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Found 4 results

  1. Can the terms of a repayment mortgage contract that was a fixed rate for 5 yrs be altered during the 5 yr fixed term to a SVR? Does a fixed rate mean the amount to pay each month would remain the same for the 5 year term and not go up or down? Would that be a breach of contract if it's altered? Is it lawful? When mortgage interest is charged daily, how would that appear on a mortgage statement, each month or once a year? Thanks
  2. I would be grateful to know if anybody who has been successful in a claim against Santander on the 2008 svr/cap margin issue could explain the grounds on which the claim was made; was it on the basis of breach of contract on the bank's part or the longer-term financial implications of Santander's application of the cap margin increase. Cheers
  3. Hi Apologies in advance if this is the wrong part of the forum to place this. Seemed most appropriate place. I took out a 5 year fixed rate mortgage in Feb 2007 with NR. It was a 5.69% 'Help with costs + fee remortgage fast track'. It reverts to an SVR in Feb. I owe approx £216,000. The property is in Belfast and although once 'worth £280,000', it would now struggle to sell for £160,000. Basically i am about £56,000 in negative equity, with further falls on the way, with no hope of remortgaging. At the moment i am paying around £1,050 per month. When i got the key facts d
  4. Hi, I am trying to find out is it acceptble for Santander to refuse to offer me anything other than their expensive SVR? I was with Abbey, now it's Santander, had mortgage about 5 years. I had credit problems when first left Uni and had the mortgage transfered to them. I pay over £360 on an £80k mortgage. My friends who are on Variable rate have been paying half this. My mum recently had a letter from the Halifax refunding over £2k as they had locked her in an SVR when they shouldnt have. When I phoned Santander the woman said they wont offer me any other deal but I am free to
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