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Jaxleeds

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About Jaxleeds

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  1. Exactly the same situation as me then. Good luck! dx - what have you tried to explain to me that 'hasn't stuck in' ?
  2. Yep I will be including the following in my letter: A firm must ensure that any regulated mortgage contract that it enters into does not impose, and cannot be used to impose, a charge or charges for a payment shortfall on a customer unless the firm is able objectively to justify that the charge is equal to or lower than a reasonable calculation of the cost of the additional administration required as a result of the customer having a payment shortfall. Anything else i should?
  3. i have tried to read up as much as i can can you please explain what you mean by "don't forget mcobs" (i am close to completing my letter to them)
  4. how you mean "mcobs" sorry? have i not covered it by pasting the paragraph from the FCA?
  5. Dear Sir/Madam, Request for repayment of charges: £XXX.XX I am writing to ask you to refund the charges which you have levied from my account in respect of late payment fees to the sum of £XXX.XX, plus the interest charged on said charges up until the point of the house being sold. Please find enclosed schedule of charges detailing dates and amounts. I now understand that such fees are unfair in line with recent Consumer Regulations. In the case of Castaneda and Others v. Clydebank Engineering and Shipbuilding Co., Ltd. (1904) 12 SLT 498 the House of Lords held that
  6. what do you mean "no guidelines" ? and yeah i know ringing isn't the best course of action but i only discovered this website a few days ago...
  7. well i havnt yet sent a formal letter outlining costs and quoting FCA law yet. just lots of phonecalls...
  8. Update on my claim: I have now been invited down to the offices of Leeds Building Society to speak to the Head of Mortgage Services as we ' remain no closer to a mutually acceptable resolution,' Should i take this up or just proceed with my letter asking for all my charges back and threatening court action?
  9. thanks dx the only thing i would say is that it still quotes the defunkt office of fair trading and also it threatens the Ombudsman, whereas i think i read somewhere else that that is a last resort and a much better threat is court action? it was "bankfodder" who stated : You must not make any complain through the Ombudsmanicon. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered. You must make your complaint through the county courticon for a rapid and eff
  10. very inspiring thread. I would like peoples opinions on whether they think my claim below (simliar to martin's i think?) is worth pursuing please? Do i have a chance with the following: I have a mortgage with Leeds Building Society Each time i miss a mortgage payment and they send an automated letter out chasing it i incur a £27.50 fee and have paid out (over 3-4 years) roughly £500 from this Worth pursuing a refund? (or am i likely to get nothing back)
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