Negative Equity UK Reviews

Name: Negative Equity UK
Address: Unit 2, Channel Wharf, 21 Old Channel Road,, Belfast, Antrim
Rating: 4.93

4.9 Rating 199 Reviews

99 %

of reviewers recommend Negative Equity UK

Company Reviews

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4.9

Based on 199 reviews

Shipping & Delivery
Delivery Methods	Postal Service
Customer Service
Communication Channels	Email, Telephone, Live Chat
Queries Resolved In	3 - 6 Hours

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Phone:

0161 660 4403

Location:

Unit 2, Channel Wharf, 21 Old Channel Road,,
Belfast
Antrim
BT3 9DE

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Anonymous

Anonymous // 01/01/2019

Sort by: Most Recent Most Recent Highest Rated Filter: None None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“We purchased a house in August 2007 for £175,000. We were getting married one year later so we're keen to buy and settle. The house prices just kept creeping up and we didn't see them falling anytime soon, how wrong where we. many significant changes happened in the following years such as an ongoing medical condition, young family, both changed jobs and location became unsuitable due to child minding and distance for jobs. Feeling we had no other options but to hand the house back and go 'bankrupt' we started to look into options. CD Fairfield came at a time when we had lost hope in our mortgage company after asking for help and advice on numerous occasions. Cd Fairfield have been supportive, provided guidance and at no time ever made me feel like I was annoying them with my multiple phone calls and emails. They have been consistently professional and encouraging throughout, especially our case manager Heather. I won't lie, it has been a long stressful process and for us... It paid off hugely!! We have no Iva, no bankruptcy and no arrears. Heather managed to negotiate with the bank an agreed lump sum and small monthly payments over 4yrs. I have recently checked my credit trying and it is already higher than my brother in laws who is no debt etc. My advice is have a little patience, don't be afraid to ask and in time it might also pay off for you!”

Helpful Report

Posted 7 years ago

“The best decision i ever made was to call into negative equity. I didnt think they could help me, i didnt think anyone could but they did. I felt that i was stuck in a rut with no sign of escaping but thanks to the guys at negative equity i can finally see light at end if tunnel for me and my children. I cannot thank the people there enough. I bought a property on my own when badly advised just before the crash and it had haunted me every since. I found myself getting into more and more debt trying to a mortage amd co ownership loan that i should never have been given. But hopefully with negative equitys help i can finally move on. Thank you to everyone there”

Helpful Report

Posted 7 years ago

“I purchased an apartment in 2008 for £195,000. I made a bad decision and took bad advice regarding an interest only mortgage in conjunction with Co Ownership. The monthly rent and interest only mortgage was too much for me as a single person and they was never any chance I would have been able to start making mortgage repayments. I was totally mis sold this mortgage. I thought there was no way out and I continued to struggle to make payments for 8 years getting further into debt in order to live. In 2016 my property was in £100,000 of negative equity and I wanted out. My Mortgage company and co ownership were of no help and told me bankruptcy was the only option. When I found out about Negative Equity NI, I made an appointment for an initial chat, with no great hopes of a solution. After my first meeting with Tom in April, I actually felt for the first time in years that there was a solution to this nightmare and I could actually be out of it in a few months. The whole process was actually very simple and not at all stressful, everything is taken out of your hands and dealt with in a professional and efficient manner. Nothing was too much trouble, even though I often had silly questions! I moved out of my apartment in August and am now in rented accommodation, so much happier and stress free without a mortgage, which was literally making me ill. Big thanks to Tom, Kyle, Scott and Adele for making everything so easy.”

Helpful Report

Posted 7 years ago

“Literally the best thing I've ever done. My house had £80,000 of negative equity. I didn't really want to live there. I was "treading water" paying an interest only mortgage. Negative Equity UK sorted it all out. The house was sold and I'm paying back £9,000. £71,000 write off. Very understanding and helpful people. Totally approachable. I've recommended them to several friend's in the same boat.”

Helpful Report

Posted 7 years ago

“Our story is probably the same as thousands of people across Northern Ireland who purchased property around 2005/06. We purchased a house which at the time served our needs and which we were happy to live in. However, as our circumstances changed and work commitments and family meant that we had to move to a different location, we were in a position where we couldn't sell our house due to the 50% hit it had taken in value and couldn't buy a new house either. We became reluctant landlords and renters. This in itself brought many difficulties, and the rental income only ever covered the interest element of the mortgage, meaning that the capital balance remained. We now had no family home, no savings, and mounting bills and debts, causing a lot of stress and worry. We had no prospect of paying the mortgage off at the end of the term. We thought there was no way out of this spiral until a good friend recommended CD Fairfield. Right from the outset with Bob and Tom, they assured us that our situation is no different to many across Northern Ireland and that there were processes that could possibly help us get out of the situation we were in. Natasha and Leslie then handled our case in a very professional manner and explained everything to us along each step of the way. Thankfully they helped negotiate a settlement that has let us move in with our lives and look to the future with positivity instead of fear. I would urge anyone in the same boat as we were in to talk to CD Fairfield, don't put it on the back burner and hope things will change in a few years. It won't, plus interest rates will rise sometime soon. Go talk to the guys and deal with the problem now, that is the biggest step. When you realise there is a path out of, you can start to move on with your lives again. Thanks to all the team, you have made such a difference.”

Helpful Report

Posted 7 years ago

“Like many people, my wife and I purchased our first home a year before the property crash. As our family grew we needed to move and where recommended a competitor of Negative Equity UK but after 15 long months we found ourselves further out of pocket and in exactly the same position. At this stage, we had resigned ourselves to this all being ‘too good to be true’ and that this sort of help was not meant normal working families. In December of 2015 I was recommended by a trusted family member that I should speak to Kyle at Negative Equity UK which we did in January 2016. During the first meeting with Kyle and Heather the ‘too good to be true’ feeling had returned only this time it was achievable and all fears and worries we had they alleviated. The difference between the two companies was clear to see (I instantly felt very stupid for trusting the other company) and as we discussed our option their honesty and professionalism meant I instantly trusted them to do their best for us. After the house finally selling at the end of October 2016, our case was settled in November much to our delight. I would especially like to thank Kyle, Heather and Adele for all their help and support throughout the process. I would highly recommend Negative Equity UK, speaking to them has changed our lives for the better, Thank you.”

Helpful Report

Posted 7 years ago

“Like a number of people my husband and I built our first home at the peak of the property boom. Our circumstances have since changed with children moving to England we have realised that we would like to follow them. However due to high negative equity thought that this was completely out of reach sending me into depression.Thinking that we had no other available options a friend recommended Negative Equity UK. We had an initial consultation and everything sounded too good to be true. But much to our relief everything happened as instructed ! We are now living in new premises completely free of the worry of negative equity.I can't thank the team enough especially Tom, Kyle Scott Heather and Natasha who were more than helpful throughout the process even with the persistent phone calls!”

Helpful Report

Posted 7 years ago

“I would like to thank Negative Equity for their help to clear off my mortgage.I had negative equity around £85000 and with help of Negative equity I could settle of with $8000 . Thank you very much to Negative equity and I would really recommend them if any one got same kind of situation. Also I would like to thank Lesly and Natasha who were more than helpful throughout the process.”

Helpful Report

Posted 7 years ago

“Like a number of people my wife and I purchased our first home at the peak of the property boom. Thinking that we had no other available options a friend recommended Negative Equity UK. We had an initial consultation and everything sounded too good to be true. But much to our surprise everything happened as described. We are now living completely free of negative equity and aiming to get back onto the property ladder as soon as possible. I can't thank the team enough especially Tom, Heather and Natasha who were more than helpful throughout the process. A+”

Helpful Report

Posted 7 years ago

“In 2011 my personal circumstances changed and due to unforeseen circumstances I lost my house and assets. I never thought I would ever find myself in this situation, faced with an overwhelming debt of close to £100,000. The debt brought on immense worry to my personal life and I regularly thought I had no way out. I was receiving numerous demands from debt collecting companies by way of letters and telephone calls and the situation was unbearable. CD Fairfield were recommended to me by a friend who stated they could really help my situation. After my consultation I knew CD Fairfield were a company that could help me resolve this unimaginable problem. CD Fairfield instantly and significantly reduced the stress as they dealt with the debt collecting companies directly on my behalf. This took away the pressure of opening mail or receiving the unwanted phone calls. CD Fairfield kept me appraised of all developments and gave me sound and professional advice on what options were available to me. Whilst this was a long process from start to finish, as my circumstances were complicated, I sincerely could not have dealt with this situation on my own. CD Fairfield negotiated on my behalf and reduced my debt to £12,000. I am now able to rebuild my life and I cannot thank CD Fairfield enough, in particular Heather for her patience, professionalism and determination. We all think " it will never happen to me. " It does unfortunately and I'm forever grateful and relieved I chose CD Fairfield.”

Helpful Report

Posted 7 years ago

“'In 2007 we bought our first home together; by October 2014, we were now a family of 4 and our wee home was worth less than half of what we bought it for. We were struggling to meet the mortgage payments which were interest only, so we were getting nowhere. We would never pay off the house and were already concerned about the debt we would one day leave our kids. I had seen negative equity NI advertised and decided to give them a ring. From that first conversation with Bob, then meeting with Tom who showed us a positive route forward, the massive burden began to breakdown and our minds started to ease. We are now debt free, 90% debt cleared by Negative Equity NI and renting our dream home. Everyone we dealt with in Negative Equity NI were wonderful, the case workers were only ever an email or phone call away and always provided a reassuring response. We are so grateful for all they did.”

Helpful Report

Posted 7 years ago

“Negative Equity UK delivered a very positive result. I would recommend their services to anyone in financial difficulties. Helpful staff, efficient and effective”

Helpful Report

Posted 7 years ago

“Negative Equity represented us when we found ourselves in significant financial problems. With a number of buy-to-let properties that were in negative equity and costing us each month we were facing potential bankruptcy, until Negative Equity took on our case and negotiated a settlement with our lender. It was such a relief to have a team of people on our side who were incredibly knowledgeable and supportive and who achieved a settlement we could only dream of. Thanks to them we can now look forward to the future with confidence knowing we can provide for ourselves and our children.”

Helpful Report

Posted 7 years ago

“The team at Negative Equity NI have helped us more than we can ever express. We had a buy to let portfolio that was in huge negative equity and not performing on a monthly basis either so that it was a constant drain on our finances with no prospect of improvement. The team helped and advised us and were able to negotiate on our behalf a mutually agreeable solution to return the properties to lenders and satisfy the shortfall with a lump sum. What they did for us was amazing and means more than we can ever express. The burden has been removed and the problem solved. Thank you!!”

Helpful Report

Posted 7 years ago

“I cannot thank the staff at Negative Equity UK enough. They were professional in all our interactions and were always approachable. Most importantly they delivered on what they said they would do. I would highly recommend using this company.”

Helpful Report

Posted 8 years ago

“First class service. Genuine staff who are there to help. Highly recommended.”

Helpful Report

Posted 8 years ago

“would like to thank all at N.E. UK especially Heather who was so professional in her roll ,she dealt with us and our case so well im sure at times this was not easy ,we had a negative equity on a property of £63.661.98 Heather negotiated a settlement of £8.000 . great result for us after 9 years of worry paying a mortgage we would never in our life time have paid off thank you all so much . Gordon & Wendy co.Tyrone”

Helpful Report

Posted 8 years ago

“We had another baby a couple of years ago and we were struggling with our mortgage. Bills seemed to keep coming and we couldn't buy somewhere more suitable because the value of our house had decreased so much from the mad price that we bought it at. We found negative equity on Facebook and after our first appointment, they guys in the office took care of everything! We're now renting a property that suits us and we even have some extra money to save at the end of the month now!”

Helpful Report

Posted 8 years ago

“Thank you to the team at negative equity for your help with my mortgage arrears and property debt. I didn't even know a service like this existed. It sounded too good to be true, but after 8 months, my case was complete and I could move on with my life! Would recommend 10/10”

Helpful Report

Posted 8 years ago

Negative Equity UK is rated 4.9 based on 199 reviews