To day I have heard back that they are not going to pay me anything for excessive charges at all, since they say the charges I have itemised, MAAF's and DD fees were not identified as having been inappropriately applied, following the FSA review. They enclosed details from the original lender and their own details where all charges are outlined and state that as I was contractually obliged to make payments, when I didn't, the charges applied as stated... there are number of issues in the letter I am not happy with. Is there anyone I could send a copy to to have a look for me? Thank you so much.

Hello Yes, I have all of the statements now. I have just claimed first of all, the amount they sent to me for agents visits, though to the property they re-possessed the year before, so never received by me of course. Thought that was easiest since it had already been authorised. I received the payment, but for the original amount, not the extra years of interest as they tell me, as they have records showing they made all reasonable efforts to reach me at that time, they do not owe me further interest. Is this right? They expected me to have a mail forwarding address in place. I didn't since I had no idea where I would be. Now comes the claim for excess charges...

I too am having difficulties with Redstone. Having waited 350 days for my SAR, now I have requested funds from them, first for the agents visits, something they sent a cheque for, to the property they repossessed 8 years ago. I have waited and waited for it and each time I write, i get a standard "complaints" letter from them saying they will investigate thoroughly and it will take 20 days... just stalling and stalling and never answering anything I ask them! There will then be the DD's and arrears payments to claim. So court it is for the first part I think.

Hello DX100UK So, I have made the calculations and have a figure now. Is there a particular letter that is used to send, and any timeframe for them to respond/settle? Thank you again.

I truly appreciate your help. I have been reading through the Redstone/FSA document so feel fairly confident about my claims. I will get to the worksheet this weekend and see how it looks when I am finished with it. Not having used one before be prepared for further questions! Whatever I receive will be good of course but can never make up for the appalling treatment by them and their agents at the time. I was not given proper time to vacate and the estate agents were seen and filmed filling their cars with my belongings. The whole episode a utter horror story right up to the completion. Thank you again.

Thank you. There is no PPI. Just the dd charges and the arrears charges and whatever interest there is to be claimed. Counsellor visits; they sent a cheque to me at the house they repossessed, a year after the event so of course didn't reach me. There is also an overpayment at the time of the sale so I have asked for clarification on that. I imagine that will have been taken up by a second charge on the property at the time. However, I would like to reclaim what I am entitled to of course. Thank you for your help. I am sorry I post in the wrong places, I don't mean to, I find navigation confusing here. Clearly I don't use it enough.

Hello I have waited exactly a year for my SAR documents to come through from Redstone and have been going through them all these past few days. Can I claim for the whole of the arrears fee of £50.00 or just a portion of it? Same as with the DD charges. I am assuming the charge is 35.00, 1 0.00 is close to actual cost and 25.00 can be claimed from them? How does the figure for restitution work? Thank you so much.

So all these years on, I held out and kept the house until Oct 2009. There was a purchase going through, until the last minute which fell through and then despite having an auction booked, four weeks hence, it was repossessed. Now, after a year of waiting, I have the paperwork to reclaim some of the funds that were overcharged at the time. Can anyone tell me the level of interest I can claim? I would like to get this going asap, of course. Thank you so much.

Where was the original post please?

Didn't realise or think anyone would be interested in looking back so far. I apologise.

Sadly not. An auction was booked for the property four weeks from the date and still I lost.

Hello I have finally received the paperwork from my mortgage company after 12 months and my SAR. There is a mountain to wade through as you might imagine, but the first thing I have noticed is that having taken possession of my home, my mortgage company still charged me for my mortgage payments and arrears for the same until the property sold four months later. I am looking to see what I might be able to claim for. Obviously excessive charges for failed payments. Arrears charges too? I am just uncertain. Thank you.

Thanks so much Caro, sorry for the delay in replying, I have still been wading through the small print! Where have you moved it to...?

Hello Thank you for your reply. It is 50% of the original loan of £79k, from Affirmative Finance, according to my solicitor who received a settlement from them last week it was £126k, two days later in court, they tell me £128k. No there was no PPI. I am wading through the small print, but as is so often the case, it is as clear as mud!

Hello Everyone Some months ago, amazing people on this group gave tremendous advice and support, that allowed me to avoid eviction and to remain in my home until I completed on a sale. Exchange is due this week.... My question this time is this; I have a bridging loan also on the property, run over time and paymants outstanding, because of illness, job loss etc. Now these people will be taking from me the amount of the original loan, which of course I owe; then the outstanding payments, which I owe, but then they want to add another 50% on top with no explanation why or breakdown of how they reach the sum they are asking for. They tell me it is negotiable, but before I even get into that, I want to know if they can just charge any figure. We have to agree of course, or there won't be any completion, but that will not be to their benefit I know because they won't get their money. I need to resolve this soonest and thought here was the best place to start. Many grateful thanks, Demelzza

I can't even write tonight! that is and offer on the house, and saying nothing that says it will complete in time, anyway! Sorry

I am so sorry... on top of everything, I have had no computer for two days! I have all but filled out the forms and need so much to get them to the court tomorrow, as my date for eviction is the 11th! I have received a firm off on the house today, but of course, nothing that says it will complete in anyway. Ell-enn I have 58.00 over after all the figures are done, anything you can help me with on Q10 would be so much appreciated. Thank you so very much everyone.

I had to pay the monthly payments and ... I can't find anything about the arrears, I have mis-placed something here obviously... Thanks so much for this budget sheet, scary looking thing! I will go away and work on it quietly. What do I do for Q10? Thank you so much Ell-enn

Yes I have a letter about the new job, it is only from April to October but it is 'additional' and helps no end with a frightening mortgage of £2k a month! The sooner I am out of here the better, but I need it to be on my terms if possible... Where do I find the attachment please? Sorry to be dim, I am new to this.

I should say, I was able to make full payments in Dec and January, but have missed Feb. because of waiting for my money to come to me.

It was in November and yes I did attend.

I have the form now...

Thank you so much Ell-enn... but not paying anything until the end of March, won't that cause a problem...? I can pay a little off the arrears as well. Before this arrived today I spoke with Redstone, who I felt tried to be helpful. Oh, I have just noticed, Saturday, I got a notice from the court telling me the proceedings had transferred to Brighton, from Eastbourne, as the case was heard in the wrong court to begin with. Now this letter, has come from Eastbourne again. Where should I take the completed form... Brighton or Eastbourne?

Ok, thanks... This is the Warrant for Possession that was delivered to me today, giving me until 11th. The company is Redstone and the arrears are five months. There is just me in the house (and the cat and dog...) I work contracts and one company that has recently been taken over is paying me but promising one month, then I get less than expected, as they draw it out more. Next amount is due end of March. I have a new job in April, but no money until May and nothing to draw on now. My bank had promised to take up the slack for me, some while ago, didn't, as I couldn't give them a completion date for a sale at that time, and so things have got worse. I have had an offer on my house today and there is plenty of equity in it now. Of course I won't have any signed contract by 11th, but would the court let me stay in the house do you think ...?

I feel as though I am drowning! Just come home to a warrant for possession of my home. Is there anything I can do...??? I spoke with the mortgage company earlier today, they tell me if I can make 2 months payments, and a little off the arrears, they think they can help, and I should go back to court (how?). I will not be getting my earnings until the end of March, from my previous employer, but do have a new job, beginning in mid April, but no earnings of course for a month. My house is on the market, much reduced with an interested buyer, but I don't see anything happening before 11 March. I also wondered if I could auction it myself, would that help to persuade them to let me stay. I want out of here so much, but on my terms, so I do actually have a little something to start again with, and not lose it in a few days. Anything anyone can suggest... please, I don't know what to do next.