What is an ERC? Sorry guys, was your link suggesting my claim would be an ERC claim so don't bother? Thanks

Well I assume so as it's been placed on the gross mortgage sum.

Hi, Back in 2002 I applied and got accepted for a mortgage. I have been scanning through my paperwork and have noticed that the mortgage company, Northern Rock, charged me a fee £1306. The fee is listed next to a statement saying: - "We would only normally lend you £**,*** on the security of the property but are prepared to lend £**,*** subject to the payment of a risk charge fee of £1,306. This non-refundable fee will be added to your mortgage account on completion of the loan." I was wondering if this is a fee which would be able to be claimed back???