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

[Diana M]

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

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?

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

[Diana M]

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

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

[Kati]

Re: help

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

[cloudydays]

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

[cloudydays]

Re: help

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

[Fred]

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 ?

[Diana M]

Re: help

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

[cloudydays]

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

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

[Fred]

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;

[cloudydays]

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

hello
and thank you for your post

[cloudydays]

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

[Fred]

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

-----------
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.

[cloudydays]

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

[Amethyst]

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?

[cloudydays]

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