Further to the above, I still haven't received the full statements I have asked for to date

however I have received a seperate response to my letter asking for a full breakdown of any charges applied to my account and a full breakdown of the £61,498.92 that they have said has accrued on the account.

The letter states that a review of my account has taken place and £4.655.00 has been incorrectly applied in line with the relevant terms of charges at that time.

A sum of interest will also be repaid to my mortgage account totalling £9,687.39.

The letter ends by explaining the other charges are not illegal and the conditions of the loan agreement entitles them to be applied,

The final paragraph explains the loan agreement is not regulated and therefore the financial ombudsman service or the financial conduct authority will not be able to look at my complaint!

What steps do I take next?

Thanks as always for your help.

bet they don't use the word illegal but unlawful [bog diff]

one way or another you need to see the charges they think they can levy...as they cant!

The wording in the letter is "I am satisfied we are entitled to apply charges in line with clauses 2b and 2d of the terms and conditions of the loan agreement and it is not illegal for us to do so"

oh dear shows they don't really know what they are talking about then.

illegal means criminal, unlawful for civil debt is the right word...but well we already know they are criminals:lol:

that to me points to they don't really know why they wont pay them all back but think by stating something like that it will put you off.

think about it this way

if it weren't for people challenging supposed water tight T&C no-one would have gotten all the bank charges back 15yrs ago and neither would the massive PPI scandal reclaiming been SO successful..

Well I for one am up for challenging these terms and conditions, To say I am paying £2000 odd pounds per month and find I am £60 odd thousand pounds in arrears shows what company i am up against. Will I have to wait for the SAR I have sent in to be answered? I am worried that as they are looking at giving me £9,687.39 (which is written on the letter three times, to remind me I should be ever so grateful) so wonder if they're going to push for the return of the £61,498.92

AFAIK sar are allowed to be sent by email

and if they've not complied time to ring the ICO and ask them what can be done to get the missing info?

Thanks DX I will email them today and see what they say.

Thanks again.