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Miscalculated Mortgages With Yorkshire Building Society

Miscalculated Mortgages With Yorkshire Building Society

If your mortgage is with Yorkshire Building Society, there is a substantial chance that your borrowing may have been miscalculated. Research and physical auditing of Yorkshire Building Society customer mortgage accounts against loan offers has identified significant overcharging. This is amplified if the borrowing has ever featured arrears. Without a doubt, rapid growth since the turn of the century and aging legacy systems have not helped.

Beat the Banks, working in conjunction with our partners, are now offering an entirely free mortgage audit on currently held Yorkshire Building Society Mortgages, providing the initial amount borrowed was in excess of, or close to £100,000, and the mortgage was taken in 2009 or before.

We are also able to extend this offer to any mortgages taken with Yorkshire Building Society after 2000, providing they were retained for at least 7 years and again, subject to an initial borrowing amount of circa £100,000 or more.

Yorkshire Building Society can trace its roots back in time to 1864. It was famed for its tight, very basic underwriting and its often Dickensian approach. They were also one of the very last UK lenders to charge mortgage interest in advance for the whole year, meaning customers regularly overpaying or making lump sum reductions subsequently in that year, saw no reduction in interest paid on their mortgage borrowing.

Even after the millennium, Yorkshire Building Society continued to only offer mortgages direct to customers. There were little or no broker intermediary sales. Finally, in 2003 they decided to launch their own intermediary-only brand. Called Accord Mortgages, for what was known to be a very conservative lender, they shocked the market by even offering sub-prime borrowing. Unfortunately, their processing and procedures were, and still continue to be, woeful, with mortgage brokers either point blank refusing to use them at all or only as a lender of last resort.

In more recent years, the Yorkshire Building Society has grown steadily by taking over local and not so local building society rivals including, The Barnsley in 2008, followed in rapid succession by The Chelsea in 2010 and then the Norwich and Peterborough in 2011. On top of that, it also snapped up the Egg savings and mortgage business in 2011. Not surprisingly, it’s now the second biggest building society in the UK, behind the Nationwide, and boasts a network of nearly 150 branches.

If you would like to know more about our Yorkshire Building Society free miscalculated mortgage check, the Beat the Banks team are here to help on 01382 200474 or 0800 193 1234. If you live locally, we are more than happy for you to pop in with your paperwork. Either way, we only need a few minutes of your time to start the process.

Our office opening hours are 8am-8pm weekdays, except for Fridays when we close at 6pm. On Saturdays it 10am-2pm.

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  • Mrs C, Glasgow

    “From beginning to end, Beat the Banks have been very efficient. I am very pleased with the service from Jenna and the team. I am highly delighted and I have been recommending all of my friends.”

  • Shona, Dundee

    “Huge thank you to the team. After attempting to claim PPI myself and getting absolutely nowhere, I got Beat the Banks involved and ended up getting  £12,000. What a result. Beat the Banks made it so easy and were committed right to the end.”

  • Mr A McQuillian

    “From previous experience of PPI claim companies, I was a bit dubious if anyone could help me but I thought I would try Beat The Banks. To say I am pleased with the service and conclusion to my claim is an understatement. Beat the banks and my claim handler in particular handled all aspects of the claim from Clydesdale Bank with professionalism, courtesy, and efficiency to secure a positive result on my behalf. I would certainly recommend the services of Beat the Banks to anyone who thinks they have PPI claim, especially with the Clydesdale Bank.”

  • Mrs S, Falkirk

    “I was apprehensive about using a company to claim my PPI as I had previously responded to a “cold call” and was pestered with calls. I heard about Beat The Banks on a local radio station and because they were based in Scotland I felt comfortable approaching them. I have had a very positive experience with Beat The Banks. They are not pushy and answer any queries timeously. All the Agents I have spoken to were knowledgeable, polite and friendly. After the initial information gathering conversation, they understood my needs and just got on with my claim. No hassle. Even when it was clear that my claim was of a relatively low value they processed without delay. I would definitely recommend using Beat The Banks …. they put all the other companies out there to shame.”

  • T & A, Dundee

    “Down entirely to Mike’s hard work, we previously had a successful claim with Clydesdale Bank. Mike was convinced we had more loans with PPI and he was relentless in efforts to recover our paperwork from the bank. Finally, after many attempts, enough records were recovered to submit several claims. We have now received much more compensation, covering loans going back many, many years. If it had not been for Mike and the team at Beat the Banks this would never, ever have happened. Literally, all we did was sign our name and bank the cheque.”

  • Mrs S, Falkirk

    “I was apprehensive about using a company to claim my PPI as I had previously responded to a “cold call” and was pestered with calls. I heard about Beat The Banks on a local radio station and because they were based in Scotland I felt comfortable approaching them. I have had a very positive experience with Beat The Banks. They are not pushy and answer any queries timeously. All the Agents I have spoken to were knowledgeable, polite and friendly. After the initial information gathering conversation, they understood my needs and just got on with my claim. No hassle. Even when it was clear that my claim was of a relatively low value they processed without delay. I would definitely recommend using Beat The Banks …. they put all the other companies out there to shame.”

  • Mr & Mrs M, Shetland

    “We really appreciate the doggedness and professionalism of Jenna and the team at Beat the Banks. This is something we’d never have gotten round to doing and we’re so glad we went through the process with professionals as we’ve now had great results. Only positives have come from the experience.”

  • Mrs S, Falkirk

    “Excellent service so helpful, I received a substantial sum back that I had no idea I was due, thank you again to Beat The Banks especially to Gary who was so helpful and efficient in every way.”

  • Dave & Linda , Dundee

    “We had no paperwork but £52,500 reasons to say thank you, we are now living our Spanish dream! Exceptional service.”

  • Mr S, Dingwall

    “Have just found out I have won all my cases with the bank, going back many years and been awarded compensation of just over £15,000!”

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