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Mortgage Arrears fees

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Hi,

 

I've gone through [removed] as they've said I can claim money back from Santander for their performance during a mortgage.

They've advised me I CAN claim and to complete their paperwork. Can I ask, is this to do with capitalisation and adding arrears to the principle payments?

They're very vague and mysterious as to why and how..... for obvious reasons

 

can I do this myself?

 

Also, can I still claim back excessive charges on my mortgage account?

 

Any help appreciated

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Thank you...!! nobody ever answers me lol.

 

[removed] are chasing the adding of arrears to the principle yes? that's their thing...... I will loook into claiming this myself. I haven't looke through everything you've just posted but assume the correct terminologies are in there.

On top of that I have the SAR docs for various creditors to do my homework.

 

Can I ask also, if a secured loan is for 25k (exactly) is it also worth checking? for charges and arrears capitalisation?

 

And finally ( and sorry about this one) I have historic bank charge claims of nearly 20k but was told they could not be claimed despite prooof of hardship at the time. Is it worth re- visiting these?

 

thanks again

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capitalisation...changes nothing..

 

as for the historic charges p'haps post on your existing thread?

 

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

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Hi, Thanks for replying,

 

So, sorry do you or anyone know what [removed] angle for getting money back from my mortgage?

It's to do with having been in arrears.....

I'm trying to find out what this is called and how I can pursue the claim myself instead of paying them....

 

regards,

 

Dan

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don't get fleeced

 

typically they claim the mortgage was mis sold then sting you for their fees when it all fails.

 

have you sent satan bank and sar?


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

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Hi,

 

So no it's not for mis-selling (although I have launched a complaint on that myself)

It's also not excessive charges on the account per say.

I think its to do with adding arrears to the principle sum and calculating the interest on the whole amount.

 

I know [removed] have approached the San for info, as they have in turn asked me to authorise them providing it.

 

After 4 months they have contacted me saying I have over paid by quite a bit and they can start proceedings.

However I'd like to just do this myself, as I have with mis-selling and PPI.

 

I'm just wondering what the terminology is for this (capitalisation?) and if there are any template letters or anyone know of successful self-claimers?

Yes I have the SAR info and I'm currently going through it for the charges.

 

Many Thanks

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par sa i'd not call capitalisation a reason for/ equalling to any right to reclaim extra interest.

I would have expected satans wrote to you and you agreed to it.

 

unless its £100's of fees or penalties they've done this too of many years

I seriously doubt it would amount to anything. [ the extra int, which is the only diff to as below method]

 

much better to reclaim the unlawful arrears fees and any other 'fixed sum' fee you can see in the statements.


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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Ok, Thanks a lot...!

I definitely intend to write to them about the charges and pursue that, as there were a lot, and they eventually repossesed the house for 3k of arrears. At the same time they applied charges totalling 4k+ on my current account. Satanic indeed.

 

But based on what you've said, I ,ay aswell let [removed] crack on, as it's no win no fee.......

 

They have suggested 'over paying' by 10k.

 

This is script lifted from their website....

 

"We audit mortgages looking for overpayments stemming from missing charges, misallocated payments and interest rate errors"

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sorry but we loath to recommend using any CMC

if it sounds to good to be true

it usually is...

 

and to me it does...

 

your call.

 

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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i'm loathed to agree that the repo figure is not arrears created by unlawful charges...

if it solely were then go bite satans bank ankles..

 

if the repo reason was solely because their added unlawful stuff then that's not correct and repo was potentially unlawful

only you have that info.. we can only guess..as do the fleecing CMC


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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