No new rate offer - negative equity

Brokenback_2

I am a discharged bankrupt as of oct 09, as my house was in negative equity at the time of BR i was able to keep the house. I have had my mortgage with A&L since 2003 and a second loan since 2005, since the tightening up on credit checks for mortgages i have been unable to get a new fixed/tracker rate since my last fixed rate finished in Dec 2011 so have been on the SVR 4.99% since then. I have constantly phoned every month to see if there is anything available but no joy, i have complained twice but they come back saying outstanding debt on my credit file which i know is the second loan. As things are getting really tight i was wondering a couple of things:-

1. Is there anything more i can do with complaining to A & L and if i am struggling to pay the mortgage are they not supposed to do everything they can to help?

2. Would i have a case to go to the ombudsman or FCA??

Any help greatly appreciated
Brokenback

Foxy-Stoat_3

Is your house still in negative equity, is selling it and buying a cheaper place an option?

Try a whole of market broker to see if there is a better rate available to you.

Thrugelmir

Brokenback wrote: »

1. Is there anything more i can do with complaining to A & L and if i am struggling to pay the mortgage are they not supposed to do everything they can to help?

2. Would i have a case to go to the ombudsman or FCA??

Paying the mortgage is your concern not the lenders. The rates on offer reflect the risk you present to the lender.

None at all. You would receive good advice on the Debt Free Wannabe forum though.