I have been trying to pay off my loan for almost 3 months. Help to buy has been the absolute worst service. It's very difficult to get through to anyone without being on hold for about an hour.

They keep causing delays in my repayment. They say they emailed me documents but when I said I haven't received them despite them apparently emailing again they wouldn't confirm if they would post them out.

I have a right to my documents and my solicitor can't send a letter of undertaking without those documents so how can I pay off my loan.

I sent complaints which the team upheld however I was advised I'd be refunded the interest charged as it was help to buys delays. I never actually received the refund.

They are now also saying my valuation runs out soon and I might need another. Again this is due to their own delays.

This whole process is so stressful and costing more money.