The couple believe they have paid about £1,200 a month in extra interest between 2006 and 2023, and would have paid far less if they had been allowed to swap rates.
Last year, Mr and Mrs Fleming’s home was repossessed after their mortgage term came to an end and they were unable to pay off the final £200,000 loan.
“It was the worst day of my life,” said Mrs Fleming. “We’d had the house all these years and done loads to it and that happened.
“It was heartbreaking.
“As soon as I wake up, it’s on my mind. Leaving the house, the way it went, the way they swarmed in. It was horrible.”
A report, funded by financial expert Martin Lewis, claims the government made £2.4bn by selling mortgages from collapsed lenders to investment firms.
The Treasury has told the BBC: “This Government recognises the challenges that mortgage borrowers who are unable to switch to a new mortgage deal face.
“That is why we will work with regulators and the industry to ensure this issue is properly addressed.”
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