HAS YOUR MORTGAGE BEEN MIS-SOLD OR MIS CALCULATED?

A simple and easy claims process>>>>>

Reason to Choose us

Welcome to Love Mis-sold Mortgages! If you have had a mortgage in the UK in the last 25 years you may be due compensation. Love Mis-sold Mortgages specialise in mortgage assessment and can help you get any potential compensation you deserve.

Has your mortgage been running for over 6 years?

Have you consolidated debts, credit cards or loans into your mortgage?

Have you had an interest only mortgage with no plan to repay the capital?

Have you ever missed a payment on your mortgage or has your mortgage ever been in arrears?

At Love Mis-sold Mortgage, we perform a comprehensive review of your mortgage for:

  • Negligent mortgage advice
  • Overcharging

We will assess the merits of your case to establish whether you have a claim. If you wish to pursue your claim our expert panel of solicitors, who specialise in mortgage compensation, can progress your case on a No Win No Fee basis*

The assessment process is free, all you have to do is complete our simple assessment form…

  • We do not need any difficult information…
  • We will tell you instantly whether we believe you may have a claim!

A True No Win No Fee*

To ensure our services are available to every person in the UK, regardless of their financial circumstances, all of our cases are taken on a True No Win No Fee* basis. Through our partners we have secured finance to ensure every case can be progressed without delay. If your claim is unsuccessful you will not pay a penny!

There is no charge at all for us to begin your assessment, and you are under no obligation to pursue a claim once it is complete. We will collect the evidence and provide you with the facts you need to decide whether to take your claim forward.

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1

Mis-Sold Mortgages

If it can be established that your mortgage was mis-sold then you may be able to claim for losses from the start of the mortgage. The law states that lenders and brokers must ensure mortgages are affordable throughout the entire mortgage term.

Your broker should have explained Interest Only vs Capital Repayment and explained that you may have to switch to Repayment at some point. This type of mortgage seems cheaper in the short-term but in the long-term it is significantly more expensive.

Negligent advice from a broker or a lender may have resulted in your mortgage being mis-sold.
Many people do not realise that they have been mis-sold a mortgage product and the term “mortgage mis-selling” can cover a wide range of scenarios, as each case will be fully assessed based on the individual circumstances.

A mortgage may have been mis-sold if:

  • You were advised to take a mortgage product that was not suitable for your needs
  • You were advised to take one product over another on the basis that the broker would receive a larger commission
  • You were advised to consolidate debts, loans or credit cards by re-mortgaging
  • Your retirement date is before your mortgage ends
2

Mortgage Overcharging

When a mortgage offer is made to a potential borrower this offer will specify the interest rate that applies to that mortgage. The borrower will accept this offer expecting to be charged interest at the rate specified in the mortgage offer. Given the complexities of calculating interest the borrower puts their trust in the lender that the payments will be calculated correctly and in accordance with the agreement.

Unfortunately, many people have made overpayments on their mortgage due to miscalculations on the part of their mortgage lender. Many lenders have misallocated payments and applied incorrect interest rates. This has resulted in some borrowers being overcharged thousands of pounds which they may be entitled to have refunded.

Mortgage overcharging may have occurred if:

  • If you’ve had any mortgage in the last 25 years

You are likely to have been overcharged more if:

  • You have ever fallen into arrears with your mortgage
  • You have been charged excessive administration fees or arrears fees
  • The lender paid your broker a fee that was added to the mortgage
  • You are a ‘mortgage prisoner’

About Love Mis-sold Mortgages

At Love Mis-sold Mortgages, our mission is to help you identify and seek any compensation you may be owed from your mortgage.

Unlike claims of the past which may have recovered several thousands, mortgage cases can result in significant compensation due to the higher value of mortgage loans. To aid us in helping you seek compensation our team have developed industry-leading Mortgage Auditing Software.

What does this mean to you? Put simply, confidence! You can feel confident that our assessment is thorough and precise, will look for any possible claim you may be able to make on your mortgage and calculate precisely how much we feel you may be able to claim.

If your assessment is successful, our results can then be utilised by one of our panel of solicitors as an expert assessment, helping them prove you are entitled to compensation and quantifying how much you are owed.

If you have had a mortgage, or even multiple mortgages, in the UK, Love Mis-sold Mortgages are waiting to help assess these and identify if you may be owed compensation on one or more of your mortgages.

Love Mis-sold Mortgages is a trading style of The Claims Protection Agency Ltd. We are specialists in seeking compensation for financial mis-selling and mis-calculation cases. The Claims Protection Agency Ltd is regulated by the Financial Conduct Authority in respect of claims management activities.

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Address

Lloyd House, 18-22 Lloyd Street,

Manchester, M2 5WA

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Call us at

03333 447348

lnfo@lovemissoldmortgages.com

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