Birminghammidshires Anmeldelser 

Left on hold for 8min but when I got through had a very helpful customer service advisor. Huge Improvement from previous negative Customer service.
Juan Vega

Ditto everyone else's comments.
Recently paid mortgage balance in full but no acknowledgement and cannot speak with anyone.
Slightly worrying to say the least.

If I could rate them zero, believe me I would! Had a survey last week. Valued my city property at £0.00!! Office block and mixed use apartments next door a problem, so wouldn’t lend on that basis. Surveyor either an idiot or not familiar with London’s layout. It’s the City of London, everything is diverse, there are offices everywhere, why do you think people like living here...the 7 minute walk to desk f&@ktard. As you can tell I am fuming. Avoid!! They’ll give you the world and then snatch it back due to stupidity.

I think the BM Team have been kidnapped by Aliens. Rumour has it the last person they spoke to was in 2019!

I took a payment holiday. They wrote saying the holiday was over. Phone Number given. No email given. I have now spent in excess of 3 hours trying to re-set my direct debit. Why give out a phone number if NOBODY is ever going to answer? Crazy. What a waste. 3 full A4 pages of instructions which will lead to absolutely nowhere. Shame on you BM. Your customers also have lives !!!!!!!

I have been trying to contact their mortgage team for the last few months regarding my mortgage account. I have spent hours on the phone. Longest call I waited for 55 minutes but no answer. I wrote a letter in February but no response. The email address doesn't work, the complaints form isn't working. I finally got through to someone today by randomly going through every option on the phone and finally got through to someone in the savings team and he sympathised, said it's terrible and that he knows how bad it is as his mate took 2 hours to get through to someone. He then diverted the call and it cut me off!

Customer Service is non-existent!
No email address on their website to even update my Direct Debit details. No one answers the phone after weeks of trying. No Social media presence, does this company have anyone even working for them?
All i'm trying to do is update my DD details. I bet when I cancel my DD they will be straight onto me.
Shocking customer service avoid this mortgage company!

I gave 1 only because I can't give 0.
The surveyor gave me the valuation of my property exactly the same of 2 years ago. He didn't notice a new loft conversion, new porch, new rear extension etc. He just came to my property and he was knocking the wall (maybe he was looking for a treasure). This is unprofessional service and the surveyor deserve to be fired!! He is not the right person for that job!!! AVOID!!!!!

My recent experience with BM leads me to believe that there is a serious fault in their audit trail system. In my case this has led to the disappearance of almost £10,000 paid by me as the final settlement of a mortgage. This and a culture of callous disregard towards customers leads me to believe that they (and Lloyds) cannot be trusted with the management of customer money. I cannot recommend anyone to open a mortgage or savings account with this group.

My experience, backed by documented evidence, indicates the following:-

Money paid to or deposited with this group is at risk of disappearing. I simply will not trust this banking group to manage any of my finances be it in the form of savings or borrowing again.

Far from acknowledging a final payment I have for 6 weeks regularly received letters authorised by BMs Mortgages Director (R Fletcher) and their Director of Collections and Recoveries (J. Graham) claiming that I am in arrears and that further payments are due. Three times I have written back denying this and asking for an explanation. Three times my letters have been ignored.

Their telephone service is appallingly bad. It took me many attempts over three days to get through. When I did it took over one hour to receive a redemption value! I was offered £30.0 for the anxiety suffered and was promised that, provided payment was received within a few days, no interest would be payable. I rejected the offer of £30.00 to close down the complaint which I never intended to make but was suggested by the advisor. It is with some irony that I now find myself with the far more serious issue of the disappearance of almost £10,000 in their system, an arrears notice and consequent interest payments.

Not only is their automated system not fit for purpose but they have failed to maintain records of my personal data despite being notified of these changes in writing. To me, this implies the unreliability in their manual, as well as, their automated systems.

Traditionally I believe that BM can now repossess the property and sue me. This is a cause of extreme mental anxiety. Today, the 8th July there has been no resolution to this incident which started on the 18th May. BM still refuse to answer my letters. There remains no response to my GDPR request (received by them on 3rd June) for recordings of the related telephone conversations.

In desperation I have written to the Financial Ombudsman with documentary evidence of these preceedings. Being aware of reported issues of the Post Office's 'Horizon' financial software I am now writing to my MP to request a review of the competency skills of this company, and Lloyds, by the Prudential Regulatory Authority. In any case the group cannot be allowed to treat customers with such callous contempt over faults in their own financial auditing system.

I thought that by being able to pay off a mortgage would be a relief and satisfying experience. I now believe that BM have been obstructive in this context. Whatever their motive I feel that BM have, overall, been dismissive of my situation. AVOID.

I have a Buy to Let mortgage with them. I had an enquiry that I needed to resolve. I phoned during March and followed the options tree which resulted in me hanging up as the recorded message advised they were only dealing with their most vulnerable customers at this time (COVID). I completely understand and had no problems with this. Nearly 4 months later and I am getting similar recorded instructions. Their website suggested I write in as an alternative. I did, and haven't had my query answered, again over 3 months ago. I obviously have no issue whatsoever with the most vulnerable customers being prioritised, but I do have a problem when I am unable to speak to my mortgage provider at all to ask what is probably a fairly straightforward question, especially as there is no answer from letters and no facility exists to email them.

Does anybody even work for Birmingham Midshires? I have been trying to get in contact with them for months. I’ve had no response from my emails since April. Everytime I call them I’m on hold for 45 mins plus and then the phone call ends.

Terrible service - 40 minutes on hold for the operator to say that she could not hear me and then hung up. She had my number but no call back or email or anything. . Would suggest another lender who prides themselves on good customer service!
I used to have 3 properties mortgaged with them, down to just 1 and will move this one at the next opportunity.

Appalling company. After fully paying off mortgage they made any error in calculations amounting to approx £50 when advising our solicitor the redemption figure. Despite attempts by me and our solicitor they refuse to resolve preferring to send threatening letters advising they will repossess the house when they hold no interest in it at all! It would be laughable if it wasn’t so distressing. They make it impossible to contact them and the advisers you speak to (although very polite) promise to look into and call you back professing that they do not have to knowledge to resolve. Then the letters follow as above. Matter still remains unresolved and leaves me not not able to use my credit card on large purchases despite having a fantastic credit history, never missing any payments to anyone.

If you are looking for terrible customer service when they make a mistake go ahead and use BM.

Part of the Lloyds Banking Group.
That is all you need to know.

Absolute disgrace. I have a number of properties mortgaged with BM Solutions and other suppliers. BM Solutions are by far the worst company to deal with.

Try ringing their customer service number.
Exorbitant rates at the end of a fixed rate compared to new mortgage.
Will not accept responsibility when it is their systems and poor processes at fault.
Do not respond to any query in timely manner. Try getting a redemption statement.

There are many more BTL Mortgage providers out there who are significantly better to deal with than this company. There ratings on this site says it all.

I am an overseas landlord, holding two BTL mortgages which come out of their fixed rates on the 30th of April 2020. BMS only discuss product transfers with brokers and not with the person actually paying the mortgage. They have now decided that they do not give BTL mortgages to overseas borrowers, despite us being faultless and reliable customers for eight years. They won't speak to me during Covid lockdown because I am not classed as vulnerable, however it seems they have no issues keeping an overseas landlord on their higher variable rate. Yes, we will be moving our business elsewhere. Disgusting and disappointing service...

Spoke to BM today. Very helpful. Got the payment holiday in place and they offered further assistance in case I was expecting more than 3 months of problems.

BM Soloutions is part of the Lloyds Banking Group, a bank which was baled out by the UK taxpayers. Now with the country in a national emergency due to the Cover-19 virus BMS are profiteering from it's existing customer basis. Due to the difficulties in moving mortgage during the crisis BMS are offering existing customers product which are almost 1.4% above the rates on offer to New Customers. A blatant and disgusting exercise in milking their existing customer base into taking products which are well above the market rate. BMS product team should be ashamed of themselves! This bank should be avoided at all costs unless you wish to be treated unfairly!

This must be the worst bank ever greedy and cruel we are in the middle of an epidemic but this bunch greedy trolls are going to squeeze every last penny out of you and they don't cair how much it hurts. As soon as this crisis is over I will be changing my mortgage

Absolute garbage company. Set wheels in motion to remortgage with BM from another provider....3 months ago.....after delay after delay caused by BM incompetance gave up and moved to Virgin money who were top class. Avoid these amateurs at all costs.