ok so uve got me intrested are we saying that the banks / societys cant charge tese amounts what so ever because this isnt what it cost them. i know i sound silly but when i took out the mortgage i thought that part of the redemption fees was part of the contract so why can i claim money back and is ther a deadline to do this in . cheers for any help any one can give as a thankyou check out Brainstorm Gifts LTD enter BC0602 and get 10% discount on anything you order.