wanted to sell that we also have to give new notice again to the new owners of our mortgage we have had a letter from the new owners telling us of the new fees (which are higher )
                                And as of April 1 rooftop do not own our mortgage we can't disagree any fees which they have added as it's all been sold so we have been also told

                                - - - Updated - - -

                                Hello Di
                                Hope you can call soon
                                Trish

                                Comment

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