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Philippa H

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Review of the Birmingham Midshires, Easy Access Account:

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Unethical, evil behaviour

My dad had a mortgage with them before he passed away. The property has the same unsafe cladding as Grenfell, resulting in being unable to sell the property until the work is carried out, which is due to start this year. BM failed to inform us of multiple rate increases which meant the payments we made did not cover the new monthly payment. We were unaware of this for over 5 months. Then instead of apologising for their error and working with us, they tried to repossess the property and add thousands in fees to the account. Their complaints handler just repeadly ignored my request for information on the ombudsman, the legal action, the process of how they deal with a deceased estate with unsafe cladding and how to resolve this situation. Despite there being no money in my father's estate to clear the arrears until the property is sold (again this request ignored) I was told to set up a payment plan out of my own pocket. After fighting and having to explain it is not my bill, I finally give in from the stress and rang to set up a payment plan to be told you can not set up a payment plan on a deceased estate. When asked how do I stop the legal action then, I was told I dont know! The complaint handler was then asked to get in touch with me to tell me how to stop this action. She decided not to bother and wrote and update on the complaint saying no new points raised, no further action needed. The mortgage term is ending soon, I have also asked what happens when it come to an end. Susan, the same complaint handler responded with I dont know, we will cross the bridge when it comes to it. Reviewed on: 22nd September 2025

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