Questions & Answers Some frequently asked questions and useful information

  • Q

    I'm not sure about certain terminology?

    A

    No problem. Below are the most common words that people often don’t understand or get confused with:

    Mortgage – A loan to finance the purchase of a property
    Sub prime mortgage – A loan granted to a person or persons who have had their credit impaired, by way of missed payments, county court judgements or defaults.
    County Court Judgement – an order granted by the court for non payment of a debt
    Default – similar to a county court judgement
    Missed payments – normally recorded on your credit file if payments are not made on time and in accordance with your original credit agreement
    Mortgage Deed – A legal document signed and executed to effect the transfer of a property to show the legal right to posses it.

  • Q

    What is mortgage mis-selling?

    A

    A mis-sold mortgage can be a variety of things.  If you were advised to take an unsuitable or unaffordable product.  Encouraged to inflate your income by a mortgage broker to ensure you got a loan.  The solicitor has not acted with duty of care.  These are just a very small sample to check if you have been mis-sold a mortgage please complete the online form or telephone 0800 612 4136

  • Q

    What fees do you charge?

    A

    We will assess your case free of charge.  Once we have established you may have a case our solicitors will work on a no win no fee basis and will provide you with full details.  There fee is typically 25% plus VAT

  • Q

    How far can you go back?

    A

    We can review any mortgage taken out after 31st October 2004.

  • Q

    How long does it take?

    A

    The initial process of collecting the documents from the various parties can take upto 3 months.  Once we have all the paperwork we can advise if you have a claim within a week.  The lenght of the claim process with depend on the complexity of the matter, but could easily be in excess of 12 months.

  • Q

    My house has been repossessed, can you help?

    A

    Yes we can audit the orginal mortgage of the property and the repossession process.

  • Q

    Am I guaranteed success?

    A

    Lets be realistic, nothing is guaranteed.  We will act using our best skill and judgement to ensure where possible we obtain a successful outcome.

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