"We would have been lost without Natasha. She was very professional, courteous and respectful at all times, taking away any fears and doubts, she guided us through a difficult debt negotiation
Natasha was our personal client officer and was always ready to assist, keeping us well updated with what was happening and what we had to do next. She made us feel so at ease we could not have had anyone better helping us get the great result we needed. Thank you to Natasha for everything you done for us and we would highly recommend this company."
We bought a house in Bangor for £150k in 2007 on a 100% interest only mortgage with my Dad as guarantor to increase the amount we could borrow. The property market then crashed and we were left in a significant amount of negative equity. A couple of years later, we moved to England and rented out the house so we could continue to pay the mortgage. As the rent from the house didn't cover the mortgage we had to pay extra each month. However it was clear the house prices weren't going to increase to anywhere near what we bought the house for, so we were paying money for a mortgage that was going nowhere. We were also stuck renting a house in England and couldn't see a way out.
We came across Negative Equity NI through an internet search and from the outset they were reassuring and very professional. They gave us confidence that they had dealt with this type of situation before and that they could help us move on. We were really worried about the bank going after my Dad's assets but Negative Equity provided advice on this too.
They were honest from the beginning about how long the process could take and this was accurate (2 years) but it was worth the wait. We did have to stop paying the mortgage and hand the keys back which has affected our credit rating, but the bank left us with no other option and at least we can now move on.
When the house was sold, the negative equity was almost £90k. We paid a lump sum of £19k to settle the account and the rest of the debt was written off.
The day Lesley rang to tell us this news was just amazing. It is such a relief to be out of the situation we were in and means we can move on with our lives.
Thank you for everyone at the CD Fairfield team who helped us."
"Purchased a new build in 2007 at height of market in Magheralin for 200k. Crash left us mortgage prisoners. Mortgage interest rate went from 1.5 to 5.99. payments through the roof for 8 years. A friend put us in touch with Negative Equity NI. We sold the house for 82k. Settled over 100k with the bank for 25k. Life is less stressful now and we appreciate the abundance of a debt free present. Thank you to Negative Equity NI. A real modern day miracle for people who were once distressed."
"I can highly Recommend this company.From start to finish so helpful everything explained to us in an easy manner. Natasha was our advisor she was fantastic we are now stress free everything was straight forward and we want to Thankyou so much Natasha for all you did so big Thankyou from us."
"As a result of buying our first home, we were advised by an independent mortgage broker to choose an interest only mortgage. This left us in massive negative equity when we wanted to move to a different area. We contacted the team at CD Fairfield and they were able to negotiate the debt to an affordable lump sum and monthly repayments which meant our new home was more secure. It was a lengthy process but has resulted in us avoiding backrupcy, county court judgements and our credit is improving every year. Thanks to Heather for putting up with us!"
"Very professional and courteous throughout my dealings with this company. I received a very positive result while they helped me to write off a large percentage of my negative equity. Highly recommended"
I have to admit that the guys were very professional, courteous and respectful at all times, allaying any fears and doubts, but best of all they had an intimate knowledge of internal banking procedures and the weak points. They guided me through a difficult debt negotiation and assisted me to make a record saving on my mortgage.
Natasha was my personal client officer and was always ready to assist, all the guys are very good and I have no qualms in recommending this company to anyone."
"From start to finish Negative Equity put us at ease with the whole process of selling our first home which was in a lot of negative equity and moving on with our lives.
The reality for us at the time was that we had outgrown our first home and wanted to move closer to family and we thought that this was impossible due to the current housing market.
Negative Equity answered all of our questions and gave us lots of options to choose from and within a year we had sold our house, purchased a new home and came to an affordable and realistic settlement figure with the bank.
A huge thank you to Leslie and the team for their hard work which we could not have achieved without their support and for anyone who is in a similar situation there is light at the end of the tunnel, just give them a call."
We bought our first beginner home in 2007, young graduates desperate to own a home, afraid of waiting any longer. We were given a 100% mortgage, and interest only. Of course just a few months later the market crashed. We accepted (reluctantly) that we would have to stay where we were, and our hopes of life in the country diminished other than a lottery win!
As our family grew we became more and more frustrated, and had already pumped thousands in to doing the house up, money of which we knew we would never get back. In passing conversation someone mentioned Negative Equity, so we thought we’d give it a go, thinking that our only option would be to hand keys back and rent somewhere, an option we weren’t keen on.
From the first meeting with Bob, we began to see light at the end of the tunnel. After our first meeting with Tom, we drove straight to the building site we’d been watching in the country and put our names on our dream home!
It hasn’t been a quick process, however the whole team who have worked with us, especially Lesley in the later negotiating stages were fantastic. We own our own family home, on a repayment mortgage and our credit rating hasn’t really been hit as we continued all our payments with creditors. We managed to write off 80% of our mortgage debt which had been a noose around our necks.
Will be forever thankful to the CD Fairfield team - we honestly never thought that things could have worked out this well. It is a slow and often frustrating process, however very much worth it. Thank you!"
"We bought our house at a particularly bad time, in April 2007 and it started to lose value straight away.
To make matters worse financially, we had bought on an interest only package that we had been advised would be a good first step - as long as we changed onto a different package within two years. We were unable to make this change because the house was no longer worth what we had borrowed for it. So our situation got worse month by month, while the long term future got increasingly bleak.
We couldn’t see any way out of our situation. When we heard about Negative Equity NI we thought we might as well talk to them, but didn’t expect there was anything that could be done.
Some of what we were told initially seemed too good to be true. I think we might have been anxious about making our situation even worse by putting money into something that might not be all that it seemed. I’m happy to say Tom took the time to follow up with a long conversation with us – to explain how and why he had started the business and to deal respectfully with all of our questions and worries.
It seemed like a scary step to stop paying the mortgage. But it was a great relief too, especially when we had an organisation with such experience tell us that they would deal with our lender. We didn’t need to worry about aggressive phone calls or threatening letters anymore, because they would take care of that side of things. We could start to believe that there would be a life beyond the financial mess that we found ourselves in.
Since then Natasha and Lesley have been excellent in taking us through each step of the journey. Our case has been a long process for Negative Equity NI too – but they have never lost patience, and never been anything less than totally professional and courteous.
Having gathered and presented our financial facts Lesley managed to negotiate a 90% write off of our debt. We have recently settled with the lender with a single lump sum payment of £14,000.
I would recommend Negative Equity NI to anyone in a similar situation. It was the best money we ever spent to bring them on board, and given the length of time and the amount of input it required from their side, extremely good value for money.
Our thanks to Tom, Natasha, Lesley and the whole team."
Tackling negative equity is a very daunting experience. However, Lesley guided me through each step of the process with great care, providing regular updates on how my case was progressing and negotiating an affordable settlement. Lesley was so helpful and professional throughout our dealings."
"I went to Negative Equity UK for their support and guidance after falling victim due to the recession. The total value of negative equity I had was approx £85k after working closely with Lesley my account manager for a short period of time she successfully managed to reach a deal with our lender to settle the debt at 10% of the overall debt resulting in a final cash settlement of £8500. I cannot thank her enough for all her hard work and amazing efforts to achieve this settlement. Thanks to Lesley and the team there is light at the end of the tunnel and I can finally move in with my life. I cannot recommend Negative Equity UK enough. If you are reading this post and considering using their services don't delay I only wish I had've done it sooner! Special thanks again to Lesley I cannot begin to tell you how much this means to me what you have done for me and my family!"
"I came to negative equity n i with £88000 of negative equity they where able to get a settlement of £16500 .i can’t thank Lesley enough for all her hard work.she made everything so straight forward .i wish I had came to them sooner And would highly recommend them to anyone in similar situation.😀"
"I was very sceptical at the beginning but didn’t know where else to turn. I read an article on money supermarket and the individual said it was too good to be true. On the contrary, the result they predicted on our first meeting was delivered.
They made a very stressful process so much easier, doing all the background work; negotiating etc. And always ready to advise.
A big thank you, especially to Lesley, who appeared to have genuine interest in our plight and kept in contact throughout, never judging, just being supportive.
My £107,000 debt is now £32000. This company WILL deliver."
Before I went to Tom and the team there seemed no light at the end of the tunnel. I had a few properties in negative equity relating to previous bankruptcy and banks unnwilling to re-negotiate rate. The mortgages would be a noose around my neck forever. Tom and the team adivsed that this could be dealy with and altohugh I was sceptical I followed through and am now debt free and with a good credit record. Thanks to Tom, Lesley and all the others involved. The banks were unpleasant to deal with however the team took care of the vast majority of communication and all the negotiation.
They know who to contact and who to negotiate with- the banks would not even have the courtesy to discuss these matters with me prior to this and merely suggested I keep paying whatever they asked for."
"I went to this company who stated at my first meeting they would help me but wanted 300 pounds to obtain papers from my Building society. I told them a number of times that I did not intend to sell my house and didn't want to waste my money by a upfront payment. My adviser still said they could help. Paid the money and then attended a second meeting where I was told they couldn't help me if I didn't sell my house and that they would need a further 1500 pounds. needless to say I cut my losses. Keep your money and go to another company."
Firstly, we would like to thank you for taking the time to review your experience of our service. As is evident from our many four and five star reviews, achieving the best possible outcome for every client is our top priority, so we are sincerely sorry to hear that you are unhappy with how your case was handled.
When a client approaches us for help we provide a free initial consultation, so we can learn about the client's individual situation, explain our service and show examples of how we have resolved similar property debt problems in the past.
The next step is to conduct a detailed Case Review that results in a report of our professional recommendations based on a client’s unique circumstances and provides a strategy for moving forward. There is a £300 charge for this review. This is not an upfront payment, it is a professional fee for our Case Review service that requires detailed work to be conducted by highly-qualified members of our team.
A Case Review can recommend several strategies, many of which may include the sale of a property. But we also offer services such as Mortgage Re-negotiation, which has a £1,500 service fee. This is appropriate when a client does not want to sell a property but would prefer to stay in their home and re-negotiate the terms of their mortgage loan.
We are authorised by The Financial Conduct Authority and as such are very tightly regulated. Any client who feels that they have legitimate grounds to complain about our conduct can do so quickly and easily via the Financial Ombudsman website. The Ombudsman will impartially review the case and determine if any wrong-doing took place. If they find in a client’s favour, the client will receive a full refund of any fees paid in addition to compensation.
We hope that this reply goes some way to clearing up any misunderstanding regards our fees and services.
When a review is marked
it means Reviews.io has the additional trust signal necessary to ensure that the review is genuine. Customers reading the reviews can then use this information to help them decide which reviews are more relevant and steer them in their purchasing decisions.
If a review does not have the
label next to it, we do not have the additional information from the customer/company to verify that the review was written from the privileged user position.
Even though some reviews do not carry the
badge, it does not mean that the reviewer has no experience with the company - it just means that we could not confirm a specific purchase.
badge offers one more way to help gauge the quality and relevance of a company review.
How can I make my review "Verified"?
If we are unable to automatically verify you as a
you can email supporting documents to
so we can investigate and mark your review as
We prefer an invoice, delivery note or receipt.
When a review is marked
it means Reviews.io has NOT had the trust signals necessary to ensure that the review is genuine. Customers reading the reviews can then use this information to help them decide which reviews are more relevant and steer them in their purchasing decisions.
How can I make my review "Verified"?
If we are unable to automatically verify you as a
you can enter your email address below and we'll be in touch to verify your review.