Landy v C&G mortgage charges ***WON***

**landy_alert** · 15th December 2009 15:33

Hi everyone

It's a bit late to be starting a thread on this as I've already received notification that Cheltenham & Gloucester intend to uphold my complaint, but as it's a success story I thought I should do so anyway!

Mr Landy and I had a mortgage icon

with C&G which we repaid in full when we sold our previous property in 2007. We had experienced some financial problems at one stage during the three years we had the mortgage icon

and had run up a couple of hundred pounds worth of late payment charges.

In August this year I wrote C&G a letter requesting a refund of those charges and initially received a 'we don't believe our charges are unfair' type response, although C&G said that if we weren't happy with this answer I should contact them again and they would do their best to reach an agreement with me.

I duly wrote again and have just heard that despite their insistance that the charges were fully justified, they are prepared to offer the full amount claimed, which included contractual interest icon

plus a further 8% simple interest, totalling about £450

As C&G are part of ltsb icon

who are notoriously hard to beat, I am unsurprisingly very pleased with this result - it may only be small, but it's the principle of the matter!

At this stage I have only just returned the acceptance form, but once the cheque is received and it has cleared I will post up again and this thread title can be changed to 'won'

Regards,

Landy x

**enamae** · 15th December 2009 15:53

Well Done landy_alert.Great result.

enamae

**landy_alert** · 15th December 2009 17:51

Originally Posted by enamae

Well Done landy_alert.Great result.

enamae

Thanks Enamae

I can't believe how painless an experience this actually was, especially as I'm going through a similar process with Swift Advances, who have no intention of playing ball

Regards,

Landy x

**landy_alert** · 7th January 2010 12:58

Hi everyone

Cheque from C&G received today and paid into bank

It just goes to show how in some cases you can get these mortgage icon

charges refunded without too much hassle. In this case it took 4 letters and 4 months from preliminary request to receiving the cheque.

Hopefully this will give inspiration and encouragement to other Caggers!

Landy x

**labasblue** · 13th January 2010 23:38

Hi Landy

Great news that you got your money back.

I am new to this and have been reading about mortgage icon

exit fees also with C&G I have 2 old statements that also show the charges but I don't have my account closure statement that I payed off 3years ago.

I have read that you can get the exit fee refunded if it is a (MEAR) or similar. I have a charge of £225.00 listed as (Aclosing administration charge) would you know if this is one in the same or not. Also is it the same process for reclaiming missed payment charges for a mortgage icon

as it is a bank account.

Any advice greatly appreciated.

Laasblue

**landy_alert** · 14th January 2010 12:19

Originally Posted by labasblue

Hi Landy

Great news that you got your money back.

I am new to this and have been reading about mortgage icon

exit fees also with C&G I have 2 old statements that also show the charges but I don't have my account closure statement that I payed off 3years ago.

I have read that you can get the exit fee refunded if it is a (MEAR) or similar. I have a charge of £225.00 listed as (Aclosing administration charge) would you know if this is one in the same or not. Also is it the same process for reclaiming missed payment charges for a mortgage icon

as it is a bank account.

Any advice greatly appreciated.

Laasblue

Hi Labasblue

Thank you!

I'm not sure to be honest whether the closing admin icon

charge is the same as a MEAR. We also had one of those but didn't reclaim it, so I can't be much help there I'm afraid.

The method of reclaiming the other charges (late fees/missed payments etc) was exactly the same as that used for bank charges - I just adapted a template letter accordingly, added a spreadsheet showing the charges plus interest icon

and sent it off recorded delivery to C&G.

Do you have a thread for this? If you give me a link I'll be able to follow your progress and may be able to advise further.

Good Luck!

Landy x

**landy_alert** · 14th January 2010 12:20

C&G's cheque has now cleared so I'm ready for a Mod to change the title of this thread to ***WON*** please

**maroondevo52** · 19th January 2010 22:32

Congratulations

Title changed

**landy_alert** · 19th January 2010 22:40

Many thanks Scott - hopefully my experience will be an inspiration to other Caggers looking to reclaim their mortgage icon

charges

**maroondevo52** · 19th January 2010 22:44

Yep, good stuff, the more people read this the better, have'nt seen many similar to this myself.

Regards.

Scott.

**landy_alert** · 19th January 2010 23:36

Originally Posted by maroondevo52

Yep, good stuff, the more people read this the better, have'nt seen many similar to this myself.

Regards.

Scott.

I just wish getting Swift Advances to refund could be this easy

**landy_alert** · 11th March 2010 19:36

Hi folks

As a footnote to this story which indicates how c**p the postal service is, I today recieved a letter dated 4th January 2010 from the person who was investigating my C&G complaint stating that I should be receiving my refund cheque with 5 - 7 working days. The postmark on the envelope was dated 4th January 2010 and there were no signs that the letter had been redirected from elsewhere...........this is the cheque I received on 7th January

Landy x

Thread: Landy v C&G mortgage charges WON

Thread Tools

Search Thread