Secret commission and mortgage mis-selling claims

Mortgage Mis-selling


What is a mortgage mis-selling claim?

There are many ways in which mortgages can be mis-sold. We consider claims which fit our in-house mis-selling criteria to try and get compensation for you from your lender. We are able to take cases where the mortgage you feel may have been mis-sold is a first-charge mortgage on your own home from after 2004, which was/has been live for more than six years, and which falls into one of these criteria:

  1. Interest-only with no clear way of paying it off at the end of the term;
  2. Used to pay off unsecured debts;
  3. The mortgage is due to end after your planned retirement date.

If you have a mortgage which you think may have been mis-sold to you by a broker, get in touch at


Secret Commission


What is a secret commission claim?

From the late 1990s to 2009, it was common practice for sub-prime lenders – such as Blemain, Kensington and Southern Pacific – to pay mortgage brokers a commission payment on top of the fee paid by customers. This was usually not revealed to borrowers because borrowers understandably expected their brokers to give them independent advice. If your broker was paid a secret commission, you were probably not given the best deal for you at the time.

In the case Wilson v Hurstanger in 2007, the courts ruled that secret commission payments were unfair because they were not disclosed to borrowers. The judge ruled that the client should receive compensation. This case means CRS can make a claim on your behalf and potentially get you compensation too.

Is secret commission the only thing I can get compensation for?

No. We can also challenge lenders on bad practices such as harassment, excessive fees and irresponsible lending. In other words: it’s worth letting us check your paperwork to see if there is anything you could be due. If you have had any difficulty paying back your mortgage or loan, or it seemed very expensive, then we might be able to help.

Am I eligible for a claim?

If you took out a mortgage or loan with a sub-prime lender before 2009, you may be eligible for a secret commission claim (e.g. Blemain, Kensington, Southern Pacific, GE Money, GMAC and any other sub-prime lender). If you’re not sure whether your lender was ‘sub-prime’ or not, we can check for you on a quick call with one of our advisers (call us on 0330 6351780).

You may also be eligible for a financial mis-selling claim if any lender lent you an interest-only mortgage, if you used your mortgage to consolidate other debts (e.g. credit cards), or if you were sold a mortgage that was due to end after your planned retirement date.

What will happen if I sign up, and do you charge a fee?

CRS will apply for your documents from your lender(s) via what is known as a Data Subject Access Request (DSAR). To do this, we ask for a ‘Letter of Authority’ and a Conditional Fee Agreement, which signs you up to our no-win no-fee terms..

How much could I be due?

You could be due anything from a few thousand to tens of thousands of pounds in compensation, depending when you took out your loan, how it was sold and enforced, and when it was redeemed. One of our panel law firms has claimed back an average £15,000 for clients who have an eligible claim.

How long will it all take?

Since secret commission claims can be quite complex, these are not fast turnaround cases and may take up to 18 months to complete, but you can get regular updates from us, and all you need to do initially is to sign up with our Letter of Authority and we will check within a 2-3 whether we believe your case has merit.

Where can I get signed up?

Drop us an email at or give us a call on 0333 3443211 for more information and to see if you are eligible.