Heliodormortgages Reviews 

Potentially going to loose my completion on a new property and house move due to errors and and unwillingness to spend 10 minutes of assistance. Apauling

Like others, I had an NRAM account that was bought by these charletains. The account was paid up in full on 1st May but they continued to take monthly payments from my account until I noticed 2 months later. (my fault for not checking I suppose) Phoned them and explained and apparently they didn't mark the account as closed. Strike 1.
Said they would write to confirm the account was closed, cancel the direct debit and return the money within 10 to 15 working days. Strike 2. No money or letter received 15 days later, Phoned again and they say a letter was sent out 7 days ago but couldn't tell me why the money had not been repaid yet or why they had not cancelled the direct debit. (I had to phone my bank and get them to do it) Strike 3. I am awaiting a call from them to tell me what is happening but am not holding my breath. They have 2 days to get back in touch or return my money before I go to the Onbudsman and also investigate suing them. I am actively warning people off this bunch of amateurs but you know that even if they cease trading the owners will cut and run and start up another dodgy company.

Awful company

Used my own funds from my own investments / savings in order to pay off two sub accounts on my mortgage. The sub-accounts were paid off but then one of them was reinstated without my authority and my funds distributed in ways that I asked them not to distribute it.

They are now charging me a monthly amount that I haven't contractually agreed to, they haven't paid the accounts that my money was paid in to be used for and getting any level of customer support is beyond impossible. They hang up if you push them on what they should be pushed on and every call takes 10-20 minutes etc.... and what i'm told will be done in 5 working days still hasn't been done more than 10 working days later.

They also want me to send in my bank statements to prove where my money has come from, which is fine, but they're asking for this information some 2 months after I made the payment. Its a mess.

In the meantime I find myself in a credit agreement I didn't sign up to, a monthly repayment I have used my money to reduce and therefore have not agreed to and a company that now wants 8 weeks to investigate my complaint about why I am unhappy about them not paying my account off but without doing any of the work required to do with my funds what I have asked them to do simultaneously.

An absolute shambles of a company. Indeed, it could be considered by some to be a company that is acting outside of their obligations given that they have put me into a credit agreement that I have not signed up to or consented to given that I have given them the funds to pay off my accounts.

Horrendous customer service.

I’m trying to change a few details related to my mortgage and they have found every excuse/hurdle, to which I’ve done what they’ve asked, not to proceed and all asked for payment so they can go ahead.

So angry at the apparent reluctance to want n to help and all for the fee.

When you call you’re hells up for ages then done particularly get much help then.

Very angry and disappointed.

Nightmare of a company been on hold for 3 hours 10 minutes. If they where sorry they would do something about it. Not the first time!

Tried to get fixed rate, tried intrest only, still no help from this company,all they are intrested in is ripping the customer off, please stay away from this company you will regret it, unprofessional, unhelpful and possibly the worst loan sharks you can get involved with.

Glorified loan sharks !!! Buying mortgages and loans from collapsed companies, slapping as much interest as they can on top , they should be shut down and made to pay compensation to the people who's lives they have ruined !
The government should be doing more to monitor these criminalw practices

Completely incompetent, We have sold our house and 3 times now we have had to delay things because Heliodor havent done what they should of done.

Blame all issues on Northern Rock and dont take responsibilty for anything.

Cant wait to be away from these.

Not even worth one star. Just off the phone trying to get help and/or complain about my treatment and in tears because of the rudeness and cruelty of the Heliodor representative.
Because of the death of my next door neighbouf and friend, without paying her mortgage her flat is shut up left exactly as it was when she was alive. We shared a front path and I have to pass where she used to sit whenever I go out. The coldness and lack of understanding of the woman was mind boggling.
I would recommend avoiding this company which is really Topaz Finance, debt collectors,Ch

Currently sat in my house, packed up ready to move, just got a call from my solicitor to say your company will not provide redemption figure for 5 days. Huge chain all waiting to go. Disgusting. Terrible company

Lost my CAPS repayments since Nov 19 when they took over from NRAM. They know they've lost them and continue to do so 15 months in. Continue to debt chase, even though it's them who've lost them. Haven't upheld my complaint, continue to mark down my credit file. Not once have I had a courtesy update call, they lie about what actions they have taken. Raised to the ombudsman now

Absolutely terrible Company- I like many others that were with Nram was transferred to this cowboy company. Things were running smoothly until they tried to take a direct debit payment from my bank account- which for some reason declined their debit- I realised the declined payment and instantly called the automated system and made the payment manually. Since making the payment helidor still attempted twice again to take a payment- even though I had paid it - this had now resulted in my bank charging me £84 for refusing their 2 extra payments as it put my account into unauthorised overdraft!!!! On top of that Hellidor are still sending messages claiming my payment was not made - although I have clear proof that my bank debited it when I called the automated hellidor system to make payment- I have tried calling them numerous times only to be sent around in circles with their crappy automated system. Even when you even get past and wish to speak to an advisor- nobody answers the phone - numerous times I have tried staying on the line for over 30 minutes per call yet still no answer- each time I have given up. I will be waiting until the next year and try to get my mortgage transferred to else where - these jokers couldn’t even put a nut in a monkeys mouth never mind run as a mortgage company / finance company - I swear I can hear their spurs clinking from here - they should change their name to YEEHAA FINANCIAL COMPANY LTD- spaghetti western incorporated.........., utter cowboys

***TOTALLY DISHONEST COMPANY*** Avoid like the plague. We made two over payments once the mortgage was redeemed. One overpayment was eventually paid but still waiting for the second one. This was in August 2020. Financial Ombudsman now investigating them and Financial Conduct Authority aware. Dealing with Rory (Heliodor) who occasionally politely calls me to say there’s no update!!!
GIVE ME MY MONEY BACK - In this financially tough climate this company is a ruthless, despicable, untrustworthy, unprofessional organisation.

I am a mortgage prisoner due to being continually sold on after Northern Rock crashed, they are NOT a mortgage company they are inactive, they are basically an asset management company

My mortgage was sold to Heliodor by NRAM in Nov 2019. Not once since have they managed to get anything right. They were forced by FCA to pass on BoE Covid base rate cut, advised in letter would be applied from 1 April but collected old amount, had to issue refund mid April, told my new rate also included 0.25% loyalty discount yet my contract didn't have this loyal rate. Asked for redemption statement, have 8 copies now! And not one any use as doesn't show mortgage and unsecured loan balances. The website is useless and you're very restricted over what you can do. I now only communicate with them in writing so I have a record of their mistakes.

Absolute blood sucking leeches who make money from mortgage prisoners stuck in a situation that was constructed from banking failures from companies bailed out by the British tax payer.

I'm classed as a #mortgageprisoner.

I have joined the UK mortgage prisoners Facebook group best thing I ever did we have a legal claim, check it out.
Worst thing we ever did was get a mortgage with Northern Rock

I paid off my NRAM loan to Heliodor on the 3rd of June via solicitors when my mortgage was put through. The solicitors made an overpayment of £400 which I am still waiting for almost 2 months on!

I've received the letter to say my account is redeemed however what is a concern is apparently the cheque was posted on the same day almost a month ago! There was no mention of the overpayment in this letter however I have another letter from them stating the details.

I've phoned them 3 times now and for anyone phoning this company, they have the worst phone system ever. It honestly takes about 5 minutes just to go through the options before you even get to speak to anyone. It never recognises the security answers on the automated service yet when you tell the human advisor the same answers they accept them without issue.

No email address or live chat option, only post or an inconvenient phone line. Asked if they can call me back with an update and was told they're too busy to make external phonecalls!

So this company has £400 of my money and I have to do all the chasing. Absolutely disgusting!

Heliodor, to improve your customer service, why not try some modern platforms such as email maybe as a start point.

I don't have a printer so will write a hand written letter like it's 1990 and post my complaint off! What a joke?!

What a total waste of space this company are. Got transferred to them by northern rock and it all begins again with no-one replying to letters, phone calls for over 20 mins with no reply .Mortgage holiday during covid still not in place 4 months later ,I could rant all day about this absolute sh it company

Unfortunately we were passed onto to Heliodor by NRAM.
This was done almost overnight without warning.
Heliodor are no more than a collection Agency, collecting money on behalf of their owners Topaz Finance Ltd.
NRAM was a diabolical but Heliodor who are a trading name belonging to Topaz Finance Ltd, are based somewhere in Skipton and seem to have an Irish Call Centre, are even more diabolical than NRAM. That is very hard to do. Believe me I know this after 12 years of dealing with the inept NRAM. Remember NRAM were the collection arm of the bankrupt Northern Rock.
Our Interest only Mortgage is coming to the end of the term date this year and we have now had the house on the market for some 6 months and have reduced the price to try and get the sale done. However we all know what has been happening and that is Brexit last year and now just when our hopes were rising the Corona Virus appears and stops anyone even picking up the phone. We asked this hideous Company for what is know as a informal extension of the end date of our Mortgage at the beginning of January, Pre Corona Virus), just in case the sale of our house took longer, and it took some three months to get to a point where they are clearly not interested whatsoever in granting this informal extension whatever the reason and they are only interested in closing this book. They have been given third party authority to liaise with the agents.
I am appalled by a man calling himself Zacharia, this last Saturday, stating point blank that under any circumstances, they would not give an informal extension. However they say in their letter that they may consider it if after the date ends and after investigating, they may allow a short extension which would be under a weekly review. The reality of this is that they are forcing us to give the house away for nothing and trying to strike fear into our hearts.
How many people are there out there right now in this same position? It must be a few thousand or more.
These people in their Mortgage operations seem to be de- humanised and have little or no common sense in our particular situation which is governed by what is going on in the current market. We reduced this property from £400,000 to offers over £300,000 at this stage and even with the knowledge of this which clearly illustrates that we want to sell, they do not want to say OK we will give you an extra 6 months from the end date to accommodate the sale. Any way they will soon learn that I am not to be trifled with and they will clearly understand just how far we will go to make these people understand to behave as all other Mortgage Companies are behaving. Other Mortgage Companies would most certainly have given an informal extension.
What is wrong with Heliodor? It seems after more investigation Topaz Ltd are themselves stretched and are only interested in closing the book down of all the loans they purchased from NRAM.
This off course is at our and many more peoples expense and is shameful approach to how they are dealing with Human beings.