Rooftop MortgagesPublic Complaints & Decisions Archive

Practical

Evidence Checklist

A guide to ensuring you have all of the evidence you will require to properly defend yourself in the event of repossession threats by Rooftop Mortgages

Do this before anything else

This is the highest-value hour in the whole process and carries no risk. Gaps in the file tell you what to request — and which tool to use: a subject access request for personal data, an ordinary written request for documents.

What to collect

  • Mortgage offer, mortgage deed and the mortgage conditions in force at completion.
  • Official copy of the register of title, and any filed charge document.
  • Annual statements and arrears statements for the whole period in dispute.
  • The full transaction history, not a summary.
  • Every letter received, in date order, including envelopes where posting is disputed.
  • Every letter and email you sent, with proof of sending.
  • Notes of every call, made at the time: date, time, who you spoke to, what was said.
  • The tariff of charges in force at each date a fee was applied.
  • Invoices or fee notes for any third-party cost charged to the account.
  • Any receiver appointment document, and correspondence from any receiver or agent.
  • Marketing particulars, EPC, offers and agent correspondence if a sale is involved.
  • Complaint correspondence and any final response letter.
  • Your subject access response, once received.

Chronology

One row per event. Keep it factual and dated; opinion belongs in the complaint, not here.

  • Date
  • Who contacted whom
  • Channel (letter / call / email)
  • Document reference
  • What was asked
  • What was answered
  • Fee added (£)
  • Payment made (£)
  • Proposal made
  • Deadline given
  • Outcome

Copy this into a spreadsheet:

Date,Who contacted whom,Channel (letter / call / email),Document reference,What was asked,What was answered,Fee added (£),Payment made (£),Proposal made,Deadline given,Outcome
2026-01-14,Me to lender,Letter,D-01,Itemised fee breakdown requested,No reply,,,,28 days,No reply received
2026-02-02,Lender to me,Letter,D-02,,Standard arrears letter,145.00,,,,Fee added without explanation

Evidence index

Number every document once and use that number everywhere else.

  • No.
  • Date of document
  • Description
  • Source (who produced it)
  • What it proves
  • Referred to in chronology entry

Copy this into a spreadsheet:

No.,Date of document,Description,Source (who produced it),What it proves,Referred to in chronology entry
D-01,2026-01-14,My letter requesting itemised fee breakdown,Me,That the request was made and when,Entry 1
D-02,2026-02-02,Arrears letter adding £145 charge,Lender,That the charge was applied after the request,Entry 2

How the file gets used

  • In a complaint: numbered issues, each pointing to an evidence number and a date.
  • With the Ombudsman: the chronology becomes the "what happened" section and the index becomes the enclosures list.
  • Before any court step: the gaps in the index are the documents you can show were requested and not provided.

Next: the evidence file playbook and the example letters.