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rijohughes

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About rijohughes

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  1. TMB took me to court to repossess a buy to let property I own. We went in to court and I explained that I had found a good tenant and would hopefully like to keep the property, I explained that the mortgage of £543 pcm would be given straight to TMB directly through the tenants rent payments. This was agreed by the solicitors representing TMB. The judge explained that as long as I paid the mortgage repayments there was no chance of TMB repossessing the property. I explained that as the rent was £600 pcm I would pay the full £600 to TMB thus reducing the arrears. The judge stated
  2. I received a letter in 2016 from Platform homeloans explaining they had found I was charged excessive late fees etc on a mortgage I had with them, I had a total of £427 returned to my mortgage account including interest payment. I recently wrote to them asking for full breakdown of the refund as I wanted to check the correct interest was returned to me, I also asked that any charges added to the mortgage would be addressed. I was sent a statement of account together with a letter telling me they were happy with the fees returned to me, but no breakdown of the fee's as requested.
  3. Thanks DX I will email them today and see what they say. Thanks again.
  4. 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
  5. 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"
  6. 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
  7. I emailed them a SAR on the 23rd Aug but haven’t had anything back yet, will let you know when anything arrives. Thanks again
  8. They haven’t mentioned how they arrive at the £61,000 they are now demanding, what are my next steps? Thanks
  9. I have received this reply from Together, it came with the same list of fee's I attached previously. 09091801.PDF
  10. As mentioned at the top od the page it was due to financial difficulties, the payments are back on track as I have a good job and good tenants In the property. But I was aghast as to the amount of charges they have added.
  11. is there something I should be asking Together?
  12. Sorry, don't know what you mean, are they hiding something do you think?
  13. Really glad my daughter has turned up, This is the letter and attachments received from Together. Together review outcome.pdf
  14. I hope I have uploaded this correctly Together Compound interest calculator.pdf
  15. Could you tell me how to upload the sheets and i will do so. Thanks
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