Engage Credit Reviews 353

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

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.