Here for you, when you need us
We believe managing your mortgage should be straightforward. Please view our useful information section below. If there is anything else we can help you with our friendly team are just a phone call away.
Our primary method of collecting your repayments is by standing order. If this is not the best method for you then you can make repayments in the following ways:
• Make a payment online via our secure payment system
• Pay via your internet banking, quoting your Loan Agreement Number
Our bank details are:
Lesley, Stephen & Co. Limited
Sort code: 23-05-80
Account number: 18908506
• Call 01225 436 760 to speak with us and make a payment over the phone
• By cheque payable to Lesley, Stephen & Co. Limited and posted to:
Lesley, Stephen & Co. Limited
The Media Centre
7 Northumberland Street
Please remember to quote your Loan Agreement Number on all methods of payment to make sure the money is applied to your account.
If you are struggling to make your monthly payments because your income has been affected by Coronavirus, you can request a payment holiday.
Email us at firstname.lastname@example.org and ask for an application form.
- A mortgage payment holiday (if you are eligible) means if you are suffering financial difficulties due to the Coronavirus outbreak we would let you temporarily stop or reduce your monthly repayments for up to 3 months at a time (6 months in total)
- It won’t be free money which means that you are still liable for these payments and they will have to be met at some point in the future
- Interest will still accrue during the payment holiday and any accrued interest will be added to your mortgage; this increases the total amount you will repay
- Your Lesley Stephen mortgage is a Priority Debt secured on your property which must be paid in preference to Non-priority Debt such as credit cards and unsecured personal loans (see www.moneyadviceservice.org.uk/en/articles/how-to-prioritise-your-debts)
- To catch up on deferred payments your monthly repayments may increase after the payment holiday has ended, or the term of the mortgage may be lengthened. If this happens you could pay more over the lifetime of the mortgage compared to an alternative means of repaying these amounts, such as in a lump sum.
- While a worsening status will not be reported to your credit file in respect of any payment holiday taken, lenders may take into account other information when making future lending decisions, including, for example, information provided by applicants or bank account information
For further information please visit
We are required to send you statements at certain intervals throughout the life of your mortgage.
This is issued to you 12 months after your loan is taken out and every 12 months thereafter.
The statement includes all payments made as well as any charges and third party costs that have been applied to your account during the 12 month period of the statement. It also includes the interest charged during the period as well as a running balance so that you can see how much capital you have repaid during the period of the statement.
Notice of Arrears
We are required to send you a Notice of Arrears when you are two months’ in arrears. The Notice includes details of your arrears, other account information and an information sheet that provides details of your rights and where you can get help.
We may send you a follow up Notice should your account remain in arrears. If you require any further information regarding the information we provide to you, please do not hesitate to contact us by email email@example.com, phone 01225 436 760 or post.
We understand that circumstances can change from the time you originally applied for your loan and that some people for whatever reason may fall into financial difficulties. Please view our Financial Difficulties download for information on how we may be able to help you.
Financial Ombudsman Service
The Financial Ombudsman Service adjudicates between borrowers and lenders or intermediaries where there is a dispute.
Financial Conduct Authority (FCA)
The FCA regulate the financial services industry in the UK.
Citizens Advice Bureau, National network offering free advice and help, especially on debt problems.
The Money Advice Service
Free and impartial money advice, set up by the government.