as they didnt get the eviction the sols fees shouldnt be there unless the court ordered them to be paid by you. You will be reclaiming that

I don't know this 100%, but if a mortgage holder is in breach of the mortgage terms and action is taken in accordance with the mortgage contract, they can include relevant legal fees/costs incurred. It does not have to be part of the court consideration as to whether the costs are due. It would of course be different had the court been asked to consider these Solicitors fees, but i doubt it was the case.

If there is now a dispute about various amounts added, then if a court has never considered these, the FOS can look into them or if a court has actually directly considered costs, then we would need to see what the court actually said about them. The benefit of getting the FOS involved, is that it might cause TMB more hassle to deal with and they might well be less inclined to take this to court again while the FOS are involved. If the FOS are willing to look at any issues, it may give a bit of a breather while you look to get into a better position.

as they didnt get the eviction the sols fees shouldnt be there unless the court ordered them to be paid by you. You will be reclaiming that

I didn't know this, I'll add this in to the total. I will also send off a SAR, I would have thought they would have charged interest on everything as the charges we capitalised into the balance

Yes they do

I don't know this 100%, but if a mortgage holder is in breach of the mortgage terms and action is taken in accordance with the mortgage contract, they can include relevant legal fees/costs incurred. It does not have to be part of the court consideration as to whether the costs are due. It would of course be different had the court been asked to consider these Solicitors fees, but i doubt it was the case.

 

If there is now a dispute about various amounts added, then if a court has never considered these, the FOS can look into them or if a court has actually directly considered costs, then we would need to see what the court actually said about them. The benefit of getting the FOS involved, is that it might cause TMB more hassle to deal with and they might well be less inclined to take this to court again while the FOS are involved. If the FOS are willing to look at any issues, it may give a bit of a breather while you look to get into a better position.

The court was never asked to consider these.

I will wait to see what the SAR brings back

as they didnt get the eviction the sols fees shouldnt be there unless the court ordered them to be paid by you. You will be reclaiming that

You would need to ask the judge at the hearing not to allow the legal costs as the litigation was unnecessary due to the Claimant refusing reasonable proposals for payment. All they will say now is that they are allowed to add the fees as it's part of the loan agreement. However, the fees do need to be reasonable - if they used in house legal team they shouldn't be charging law firm rates. Ask for a breakdown of the legal fees.

Hi

What is the best spreadsheet to use when working out unfair charges?

depends on the interest rate APR?

depends on the interest rate APR?

Not 100% sure DX think it's 4.85 ish

Not 100% sure DX think it's 4.85 ish

Should have mentioned in regards to mortgage charges

obviously...

the use the statint sheet

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

last page or two of this thread details the process

http://www.consumeractiongroup.co.uk/forum/showthread.php?467674-Acenden-Spml-Eurosail-Ge-money.-Are-these-all-same-company

Thank you DX.