Thread: zaba1 / Bank of Scotland on ERC

Hello ,

I have been redirected here by a member. Thanks !
I have just sold my house and am subject to an ERC in breech of my 2 years tracker mortgage with Bank of Scotland
The amount is 5125 + 245 for admin fees .

I am really looking forward and confident after reading lots of post here that this amount is considered a penalty and there unlawful .

Will the bank take the money directly from the mortgage balance or will I receive a separate invoice ?

I have also read the ZOOT file and the associated letters and am ready to fight !

Thanks for all your support in advance . A contribution will be paid to the site after winning the case .

Best Regards to all

zaba1

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Originally Posted by zaba1

Hello ,

I have been redirected here by a member. Thanks !
I have just sold my house and am subject to an ERC in breech of my 2 years tracker mortgage with Bank of Scotland
The amount is 5125 + 245 for admin fees .

I am really looking forward and confident after reading lots of post here that this amount is considered a penalty and there unlawful .

Will the bank take the money directly from the mortgage balance or will I receive a separate invoice ?

I have also read the ZOOT file and the associated letters and am ready to fight !

Thanks for all your support in advance . A contribution will be paid to the site after winning the case .

Best Regards to all

zaba1

I beleive a case as just been decided in the High Court on ERCs unfortunately it went the banks way.

This needs to be confirmed.

I am still gonna use Zoot original letters in hope of a proposal from Bank of Scotland ....who knows ...
Worth trying getting explanations and putting some pressure with an lba...
do not think I will go any further ....

what do you think ?

zaba1