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Mis-Sold Mortgages
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By David Turner
The controversy surrounding the mis-selling of mortgages explained simply and clearly so you can understand if you can make a claim for compensation, refund or other redress.
Published: 12/02/2025 – 11:59 | Updated: 12/02/2025 – 16:10
Motivated by Refunds
🏠 MIS-SOLD MORTGAGES — TIME TO GRAB YOUR POWER BACK 🏠
📣 INTRODUCTION
Here’s the deal — if you signed a mortgage thinking it was your golden ticket but it turned out to be a financial chokehold, you might’ve been mis-sold. We’re talking hidden fees, interest-only traps, and terms that were explained like a mumble during a bad gym induction. If the bank or broker didn’t give you the full picture, they played you — and now it’s your move.
🔥 DO I HAVE A CLAIM?
Let’s cut the fluff. You were probably mis-sold if your broker raked in secret commissions and kept you in the dark. If they sold you an interest-only mortgage and didn’t explain the risks like a coach skipping leg day warnings, that’s a red flag. If they locked you into a mortgage that stretches past retirement without checking how you’ll pay — total fail. If you were told to make up your income to ‘self-certify’ — they might have mis-sold to you. And if they gave you a mortgage that straight-up didn’t suit your life, they weren’t thinking about your future — that's not right.
📂 REQUIRED PAPERWORK
You want to fight back? Then load up with receipts. Get your original mortgage agreement, the offer docs from the lender, and any emails or letters from your advisor. Pull your financial assessments — if they even did one — and hunt for any proof of fees or commission you weren’t told about. Add your bank statements showing what you’ve been shelling out every month. This is your ammo — and the stronger your evidence, the harder you hit back.
Bottom line — if you’ve been getting crushed by a mortgage deal that was built to break you, it’s time to flip the script. Seek out a pro who knows the game. This isn’t just about refunds. It’s about reclaiming what’s yours — because the bank took a shot, but now it’s your turn to fight for justice.
🏠 MIS-SOLD MORTGAGES — TIME TO GRAB YOUR POWER BACK 🏠
📣 INTRODUCTION
Here’s the deal — if you signed a mortgage thinking it was your golden ticket but it turned out to be a financial chokehold, you might’ve been mis-sold. We’re talking hidden fees, interest-only traps, and terms that were explained like a mumble during a bad gym induction. If the bank or broker didn’t give you the full picture, they played you — and now it’s your move.
🔥 DO I HAVE A CLAIM?
Let’s cut the fluff. You were probably mis-sold if your broker raked in secret commissions and kept you in the dark. If they sold you an interest-only mortgage and didn’t explain the risks like a coach skipping leg day warnings, that’s a red flag. If they locked you into a mortgage that stretches past retirement without checking how you’ll pay — total fail. If you were told to make up your income to ‘self-certify’ — they might have mis-sold to you. And if they gave you a mortgage that straight-up didn’t suit your life, they weren’t thinking about your future — that's not right.
📂 REQUIRED PAPERWORK
You want to fight back? Then load up with receipts. Get your original mortgage agreement, the offer docs from the lender, and any emails or letters from your advisor. Pull your financial assessments — if they even did one — and hunt for any proof of fees or commission you weren’t told about. Add your bank statements showing what you’ve been shelling out every month. This is your ammo — and the stronger your evidence, the harder you hit back.
Bottom line — if you’ve been getting crushed by a mortgage deal that was built to break you, it’s time to flip the script. Seek out a pro who knows the game. This isn’t just about refunds. It’s about reclaiming what’s yours — because the bank took a shot, but now it’s your turn to fight for justice.
Mortgage Mis-Selling Claims
Introduction
Many homeowners in the UK have been mis-sold mortgages, leading to unsuitable terms, higher repayments, and financial strain. Mis-selling can occur when a lender does not properly assess your ability to repay or offers a mortgage product that does not meet your needs.
The Financial Conduct Authority (FCA) regulates mortgage lenders to ensure that they act fairly and responsibly. If you were mis-sold a mortgage, you may be entitled to compensation. Some examples of mis-selling include:
- Failure to assess your affordability properly
- Offering a mortgage with unsuitable terms or rates
- Not explaining the risks involved in the mortgage
- Pressured sales tactics or misleading advice
- Offering a sub-prime mortgage to a borrower who was not eligible
- Providing inaccurate or incomplete information about mortgage products
Do I Have a Claim?
If you believe that you were mis-sold a mortgage, there are several signs that could indicate you have a claim. These include:
- You were not properly assessed for your ability to repay the loan
- You were offered a mortgage product that was not suitable for your financial situation
- You were misled about the terms or risks of the mortgage
- The lender failed to explain the full costs or fees associated with the mortgage
- You were pressured into taking the mortgage or faced unfair sales tactics
- You were offered a sub-prime mortgage when you were eligible for a better option
How Do I Claim?
If you think you have been mis-sold a mortgage, you need to contact your mortgage lender and file a complaint. Follow the steps below to make your claim:
Finding the Lender's Complaint Information
To start the process, visit the lender’s website and navigate to the “Complaints” section. This will give you information about where to send your complaint via letter or email, including the correct contact details.
Filing Your Complaint
Once you have the correct contact details, draft your complaint letter or email using the points mentioned above. Make sure to include any supporting documents to strengthen your case.
The lender is required to respond to your complaint within 8 weeks. If they do not resolve the issue, or if they reject your complaint, you can escalate the matter to the Financial Ombudsman Service.
For further information on how to escalate your complaint, visit the Financial Ombudsman Service website:
www.financial-ombudsman.org.uk.
If you need further information about your mortgage, you can send a Data Subject Access Request (DSAR) to your lender. This allows you to obtain all the information they hold about you, which can help with your claim. You have 1 month to receive a response from the lender.
Mortgage Mis-Selling Claims
Introduction
Many homeowners in the UK have been mis-sold mortgages, leading to unsuitable terms, higher repayments, and financial strain. Mis-selling can occur when a lender does not properly assess your ability to repay or offers a mortgage product that does not meet your needs.
The Financial Conduct Authority (FCA) regulates mortgage lenders to ensure that they act fairly and responsibly. If you were mis-sold a mortgage, you may be entitled to compensation. Some examples of mis-selling include:
- Failure to assess your affordability properly
- Offering a mortgage with unsuitable terms or rates
- Not explaining the risks involved in the mortgage
- Pressured sales tactics or misleading advice
- Offering a sub-prime mortgage to a borrower who was not eligible
- Providing inaccurate or incomplete information about mortgage products
Do I Have a Claim?
If you believe that you were mis-sold a mortgage, there are several signs that could indicate you have a claim. These include:
|
How Do I Claim?
If you think you have been mis-sold a mortgage, you need to contact your mortgage lender and file a complaint. Follow the steps below to make your claim:
Finding the Lender's Complaint Information
To start the process, visit the lender’s website and navigate to the “Complaints” section. This will give you information about where to send your complaint via letter or email, including the correct contact details.
Filing Your Complaint
Once you have the correct contact details, draft your complaint letter or email using the points mentioned above. Make sure to include any supporting documents to strengthen your case.
The lender is required to respond to your complaint within 8 weeks. If they do not resolve the issue, or if they reject your complaint, you can escalate the matter to the Financial Ombudsman Service.
For further information on how to escalate your complaint, visit the Financial Ombudsman Service website:
www.financial-ombudsman.org.uk.
If you need further information about your mortgage, you can send a Data Subject Access Request (DSAR) to your lender. This allows you to obtain all the information they hold about you, which can help with your claim. You have 1 month to receive a response from the lender.
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Know the rules. Own the game.
This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.
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No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute. - 🛡️
This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest. - 💰
We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before. - 🔗
We link to other sites when it’s useful — but we don’t babysit their content. Click smart. - ⚠️
This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.
Listen up: How this website & forum rolls
Know the rules. Own the game.
This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.
- No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute.
- This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest.
- We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before.
- We link to other sites when it’s useful — but we don’t babysit their content. Click smart.
- This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.