Mis-sold Mortgage

[joedachef]

Just seen this on a site about checking if you have a mis-sold mortgage

• you were advised to self-certify (borrow money without proving your income) or overstate your income in order to borrow more
• you were advised to switch lenders and weren’t told about the fees and penalties
• you were given a fixed-rate mortgage and told to remortgage to a better deal later on, then incurred penalties for leaving the fixed rate early

this happen to me-but how long can you go back?

[Amethyst]

6 years from when you could reasonably have known the mortgage was missold to you ( and I believe you can only go back to 2004 )

Did you buy your mortgage through a mortgage broker or direct with the lender ?

The bit you've posted is here https://www.moneyadviceservice.org.u...s-affected-you which also gives a guide to making the complaint.

[joedachef]

the other thing that happened was I had a second mortgage attached to the house with Welcome Finance for 11k, now I know when the mortgage people
took the house back the second mortgage then became an unsecured loan, after the sale-they sold it to PRA Group and it now stands at £13691.38
Could I use the 3 letters on this loan as I have no way of paying it back
The agreement date is 17th December 2007, and PRA are still sending letters and ringing