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Review summary

Created with AI, based on recent reviews

Most reviewers were somewhat happy with their experience overall. Many customers are satisfied with the staff, describing them as helpful, knowledgeable, and friendly. People appreciate the empathetic and professional attitude of the advisors, who are often praised for their ability to answer questions efficiently and provide good advice. However, some people were dissatisfied with the service and price. There are reports of significant increases in mortgage rates and concerns about fees. Some customers also mentioned issues with response times, including unanswered emails and long waiting periods on the phone.

What people talk about most

Staff

Users describe positive interactions with staff, praising their professionalism, helpfulness, and friendly... See more

Customer service

Customers consistently note ambiguous experiences with customer service. Many reviewers praise the... See more

Service

People report negative experiences with service, describing it as a "calculated trap" and highlighting issues... See more

Response time

Clients share ambiguous opinions on response time. Some customers report immediate query resolution, with... See more

Price

Customers had negative experiences with price. Many reviewers report excessive and hidden fees, with some... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I would like to thank you for your Agent Mrs EDITH , she was really helpful to me and understanding my situation and illness . As I suffer. With high depression through the long conversation, I don’t... See more

Company replied

Rated 5 out of 5 stars

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 secon... See more

Company replied

Rated 5 out of 5 stars

My advisor Daniel was very helpful and kind. He was patient in dealing with query and made me feel at ease and he explored all the options available and even got an answer for my question straight awa... See more

Company replied

Rated 5 out of 5 stars

I spoke with Omotunde several times over a week.. each time i found her to be professional, helpful and friendly also very solution orientated... It's never easy dealing with a difficult situation.... See more

Company replied


Company details

  1. Non-Bank Financial Service

Written by the company

Engage Credit is a Mortgage Servicer. This means we manage mortgage accounts on behalf of original mortgage lenders, rather than providing mortgage loans directly. We're committed to treating customers fairly and putting customers at the heart of everything we do. Our role includes, collecting mortgage payments, managing customer accounts, providing customer support if you’re experiencing financial difficulty and making sure your mortgage is administered correctly and fairly. It's important to know: we don't control interest rates or decide lending criteria; we don't issue new mortgages, product switches or refinance loans; we follow lender instructions and regulatory requirements and most importantly; we’re here to help. If you need support, have questions about your account, or think something doesn't look right, please get in touch. Speaking to us early gives us the best chance to help you. We value feedback, positive or constructive as it helps us improve and better support our customers.


Contact info

3.6

Average

TrustScore 3.5 out of 5

353 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 52% of negative reviews

Typically replies within 1 week

How this company uses Trustpilot

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Rated 1 out of 5 stars

Impossible to contact

Impossible to contact. They never answer the phone or call you back. Replies to these messages to say to call 0333 014 2046 to speak to the complaints department are A WAIST OF TIME. THEY DO NOT ANSWER

21 December 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

Thank you for taking the time to leave your review, we have subsequently been in touch with you and have been able to deal with your enquiry.

Rated 1 out of 5 stars

Impossible to contact.

Impossible to contact.
I was wanting to discuss a number of issues relating to my account and was kept waiting, and waiting, and waiting, and waiting...............................
Never respond to letters either

20 December 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

We are sorry that you are unhappy with your experience with us. We have been unable to locate an account for you based on the information in your review. Please call 0333 370 4642 to speak to a member of our Complaints Team so that we may investigate this matter for you.

Rated 1 out of 5 stars

Answer phone calls

This company could improve by answering calls. 4 days I have been trying to speak to someone. I'm sure these calls will be costing me. I'm in arrears and needing help .they would be quick enough to take my house of me..Kensington was a far superior company. .get you act together engage credit

20 December 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

We are sorry that you are unhappy with your experience with us. We have been unable to locate an account for you based on the information in your review. Please call 0333 370 4642 to speak to a member of our Complaints Team so that we may investigate this matter for you.

Rated 1 out of 5 stars

I waited 3 good hours to speak to this…

I waited 3 good hours to speak to this people, I got fed up and went off the phone. Terrible company.

19 December 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

We are sorry that you are unhappy with your experience with us. We have been unable to locate an account for you based on the information in your review. Please call 0333 370 4642 to speak to a member of our Complaints Team so that we may investigate this matter for you.

Rated 1 out of 5 stars

I agree with the other reviews on this…

I agree with the other reviews on this thread. It is completely impossible to get hold of anyone in this credit company, I called the customer service line Monday and wait 2hrs to be disconnected. I tried again today and waited over 1.5hr and was disconnected. I tried to option of getting a call back, still waiting for that call. There is no option to email them either as the website explains. Not a very professional or creditable company if they just take your money and cannot be contacted ever again.

14 December 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

We are sorry that you are unhappy with your experience with us. We have been unable to locate an account for you based on the information in your review. Please call 0333 370 4642 to speak to a member of our Complaints Team so that we may investigate this matter for you.

Rated 1 out of 5 stars

Was totally happy with kensington I…

Was totally happy with kensington I have terrible trouble paying on line it says not expecting 18 times tried ringing them asked for banking details to set up a direct debit and still not got I wouldn't have chosen this company why didn't I get a choice

9 December 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

We are sorry that you are unhappy with your experience with us. We have been unable to locate an account for you based on the information in your review. Please call 0333 370 4642 to speak to a member of our Complaints Team so that we may investigate this matter for you.

Rated 1 out of 5 stars

This company is a joke

This company is a joke, 12 phone calls requesting a statement on our mortgage and the balance of capital after an overpayment of £1500, to be told this was in credit and nothing taken off the capital, after a wait time of 3 hours over 2 phone calls finaly got through, asked why we hadn't been sent a statement, answer: postal strike? What since October, what is the outstanding capital, great they had taken the credit off the capital; but not backdated to when the payments were made, adding the saving of £400 back on to the capital. Lost patients with this company, now seeking legal action and reporting to FCA & ombudsman. Avoid - cowboys.

7 December 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

We are sorry that you are unhappy with your experience with us. We have been unable to locate an account for you based on the information in your review. Please call 0333 370 4642 to speak to a member of our Complaints Team so that we may investigate this matter for you.

Rated 1 out of 5 stars

Please please avoid this company if you…

Please please avoid this company if you can.
They don’t answer their phone.
They lie about sending your letters.
Very unhelpful and patronising.
They need to be reported.

15 November 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

We are sorry that you are unhappy with your experience with us. We have been unable to locate an account for you based on the information in your review. Please call 0333 370 4642 to speak to a member of our Complaints Team so that we may investigate this matter for you.

Rated 1 out of 5 stars

Shocking

Tried to call Engage Credit. Yesterday it took me more than hour to reach them. Today I was at queue for more than 3 hours until my patience run out and I hung up. Ironically during the last hour automated voice kept telling me that current waiting time is less than 5 minutes. Probably everybody is watching football.

24 November 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

I can see that following this post you have spoken with us. I am sorry that you are unhappy with your experience with us and the delays you experienced when calling us, we are currently experiencing very high call volumes. Thank you for taking the time to leave your review.

Rated 5 out of 5 stars

Big thank you to Tracy

To give a little balance to the many negative reviews I want to recognise the outstanding customer service provided by Tracy. I rang with an urgent request for a document to enable me to complete on a property purchase. My solicitor only told me this was required the previous day. Yes, it did take a long time to get through on the phone but once connected to Tracy she understood exactly what was required and turned it around for me within 24 hours even though the standard time for this request is 3 working days. She called me back exactly when she said she would and confirmed the document had been faxed to my solicitor. Without her amazing efforts I wouldn't have been able to complete on time. Immensely grateful to her. Thank you!

1 November 2022
Unprompted review
Rated 1 out of 5 stars

This company is an joke !!

This company is an joke !!! I have tried contacting them on about 8 different occasions. They are sending letters out saying I haven’t made payment but I clearly have … this has happened on 2 different occasions. Run!!!!!

8 November 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

We are sorry that you are unhappy with your experience with us. We have been unable to locate an account for you based on the information in your review. Please call 0333 370 4642 to speak to a member of our Complaints Team so that we may investigate this matter for you.

Rated 1 out of 5 stars

Help

I have been trying for three days to get through to these people and been held on hold I am ringing from a mobile cannt understand why no email address even the info they give you to go on line is a joke how am I suppose to fin out what my payments are going to e

5 November 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

I am sorry that you experienced challenges trying to contact us in early November, we have been experiencing very high call volumes. I am glad to see that you subsequently were successful in contacting us and the matter was resolved. Thank you for taking the time to leave this review.

Rated 1 out of 5 stars

Shocking company

Absolutely shocking company. I would NEVER do any business with them again. Paid off our mortgage 2 weeks ago & only yesterday after we had rung 7 times did they confirm receipt of our payment of over £300,000-prior to that they told us our payment had not been received! The whole fiasco has been incredibly distressing. Takes 45 mins to get through on the phone, not possible to email or fax. Promised 2 return calls, which did not happen. The number they provide in their replies below is the 45 min wait no & it is not possible to speak to Complaints directly. Perhaps someone very senior would have the courtesy to contact me as there are still serious issues outstanding.
I am referring them to the Financial Services Authority.
Further Comment (19th Jan 2023): I see they have taken nearly 3 months to reply to my post above-thats how shocking their practices are. I am certainly not wasting yet another 45 mins ringing the same number below! Dont ever deal with this company!

24 October 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit


“Thank you for bringing this matter to our attention. We cannot identify your account from the information supplied and would like to talk to you about the concerns you have expressed. Please call us on 0333 370 4642 to speak to a member of our Complaints Team so that we may investigate this matter for you.”

Rated 1 out of 5 stars

Attempting to make my usual mortgage…

Attempting to make my usual mortgage payment via the portal and unable to do so. Account well up to date as always and finding this quite distressing. NEVER had a problem when this company was Kensington and always had access to my account and payments made. Very much an inconvenience and far from happy. Appalling service! Systems in very desperate need of an update.

29 October 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

Thank you for your review, I note that subsequent to posting this you spoke with us and the matter raised was addressed. Please accept our apologies for the inconvenience you experienced.

Rated 1 out of 5 stars

I wish I had known about this company…

I wish I had known about this company when Kensington mortgages decided to hand us over to them. Our mortgage has gone up over £600 at a now 8.14% .. we r selling and to try and get a redemption statement for our completion date is unbelievable.. is this company so unprofessional that they can’t work it out???? And to top it all they have no email… I mean it’s 2022 and they can only send faxes to companies that no longer have these outdated machines… word of advice don’t use this company

20 October 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

I am sorry that you experienced challenges trying to contact us in October, we have been experiencing very high call volumes. I can see that you were ultimately successful in contacting us. Thank you for taking the time to leave this review.

Rated 1 out of 5 stars

Tried Writing, Court Action will get it Sorted

Tried Writing, ringing, Email, can't get through, Please note I do not have a Mortgage with them, but the Mortgage Company I'm with disappeared, the Famous SMPL Mortgage Company, linked to Kensington Mortgage Company, all so do not take Calls or Reply to Emails.

19 October 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

Thank you for bringing this matter to our attention. We would like to talk to you about the concerns you have expressed. Please call us on 0333 370 4642 to speak to a member of our Complaints Team so that we may investigate this matter for you.

Rated 1 out of 5 stars

i have tried to call every days for two…

i have tried to call every days for two weeks waiting time of 1 hour have to hang up, i want a redemption figure on one of my loans/mortgage i have wrote a letter still no reply what can i do

3 October 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

Thank you for bringing this matter to our attention. We will contact you directly to try and resolve the points you have raised.

Rated 1 out of 5 stars

We asked for a redemption figure for…

We asked for a redemption figure for our two mortgages,we paid them off 8weeks ago and apparently after waiting over an hour on the phone the mortgages are still in the process of being sorted out. The story changes every time you speak to someone else.Thank God we have nothing more to do with this awful company and its useless representatives.

14 October 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

Thank you for raising your concerns and taking the time to discuss these with us, we are pleased that an agreeable resolution was reached.

Rated 1 out of 5 stars

This company is an absolute joke

This company is an absolute joke - avoid like the plague. After waiting over 30 mins to get through and the pathetic security questions they ask only to be told you're in breach of data protection!!! Only trying to amend my address details as living in Wales I also have address is UAS according to them!!! It's also not right that you do not have access to check your own account balance. Customer service is absolutely shocking the staff are like robots.

7 October 2022
Unprompted review
Engage Credit logo

Reply from Engage Credit

Thank you for taking the time to post the review. I note from our records that the complaint points were reviewed and responded to in November.

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