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AMANDA v FIRST NATIONAL MORT. CO.


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Hello ....

 

Having been succesful with claiming against my bank & credit card ( 2 down, 1 more to go!) I would like to turn my attention now to previous mortgage companies, in particular 'ERC's and 'admin' charges.

 

Although initially, I was intending on claiming back 'ERC's against 2 mortgage companies, for well below the 5K mark in each case (First National & Trafalgar Homeloans) but having read about claimant loses, I think I'll hold back for a while and see how events turn out.

 

Despite not going ahead with the 'ERC' claims at present, I take it I can claim for other charges e.g. Arrears Fees @ £25, Unpaid D/D Fees @ £100 etc etc??

 

Is there a S.A.R./Preliminary/Letter Before Action template letter dedicated to morgage companies?? I've looked and clicked on a couple of links - but I get the message it's invalid.

 

I'll continue to look for these templates as I'm sure they must be here somewhere - but if in the meantime anyone can point me in the right direction, it would be appreciated!

 

BY THE WAY - have I read the ERC thread(s) correctly? Is the general advice being given is to hold off at the moment, or have I missed something????

 

luv xx

NatWest

Data Protection Act Letter - 06/08/2006

Statements rec'd 14/9/2006

Preliminary Letter sent - 27/9/06

LBA - 18/10/06

Claim with Court - 31/10/2006

Got until 14/11/06 to acknowledge.

7/11/06 Received ltr offering full settlement minus

interest + court costs

12/11/06 - Rejection sent

17/11/6006 - Natwest Acknowledged

4/12/06 - Rec'd Natwest Def (Cobbetts)

5/1206 - Rec'd partial offer (Cobbetts)

THE WOOLWICH

Data Protection Act Letter - 06/08/2006

List of charges rec'd - 04/9/2006

Prelimary Letter sent - 06/09/2006

Response - 'fully investigating' - 11/09/2006

Claim with Court - 20/10/06

Acknowledged - 20/10/2006

Defence by 17/11/2006

AQ to be returned - 11/12/2006

Court Date - 14/02/2007

**SETTLED IN FULL**

CAPITAL ONE

**SETTLED IN FULL** 3/11/06

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NOT SURE IF ANYONE HAS SEEN THE ARTICLE IN EXPRESS TODAY ENTITLED END OF ROAD FOR RIP-OFF HOME-LOAN EXIT CHARGE.

 

States city watchdog is finally taking action against the mortgage lenders who have profiteered from the fees they charge.

 

Really good long article FSA has given them until Feb 28th to put their house in order and stated that they WILL have to pay backpayments to ex customers for over charging admin costs.Again it states that these charges (like the banks) have to be reasonable and in proportion to their actual costs.It states that the watchdog will be seeking justification from the lenders on their costs. The FSA is suggesting a fixed fee.

 

IT SEEMS THAT WE ARE GETTING SOMEWHERE,ANY ADVICE NEEDED THE FSA has asked that customers contact them and to make any complaints to them if the mortgage company hasnt responded.

 

HOPE THIS HELPS.

 

 

This was posted on thread 'harsh letter received from Kensignton'.

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Yes, hold off for the minute - we are having too many disappointments and there are still a few of us in the system with court dates.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Hi all , good luck with any cases ongoing at the moment . just to recap:

 

So we can take action over charges for missed payments in relation to our mortgage account / home loans .

 

It is best to hold off on other questions , such as early settlement fees, disbersment fees , etc.. ?

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  • 1 month later...

I've sent off my DPA Letter requesting list of transactions and charges, including ERC, unpaid DD's, arrear charges etc. Also, asked for copy of management account fees quoted at the time of taking out mortgage and any manual intervention information.

 

It's been over 40 days now (just) and I've not received anything.

 

I did attempt to phone them last week but you know what these call centres are like - takes ages to get through and whilst they 'put you on hold' you get cut off - so I can't be ars*d now.

 

I'm about to send of the DPA non compliance template letter to First National but thought I'd better check as the letter mentions seeking a court order obliging them to do so.

 

I don't fully understand that part???? How does that part work? and if I complain to the ICO is there a template letter I can use.

 

Any guidance appreciated!

NatWest

Data Protection Act Letter - 06/08/2006

Statements rec'd 14/9/2006

Preliminary Letter sent - 27/9/06

LBA - 18/10/06

Claim with Court - 31/10/2006

Got until 14/11/06 to acknowledge.

7/11/06 Received ltr offering full settlement minus

interest + court costs

12/11/06 - Rejection sent

17/11/6006 - Natwest Acknowledged

4/12/06 - Rec'd Natwest Def (Cobbetts)

5/1206 - Rec'd partial offer (Cobbetts)

THE WOOLWICH

Data Protection Act Letter - 06/08/2006

List of charges rec'd - 04/9/2006

Prelimary Letter sent - 06/09/2006

Response - 'fully investigating' - 11/09/2006

Claim with Court - 20/10/06

Acknowledged - 20/10/2006

Defence by 17/11/2006

AQ to be returned - 11/12/2006

Court Date - 14/02/2007

**SETTLED IN FULL**

CAPITAL ONE

**SETTLED IN FULL** 3/11/06

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thank you

NatWest

Data Protection Act Letter - 06/08/2006

Statements rec'd 14/9/2006

Preliminary Letter sent - 27/9/06

LBA - 18/10/06

Claim with Court - 31/10/2006

Got until 14/11/06 to acknowledge.

7/11/06 Received ltr offering full settlement minus

interest + court costs

12/11/06 - Rejection sent

17/11/6006 - Natwest Acknowledged

4/12/06 - Rec'd Natwest Def (Cobbetts)

5/1206 - Rec'd partial offer (Cobbetts)

THE WOOLWICH

Data Protection Act Letter - 06/08/2006

List of charges rec'd - 04/9/2006

Prelimary Letter sent - 06/09/2006

Response - 'fully investigating' - 11/09/2006

Claim with Court - 20/10/06

Acknowledged - 20/10/2006

Defence by 17/11/2006

AQ to be returned - 11/12/2006

Court Date - 14/02/2007

**SETTLED IN FULL**

CAPITAL ONE

**SETTLED IN FULL** 3/11/06

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Hi

 

I've now received a load of information from the mortgage co that I can't make head nor tail of!

 

Basically they've sent me stacks of paper with what looks like 'screen prints' and are completely coded and abbreviated.

 

I don't even know where to start working out what I've paid - it's that bad.

 

Don't information providers have to put the info into plain english... or am I hoping for too much.

 

Can I ask them for a simplier version and if so do they have to comply??

 

Many thanks

NatWest

Data Protection Act Letter - 06/08/2006

Statements rec'd 14/9/2006

Preliminary Letter sent - 27/9/06

LBA - 18/10/06

Claim with Court - 31/10/2006

Got until 14/11/06 to acknowledge.

7/11/06 Received ltr offering full settlement minus

interest + court costs

12/11/06 - Rejection sent

17/11/6006 - Natwest Acknowledged

4/12/06 - Rec'd Natwest Def (Cobbetts)

5/1206 - Rec'd partial offer (Cobbetts)

THE WOOLWICH

Data Protection Act Letter - 06/08/2006

List of charges rec'd - 04/9/2006

Prelimary Letter sent - 06/09/2006

Response - 'fully investigating' - 11/09/2006

Claim with Court - 20/10/06

Acknowledged - 20/10/2006

Defence by 17/11/2006

AQ to be returned - 11/12/2006

Court Date - 14/02/2007

**SETTLED IN FULL**

CAPITAL ONE

**SETTLED IN FULL** 3/11/06

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