Engage Credit Reviews 

Well Engage Credit flagged my recent post however it has been reviewed and put back up for people to see how this lender/servicer operates which is horrendous! I’ve noticed that Engage Credit constantly confirm they are only a mortgage servicer so I decided to contact the FCA who also don’t know what they are 🤔 I received a LIBOR consent form to sign stating quite clearly they are the lender (which I can provide) however previous correspondence they state they are only a mortgage servicing company (which I can provide). Numerous decisions by FOS state that they are a mortgage service company 🤔

Bank of England reduced rates but this Loan Shark of a company doesn't reduce their payments, so I am still paying the 5.25% instead of 5%
Tried contacting them via their web portal, but no reply, shocking customer service..... AVOID !!!

1 star is far too high a score, my mortgage costs have gone up £700 p/month. I had tried to change my mortgage but this was blocked by pepper money & engage therefore the true increase in monthly mortgage costs is around £1,100. had a deal for £800, now being charged £1,900. Why are the FCA not interested in this? consumer duty is worthless!

If it was possible to score zero stars this is what Engage Credits customer support approach deserves. This company shows no credible desire to make any decision that serves to actually help struggling customers and is clearly set up purely to profiteer from the unfairly levied criminally high interest rates they are getting away with charging on many mortgages.
If they can not make the necessary variations to offer help when it is needed then they are little more than a litigation in waiting service and should be hauled up and directed to fulfill their consumer duties to a much more ethical standard by the financial regulators. I truly hope the litigation by the mortgage prisoners group brings about the desperate change needed in this mortgage sector so us more broadly defined trapped customers can get start to get access to the fair rates and service we should have had many years ago from our “lenders” or in Engage Credits case “servicer”.
If Engage can’t or won’t provide what customers need they should be directed to transfer customer accounts to companies that can!

If I could give zero stars I would our mortgage was bought by engage. In the last 2 years our payment has increased by over £400 per month. We have been interest only with them due to financial issues for a number of years. We contacted them regarding the fact we now only have 6 years left on the mortgage and have no way of repaying the mortgage at the end of the time and asked them could we extend the term in order to repay to be told” We don’t do that” extremely helpful not!! We are now unsure what to do next as will be unlikely be able to remortgage with anyone else and are looking at losing our home in 6 years time

Had a problem with the title deeds for my property which was holding up conveyancing. Rang Customer Services to sort out and was lucky enough to talk with 'Helena' - absolutely brilliant - went the extra mile and then some. Very grateful to her for a speedy resolution

Lack of understanding and lack of empathy.

Absolutely awful company to deal with. They took over my mortgage and it has been a nightmare ever since. I took a mortgage break with the previous company and was paying it off monthly as agreed. After a phone call with engage after they took on my account, the previous agreement was accepted. Then the goalposts moved as they were putting charges on my account meaning it would no longer be paid off by the term end. I increased my payments and the same happened again. Another phone call and all sorted, or so I thought. They then had the nerve to send a representative to my house. Again all explained and sorted, and I increased the payments again. Then the letters started again. I have emailed them twice now stating that I will only communicate via email so that I have a log. No reply to the email, but plenty of calls from them while at work, when I am unable to answer. I can only imagine that this is what dealing with a loan shark is like.

Received a letter saying change in SONIA when it hasn’t, mortgage rates are so high it must be illegal, they must want people to loose their homes
Avoid….

Can't believe I'm supposed to be following SONIA rate and this rate hasn't changed in months yet today got a letter saying due to Sonia rate increase your mortgage payments will be increasing. Absolutely shocking it hasn't changed so how can you justify putting it up. I'll be contacting the ombudsman

Awful can not pay through their portal they do not send or answer emails or messages through their portal impossible to contact such bad customer service.

Have just paid a large sum off our mortgage, was nervous about paying a large sum online but transaction couldn’t have gone smoother. Staff were helpful, would ring me back rather than keep me on hold. Read a lot of negative feedback here but my experience could not be further from that.

Engage Credit have complained that my comments although completely true and backed up by my client and agreed by a senior person in the parent company are inaccurate. I suggest you review your strategy when dealing with clients and I will be reporting my findings to the FCA for investigation. All you have to do is behave like a responsible customer focused company. You don't deserve 2 stars but I have given you them.

Helpful- willing to help and went over and above

Like so many others, my fixed rate mortgage has come to an end and reverted to the standard variable rate. I’d previously been with a lender who sold off my account and while I do wish there were options for product switches with Engage, I have had a couple of phonecalls with them over the last month and those I spoke to were really friendly and helpful.

Apalling service. Applied for an interest rate reduction and despite several promises that a senior manager would ring me back to explain things, nobody has.

I have requested my statements due to an error on their behalf 3weeks ago ,up to now no reply
Anytime I phoned they are confirming dates with no results

This Company should be closed down and peoples payments given back . My payments in only 12 months have gone from £420 to £1058 surely this has to be illegal, they never answer the phone so can’t even talk to anyone, I will be taking legal advice because these gangsters need stopping .

Honestly have had so much support and help from Engage credit
James particularly really helpful and friendly
Stuart too very conscientious and spot on with helping me sort some legal changes to my mortgage
I have felt supported and listened to during some tight months, thank you very much