What sort of accountant can certify accounts??

Hello everyone,

I was wondering if you could help me. Ive applied for a mortgage but the lender has come back saying that the accountants certification isnt acceptable, because they have only passed the exams but haven't completed the ACCA’s practical experience requirements. They now wont except the certified accounts, and ive been charged by the accountant for the privilege!

Can they be certify peoples accounts without the practical experience requirements? Ive also found out that they are not registered accountants.

Your help would be much appreciated!
Thanks
Jon