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craig73

Britannia mortgage charges

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Hi all

 

I had a Britannia mortgage in 2005-2007 which I go into difficulty with.

I had a lot of charges added ie: £35 for a letter/missed payment etc

 

Is it still possible to claim them back?

 

Thanks


Bigboj

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yes and here is the letter to do it


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Hi Craig73,

 

I have a thread in the 'mortgage' forum (see here - http://www.consumeractiongroup.co.uk/forum/showthread.php?365249-SAR-response-from-Britannia-BS )

 

I have had my SAR details and am just waiting for the abbreviations/codes to be sent (hopefully soon) and then I will be making a claim for all the 'unfair' charges

 

At the moment i can go back to 1984 with the SAR response.

 

I would suggest sending a SAR request (+ 10 GBP to cover the cost) to BBS in LEEK and then going through and compiling your spreadsheet to claim the monies back.

 

There is a good 'sticky' in the 'mortgage' section that will give information on what you can/cannot claim back.

 

Happy hunting/claiming

 

G

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And don't forget the 8% interest that a court would allow. :-D


HTH (Hope This Helps) RDM2006

 

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I made my claim through the FOS who said the charges were fair and a reasonable estimate.

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I don't think I will use fos.

 

just waiting for the sar now.

 

Also I can't see how they can say £35 for a missed payment and £25 for a letter is a fair estimate


Bigboj

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I made my claim through the FOS who said the charges were fair and a reasonable estimate.

 

Thats the FOS for you :!:


HTH (Hope This Helps) RDM2006

 

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Hi all

 

Can you still claim these unfair charges if court action was taken to recover the arrears ?

 

Thanks


Bigboj

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Hi all

 

Can you still claim these unfair charges if court action was taken to recover the arrears ?

 

Thanks

 

Simple answer is yes because at the time you did not realise they were a penalty.


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Thanks ims

I know I can claim arrears charges and returned dd payments.

 

Is there anything else I shud be claiming for

 

Thanks


Bigboj

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Thanks ims

I know I can claim arrears charges and returned dd payments.

 

Is there anything else I shud be claiming for

 

Thanks

 

Telephone calls, collection fee, letters etc. Anything that is a penalty and does not reflect a fair pre-estimate of costs involved.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

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hi all

 

i had my final responce from britannia and they say all charges are fair and in line with the t&c when i took the morgage out

 

also has any one accually managed to reclaim any unfair mortgage charges back IE: arrears fees and returned direct debit charges i cant seem to find any threads with any one who has been successful.

 

many thanks


Bigboj

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hi all

 

i had my final responce from britannia and they say all charges are fair and in line with the t&c when i took the morgage out

 

also has any one accually managed to reclaim any unfair mortgage charges back IE: arrears fees and returned direct debit charges i cant seem to find any threads with any one who has been successful.

 

many thanks

 

The file below is a FSA fine placed on another lender part of which was due to excessive charges. Quote it when you write back

 

Page 4 part 2.6 (3) and (4)

 

 

[ATTACH]41002[/ATTACH]


HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

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