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What charges can I claim back on redeemed mortgage?


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Just received my statement back from SPML. There are a number of charges made to the account, apart from the ERC. These are:-

UNPAID DD CHARGE (which I know I can claim).

Interest on arrears (I think I can claim)

Arrears Management Fee (Don't have a clue)

Non Block Insurance Renewal (ludicrous that you can be charged £25 for not having a service)

Litigation Fee (Don't know)

And last but know means leat the admin fee of £20 which was charged twice for paying by cheque.

Any advice appreciated.

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Hi Red,


my claim is against ABBEY National. I ahve claimed the lot and asked them to provide me with a breakdown of the charges and certified evidence if any of the charges relate to on cost from third parties ( ie I want to see evidence of the solicitors charges from the repossession instruction )



I know that they will have incurred some costs I just don't believe the extortionate amounts ( especially as I know one of the partners of the firm of solicitors who acted for them and he laughed at the charges they had made to me !!! )



My claim totals circa 3.5k plus interest - I will gladly not claim forany of the charges where they can prove that it a genuine estimate of liquidated damages - the onus is them to provide me with the information to make an informed decision!!



But I bet they don't LOL



Good Luck





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