Engage Credit Avis 

Worst overcharging company ever!.
My fixed rate ended when I was on furlough salary during the pandemic in 2020!. We could not re mortgage elsewhere due to this, Pepper at the time who held the mortage told us they was no other products we could switch to only stay on the variable rate until I was 6 months off furlough, We was already paying a high rate then, Jesus now it’s gone form 4.5 %to 10.9%! Huge £600 up, we can’t remortgage with anyone now as we have arrears as we can’t afford there huge rates that they have wacked us on over 2 years and the lack of help they provide, all they care about is what income we have left each month and to pay there huge rates and fees and not have a life. Wouldn’t mind they have £900 a month of us for a £141000 mortgage yet they want almost £1500 every month, how can we just have this to handover, I don’t even know how they became engage as we took the mortage out with pepper money in hopes after 2 years we would remortgage to a better company and deal, little did we know what was coming……
I am definitely going to the local MP and have already raised a complaint with the ombudsman,
I don’t know of anyone being on 10%plus rate,
I’m relived it’s not just us as by the looks of it on here we’re all suffering,
They are scandalous and will bleed you dry !
Please all complain!!

Had our mortgage bought by Engage Credit from Masthaven Bank.

It was quite clear from the start these people are fraudsters.

STAY VERY CLEAR OF THESE FRAUDSTERS !!!!!

Absolutely shocking, mum passed away last August been trying to pay the mortgage but no one would speak to us, banging interest on every month on a dead lady's loan, I know have probate so I can pay but no one responded that's another month's interest they want feeling very frustrated

I have been with Engage Credit since they bought the business from The Kensington. Like many people today my mortgatge is in arrears. Every few years we go round this charade again and many people's lives are ruined. We should be exploring alternative ways of running mortgages by looking at alternatives to a conventional mortgage as it is quite clear that mortgages cause more misery than life is worth. Apparently God didn't like them either as according to the Bible he turned on the Isrealites in the Bible when they began repossessing homes and land he understood that the home is where the heart is.Personally I believe that all reposesssiions should be halted until we have explored a fundamentally different way of dealing with mortgages. I have been in my home for 40 years and I am terrified of ending on the streets.

It is easy to find alternatives but it will mean planning much longer term and making money over peoples lifetimes rather than trying to pay for a home over far shorter mescales. Get back to me if you share a similar view.

I have just read a comment on dealing with this company. Why do they not call you as I expect most people not wish to waste their lives and time listening to their music to make you want to kill yourself. It is the most depressing piece of music ever.Why is it not possible to create different playlists which you can choose. I am a music producer. It will only be when thick companies have people breaking down doors with axes that they may then realise the importance of the music that people hold onto while on the phone. What would make you more violent listening to garbage like Engage Credis offering or someting that uplifted you. Making people depresed may hold off the snapping point but it is much more sprectacular when it happsns soon. The British may be slow to anger but when they go it is something to behold.

The entire corporate world needs to understand how close the entire world is to exploding with the garbage, the over dependence on technology, the lack of respect and the time everything takes to deal with. When we all go bang this counytry will become a very scary place. Few people are truly happy with the world and many people feel,like Keith Moon and want to throw the television and computer out of the F***ing window.

God is going to turn on the world very soon. We no linger value anythIng and prices for everything do not reflect the true value of anything, years of getting for example music for nothing has taught us that everything is nearly free, its not, debt is piled on debt is going to lead to the bankruptcy of the world as predicted by a financial journalist called Bob Beckman in a book called The Downwave which has now started as a Biblical scale second great depression is coming and soon we will wake up to no working cash machines as everyone finds out the pressure many decent people live under and we all learn that a world that works for everyone from rich to poor doesn't work like this and no one is alright jack until the whole world gets there.

It is going to be a very challenging time for us all and like the French Revolution after Mariantoinette told poor people to eat cake, one of the crassist remarks from a priveledged person in history.Its never been about money ever. To get and keep monry throughout your life requires understanding of the deepest and subtlest rules that givern money. In our get rich quick world we understand nothing.

Sent 2 separate requests for information via their portal, both totally ignored and have been deleted. Had mortgage with Pepper Money which transferred to Engage Credit. My fixed deal expired and my repayment shot up £500 extra per month. Knew about this but then interest rates was frozen by BoE so thought payments will stay the same but get an email from Engage telling it is increasing again by another £100 but this time because of 'Legacy Reference Rate'? No one has ever heard of this, including a mortgage broker. Luckily i found a broker that has sorted a re-mortgage for me and now no longer with Engage Credit. Extortionate company praying on people who have no other options.

The sharks of the mortgage lenders.
I’ve just been informed that my new interest rate will be 9.59% !

This company needs closing down I have contacted these clown many times but no body answers the phone sent letters email still nothing loan sharks springs to mind stay well away from this company

I had two buy to let mortgages with Pepper money and these were transferred to engage credit which I understand is owned by Pepper money. I am now on an interest rate of 10.19% and because of this I am in finantial difficulty. it is an absolute disgrace that this is allowed to happen and cannot understand how it is leagal for a company to treat customers in this way. I have four children that I cannot afford to feed and honestly have no idea what to do because I am missing payments and can't remortgage elsewhere. I'm hoping someone can advise me what I should do next because my life is now ruined by this company through no fault of mine or my wife. Shocking company disgraceful.**** it states very clearly on your website that Engage credit is a trading name of Pepper UK. So pepper has sold my mortgage to a company they own. 5 years ago I would have never given my business to Pepper if I had known I would have been treated this way. I just hope other people read these reviews and think twice before falling into this devastating trap.

My mortgage was taken over by Engage Credit and they have increased my mortgage from £597 to £1260, then £1334.50 and now they have put it up to £1390. How much do they think a person can take? I am practically on the bread line now. I am now paying accoridng to them 8%. This is not even double its more than double £800 increase. I am on my own and this has slaughtered me.

Spoke to a lovely lady called Edich who was so helpful and listened to me so well. Thank you so much for your support dear Edich you was fantastic!

Unhelpful mortgage provider. Don’t buy a house using then even if that is the last option you have. My by to let mortgage was transfered to them by peper homeloan. What a sad big mistake. They are very patronising, and make suggestions that would damage your credit report. Very very bad organisation.

After a long hard struggle since Northern Rock let a lot of customers down I have finally paid off my mortgage, its been very stressful for all the Northern rock customers and although I didnt like the idea of Engage Credit taking over my account for Grasmere Mortgage who bought it from Northern Rock, I must admit at first it was very difficult to get through to Engage credit but the last few years they have been really helpful and the agents have been very pleasant,I cant wait to get the deeds to my house delivered and to finally stop stressing over finances,, to all you who have been in my position being elderly and struggling every month just look forward to when you are mortgage free its a wonderful feeling,

My husband died june 22, engage have continued to add interest on his account, even while everything was frozen in probate. Had the same issues other people appear to have had with not being able to discuss the account because I'm not a named person. The executors have had to jump through hoops to prove they can act on my late husbands behalf.
Now waiting on a final settlement but unless they remove the interest of over 1k I will be taking them to the small claims court. Do not use this company, the service is terrible!

Am on Libor interest rate and Bank of England is lower. Engage told me I have to pay a 2.54% as well but don’t understand what it is for. If I change to Bank of England they say I will pay more??
Neil has written a negative review and need to know what I ask for as they took over my mortgage from another company

THE WORST CO. EVER....STAY AWAY FROM THIS CO. BUNCH OF FRAUDSTERS...NOW BEING CHASED FOR MONIES I KNOW OR KNEW ANYTHING ABOUT. CALLED THEM BUT THEY REFUSE TO DISCUSS AS I DID NOT HAVE THE RELEVANT INFORMATION..WHAT A JOKE!!! NOW TOLD 2 YRS LATER THEY TOOK OVER FROM THE PREVIOUS MORTGAGE CO...OAKWOOD HOME LOAN (STAY AWAY FROM THEM TOO!!) WHAAAAT!!! NO LETTER OR COMMUNICATION NOW WASTING MY LIFE AWAY TRYING TO GET THROUGH TO OAKWOOD TO ASK FOR THE "GOODBYE" LETTER COUPLED WITH ALL PAYMENTS MADE...GOT THROUGH AND CUT OFF BY A RUDE FEMALE...STAY AWAY FROM BOTH...PLEASE!!!!

Been struggling for several months since losing my job. Unable to meet monthly payments, I requested help. Have spoken to several members of staff the most recent of whom was Laura. Every one of them were professional and kind, being understanding of my situation and allaying my fears, allowing me time to try and sort out my problem. Any potential consequences were clearly explained but support of a customer was paramount.

Engage Credit is one of the worse companies I had a misfortune to deal with.

Since Sept 22, when my account was transferred from Masthaven to Engage Credit, they are declaring on my credit file that I am one payment of £ 1226.34 in arrears!

I presented very clear evidence to my case several times of the opposite.

I sent to them statements proving all payments made even highlighted each payment in different colours to help them identify and add up each monthly payment.

However they still comeback to me saying I am one payment in arrears!

How can a company like this deal with Mortgages!? It seems they don't know how to count!

Its been literally one year and they still not able to solve the problem.

I spent hours during 1 year period explaining step by step even calculating with members of the staff each payment of every month over the phone and they say they will investigate and come back with the same answer!?

Is like I am dealing with dumb people! The finance department cannot count, and the complaints team don't know how to Investigate!.. Even when something is extremely obvious!!

How can a company operate like this!?

They are damaging my credit file reporting to the credit reference agencies for 12 months that I am in arrears.

I clearly showed to them several times that I am not!!!

They are not fully regulated by the FCA.

I will take my case to a lawyer for emotional distress and damages!

I have had 7 withdrawals taken out of my account on the 14th of June without my consent.I had spoken to engage and they would stop the transfer. I thought it was sorted out. But on the 14th my account had been defraud of aro3und £3,000 . I then eventually got back to Engage. They refused to help saying I had confirmed the payment which I was definitely not.i got in touch with police fraud squad also have got in touch with FOS and are looking into it. I advise people to not BANK with them are totally unreliable.The ADDRESS OF ENGAGE BANK IS 1ST FLOOR NAVIGETION HOUSE BELMONT WHARF SKIPTON NORTH YORKSHIRE BD23 1RL.

Awful company with very poor customer service. Our mortgage was transferred to them. They do not respond to emails and their customer service representatives on phone do not seem to know many answers to the questions we had. We would not recommend engage credit.P

I have started a petition against this company, and will shortly be distributing the petition address. The intention is to bring it to the attention of the government the callous way they treat people and families.
I considered taking my own life at the mercy of this company and only now 6 years later started to muster the strength to tackle them! Watch this space !!