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Claiming back fees - Risk charge fee

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Hi,

 

Back in 2002 I applied and got accepted for a mortgage.

 

I have been scanning through my paperwork and have noticed that the mortgage company, Northern Rock, charged me a fee £1306. The fee is listed next to a statement saying: -

 

"We would only normally lend you £**,*** on the security of the property but are prepared to lend £**,*** subject to the payment of a risk charge fee of £1,306. This non-refundable fee will be added to your mortgage account on completion of the loan."

 

I was wondering if this is a fee which would be able to be claimed back???

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what and they charged int on it

 

dx


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Well I assume so as it's been placed on the gross mortgage sum.

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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What is an ERC?

 

Sorry guys, was your link suggesting my claim would be an ERC claim so don't bother?

 

Thanks

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it appears to be a higher lending charge

i'e they are taking a risk insuring such a high level of money

 

not ERC

 

not mentioned anywhere as such as being reclaimable

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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