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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
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is it possible to get Santander to go over history of mortgage


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Long story short - I originally had a 100% mortgage with N&P - then lost my job but repayments were covered by insurance, due to it being a 100% mortgage/account in arrears I was on a higher rate than usual - account then changed to Abbey and then Santander, I have since the Abbey days redone my mortgage every few years but remember the first time it was done a comment being made that I was on a unusually high interest rate - is it possible to ask Santander to review my mortgage account and check that I haven't at some stage been paying the wrong rate of interest

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You dont lose anything by asking :) However, you could always send a Subject Access Request.. ensuring that you specifically request all information regarding the mortgage.. to see if anything comes to light.

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Agree with CB, get the info SAR, build the case, then put it to Santander, if your still unhappy and believe you have a case refer it to the FOS with the facts.

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It is a very grey area as Banks do offer different interest rates to different people.

 

You could review your original mortgage offer and any subsequent agreements to change the interest rate (previously and sometimes called a Deed of Variation DOV) and compare the interest rate you paid with advertised rates and with the standard variable rate.

 

However, to build up a case it will take time and work on your part

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