Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
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  1. 25th June 2006 14:56 #1
    PerfectPeace PerfectPeace is offline
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    Default Mortgage arrears

    My situation is different. Due to financial difficulties my mortgageicon has about a year's worth of arrears. I am actually selling my home before it's repossessed. The mortgageicon company (which is not a high street bank) have charged £65 for every month payment was not made in full plus several £100 for sending out a "debt advisor" to visit me. Naturally I agree to pay back the mortgage and arrears but do I have to pay all the added charges? Thank you.

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  2. 25th June 2006 21:49 #2
    caro caro is offline
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    Default Re: Mortgage arrears

    Was the £65 for a service that they provided or was it a penalty for paying late? Did they manually do anything to justify the charge? If not then it seems to me that it is unlawful.

    I guess the debt advisor could have been a service, but did you have a choice in this? You could have got debt advise for free from a debt advisory service. What service did they provide for the £100?

    Most people here are claiming back charges, but you are talking about not paying them in the first place, which is a different matter. You could consider paying them if you have to and then claiming them back later, but this is just a suggestion.

    I hope this is of some help at least.

    Fed up with bank charges?
    Email your MP TODAY!!!

    Sign the Petition

    When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.

    END LEGAL LOAN SHARKING
    SIGN THE PETITION TODAY



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    Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE