Can't quite believe it. I seen an ad online somewhere mentioning about mortgage payments being miss calculated. I'd never even heard of this but thought I'd try. Turns out, 15 years of overpaying... See more
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SCAM SCAM SCAM i paid £150 to Vanessa and then they wanted more money. Told lie after lie, moved office's staff leaving ,waiting for info you name it they made it up.Then emails rebou... See more
...so another claims management company sets up with suspected fake reviews....they called me today asking me to give hem info and this will include ID and proof of address (right!) You don't get... See more
Spoke at length with Calum Smith and Vanessa Laithwaite (as "Night Owl") over a couple of years.... I paid fees. My follow up enquiries were met with months and months of "just be patient" and the... See more
Company details
Information provided by various external sources
We have specialised in the financial claim area for a number of years and currently are dealing with thousands of clients who have been overcharged by their lender or mis-sold by their broker. We offer a FREE check service to see if you have a refund due. This requires you to provide us with your contact information and some basic information regarding your mortgage. We will then ask you to sign a letter of authority, this enables us to acquire certain documents from your lender. Once we receive these documents we can then begin to audit the mortgage and see how much you could be owed. This can be done yourself by contacting your lender directly but we like to think that our software offers a quicker and more accurate alternative. If we do find an error in the payments taken by your lender or an unknown mis-sale that has occurred by your broker (or both) then we will give you the option to use one of our panel solicitors to start the refund progress on your behalf. The process takes an average of 3 weeks from when you initially contact us to see if you could be due a refund.
Contact info
18-22 Lloyds House, Lloyds Street, M25WA, Manchester, United Kingdom
- 0161 249 7561
- Info@mymortgagerefund.co.uk
- mymortgagerefund.co.uk
It's a scam Avoid the individuals known Vanessa…
Avoid the individuals known Vanessa laithwaite or Vanessa Smith and Callum Smith or Calum laithwaite are professional fraudsters, they create fake companies and take people's money without providing any services, they stole one thousand pounds from me using a company called buzz work and have been reported to action fraud by many many people please avoid them
If I could put 0 as a star I would
If I could put 0 as a star I would. These two take the mick. Do not trust, do not engage, do not waste your time. SCAMMERS
I was offered a position as the…
I was offered a position as the Marketing Director at Buzzwork Digital in Wetherby, under the recruitment of Callum Smith and Vanessa Laithewaite in June. The application process was unusual, as they did not request any application details or provide information regarding wage procedures after accepting the job offer. This initial discrepancy raised a red flag.
Upon joining the company, located at 5 Cromwell Park, York Road, York Road Industrial Estate, Wetherby, West Yorkshire, United Kingdom, LS22 7SU, I observed several alarming signs from the very first day. They maintained over 10 bank accounts and frequently transferred funds between them. Moreover, they managed to accumulate over £120,000 from clients within a month, promising marketing services that were never delivered. The lack of structure, processes, and a genuine commitment to fulfilling their obligations further confirmed my concerns.
On my second day at work, I experienced a strong sense of unease, which was later reinforced when I received a Facebook message from a former client who had fallen victim to their fraudulent activities.
This revelation prompted my decision to resign on the morning of the third day. Unfortunately, when I informed Callum of my resignation, his reaction revealed his true character, as he did not take the news well. Vanessa assured me that I would be compensated for the two days worked at the end of the month. However, I have yet to receive any payment, and my attempts to communicate with them have been blocked.
For reference, Callum can be contacted at 07375952720
Their address is Cromwell Park, York Road, York Road Industrial Estate, Wetherby, West Yorkshire, United Kingdom, LS22 7SU
I got such a lucky escape resigning after day 2, i can imagine the trap i would have fallen into and most likely not get a salary
10.10.2022 took my money and i have…
10.10.2022 took my money and i have heard nothing since phone number not working emails bounce back
SCAM SCAM SCAM PLAYING ON THE VONERABLE
SCAM SCAM SCAM
SCAM SCAM SCAM
i paid £150 to Vanessa and then they wanted more money.
Told lie after lie, moved office's staff leaving ,waiting for info you name it they made it up.Then emails rebound no answer to calls answerphone only, Name change's
These 2 people Need Prosecuting
Vanessa Laithwaite & Callum Laithewaite or smith depending on day .
New company names
Nightowlmortgage refunds
Mymortgagerefund and guessing many more
They use facebook and other social media to draw you in, have created websites to match
i have contact the Police Fraud department also.
Trading standards also notified as well
SCAM SCAM SCAM
These two are scammers
These two are scammers . Don't believe a word they say
They are scammers do not use!
Calum Smith and Vanessa Laithwaite
Spoke at length with Calum Smith and Vanessa Laithwaite (as "Night Owl") over a couple of years.... I paid fees.
My follow up enquiries were met with months and months of "just be patient" and then their phone numbers went dead.... they've moved from Malton and no longer responding.... and have a new trading name changing again from "mymortgagerefund" to "Therefundcompany" and now supposedly based in The Pinnacle, Albion Street, Leeds. LS1 5AA (which is a Regus "rent a desk" office)
They appear to take the money and run....
I have contact history from 2020 to 2022.... nothing for 4 months!
This is a complete scam with very fake…
This is a complete scam with very fake reviews, they are a reincarnation of Night Owl Capital which used to work out of Malton, N Yorks. Do not give them a penny you will never see it again!
I have a current interest only mortgage…
I have a current interest only mortgage claim and I have got to say that the service they have provided so far is first class as they have kept me up to date and make me valued as a customer and has been a complete stress free service and I would highly recommend them should anyone have an enquiry about a mortgage
...so another claims management company…
...so another claims management company sets up with suspected fake reviews....they called me today asking me to give hem info and this will include ID and proof of address (right!)
You don't get 'over charged' on your mortgage..you either take a deal or sit on variable rate, neither is an 'overcharged' situation. If you want a better rate than all you have to do is speak to the lender or a broker and its sorted...especially with current rates so low!
Claims of £30000 or £47000 are literally unbelievable in my opinion, I'd love to see the evidence as £47000 is a lot of over charged interest no matter how many years it might be for (or its a very large mortgage).
What a suprise
Can't quite believe it. I seen an ad online somewhere mentioning about mortgage payments being miss calculated. I'd never even heard of this but thought I'd try.
Turns out, 15 years of overpaying and on top I was miss sold in the first place. I got back over £47,000!!
Literally my life changed in one afternoon filling in some silly form. I'm also angry at having things miss calculated in the first place. 2 neighbours are going through the process now after heraring my news. Couldn't be happier.
The interest on my mortgage had been…
The interest on my mortgage had been wrongly calculated for the last 18years thanks for all your help in recovering my money

Reply from Mymortgagerefund
Brilliant from start to finish
Explained the process really well, did all the hard work for me. Kept me updated the whole way through. Delighted with the outcome have recommended to everyone I know !
Thanks again

Reply from Mymortgagerefund
Christmas came early
When I heard about receiving a refund on my mortgage for being mis-sold I was very sceptical. After speaking to the team they handled my claim and a few months later I received a refund for my overpayments of over £20k!

Reply from Mymortgagerefund
Brilliant service
Brilliant service - I rarely leave feedback but after receiving nearly £30k I wanted to say thank you so much, this has changed my life.
Couldn’t have been easier.
THANK YOU THANK YOU THANK YOU

Reply from Mymortgagerefund
Honest, objective and clear
Honest, objective and clear advice and they really supported me through the process.

Reply from Mymortgagerefund
Excellent
Excellent, friendly and straight talking. Would highly recommend.

Reply from Mymortgagerefund
Outstanding Service!
Very knowledgeable and very thorough with their approach. Thanks again!

Reply from Mymortgagerefund
clear and simple advice seems like…
clear and simple advice seems like these guys have done there homework on this one tried speaking with my lender who didn't want to know would recommend

Reply from Mymortgagerefund
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