WARNING OVER BUILD STORE THE SELF BUILD MORTGAGE AND THEY MYSTERY INSURANCE POLICY THAT YOU NEVER RECEIVE EVER
FROM THE FINANCIAL OMBUDSMAN COMPLAINT FORM
Please tell us what your complaint is about
Complaint about build store and skipton building society for self build mortgage arranged by build store costing over £2000 at 2006 ,the mortgage has been design for advance stage payment release which I did pay for it £839. last year, I have been asked to pay another £300 to keep the mortgage in place along with other valuation fee of £250 which is no longer valid as they never advised me it is only valid for 6 month, when I have complete all the planing permission in march 2009 I have been asked to pay another £300 for the insurance company which is also I have been force to get another valuation at my own cost on April 2009 as the other valuation has expired along with other fee to build store of £320 with promise there is no any other requirement or fees, the insurance company money has been paid to build store this payment for a special insurance company to cover and stage payment paid by skipton (stage payment in advance )so all advance payment paid by skipton is insured with full amount paid ,since I have complete all the required planing and building warrant skipton refuse to release the fund first by unfair arrears has been add to my account along with a single letter from they lawyer at cost of £137 add to account as arrears, in the meantime the arrears which I been advised from skipton it will be add to the mortgage has not been add and skipton refuse to add it even when they offer it to me after I kept my payment in place attach a copy from they letter offering me for a fresh start by adding the arrears to mortgage and capitalising my arrears which I agreed and sign the form and sent back then they refused and insist to pay all the arrears in full with promise they will release the fund as soon as and I did pay off all the arrears and skipton did not keep they promise to release the fund since July ,recently I have received another letter from skipton advice that I do owe them another £202.40 as a result that I have paid all of my arrears and charges and I am no longer in arrears ,also I find out they have heavily harm my credit file by posting 11 arrears in my credit file so I can't even move to any other lender as most of the lender consider 8 arrears as a default ,also the interest rate I am been charge is far much more than my agreement
what do you want the business the to do to put things right
I require immediate action along with a full refund to all my payment from both skipton and build store immediately which is £5000 arrangement fee until now ,from skipton I am also asking for removing all the arrears they have post and harm my credit file along with a full refund to all fees and charge and also the mortgage payment I did pay since March which is total of £1700 along with the total cost of all planing permission which I have paid until now as I will never be able to get a mortgage from any other lenders what so ever within next a few month as a direct result from the arrears they have already post in my credit file and I will loose this money very soon as the building warrant will claps soon I have paid £8000 for the planing permission along with building warrant which I require this payment to be paid back from skipton along with a reasonable compensation
other information
until now I have no use of this land and only pay a mortgage at higher rate than any other lenders with £166 for £28500 the interest rate is 4.25% which it is a tracker rate by the term of the agreement should be only 0.54% over above the UK bank base of rate 0.5% so my interest rate should be only 1.04% not 4.25%
NOW ARE YOU READY FOR THE RESULT FROM THE FINANCIAL OMBUDSMAN REPLY
THE FINANCIAL OMBUDSMAN AFTER 10 MONTH FROM RECEIVING THE COMPLAINT SIMPLY REURN IT BACK CLAIMING THEY CAN'T DEAL WITH THE CASE ?
WHY
WHEN THE CUSTOMER ASK FOR THE REASON THEY CLAIM THAT THE FIRM BUILD STORE IS NOT REGISTERED AS A MORTGAGE BROKER !!!!!!!!!!!!! WHICH IS NOT TRUUUUUUUUUUUE
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