Contact us - Morag

Contact us for help and support

 

Customers can get in touch with us by secure online message, phone or post. All our contact details are below. You can also read all about our new virtual assistant.

If you’ve recently received a call, text or voice message from us and are concerned if this is genuine, we’ve included some information below about how we may go about contacting you in this way.

For solicitors or conveyancers, please see our dedicated page for more information about the best way to get in touch, depending on the nature of your query or request.

Check out the information on our website

There is a wide range of information on our website which may be helpful for you. We regularly review and update the content, so please take a look.

All the key pages are listed in the drop-down menus at the top of the site. You can also search for topics of interest, use our helpful tools and sign in to our online Self-Serve system.

How to contact us

Self-Serve is our secure online mortgage service, which is available 24 hours a day, 7 days a week.

If your query isn’t urgent, it’s easy to sign in and send us a secure message about a wide variety of topics. If you need a response, we’ll aim to reply within two working days.

Wherever possible, we’ll reply to you by secure message, and you can choose to be notified by text message when we’ve replied.

See our handy step-by-step guide on how to send a secure message below.

You can also use Self-Serve to find key information about your account and carry out many tasks online, without having to call or write to us. Find out more here.

You can write to us at the following address:

Morag Finance
Gargrave Road
Skipton
BD23 2HL

Please remember to include your name, address and account number in any letters you send.

Solicitors and conveyancers – please see our dedicated page for more information about the best way to get in touch, depending on the nature of your query or request.

Please call us on 0370 707 1213.

For all general enquiries, we’re open Monday to Friday from 9am to 5pm.

For customers having payment difficulties, we’re open Monday to Friday from 8:30am to 8pm, and on Saturday from 9am to 1pm.

Please note – charges for calling 03 numbers are the same as for calls made to standard UK landline phone numbers starting 01 or 02 and are also included in bundled minutes and unlimited call packages. Calls may be recorded for monitoring and training purposes.

If you’re worried about making your monthly mortgage payments or are already struggling, please call us and we’ll try to help. Simply talking to us won’t affect your credit file – and the sooner you get in touch the better, as there are often more ways we can help.

If you have a speech or hearing impairment you may wish to consider using the Relay UK service. You don’t need any special kit, just download the free Relay UK app and link it to your phone number. You can use the service on a compatible smartphone, tablet or PC and will need an internet connection.  You can also still use a traditional textphone. You can find out more at Relay UK  and our Accessibility page.

If you’re calling us from abroad add 0044 to our number and remove the first zero. For example 0044 370 xxx xxxx.

Solicitors and conveyancers – please see our dedicated page for more information about the best way to get in touch, depending on the nature of your query or request.

If something has gone wrong and you want to make a complaint, we’ll do our best to resolve this promptly and fairly.

See how to make a complaint here.

If you’ve got any questions about your mortgage – our new virtual assistant is here to help.

Our virtual assistant can give you general information about a whole range of topics, including:

  • How to view details of your account online
  • Completing an income and expenditure form
  • Paying off (redeeming) your mortgage in full
  • How to make a payment or overpayment to us
  • Our bank details to use when making a payment
  • Making changes to your mortgage

The virtual assistant is available 24/7 and anyone can use it. So whatever help you’re looking for, this could be a quick and easy way to find the information you need.

 

How to use the virtual assistant

Simply click on the small button that’ll appear in the bottom right corner of every page on our website.

You can then start a conversation by asking a question, or by selecting one of the in-built options.

If you’re entering a question, it’s best to keep things short and simple. You can try rephrasing your question if you don’t see the results you’re expecting.

Open the virtual assistant now >

Please note – the virtual assistant tool will only display and work correctly if you’ve enabled statistics cookies on this website. You can check or change your preferences on our cookies page.

When using the virtual assistant, please don’t give any personal details, such as your name, address or account number, or any other sensitive personal information. You can see how we handle your data on our privacy page.

Using secure messages in Self-Serve

Self-Serve is our secure online mortgage service, which is available 24 hours a day, 7 days a week.

If your query isn’t urgent, it’s easy to sign in and send us a secure message about a wide variety of topics. If you need a response, we’ll aim to reply within two working days. Wherever possible, we’ll reply to you by secure message, and you can choose to be notified by text message when we’ve replied.

Other ways to use Self-Serve

You can also use Self-Serve to find key information about your account and carry out many tasks online, without having to call or write to us:

  • Check your monthly payment details, see recent payments made and the total amount you currently owe
  • See your remaining term, current interest rate and repayment type
  • Find details of your new payment amount, if this is going to change due to an interest rate change
  • Make monthly debit card payments quickly and securely
  • Check and update your contact or correspondence details
  • Make a lump sum overpayment
  • Request account information from us, such as a redemption statement.

Find out more – see more details about using Self-Serve here, or see how you can use the system to find out information about your account.

Sign in now – if you’ve already registered on Self-Serve, you can sign in to your account at any time, from any device.

Register now – to use Self-Serve for the first time, you’ll need to register and create your secure account.

Interactive text and voice messages

When we need to tell you something important about your account, to make sure that we get the details to you quickly, we may send a text message or call you. To make it easier for you to respond, we sometimes use interactive text and voice messages, which allow you to send a direct reply. This means that you won’t always need to call us and wait to speak to an agent, and you can also reply at a time that suits you. 

When we send you an interactive message, we’ll ask you to verify your identity by responding with your date of birth. Once we’ve confirmed it’s you, we’ll send you further messages about what we need to tell you. We’ll also prompt you to reply to options we present to you by pressing numbers on your phone keypad. 

The only personal details we’ll ever ask you for in an interactive message are your date of birth. We’ll never ask you for any other personal information.

We’ll also never ask you for debit card details in an interactive message, or any other personal or financial information. If you’re worried that any message that you receive isn’t from us, please call us and we’ll confirm that it’s genuine.


How to look out for typical phishing indicators

Phishing is when fraudsters try to trick you into revealing personal information. Don’t take the bait! Cybercriminals and fraudsters love to entice us with fake emails and social media posts as well as text messages and voice calls. All with the goal of luring you to provide personal information. 

Take a moment to look for any red flags that may indicate the message is potentially fake. Consider questions such as: 

  • Were you expecting the message? 
  • Is the language urgent, alarming, or threatening? 
  • Is the sender requesting financial or login information? 
  • Is there anything unusual or out of the ordinary about the message? 
  • Is the greeting very generic? 
  • Is it poorly crafted with poor spelling and bad grammar? 
  • Does it contain an offer that’s too good to be true? 

If you notice anything suspicious about a message appearing to be from us, please call us to report it. Especially if you have responded to the message with personal or financial information. 

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