Engage Credit Reviews 

Alpesh Bilakhia a senior consultant was absolutely fantastic in helping me with the capitalisation of my arrears, he spoke to me with the utmost respect, was open and honest and certainly went above and beyond to assist and furthermore kept me updated throughout the process. Alpesh is a fantastic asset to Engage credit. This review is solely based on the customer service experience I had.

This company took over 2022 from Kensington Mortgages my mortgage was paid 12.11.19 but unknown to me I was £200 in arrears I had no idea alledgly they said a letter which was a crock of sh*t... fast forward to July 2025 court papers for repossession they wanted 10k they had put that on as fees and interest. We went to court it was adjourned knowing I had mental health issues disabled physically and mentally from loosing my hearing they were happy to carry on with the repossession I didn't take the risk loosing my home after 31 years I paid them £11.914.01. This consisted of 10k fees court fees £1300 odd exit fees £25 and £50 odd quid interest. When this awful scamming bastards took the account over they were the 5th mortgage company. Financial Ombudsman have my file please reach out to me if anyone is doing anything about these scamming bastards as a collective we need to come together now. Engage Credit you should be shut down the rest of my natural life I won't leave this!

Having paid my mortgage in full I was initially told I’d have my deeds in Apx 8 weeks. Having not received them after 8, I rang to be told they couldn’t get them because ALL accounts which were transferred from Masthaven Bank didn’t have them! They could have told me this when they transferred the mortgage - would have kicked up a fuss then - or on closing it! I shouldn’t have to ring 8 weeks after full payment to be told. Eventually, after asking to speak to their legal department ( couldn’t) they have sent what they could from land registry ( not my deeds) in fairness I’m awaiting a response to my complaint and if not satisfactory I’ll be going straight to the financial ombudsman. They need to organise getting my deeds reinstated and pay someone to do it, not expect me or my solicitor to do it! Beware if your account was transferred from Masthaven, because unknown to you, you are in the same position if you come to sell / pay off your mortgage. If you have a choice, don’t touch this lot with a barge poll!!!

Only got a one star because can't give zero.
I'm now having to go down voluntary reposssesion route as you won't help me anymore because you've reduced my rate for a year.
I'm now going to be homeless age 58 and lose our family home of 18 years.
Thanks for nothing

No reply to my complaints email then a letter saying they need more time to investigate it. Mortgage gone up from £1000 a month to £5300 a month. To be told to help me they have gone with mortgage charter for 6 months after which my payment will go up to £6300 a month Do I have a million pound luxury home no! £156000 taken over from Kensington in 2017. Only 3 years left till end date. However my original mortgage was interest only. They say my contractual terms and conditions remain unchanged, IFrom other feedbackif they brush off complaints as if there's nothing to see here and the FOS cant deal with these issues where to turn. something seriously wrong here.

How can a company be run like this. They never took the mortgage payment on the date last month. We rang them on the day to advise them and payed it there and then. We have just been sent a message saying we missed a payment and it's gone on our credit history. How dare they. What is wrong with this company they bought out our old mortgage company and charge us double interest.

Oh Engage Credit you absolute liars.
On my review in January 2024, you stated you were glad an agreement had been reached.
However in March 2025 you needed more information to find my account. Which one is it?
Welcome to horrible world of Engage Credit.
You utterly sell your soul to the devil itself as soon as you enter.
Anyone contemplating doing ‘business’ with this so called company….don’t.
Live in a tent, a car, a cave…..anywhere! Stay clear of Engage, your life literally becomes pure and utter hell on earth

Join the fight against Engage credit big things coming against company check out campaign against engage credit also pepper on fb.
This company needs shutting down they keep getting my posts removed and I will keep putting them back freedom of speech

This company is trying to repossess a deceased relative’s house despite my best efforts to sell the property and repay the mortgage owed. Despite having a Memorandum of Sale, Engage Credit jeopardised the sale by proceeding with a repossession hearing which was successfully adjourned. The sale has now progressed to close to completion but Engage Credit has booked in yet another repossession attempt for July. Worse still, they are attempting to charge their legal fees to my late relative’s estate and have added punitive interest to the money owed. They have rejected my complaints leaving me no choice but to go the ombudsman and failing redress that way potentially taking them to court. Terrible company that is obstinate and unhelpful during phone calls and emails. All they care about is money.

Had a fixed term with them and have now been able to remortgage to a high street bank. I didn’t have any problems over the last 5 years. Remortgage went smoothly and they returned an overpayment within 7 days. The portal is poor. I would think that in the 21st century, you should be able to see your account on line like you can with any other lender. Poor! Overall, I was satisfied, but glad to have been able to escape a SVR of 9.4%!

Engage bought my mortgage from Kensington. Our rate has gone sky high which has caused financial struggles to a point we have to sell our house. Our redemption figure has not taken into account and not applied any discount whatsoever so ever. What appals me the most is my interest only mortgage of 130k have raised to 180k in a short period of time! These are loan sharks and rip off merchants!!

Received a text message saying in the next 7 days we would receive a letter as we were owed money back from engage after paying the mortgage off with them but have heard nothing! Have tried emailing and calling and no reply!

Engage representative Edith is exceptionally good at her job. I've no strong opinions of Engage one way or the other, they're a mortgage firm so not much to get excited about, but her empathy and professionalism is exemplary. I appreciate her assistance very much.

Worst Company ever. Don't answer phone calls ,emails or on their portal. They will now respond to this post with their standard reply "get in touch" which you cant do because they cannot be bothered to respond to Mortgage Prisoners like me.

My mortgage was transferred to engage from Kensington. I had switched to a new product with Kensington as they had identified me as a mortgage prisoner and put me on a lower rate for the rest of the term of the mortgage. Engage credit have never applied this as they said that i am not a mortgage prisoner even though Kensington had identified me as one. They are absolute sharks and my case is now with the financial ombudsman. They also have not passed any interest rate reduction on to my account even though the LVR and the BBR has gone down. i am sure that no one ever would choose this company by choice. They prey on people with poor credit who are in difficulty. I am still paying over 9.3% a month . How they are allowed to practice is absolutely absurd

Phoned got all the way through credit check and said wrong date for last payment,so they couldn’t deal with me ,it had taken me 2 yrs to make this call to make payments and sort it out and now I can’t ,I have to wait for a letter and try again,they arranged for an agent to come to my home which I agreed, they NEVER mentioned it would cost £144.00 tried to cancel but won’t let me as I failed credit check,scam company and nothing we can do about it

Poor old dad ill can’t pay mortgage can’t surrender property these guys now have his payments over £1000 per month they refusing his minimum payment from direct debt and increasing rate. 27 months left on payments forecasting £175,000 debt for an 80k bungalow, to a vulnerable man we’ve tried via solicitors to solve this to no avail. Total wall built between us and them there only interest atm seems to be to maximise the debts and intrest.tried to resolve this over the last two years spiralling out of control now. Dad has no means to communicate can’t even speak or comprehend any of this.

Property is empty and not been lived in since 2021. They will never recover this money but continue to drag the process out. Avoid engage, pepper and Kensington. They will not be getting any more money out of him due to his medical conditions, we will not pay yous. You will have to come and take it away. Yous will not get another pence out of us.

Edit to reply…… we have filled forms in to act as beneficiaries, which yous have rejected twice via solicitors, also tried calling to discuss numerous times, access denied. We are playing the same long game now waiting for repossession.

Please avoid this company they are like loan sharks they don’t listen they don’t care about anything other then scamming their clients

I took out my mortgage with Pepper Money.

I found a letter sent to me at the property after my tenants left and the keys handed back to us.
It was telling me that the mortgage rate had gone up. I made arrangements for a payment plan until the property was sold which they agreed to back up with a letter.
They phoned me twice and I told them that I do not speak to a company which asks about my money. (It could be a fraud)

Now the mortgage has been paid off my wife has tried to get a car loan and refused because her credit score has been affected by the mortgage being not paid when we were paying the agreed payments before the date required.

I would not recommend this company

Loan sharks. This company is a total joke how is this company even allowed to operate my mortgage was taken over by pepper/engage and it's now more than doubled. This company needs investigating totally corrupt.