Thread: Future mortgages/citi financial

Hi i have recieved a letter from citi financial who i suppose is future mortgages? it says:

we note that you seek to rely on upon schedule 2(1)(e) of the unfair terms in consumer contracts regulations (1999) "UCTCCR". that provision is specifically applicaple to charges for breech of contract, which does not inlaw include redemption charges since these are not imposed for breech of any contractual obligation.

It goes on to say that they are allowed to charge for reasonable costs and will only disallow those that a clerly a penalty on the defaulting party (see jobson v johnson [1988 1WLR).

Is this just a scare tactic to put me off carrying on I sent the lba the day before i recieved it so should i also be sending the letter in response to no breech?

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Yes you do have to prove a breach of contract and yes they can claim their actual costs if you do.

Also have a read of p.7 here before deciding whether to proceed:

http://www.consumeractiongroup.co.uk...ensington.html

read that one but mines under 5 k so do i need to send that letter about breech of contract?

If you are happy to proceed. Then yes the letter in response to no breach would be your next step.

i am happy to proceed am i understanding right the only thing really i have to loose is the court fee they cant claim costs when my claim is under 5k?