Had a horrible experience with them. I wish I had seen the reviews of people here before starting my remortgage. I got a very decent remortgage deal with a Llyods for 5 years for my house. I accepted the mortgage offer in March 2025. My current mortgage with Halifax was finishing on 31st May so we had ample time to sort out all the legal stuff. I was told on 21st March that there is some restriction on my house and they have to get a compliance letter from the housing company and they would charge a fee of £75 for that. At that time, I didn't feel it would be that much of an issue. What I did not know was that it will take ages for them to get that letter. It's 28th May today and they still haven't got the right letter. 3 weeks ago, when I asked them to escalate, I was told that they cannot escalate it and that I should escalate on my own behalf. And that's what I did. Called the housing company myself, spoke to them, got the email of the right person and finally she sent them a letter only for them to send it back stating it was the wrong type of document. And then when she did send the right document, they again rejected it stating that there are more details to be added. I mean why can't you explain everything to them in a simple language and get the dam letter in one go ? Now if this doesn't get sorted out before 31st May, my current mortgage deal will go from fixed to variable rate from 1st June and my monthly payments will go up from £1516 to £1998 (almost 500 poounds extra). I kept reminding them to hurry up to avoid this extra payment but they don't seem to care whatsoever.
If you look at other people's reviews. They have done it to so many people and poor people had to pay 1000s of pounds extra because of Enact's sheer negligence and inefficiency. Anyways, I am not one of them, I have cancelled my remortgage with Llyods and will continue my mortgage with Halifax. The rate is a bit higher but at least I wouldn't waste 500 pounds because I work hard to earn rightful money.
Lastly, I paid them £85 pounds for that certificate fee. And when I asked them to refund it, they refused stating that it is paid to the housing company.
HORRIBLE HORRIBLE HORRIBLE
