what solicitor for a mortgage dispute?

london-dog

Hello all

One of my parents died this month, and I am trying to sort out their affairs on behalf of the surviving family.

They had a mortgage on the family home still outstanding and there are some issues with it regarding the term, rates etc., which I want to challenge the lender on.

The trouble is, I need professional advice but I do not know what sort of solicitor to be using. When I google the matter I only get back conveyancing solicitors!
So can anyone help point me in the right direction?

Many Thanks

[Deleted User]

Dispute resolution solicitor? 

Although you are surely probably best using the lenders complaints procedure and then taking to ombudsman? 

Thrugelmir

Is employing a solcitor going to be cost effective? Contractual terms of mortgages are well established. Having a personal view isn't grounds for complaint unfortunately. A court is an expensive place to argue a point of principle. 

davidmcn

london-dog said:

Hello all

One of my parents died this month, and I am trying to sort out their affairs on behalf of the surviving family.

They had a mortgage on the family home still outstanding and there are some issues with it regarding the term, rates etc., which I want to challenge the lender on.

The trouble is, I need professional advice but I do not know what sort of solicitor to be using. When I google the matter I only get back conveyancing solicitors!
So can anyone help point me in the right direction?

Many Thanks

You might want to give us some idea of why you think you have grounds to challenge the lender before you bother to engage lawyers, as I strongly suspect this will be a waste of time and money.

ACG

Speak to the lender in the first instance as JMA says, if you are not happy you can then take it to the financial ombudsman, they look at things from a fairness perspective as well as legal. 

If you are not happy with that, you can then still go to court as the ombudsman decision is not binding on you. Although you may find the lender uses the ombudsman decision in any defence - it will all depend on the details. 

LRmortgage

If you put up some brief details of what the issue is, some of us might be able to give you an idea of whether you are barking up the wrong tree or not. 

md258

Is it possible that your parents took additional borrowing at some point and you either haven't found or they didn't keep all the paperwork that went with it?

Following the complaints procedure should tell you that and prevent you having to pay a solicitor when there is a simple reason for the figures not matching what you think they should.

dunstonh

They had a mortgage on the family home still outstanding and there are some issues with it regarding the term, rates etc., which I want to challenge the lender on.

Have you identified a genuine failure or are you falling for those adverts from claims companies pretending they can get money back for you?

london-dog

Thanks all. I will look into it with the lender