nram mortgage shortfall settled

[hesanmp]

hi everyone

 

recently had property repossessed by nram and left with shortfall. shortfall now settled and account balance is 0. my question is now the account is settled can i still claim back all of the ridiculous charges and fees they applied to the account, over the last 9 years?

 

cheers

[caro]

Yes.

[hesanmp]

rock & roll, luvly jubly etc

 

i'll sar them right away.

 

fos, or straight to letter before claim, wait 7 days and issue summons

[caro]

If you go to fos you could be waiting years. LBA and court.

[hesanmp]

my thinking exactly. out of interest, how many years to banks/building societies keep mortgage account records?

[caro]

I wouldn't like to say. Just make it clear in your sar that you expect everything, including data over 6 years old.

[hesanmp]

now the small claims limit is 10k does that include interest?

[hesanmp]

out of interest are there any county court cases where the judge has refused the refund of mortgage charges etc?

[caro]

has one lost the plot??

 

i was after any cases that have been lost, i.e. names, which banks, and what reasoning did the judge give etc etc

 

You also asked about interest above which Maroondevo was responding to.

 

We don't keep records of won or lost cases. Unfortunately many people don't bother updating with the outcome of their claims.

[hesanmp]

just about to send letter before claim to bank re their charges. only decision is whether to give them 14, 21 or 28 days to pay up?

[ims21]

Thread tidied.

 

For the OP....there will bound to be cases where folks have lost just as there are cases where there are wins.

 

You will need to research and put time into the claim preparation.

 

An lba of 14 days should be enough.

 

Have you done a spreadsheet detailing what your claim amount is going to be?

[hesanmp]

hi ims21

 

thank you for your reply. excel spread sheet completed including interest calculation. I will complete my letter hopefully this week.

 

cheers

[ims21]

hi ims21

 

thank you for your reply. excel spread sheet completed including interest calculation. I will complete my letter hopefully this week.

 

cheers

 

When ready, perhaps post the proposed letter up in case something has been missed....the guys will be glad to help if there are any omissions etc.

[hesanmp]

that's a bit rude

[dx100uk]

if you've not seen this

 

 

its worth reading

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?296108-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

 

 

dx

[hesanmp]

one thought before I send the letter before action. the charges/fees I am looking to claim back are under 10k, so this will be hopefully in the small claims. the problem I have is the erc, I am also looking to claim this back, but with interest it is over 50k. I want to keep this separate, can I do that or will they be joined together?

 

cheers

[MoyesMW]

hi everyone

 

recently had property repossessed by nram and left with shortfall. shortfall now settled and account balance is 0. my question is now the account is settled can i still claim back all of the ridiculous charges and fees they applied to the account, over the last 9 years?

 

cheers

 

 

 

 

 

Sorry to burst bubble but as I said additional Cost may be involved. Won Case and this happened. (left out personal details). But you get my drift.

 

 

Oh and by the way. What was that about being rubbish?!!!!

 

 

as stated originally Banks are not honest anymore and this comes from their Legal Side.

Beware. sorry Mate did not mean to insult you.

Edited October 2, 2014 by MoyesMW
try this its in MsPicture Manger

[hesanmp]

moyes

 

please can you increase the size of the letter, too small to read.

 

cheers

[hesanmp]

hi moyes, any joy with attaching something larger? cheers

[dx100uk]

you'll need to convert to PDF for it to show

 

 

dx

[hesanmp]

hi dx

 

I can't convert to pdf. when I use tools to zoom it is simply blurred!!!

[hesanmp]

hi dx

 

any joy with the letter?

 

cheers

[hesanmp]

hi

 

i sent my letter re claiming back my various mortgage charges and they have acknowledged receiot and have said they have 8 weeks to respond. i only gave them 3 weeks. do i have to follow their terms?

 

cheers

[caro]

If you were going to the ombudsman yes, but not for court. 3 weeks is ample. You could send them a second LBA reminding them of their deadline.

[hesanmp]

i have notified them their time scales are not acceptable. they gave 10 more days or i will issue.