💥 MIS-SOLD MORTGAGES — WAKE THE HELL UP!
🧠 INTRO: THEY SOLD YOU A NIGHTMARE
Yo, listen up! That “dream home” might’ve come with a freakin’ nightmare. Hidden fees, shady interest hikes, and pressure tactics? That ain’t a mortgage — that’s financial sabotage in a suit. If they didn’t explain jack and shoved a loan down your throat, they MIS-SOLD you, bro. Time to bench-press some justice.
Even the FCA — the banking watchdogs — admit it:
“A mortgage is one of the most important financial decisions a person can make. Lenders must ensure that the mortgage they offer is affordable and suitable for the individual.”
The FSCS dropped this stat bomb:
– Over 10% of people got screwed with mis-sold mortgages. – Most didn’t even understand the cost, let alone how the rate hikes would gut-punch their budget.
If that sounds familiar, get pumped — this ain’t over.
- They skipped explaining the small print? RED FLAG.
- You got pressured into a deal you didn’t fully understand? RED FLAG.
- Fees popping out like jump scares? You know what to do.
❗ WERE YOU SET UP TO FAIL?
Here’s the deal: If the bank knew you couldn’t afford it and STILL handed you the keys, they’re the ones who messed up — not you. They had one job: give you a fair deal based on YOUR finances. Instead, they flexed their greed.
Here’s how to tell if they sold you a financial body bag:
- Mortgage was a budget-killer from day one.
- They “forgot” to mention rising interest rates.
- You were pushed into borrowing more than you should’ve.
- Your situation didn’t match their approval rules — but they said yes anyway.
- They ignored your income, your debt, your life. That’s not responsible lending — that’s a hit job.
- They sweet-talked you into fancy-sounding deals like tracker or interest-only — without explaining the traps.
🧾 TIME TO SWING BACK: FILE THAT COMPLAINT
STEP 1: Find the Complaints Page — NOW!
Don’t be passive. Go to your lender’s website and find the “Complaints” section. You’ll get the email or address to drop your verbal nuke.
STEP 2: Write It Like a Savage
No fluff. Just raw truth. Lay out what happened: what they didn’t say, what it cost you, and why it was wrong. Bring receipts — docs, statements, emails. Make ’em sweat.
They’ve got 8 weeks to man up and reply. If they ghost you or send weak excuses? Hit the Financial Ombudsman with everything you’ve got:
www.financial-ombudsman.org.uk
STEP 3: Can’t Find the Proof? Use DSAR — The Legal Sledgehammer
Send a Data Subject Access Request (DSAR). It’s your right — make them dig up your info. Full name, DOB, addresses, account number… slam it all in. They’ve got 30 days. No excuses.
