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New mortgage arrears template


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Please read this article - http://www.consumeractiongroup.co.uk...lender-conduct

 

Follow the links to the FSA website and read the for articles. Two of them are FSA summaries and two of them are the FSA final notices in the case of Deutschebank and also in the case of Redstone.

 

They are not difficult to follow although Deutschebank is 20 pages and Redstone is 15 pages. It is really quite essential that you understand the FSA's reasoning in both of these decisions. It will give you a lot of confidence about what you are doing.

 

Follow any discussions on recovering mortgage arrears in the forum. If there are things that you are not certain about, then ask questions on the forum.

Before sending off the letter, you should have already assembled all of your mortgage statements and be certain of the amount of money that you are reclaiming. If you have not done this, then you need to send your mortgage lender an SAR in order to find out exactly how much they have taken from you.

 

Additionally if you have been charged for counsellor visits – which either have not occurred at all – or to which you have not agreed, then you should claim that money back as well. If you have been charged anything between £50-£100 or more for counsellor visits, then it may be that those charges are unlawful because it is clear from the Redstone case that your lender is only entitled to charge the actual cost. In that case, the entire charge is invalidated – not just the excessive part. In that case you should also proceed to reclaim all of that as well.

 

You will have to bring a county courtlink3.gif action. It is not complicated and it should not be frightening to you.

 

Do not imagine that sending the letter is suddenly going to produce your money. Financial institutions generally have shown themselves to be greedy and stupid as well as bullying and unfair.

 

We can help you deal with them so you don't need to worry too much. However if you are simply trying to bluff them into paying you your money and you have no real intention to go to court, then do not send the letter. It will be a waste of your time. It will undermine the efforts of others who are really serious about recovering their money.

 

Mortgage arrears template letter before action

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