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Frightening Revelations : Could Your Mortgage Be Mis-Sold? Uncover the Red Flags.

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Post: Frightening Revelations : Could Your Mortgage Be Mis-Sold? Uncover the Red Flags.

🏠 YOUR MORTGAGE — KNOW YOUR RIGHTS

Your mortgage could be your biggest financial commitment. But what if it wasn’t properly sold? Hidden charges, unclear advice, and tricky fine print have left many homeowners stuck in deals that don’t suit them. Here’s the truth: you deserve transparency. Learn the warning signs so you can take control of your mortgage.

Official guidance says:

“Lenders must ensure your mortgage is affordable and all terms are clearly explained.”

And warns that:

“Thousands are trapped in unsuitable mortgage deals due to poor advice or missing information.”
  • Unexpected fees appearing over time.
  • Interest rates changing without proper explanation.
  • No real assessment of your long-term ability to pay.

❓ COULD YOU HAVE A CLAIM?

If your mortgage feels mis-sold, it’s worth checking. Lenders must prove your mortgage suited your finances and your lifestyle. If they can’t, you may be entitled to compensation.

Watch out for these warning signs:

  • You were sold a mortgage you couldn’t realistically afford.
  • Interest rates were unclear or changed unexpectedly.
  • Hidden charges appeared unexpectedly.
  • No proper review of your finances or debts.
  • You were pressured into a bigger mortgage than needed.
  • Interest-only mortgage? Full implications weren’t explained.
 Mortgage Image

🔥 HOW TO TAKE ACTION

Ready to reclaim control? Follow these steps:

1. Locate the Complaints Page

Visit your lender’s website and find their Complaints section. This is where your complaint starts.

2. Draft a Clear Complaint

Be concise and factual. Explain why your mortgage was mis-sold, including any emails, contracts, or paperwork as evidence. Banks have 8 weeks to respond. If the answer isn’t satisfactory, escalate it to the Financial Ombudsman Service: www.financial-ombudsman.org.uk

3. Missing Documents?

Submit a DSAR — Data Subject Access Request — to get all your mortgage information. Legally, they must provide it within one month. Include name, DOB, addresses, and anything needed to locate your records.

You’re more than a number. Stand up, claim what’s yours, and don’t let poor advice trap you in a bad mortgage.

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