Britannia mortgage charges

[craig73]

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

[rdm2006]

yes and here is the letter to do it

[gerson]

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

[rdm2006]

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

[tifo]

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

[craig73]

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

[rdm2006]

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

 

Thats the FOS for you

[craig73]

Hi all

 

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

 

Thanks

[ims21]

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.

[craig73]

Thanks ims

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

 

Is there anything else I shud be claiming for

 

Thanks

[ims21]

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.

[craig73]

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

[rdm2006]

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)

 

 

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