cagger80
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Could it just be the interest accumilated by your mortgage balance until the day it was paid off. i.e your last payment was for december and you redeemed on 18 January, this could be the interest from 1 - 18 January
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I would break it down into very simple terms to the FOS that you have made a complaint to Abbey and that it has failed to respond within the given eight week time frame as specified within the DISP (DISP 1.6) section of the FSA Handbook.
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As the loan was over £25k and drawn down before the removal of the financial limit execption. The loan is not regulated by the CCA. Instead of a CCA request as suggested, I would advise a subject access request under the Data Protection Act 1998, which will cost £10
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do second charge mortgages fall under CCA 1974?
cagger80 replied to leothelioncub's topic in Mortgages and Secured Loans
Depends on how much the loan was for and when it was drawn down. If drawn down before 6 April 2008 and over £25,000 - no (except unfair relationships) If drawn down after 6 April 2008 - yes However, some caggers have been know to translate it differently to the OFT -
1st Charge Mortgages If the mortgage was provided before 31st October 2004 it is unregulated. If the mortgage was provided after 31st October 2004 it is regulated by the FSA.
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