Central Trust Limited: most-reported complaints
Automated analysis of 160 public Trustpilot reviews published 2023-01-31 to 2026-06-04. TrustScore 4.8 from 328 total reviews — see the Trustpilot page. Quick answer: is Central Trust Limited legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report issues with unhelpful support, which accounts for 50% of the identified complaints. Support being unreachable is the next most common concern, cited in 33% of the complaints. These findings are based on an analysis of 160 reviews collected between January 2023 and June 2026.
How to reach Central Trust Limited
These are the contact details Central Trust Limited publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone 01923 280020, email [email protected], address Office 1, Building 2, Axis, Rhodes Way, Watford, WD17 1AP, GB.
The company claimed its Trustpilot profile on 2020-06-22 and last replied to a negative review on 2026-04-01. Trustpilot ranks it 10 of 24 in Mortgage Lender. We last checked this profile on 2026-09-24 and found 0 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Forum footprint: 62 MoneySavingExpert forum discussions mention this company (browse). Roughly 0 of the top, relevance-sorted search results were posted in the last 90 days — an approximate figure by construction, not a true recency count. Recent thread titles: “central trust ppi”, “Central Trust second mortgage consent to let?”, “Central Trust and Firstplus”.
Elsewhere: 4.5★ on Google (0 reviews)
Ombudsman outcomes
The Financial Ombudsman Service has published 5 decisions naming this firm (too few to quote an upheld rate).
Covers decisions dated 2023-12-07 to 2026-03-31, by the acceptance-deadline date the Ombudsman publishes — not the date the complaint was decided.
Official published outcomes from the Financial Ombudsman Service, not our analysis. Uphold rates reflect the cases that reached the ombudsman, not all complaints. source.
What their policy promises
support availability: free
“Call an advisor free”
support availability: recorded
“Telephone calls are recorded for training and security purposes.”
support availability: telephone, post, email or SMS
“Contact may be made with you by telephone (calls may be recorded for training, compliance and evidential purposes), post, email or SMS messaging to help service your account.”
support availability: prompt, efficient and friendly
“You should find your dealings with us to be prompt, efficient and friendly.”
Quoted verbatim from the company’s own published policy (source page); complaint counts are census classifications. As of 2026-09-13.
Policy-page monitoring
We monitor this company’s published policy page for changes. 1 change detected since we started watching on 2026-09-01:
- 2026-09-15: +4/-4 lines; added: Credit searches: the borrower | Credit reporting: the borrower; removed: Credit searches: The Borrower | Credit reporting: The Borrower (snapshot)
Automated change detection on the company’s own published policy page — a record of when the page changed, not a judgement on what changed.
18% of its 150 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: support unhelpful makes up 50% of this company’s complaints vs a 28% median across 169 ranked companies in its sector.
Review velocity: 37 of this company’s 328 Trustpilot reviews (11%) were written in the last 12 months.
Not enough reviews to establish a trend.
What are the most common complaints about Central Trust Limited?
Support unhelpful
3 reports · 50% of complaints“charging an extra £3k over the initial illustration that entices you in.”
The company replied on 2024-08-01: “Thanks for your feedback, we pride ourselves on being a responsible lender and undertake the necessary steps to ensure that is the case. I am sorry that you felt the process took longer than you…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“I found it very hostile and stressful.”
The company replied on 2025-12-01: “Thank you for your feedback. I am sorry that you feel your journey with us was not as you expected, i have arranged for a manager to call you but without success. It would be really good to…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
“it’s like you can’t produce enough documents for them and just wasting my time”
The company replied on 2024-05-20: “Good Morning, We have no record of you making an application with Central Trust Limited? you may have left a review for the wrong company? Please let me know if i can help in any way? Kind Regards…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
Support unreachable
2 reports · 33% of complaints“After initial assessment they stoped replying on my emails.”
The company replied on 2026-04-01: “Hello, Thanks for your feedback, i am really sorry you have had a poor experience. I can assure you your experience will be investigated and i apologise for the poor service you received.”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“delay and lack off communication from the Solicitors that they instructed”
The company replied on 2025-02-12: “Thanks for the honest feedback, we appreciate you taking the time to share this information with us and we will work on improving this area.”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
Compare Central Trust Limited with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-08-12.