David and Sarah took out a mortgage with Rooftop Mortgages in 2006. The couple, who had previously never missed a payment fell into arrears following an emergency eye operation David had to have. They received their statement from Rooftop and were shocked to find charges of around £1500 made up of ‘arrears management fee’s’. The couple challenged the unfair fee’s and sent a letter to rooftop requesting an explanation for such a high amount of charges. Rooftop replied by stating that the charges were in accordance with the Mortgage terms and conditions that they had agreed to when they took out the mortgage. Sarah wrote a further letter requesting a full breakdown of the charges, Rooftops reply was that the charges were to ascertain the reasons for the arrears, help bring the account up to date and monitor arrangements’. On this basis Rooftop refused to give the couple a refund. The result was that money that could have gone towards the arrears payments went on needless charges placing the couple into further debt and financial difficulty.
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Tags: high charges, rooftop mortgages
we have problems with rooftop mortgages they have put on over 25k of charges and legal fees and we do not knowhow to deal with them anymore
I have had severe problems with rooftop mortgages they also charged me 25k last year my arrears were for several months they charged me that amount. I paid them this year they have charged me 5.5k for fees. This company is a loanshark they have ruined our lives. Originally my mortgage was fixed for 1 year when i came out of this period my mortgage rate went 10.2 % I was having to pay double my mortgage.
You have to report Rooftop Mortgages to Financial Services Authority
http://www.financial-ombudsman.org.uk/consumer/complaints.htm
When you have to put everything in writing and complain. They are theiefs ! and they should not be allowed to get away with it .
Martin
I took out a mortgage with Rooftop mortgages 5 years ago – I fell into arrears various reasons mainly health and unemployment respectively. I tried to reduce the arrears and eventually received eviction notices when I could not repay all the arrears.
Rooftop did not offer any payment holidays neither did they agree to spread the arrears over the length of the morgtgage. I now find that the charges on the account are more than the arrears themselves. Some £14,000 – this is nonsence and should be looked into.I need help to sort this out as I will soon lose my home as a result of this behaviour.
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