No wait what? They won't allow you to exit the arrangement until it ends even though you're capable of full repayments now? I'm pretty sure that's against the code for mortgage arrears. You need to get qualified financial advice urgently.@SaySomething i cannot believe that they do not have access to our full file??? I was sure they would have all of that in front of them. Their reason to me was that there was an overpayment made in error when redressing me and they are not going to look to reclaim that amount??? Not sure how they could have made a big mistake like that when doing their calculations. We are still in Marp i have been trying to come out of it for so long now and getting nowhere was onto them again today. Anyway i have finally run out of steam with UB, I have never dealt with anyone like them. We are overpaying at the moment as our payment arrangement is more than our monthly mortgage amount and still they can't remove the arrangement. We would never have had to go into the arrangement if we had of had the tracker rate.
And no, they don't have any mortgage files unless the borrower explicitly requested the release of the file to the secretariat in writing with their full consent. I was also sure they would have it in front of them. It was only after a few letters requesting information that they would clearly have if they had access to the file that my concerns were raised. I then wrote to them asking to confirm whether they had the file, or if they didn't why not. I also asked how they could make a fair adjudication without the file. Which is how I got the letter today. Stunned.