called FOS and was advised to call solicitors informing them that they advised me to accept the sum in principle as we already have an official written complaint about Santander under valuing when selling the property and SAR for all fees added. We were advised to strike through the conditions we did not agree to before signing and returning the form. Now its a waiting game while solicitor takes instructions from Santander

Hi again, yes long story. The property had previously been let and as my husband and i had separated the plan was he was moving into it. It needed work and he was disappearing working on fitting new work tops decorating etc. This didn't happen. Hes a pathological gambler and i discovered bills mortgage etc were not paid. 2 years ago it went to court where a suspended repo order was granted. On the most part i made sure payments were made but already the sum quoted at the possession hearing the paperwork had loads of charges for letters etc. We agreed to pay the monthly installment and an amount off the arrears. Then i got poorly with CFS and didnt work for a couple of months and despite speaking to santander and paying as much as i could the solicitors took it straight back to court. The house was on the market and we asked for time to sell and 3 months was agreed. We thought we had it sold however they pulled out and santander enforced the order for possession. By then id had enough and knew there was enough equity to clear the mortgage and associated costs and their solicitor claimed because of my ill health and ex's gambling there was no way forward. It was sold by a local estate agent who reduced the market price from 49 950 to 30.000. I wrote an official complaint letter to santander head office About the undervalue and he replied stating they had 2 valuations. Ive got all the details of other houses in the immediate area which were on the market and selling costs. Ive got all statements and letters where costs were added and officially complained. Ive spoken to FOS who said i needed to complain directly to santander first. In the meantime 8 months after the sale this letter arrived despite my complaint.

]pThank you, ive searched the internet for Hours and can find nothing about any terms or conditions for releasing the surplus from the sale to us. The solicitor is quoting section 105 of the law and property act 1925

Thank you Bank Fodder for your reply. Il certainly do that

Hi everyone, i was wondering if anyone can advice me after our home was repossessed by Santander in Jan this year. I have a formal complaint with Santander as they marketed my house hugely undervalued and it sold after 9 days on the market. Ive asked for a breakdown of all £40 debited to my mortgage account even though i was in regular contact with them ive many charges including misc charges. Last week i received a letter from their solicitors stating there is a surplus from the sale of £2454.37 between myself and my ex husband. The conditions to accepting the surplus in full and final settlement includes that we must agree the amount and confirm that neither of us has no further claim against santander UK plc either Past, present or future or without us signing it will not be possible to conclude matters and no monies will be forthcoming. Is this something they can do ? Can we accept without prejudice considering the complaint already filed. Any reply would be greatly appteciated

****Update**** Halifax sent massive bundle of SAR documents.. .no PPI on mortgage. Called again and said I'd taken advice from the FSA and complained again. ..Low and behold they've suddenly found PPI from 1991. I have recollection of PPI at this time, mortgage was taken out 5 years previous. They said £12 monthly...??waiting for a letter

Do you have any documents ??.. .I've just recently discovered an old Lloyds bank account number so SAR sent. Halifax say they have no record if any mortgage ppi however we are 100% certain we had something sold to us at the same time we signed for our mortgage. I'm hoping I find some evidence we had it.. .we did not have to wait 12 months to claim, I thought it might have been 3 months but I'm not certain. I remember we were really upset as it never paid out to us what we were told. We ended up with arrears which we should never have had..

Lloyds SAR is my last option unfortunately. .thank you for your reply dx

His long can you claim charges back please ? I think they spread from 94 until 2002

Last week...I believe the policies were paid from my husbands Lloyds bank account so might have to SAR details of his account Totaled up over £1000 of charges letters etc for the mortgage

Joint endowment mortgage from 1986 with ppi. We were unmarried when we bought our 1St property with some sort if ppi. My husband was made redundant in May 1991 and were paid until October of that year. He had to be out of work for 3 months before he could make a claim I believe he claimed for 2-3 months when he got temp work for a few months. At the time the policy only paid 50% of the sum we should have received as I was employed after my husbands temp work ended we were informed no further claims could be made for 12 months. We cancelled the insurance and ended up with mortgage arrears in the following few years. Its always been a bug bearer. After SAR Halifax we received our bundle last week. Halifax claim no PPI sold. The spread sheets don't include it however the Jan 1992 spread sheet states mpi but no details of payment or sums. We are 100% certain we paid £40 monthly for 5 years before we cancelled. Halifax have not included our signed mortgage agreement. I have found copies of building insurance, Provident mutual life insurance and endowment policy details. All must have been sold to us at the same time as our mortgage as the dates are all the same. I vaguely remember throwing the policy away a number of years ago

http://www.consumeractiongroup.co.uk/forum/showthread.php?52933-mortgage-redemption-penalties This is what happened when i redeemed early

Unfortunately I redeemed in 2003 but maybe it's still worth a chance...I'll follow your story and wish you luck

Yes I understand that. This is just another way this company make you part with your hard earned money and they have many more. I was stung big time with early redemption charges. ....The Co have been fined I might have another try to recover what they should not have charged me to release me from their clutches

Cant wait for the Lancashire mortgage corporation to be handed out millions in fines they completely had me over with early redemption charges.....ive still got all my paperwork ready when it happens

Blemain Finance Limited In October 2006, we obtained an undertaking from Blemain Finance Limited under the Unfair Terms in Consumer Contracts Regulations 1999. The undertaking related to how the firm calculated the level of its early repayment charge (ERC). In September 2010 the undertaking was withdrawn from our website to reflect our updated view that the ERC levied by the firm formed part of the price the borrower pays in exchange for the service of being provided with a mortgage which operates at a fixed/discounted rate of interest for a period of time. Our updated view is that it is unlikely that the level of such charges can be assessed for fairness under the Unfair Terms in Consumer Contracts Regulations 1999 Taken from the Financial Conducts Authority Website

Hi everyone Got my detailed assessment hearing tomorrow, dreading it, just getting all my docs in order so I can put up a good fight Will let you know the outcome:confused:...Gc

Sorry what I meant was the buyer instructed his own Sol and a different Sol for her The sig from the property letting agency for £3000 is defo not hers, I think they realised just before completion that they had nothing in writing to get their "cut" and no repairs have been done, just a to let sign put up outside She did not question the fact that the buyer instructed a sol to act on her behalf as she knew the house was being bought to let and thats the reason she believed the same surveyor valued it at £5000 less than he did 3 weeks previously. There is something very wrong with this whole process she put her house on the market with an estate agent then a local letting/property management co became involved somehow then a buyer is found who reportedly rulled out then anothe buyer is found, the same chartered surveyor comes out a second time and knocks £5000 off the value then another company becomes involved, they are a buy and rent back/to let, co who are acting for another buy/rent back/to let company, then theres the buyer...what the hell reason are all these people involved in the sale of a property, then the property management co want £3000. The worst thing about this whole situation is that from the estate agents onwards knew that she was desperate to sell the house as it would have been repossessed as her x had not paid the secured loan he took out on it, they also knew she was in poor health, kidney transplant and 2 brain hemorrhage's, all this to cope with while trying to get rid of her house before it was taken from her. The Sol acting for her never had a face to face meeting with her, he never explained anything to her regarding option release and I even spoke to him myself on her behalf when the property management co called her to go straight to their office as the buyer was pulling out if she did not reduce it by £3000, he told me the buyer was never pulling out, he had already paid a £5000 retainer so he knows that it is not true when he said she agreed to reduce the price in order that repairs could be carried out 3 weeks before the completion...its been one big con from start to finish IMO, I'll let her decide what she wants to do, thanks for the reply...Gc

Bump.....anyone managed to have a look yet please...Gc

and finally this http://i192.photobucket.com/albums/z274/joshsam03/017.jpg http://i192.photobucket.com/albums/z274/joshsam03/018.jpg any comments would be most greatfull she defo did not sign this agreement, when they called her into their office the paper she signed was blue and there was no mention of £3000 for repairs, the buyer knew all about thye property from the survey and this happened so near to completion http://i192.photobucket.com/albums/z274/joshsam03/019.jpg

http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/007.jpg http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/008.jpg http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/009.jpg and this http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/003.jpg http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/004.jpg http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/005.jpg http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/006.jpg

Hi all, attaching docs from sols, there are a couple of sig's that she states are defo not hers although ive deleted them http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/001-2.jpg http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/002.jpg this is the contract the from the sol http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/010.jpg http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/011.jpg http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/012.jpg http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/013.jpg http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/014.jpg http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/015.jpg http://i192.photobucket.com/albums/z274/joshsam03/Reply%20from%20Sols%20about%20house%20sale/016.jpg

another update...she had reply from the Sols today with some of the information she requested, some information missing and he's told a few fibs... stating that she signed an agreement to pay his fees although this there was no copy of this in the docs he sent which I'll scan and post them after I've finished work tomorrow, what I'm finding hard to get my head around is the fact that she never received any offer letters and although he states otherwise, she agreed to pay his fees...the facts are she was never given the opportunity to instruct her own Solicitor, the "buyers" instructed the Sols to act on her behalf and given her poor state of health and the worry of repossession she didnt give it a great deal of thought...I've never heard of any buyer instructing any Solicitor to act on the sellers behalf...got my doubts whether they were all in it together...Gc

Update, Solicitor replied to her today, said he'd received 2 letter's and for identity purposes, wants another letter with her signature and wants to speak to her on the phone ??? He knows who she is and that its her so why would he need a "signed" letter...Gc

Decided to write to the Sol's again asking for copy doc's In the meantime, had a look through letters she received from the house sale, "which are very few" came across a letter from 21st Century Property Solutions...anyone heard of them ??? Gc