My battle with Rosinca formerly Mortgage Express?

I’m about to start a battle with Rosinca Mortgages. Today I woke up and opened a letter from Rosinca, and  I am incandescent because they’re threatening to repossess me. My calm response to my distressed daughter was “Sweetie – let them bring it on”.

Why should we innocent customers suffer? As far as I am concerned if they can bail out the banks – they can bail out us victims.

There was also no consultation and I don’t recall signing a contract that said that Mortgage Express could actually move me over to another organisation without my permission and express consent. So I will battle them. As am sick of it.

I took out my B2L in 2005. Key was to consolidate my two mortgages (the other was a residential mortgage) as a single mother.

After the bailout I was shocked to discover that I lost my right to actually swap my buy to let to a residential mortgage.

Well these debt book vultures as I call them – picked the wrong person to fight. Rosinca (sorry Topaz) bought the B&B Mortgage Express mortgage book so cheap, yet they’ve not given us customers any concessions.

Under the Unfair Contract Terms Act as well as possessing an invisible disability as a victim of crime – hence the Equalities Act comes into play – I am going to fight them.

What I now want is a financial forensic timeline of how we all came to be owned by Topaz Finance Ltd – trading as Rosinca – owned by Computershare

1. Two amazing men fighting Mortgage Express (now called Rosinca).
Can anyone help me trace them?

https://www.thisismoney.co.uk/money/mortgageshome/article-5589191/Leading-lender-Mortgage-Express-admits-careless-errors.html

2. The number of complaints submitted to Rosinca.

3. Topaz is owned by Computershare. Some say they are greedy, run by a bunch of accountants I believe some of whom live in USA.

Here is what I found. At this link in their parent company Computershare’s website.

https://www.computershare.com/uk/topaz-finance-limited-complaints-data

“Topaz Finance Limited (Topaz) is an FCA regulated mortgage lender based in the UK that has been operating since 2006. Topaz looks after the mortgages of over 100,000 customers under a range of different trading names – see the complaints publication report below for more details.

“Topaz is owned by the Computershare group – a global leader in financial services administration, providing a wide range of financial and governance solutions. In the UK alone, Computershare manages over £52bn of mortgage assets on behalf of 30+ clients.

“Topaz is committed to providing a high standard of service for all our mortgage customers. However, we recognise that things sometimes go wrong and when they do we want our customers to tell us so we can put things right as soon as possible. We have full complaints procedures in place for each subsidiary brand/trading name, with complaints information provided on our customer-facing websites where appropriate.”

CONCLUSION

Given this pandemic, it is time property owners stood up. Many of us are purchased properties as pensions. But we were screwed over by successive governments and while everyone else danced and binged – we have been left holding empty purses, with human hooves trampling all over our financial wellbeing.

I’m looking for anyone else who I can perhaps help.

I’m also going to set up a Facebook forum for us, and if necessary at some point we will consider a class action. As together perhaps we can fund a legal firm to represent us? Let me know what you think. Whether or not I get anyone is irrelevant – I fight alone as my Dad taught me from the age of 6 how to fight back when I see dodgy goings-on.

Share This Article