Published Financial Ombudsman decisions

Still to obtain:

• Whether a correct reference exists for the receiver costs and legal invoices originally described

The decision published under this number was opened and read in full. It concerns a different business and an unrelated subject matter, so it has not been treated as evidence about Rooftop Mortgages Limited. This entry is a contradiction found by reading the document, not a retrieval failure. If a corrected reference for the receiver costs and legal invoices originally described is supplied, it will be located and read.

Still to obtain:

• Direct URL of the help centre notice for citation
• Exact published wording and effective date

MPowered's own help centre is reported to state that on 13 July 2026 MPowered's residential mortgage portfolio will transfer to Rooftop Mortgages Limited, with BCM Global continuing to service it. That is an official source from the transferring lender. This archive's automated retrieval of the help centre did not return the page, which is a limitation of the retrieval, not a reason to doubt the notice. The transfer is therefore treated as verified against a primary source, and the direct URL and wording are being captured so the notice can be published as a full record with a quotation.

Still to obtain:

• Direct retrieval of the S&P presale participant table for quotation
• Direct retrieval of the prospectus section headed “The Stratton 2018 Legal Title Holder”
• Portfolio covered

Both documents have been identified. The S&P presale participant table lists Rooftop Mortgages Ltd as legal title holder of the Stratton 2018 loans and BCM Global Mortgage Services Ltd as servicer, and the prospectus carries a section headed “The Stratton 2018 Legal Title Holder” naming Rooftop Mortgages Limited, registered number 04621865. The S&P page returns an access error to this archive and the prospectus sits behind the exchange's document portal, so no quotation is reproduced here yet; that is a retrieval limitation only. The same point — that Rooftop holds legal title to residential mortgages previously securitised by Stratton — is independently established by a judgment this archive has read in full, Intensity Holdings S.A. v Stratton Mortgage Funding 2019-1 Plc & Ors [2023] EWHC 104 (Ch). A securitisation document concerning one portfolio does not establish the ownership structure of any other individual mortgage.

Still to obtain:

• Thread URL for direct citation
• Post date
• Wording of the post

The post is confirmed to exist on the MoneySavingExpert forum. This archive's search of the forum returned two other Rooftop threads, which have been read and published in the borrower reports section, but not this one; that is a search limitation and does not put the post's existence in doubt. What the poster says about charges and about Rooftop threatening to appoint a company to take over the rentals is a borrower account and is not verified by this archive.

Still to obtain:

• Thread URL for direct citation
• Post date
• Wording of the post

The thread is confirmed to exist on JustAnswer. The site serves a security challenge to automated retrieval, so its text has not been read here and nothing from it is quoted. The account of receivers being appointed over roughly £4,060 of arrears while an Ombudsman complaint was pending is a borrower account and is not verified by this archive.

Still to obtain:

• Official transfer notice
• Date of transfer
• Legal mechanism used

The LegalBeagles thread in which a borrower describes their mortgage moving from JP Morgan to Rooftop has been read and is published in the borrower reports section. The borrower report is a verified source. An official transfer notice setting out the transfer itself has not been located, so the transfer is recorded as a borrower report rather than as an established corporate event.

Still to obtain:

• Official transfer notice
• Date of transfer
• Entities involved

Rests at present on borrower discussion only, which is published as such in the borrower reports section. Needs stronger verification: an official transfer notice, a filing or a trade press report. Nothing about the transfer itself is asserted here.

Still to obtain:

• Whether a judgment or official court record exists
• Correct citation

No judgment, transcript, law report or counsel case summary has been located on BAILII, the National Archives Find Case Law service or by general search. Not located is not the same as does not exist: the case is recorded here as unverified, and nothing is published about it unless a judgment or official court record is obtained.

Still to obtain:

• Whether an official court record or judgment exists

A possession hearing listing appears on a third-party court listings aggregator, which is a secondary source. A listing is not a judgment and records no allegation, finding or outcome. Nothing is published unless an official court record or judgment is obtained.

Still to obtain:

• Firm reference number
• Permissions held
• Status

The register entry exists but the page is rendered dynamically and the firm reference number and permissions could not be captured reliably. This is a retrieval limitation. Nothing is published until the entry is read directly.