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noogie

GE Money Charges can they do this

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Last August I missed one mortgage payment on main mortgage and little mortg husband lost his job. We called them and offered £100 per month to clear inaddition to the monthly payment (932) and £25 off little mortg (£250). This was refused and we were told it wasnt enough they wanted £250 = £300 on main and £100 on small. Told them we couldnt afford that and this went on for 3 months when during on of the numerous telephone calls I said Look you have refused our offer to which they replied well things have change and we will accept it now. A direct debit duly set up and payment made, HOWEVER for this privelage they have added on £40 per month each account for late payment, daily interest and letter charges. altogether about £1200. I asked in the meantime If i Could rate switch the small account and was told not whilst in arrears. I have paid up the arrears on both accounts and again asked the same to be told the little morgtgage is not a mortgage but a secured loan and therefore no I cant change it. It has alaways been referred to as morgage and infact when the base rate changed so did my payment and if this was a secured loan that wouldnt happen. They have added the charges to my mortage which now means I will pay interest on that for the remainder of the mortgage. Canm they do that , it has increased my repayments per month

they wont listen any advice please.

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I have the same problem But my charges are now in excess of 6.000

 

I am not sure whether we can claim these back like the bank charges

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The small one probably is a secured loan and it can be on a variable rate and would therefore change with the bank rate. Some people call them a second mortgage because it is secured.

 

The charges may or may not be fair but I am not sure if there is enough information available to challenge these at present. You could always make an overpayment to cover the amount so as not to pay interest for the life of your mortgage.

 

If your small loan is on a higher rate than your main mortgage it is probably because your small loan is on the variable rate and the mortgage on a tracker rate. Make sure you keep a good payment and credit record and in 2 or 3 years when the rates are higher you will be able to remortgage.

I hope I have helped explain the situation.

Pedross

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