Engage Credit Avis 

Customercare outstanding

Very helpful staff who dealt with my issue efficiently and with understanding.

After negotiating the maze of selection options. I spoke to a representative who was very informed and helpful. Got the answer to my request. Very painless really.

Easy access to account. Kind respectful call handlers

The staff member on the phone was extremely knowledgeable
He understood my needs and he provided a swift organisational fit to cater for my request .

Phone call answers on two seconds yes ! literally

Amazing service

Highly recommended financial institute

And a massive thank you to the consultant I spoke today

Sorry I did not catch their name

Keep it up

DO NOT USE. AVOID LIKE THE PLAGUE. I am not a landlord but a prospective tenant and I am forced to write a review for these awful people due to how bad they are. I have been waiting for 5 months to rent a flat. This vindictive malicious company breadcrumbed my landlady requirements to gain consent for me to rent so that she would get frustrated and rent it out regardless of the ridiculous hoops they require you to jump through so that they could play for repossession. Even after them taking her to court without following proper legal procedure (3 days notice!!) and having completed all of their "necessary requirements" did they still refuse to give her consent to rent. Our landlady has been forced to remortgage her property just to be able to rent it out. And now at the tail end of trying to get out of their horrible grasp they have failed to provide us, within the legal time frame (7 days), with a receipt that the new lenders have paid them off. We started this process at the beginning of July, so this whole rigmarole has taken 5 months! (AND COUNTING) If only they had a physical office...

Just received my letter on my interest rate following the change in the BoE base rate. My interest went down but my monthly payments went up 😡
When I rang and asked why it had gone up I was fed a load of rubbish about the Sonia rate.
What’s the point of the BoE reducing the rates if the savings are not being passed on.

It made me put a star rating but it is not at all even a 1 star rating

This company have literally ruined our life!
I can’t believe they can do this to good hard working people!
We have pleaded with them but they are taking everything my husband,
Myself and our kids will be on the street soon due to this money grabbing dodgy company.
All of these people on here need help but where can we get it?? Pepper gave our mortgage to this horrible company and put the interest up so high it’s so unaffordable. Not sure how these people sleep at night.

Rubbish , you reply to say let’s talk and call this number but YOU DONT HELP, YOUR TAKING THE LIVES OF
INNOCENT FAMILIES BY CAUSING
STRESS AND TAKING EVERYTHING AWAY FROM THEM , YOU THINK ITS OK! why be so money grabbing it’s NOT FAIR AND NOT RIGHT!!
Not sure how you people sleep at night.

Alpesh Bilakhia a senior consultant was absolutely fantastic in helping me with the capitalisation of my arrears, he spoke to me with the utmost respect, was open and honest and certainly went above and beyond to assist and furthermore kept me updated throughout the process. Alpesh is a fantastic asset to Engage credit. This review is solely based on the customer service experience I had.

This company took over 2022 from Kensington Mortgages my mortgage was paid 12.11.19 but unknown to me I was £200 in arrears I had no idea alledgly they said a letter which was a crock of sh*t... fast forward to July 2025 court papers for repossession they wanted 10k they had put that on as fees and interest. We went to court it was adjourned knowing I had mental health issues disabled physically and mentally from loosing my hearing they were happy to carry on with the repossession I didn't take the risk loosing my home after 31 years I paid them £11.914.01. This consisted of 10k fees court fees £1300 odd exit fees £25 and £50 odd quid interest. When this awful scamming bastards took the account over they were the 5th mortgage company. Financial Ombudsman have my file please reach out to me if anyone is doing anything about these scamming bastards as a collective we need to come together now. Engage Credit you should be shut down the rest of my natural life I won't leave this!

Having paid my mortgage in full I was initially told I’d have my deeds in Apx 8 weeks. Having not received them after 8, I rang to be told they couldn’t get them because ALL accounts which were transferred from Masthaven Bank didn’t have them! They could have told me this when they transferred the mortgage - would have kicked up a fuss then - or on closing it! I shouldn’t have to ring 8 weeks after full payment to be told. Eventually, after asking to speak to their legal department ( couldn’t) they have sent what they could from land registry ( not my deeds) in fairness I’m awaiting a response to my complaint and if not satisfactory I’ll be going straight to the financial ombudsman. They need to organise getting my deeds reinstated and pay someone to do it, not expect me or my solicitor to do it! Beware if your account was transferred from Masthaven, because unknown to you, you are in the same position if you come to sell / pay off your mortgage. If you have a choice, don’t touch this lot with a barge poll!!!

Only got a one star because can't give zero.
I'm now having to go down voluntary reposssesion route as you won't help me anymore because you've reduced my rate for a year.
I'm now going to be homeless age 58 and lose our family home of 18 years.
Thanks for nothing

No reply to my complaints email then a letter saying they need more time to investigate it. Mortgage gone up from £1000 a month to £5300 a month. To be told to help me they have gone with mortgage charter for 6 months after which my payment will go up to £6300 a month Do I have a million pound luxury home no! £156000 taken over from Kensington in 2017. Only 3 years left till end date. However my original mortgage was interest only. They say my contractual terms and conditions remain unchanged, IFrom other feedbackif they brush off complaints as if there's nothing to see here and the FOS cant deal with these issues where to turn. something seriously wrong here.

How can a company be run like this. They never took the mortgage payment on the date last month. We rang them on the day to advise them and payed it there and then. We have just been sent a message saying we missed a payment and it's gone on our credit history. How dare they. What is wrong with this company they bought out our old mortgage company and charge us double interest.

Oh Engage Credit you absolute liars.
On my review in January 2024, you stated you were glad an agreement had been reached.
However in March 2025 you needed more information to find my account. Which one is it?
Welcome to horrible world of Engage Credit.
You utterly sell your soul to the devil itself as soon as you enter.
Anyone contemplating doing ‘business’ with this so called company….don’t.
Live in a tent, a car, a cave…..anywhere! Stay clear of Engage, your life literally becomes pure and utter hell on earth

Join the fight against Engage credit big things coming against company check out campaign against engage credit also pepper on fb.
This company needs shutting down they keep getting my posts removed and I will keep putting them back freedom of speech

This company is trying to repossess a deceased relative’s house despite my best efforts to sell the property and repay the mortgage owed. Despite having a Memorandum of Sale, Engage Credit jeopardised the sale by proceeding with a repossession hearing which was successfully adjourned. The sale has now progressed to close to completion but Engage Credit has booked in yet another repossession attempt for July. Worse still, they are attempting to charge their legal fees to my late relative’s estate and have added punitive interest to the money owed. They have rejected my complaints leaving me no choice but to go the ombudsman and failing redress that way potentially taking them to court. Terrible company that is obstinate and unhelpful during phone calls and emails. All they care about is money.

Had a fixed term with them and have now been able to remortgage to a high street bank. I didn’t have any problems over the last 5 years. Remortgage went smoothly and they returned an overpayment within 7 days. The portal is poor. I would think that in the 21st century, you should be able to see your account on line like you can with any other lender. Poor! Overall, I was satisfied, but glad to have been able to escape a SVR of 9.4%!

Engage bought my mortgage from Kensington. Our rate has gone sky high which has caused financial struggles to a point we have to sell our house. Our redemption figure has not taken into account and not applied any discount whatsoever so ever. What appals me the most is my interest only mortgage of 130k have raised to 180k in a short period of time! These are loan sharks and rip off merchants!!

Received a text message saying in the next 7 days we would receive a letter as we were owed money back from engage after paying the mortgage off with them but have heard nothing! Have tried emailing and calling and no reply!