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Trust X-Claims for Expert Assistance with Mis-sold Mortgages

If you believe that you have been mis-sold your mortgage, our expert team at X-Claims are here to assess your claim and guide you on the best path to seek compensation. Contact us today for a free consultation to evaluate your case.

Understanding Mis-sold Mortgage Advice:

During the mortgage selling process, lenders and advisors have a responsibility to provide compliant advice, ensuring customers can make informed decisions. However, many individuals have found themselves burdened with unaffordable mortgages due to improper advice from financial advisors, lenders, or brokers.
In 2004, the Financial Conduct Authority (FCA) intervened to address the issue of mortgage mis-selling, which affected a significant number of mortgage owners. Compensation in mis-selling cases aims to restore individuals to the financial position they would have been in if they had not been mis-sold..

Common Reasons for Mortgage Mis-selling Claims:
Mortgage mis-selling occurs when individuals receive unsuitable advice, unclear explanations of risks, or insufficient information to make the right decision. Signs that your mortgage might have been mis-sold include:

  • Failure to assess your household budget, income, and expenses properly.
  • Advised to remortgage without being informed about increased long-term interest payments.
  • Lack of transparency about broker fees.
  • Borrowing money without income verification (self-certification) or advised to overstate income.
  • Mortgage term extending beyond your retirement age.
  • Not informed about fees and penalties when switching lenders.
  • Not aware of commission payments made to the advisor by the lender.
  • Advised to take out an interest-only mortgage without proper consideration of capital repayment.

Act Promptly for Compensation:
If you believe you have a claim for a mis-sold mortgage, time is of the essence due to statutory deadlines (limitation periods) that apply to such claims. Even if your mortgage was taken out over six years ago, you may still claim it if you only became aware of the potential mis-sale within the last 3 years.

Claim Your Compensation with X-Claims:
If any of the above statements resonate with your mortgage experience, you could be eligible for compensation. X-Claims is here to help you navigate the claims process and ensure your rights are protected.

Why Use Us?

At X-Claims, we specialise in assisting clients with mis-advised mortgage claims. Our dedicated team of mortgage experts understands the complexities of mortgage mis-selling, ensuring your claim receives the utmost attention and expertise. Here’s why we are the right choice to handle your mortgage compensation claim:

Mortgage Expertise: With extensive knowledge in mortgage regulations and industry practices, we can build a compelling case for your claim.

Proven Success: We take pride in our track record of successfully securing mortgage compensation for our clients.

Client-Centric Approach: Your financial well-being is our top priority. We offer personalised support, keeping you informed and empowered throughout the claim process.

What Our Clients Say

We have hundreds of happy clients, read their reviews of our service

Successful Claim – Dr K – Aug 22

“I have great pleasure in writing a testimonial for Mrs Lorraine Williams working for X Claims an organisation fighting injustice for clients since 2006. I have known her since we contacted her in March 2019 when we learnt a policy pension taken out by us with Wesleyan was wrongly sold to us in 1997. She is part of a task finish group who investigated and conveyed the information at every step of the way. All this has given me a good insight and knowledge in her capabilities. Lorraine is hardworking, efficient, reliable, confident, has good organisational skills and excellent communication skills. All information given to me was in good faith and explained well keeping to their limitation so not giving their own advice. She is sincere, reliable, considerate, thoughtful, eloquent, attentive, obliging, and trustworthy. She is proactive and focused and I highly recommend her and her organisation to everyone. I wish her success.”

Successful Claim – Dr B – Jan 23

“I was one of many doctors persuaded- via the medium of a free sandwich – to join a Wesleyan freestanding AVC pension instead of buying extra NHS years in the 1990s. I switched to another scheme a decade later but I discovered both were mis-sold, the first by concealing from me the benefits of added years and the second by downplaying my NHS pension prospects on the AVC registration documents. Lorraine, Howard and the X-Claims team were recommended by a colleague who was similarly mis-sold a Wesleyan pension. Looking back, I am amazed at how financially naive we were! X-Claims is a reputable and trustworthy service and secured me compensation for both these pensions. The form filling process was made easy and both Lorraine and Howard provided clear and helpful advice, no doubt honed from decades of fighting complex cases for their clients. For one of the two cases, we went to the ombudsman twice (!) before getting compensation. I have never put in an official claim for anything in my life so this was unfamiliar territory but they were reassuring and sensible. I am happy with the outcome and wholeheartedly endorse their service to anyone wavering about making a claim.”

Successful Claim – Dr R – Jan 23

“Lorraine Williams and her team have proven to be tenacious and patient in making representations to Sanlam and Sun Life Financial of Canada, which has resulted in over £60K in compensation being recovered.

I have recommended X-Claims to a number of colleagues, who are of a similar generation to me, in the 1980s – 1990’s who were heavily pressured and oversold into purchasing Free Standing Additional Voluntary Contributions (FSAVCs) as a way of maximising our pension pot at the start of our NHS Careers.

I thoroughly recommend X-Claims as a relatively stress free way to recoup money that was paid as commission to ‘Financial Advisors’ pedalling their financial products inappropriately to Junior Doctors on NHS Final Salary Pension Schemes.”

Other Types Of Claim

FSAVC Compensation

FSAVC(s) pensions have been mis-sold to thousands of people. If you have an FSAVC it is worth checking to see if you have been mis-sold.

SIPP Pension Compensation

SIPP mis-selling occurs when financial advisers convince pension holders to invest their money into a SIPP scheme that promises higher returns on very risky, (and often unregulated) investments.

Pension Opt Out

An opt-out is where you could have been a member of an occupational pension, particularly a “defined benefit” or “final salary” scheme and you were told to ‘Opt Out’ and purchase a personal pension instead.

Investments & Bonds

Investment misselling occurs when you have received deliberate or misleading advice, where the investment was misrepresented or unsuitable.


Mortgage mis-selling occurs when it is improperly sold to a borrower. Mortgages were only regulated from contracts which were entered into on or after 31st October 2004.  

Pension Transfers

You may have been persuaded to transfer out of your original occupational pension scheme into a personal one. Any transfer out of an occupational scheme could be a mis-sale.

Personal / Stakeholder Pension

These types of pensions may have been unsuitable for you if you had the option to purchase added years or contribute to your In-House AVC, and especially if you had no private earnings.

Get In Touch

Have a question or just want to get in touch? Give us a call or fill in our contact form. Would you like to speak to one of our specialists over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.

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