Birminghammidshires Anmeldelser 

I put thousands of pounds into renovating my home after which BM undervalued the property by 8.6%, taking the price lower than what I bought it for. Something about this is just not right, especially considering prices in my area have recently risen by 1.6%.

My dad had a mortgage with them before he passed away. The property has the same unsafe cladding as Grenfell, resulting in being unable to sell the property until the work is carried out, which is due to start this year. BM failed to inform us of multiple rate increases which meant the payments we made did not cover the new monthly payment. We were unaware of this for over 5 months. Then instead of apologising for their error and working with us, they tried to repossess the property and add thousands in fees to the account. Their complaints handler just repeadly ignored my request for information on the ombudsman, the legal action, the process of how they deal with a deceased estate with unsafe cladding and how to resolve this situation. Despite there being no money in my father's estate to clear the arrears until the property is sold (again this request ignored) I was told to set up a payment plan out of my own pocket. After fighting and having to explain it is not my bill, I finally give in from the stress and rang to set up a payment plan to be told you can not set up a payment plan on a deceased estate. When asked how do I stop the legal action then, I was told I dont know! The complaint handler was then asked to get in touch with me to tell me how to stop this action. She decided not to bother and wrote and update on the complaint saying no new points raised, no further action needed.
The mortgage term is ending soon, I have also asked what happens when it come to an end. Susan, the same complaint handler responded with I dont know, we will cross the bridge when it comes to it.

Applied, paid for survey (came back fine) but declined mortgage because of underwriters snotty opinion, contested it and declined again but this time because of questions they haven't even asked me about?! They are new to the Ltd company sene and after this they shouldn't bother proceeding any further if that how they are going to behave. Completely unprofessional agents with poor attitude underwriters.

Worst company ive ever dealt with.

I was customer in the 90 s my wife died leaving me with touch young children long story short they suspended my mortgage whist I got on my feet otherwise I would have been homeless i have never thanked you for your help now I am thank you

Spoke with Mark in regards to early repayments and few other questions. An absolute credit to the company. Thanks again !

I’ve dealt with BMS for years, and the experience has been consistently painful. No email support, no online access — you’re forced to call every time, and human error is almost guaranteed. Communication is fragmented and frustrating.
The most shocking part? Long-standing customers are charged over 200% more than new ones for identical mortgage products. Loyalty is punished, not rewarded.
You must go through a broker even just to renew or ask about rates. Rates listed on their own site don’t match or much lower than broker quotes, and BMS won’t clarify — they just refer you to brokers. That’s not transparency, that’s evasion.
This company seems built on inconvenience and inefficiency. Avoid x10000000000000000.

One star is one too many! They are without doubt the most horrible, unhelpful mortgage company that has ever traded in the UK. Between endless two hour phone calls, different staff, the same notes, the notes not being recorded, which I am 100% is franchised out to a call centre as no-one has any authority. Thank god my mortgage is cleared and I have jo further dealings with them. Bordering on fraudulent with their fees and having no clear path of clearing a mortgage.

If you have a property in Scotland, once you pay off the mortgage BM want you to contact your own solicitor to remove their charge on the property. This means the home owner or landlord will have to pay legal fees which are not cheap for such a simple transaction. I had another BTL mortgage with Siberite Mortgages and they handle it themselves and remove the charge without intervention of the home owner solicitors. So just beware before you get a mortgage with BM when other providers do it for free.

If I could put zero I would, my advice is avoid them at all costs and any of the Bank of Scotland lenders. If they'll file to repossess a 74 year old disabled women receiving chemo who's lived in a property 50 years despite assuring no action would be taken as long as the property is actively on the market then they'll do anything. Their advisers need serious training as they've mislead us terribly

This company has been illegally taken my money since 2014 when they refused to follow an outright possession order instructed by the court for Me to pay the full balance of 144,000 by the 4th of December 2014 the company chose to do a mortgage Income and expenditure with Me to pay the arrears of £4000 but the court ordered a arrears to be paid of 144,000 they have completely ignored the court order and for 11 years I’ve made my life a living hell .
They have continued to leave the account out of term, therefore leaving me on 9.8% interest rate. This company are a bunch of crooks, the professional negligence gross misconduct with an office. And embezzlement of customers funds is completely against the law. The company are not a government body. Everybody needs to seek legal representation as soon as possible and we need to raise a joint court case against this company, I have a lot of evidence proving gross misconduct internal fraud and embezzlement. The company have refused for me to talk to any of their legal representatives for five years, I’ve been out out of term for 4 1/2 years .. people need to stay well away from this company. Don’t even think about trusting them with your money. I brought my father’s account down to 132,000. They now say I owed him 145 if there is anyone here who is seeking legal advice, I suggest you follow through and why I suggest you do is ask for a copy of a DSAR from the mortgage company this will be the transcripts for every single telephone conversation that you’ve had with them and will be all the evidence that you need to build your case. If anyone from Birmingham Mid size is reading this, you know who I am and you know exactly what’s gonna be coming you are a bunch of crooks lying thieving deceitful company who have no remorse for the fact that my father died in 2012…. People stay well away from this company. RCB.

The communication is absolutely disgusting. Will never use this company again!!!! Never

As you can see from previous messages - avoid choosing this provider. I feel sorry for the staff - no assistance whatsoever available to them and not willing to let you know what would qualify for this (?ringing up so much they get fed up - but that’s not my style). Also, would speak to a company (broker) but not a human - better to be a company than a human right (hence the changing property to a company). Simply put if you want 0 customer service if circumstances change then this is the company for you. If you have a track record paying and want to transfer ownership- they are not interested in selling you a deal (your company would make more money!) I suppose it’s the computer says no era. Be kind to the algorithm’s because they are the ones in charge now.

Enjoy the small amount of extra money I hope you pay the staff well to compensate for having to do the phone lines for this rubbish system -but the good customers being moved on would worry me (unless the profits you’re making are just unbelievable) if you want to have long term success. Best of wishes to your future happiness

DISGRACEFUL company. STAY AWAY. Unapproachable, good at passing the book, RUDE.

Just don't get yourself stressed out with this crappy company, they need to be investigated.

Absolutely shocking this lot. Spent over 90 wasted minutes being bounced around several unhelpful people despite being OOOH so nice on the phone but all as useless as each other. Alice in Wonderland stuff.

Looking to mortgage to them.
BMS valued a 4 bed hmo confirmed with a valid hmo licence FOR 4 from the council and via a RICS level 3 survey. BMS state its only 3 beds. WTF.!!!
Since when do Valuers dictate the number of bedrooms when a surveyor and the council both agree it's 4 beds and not 3

We are an existing customer reaching the end of our fixed rate term. They have informed us that the new variable rate will be 9.34% - or we can pay a huge fee to get a two year fixed rate at 4.64%.

How they can justify 9.34% when our LTV is 40% I find incredible. Don't use them!

Please listen and help customers with their questions with sincerity, it gives them clarity and peace of mind to cope mentally.

I am doing my best to make sure my mortgage is update with additional payments to reduce my mortgage balance and monthly mortgage payments are up to date, I communicate respectfully and receive mostly the same but at times the honesty and polite manner is not reciprcated by some of the staff members. If they do not have the answer be honest arrange a call back with another member of staffs who does.

Inconsistency only intensifies and added an already traumatised person in a deeper vulnerable in an uncomfortable place mentally to cope.

Throughout my illness most staff acted with an healthy mindset with empathy.

The Christmas 2023 and the new year of 2024 there's a switch button staff just pass you on to another who repeat the same tactic.

You could be one of BirminghamMidshire staff who last spoke with me and did not spare a thought or care about my life and the state of my mind set ignoring my distress pleading for a confirmation of the correct amount sovI can pay my mortgage in time on it's due date.

I hope you have the courage as I have to fight all odds to stay alive of what I feel at this moment as the this week is to have some answers to insure my mortgage payments up to date with the my correct payments.

I'm told not to pay oncthecsame date it's due but pay a few days early so it reach in time. Now I'm told it's too early and wouldn't recognise my payments, then I'm told recirculating and new payment will be in October. I still haven't got a clue is now my monthly payments.

Regards

For anyone considering this company please take note of these reviews. There is zero customer service or care.

I contacted them by telephone to explain that I was in financial difficulties, looking to sell my property as soon as possible as I could not afford it & to make them aware & discuss options, as I was particularly worried about the ERC. There was no empathy or understanding or viable solution offered, nor deviation from the script. I called again and was interviewed about my financial situation or more to the point interrogated & made to feel small, pathetic & worthless. I explained that there had been much publicity around treating customers fairly & television adverts saying how sympathetic lenders would be, to no avail. I said I thought about ending it all & nothing was said in return.

I drafted an email of complaint which went unanswered. I escalated to the Chief Executive & that too was unanswered. On the third attempt I received an acknowledgment & then had the misfortune to deal with Tracy Clarke. During a fractious impersonal phone call she advised she would look at my complaint impartially, though I pointed out she worked for & was paid by BM so wasn’t truly impartial. This struck a nerve & she berated me therefore from this point onwards I already knew the outcome of my complaint. This duly followed with a text saying complaint resolved, I’ll call to discuss (she didn’t) letter in the post. Awful service all round, on the phone, the complaint ignored & not even acknowledged by the ‘impartial’ Tracy Clarke. If you have any issues or are in despair, don’t bother contacting them, they don’t care & they won’t help.

Total waste of time. Offered a Birmingham Midshire 5 year fixed mortgage in principle then they undervalued our property by over 30% market price. Avoid at all costs!

Didn't even lower interest rates post the August 2024 0.25% reduction.

Gone elsewhere for a better deal.