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    • Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
    • clarks are just like the rest of 'em. couldn't careless, your advantage here is it's not legally your car, the finance co. should be bought into play . as i think BF eluded too , or has in other threads, if dealer/finance co. dont sort it between themselves FOC to you, another option is to get it fixed then bill both for it, if they refuse, then a court claim is very simple and cheap option to recoup your losses. see where it goes. just musing. dx
    • Thanks for that. Much appreciated. I would have assumed they would have had contacts to do such work as well. I think it's just the general rubbish attitude from Arnold Clark as the amount of times the General Manager of the place was rude or kept referring to "it would have to come out of my margin" to fix issues. Like it was my fault. Oh well - Won't be buying anything from them again.
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Mortgage Exit Fees Halifax

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Not sure if many people have tried claiming back exit fees yet since the FSA announcement but if you have ever had a Halifax mortgage call

08457 273747 the press option 3 then 2 which is the option dedicated to exit fees (obviously expecting a high demand) . They tell you what the fee was when you took out the mortgage and what it was when you redeemed they then refund you the difference via a cheque within 28 days.


I know its a drop in the ocean compared to erc's but better in our pockets than theirs. I have just claimed mine from 2000

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Just got mine back today - only rang on Monday. £60 better off :)

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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The mortgage exit fee is often referred to as an admin fee or vacating fee. It is generally around 100-300 pounds. Most mortgages will have these irrespective of whether you end within a tie in period.


The problem with these is that in the mortgage offer they are specified to be a certain amount and then the mortgage companies have greatly increased the admin fee without warning or stating they are subject to variation. Consequently you can claim the difference between what was stated and what it has changed to.


A few have been successful in getting the full amount returned.


What company did you change from?

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Also this is what i put in my letter ,do you think its okay?

I am writing to request a rebate of the mortgage exit fee that I paid on 02/01/2007.


When I took out my mortgage with the bank it was not stated that I would have to pay a mortgage exit fee if I switched provider once the initial offer had come to an end, however I was charged £225.00

Following guidance from the Financial Services Authority, I request that you refund to me the above fee.

If you are not willing to accept my request, I will be reporting the matter to the Financial Ombudsman Service.

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  • 3 weeks later...

Can someone pls explain to me exactly what 'exit fees' are. I am about to move my mortgage from Birmingham Midshires (part of the Halifax) to another provider, but because we have been with them only a year they want to charge us £10,000 for the priviledge !!!!! Have charges to claim from them too , but will be doing that when the account has been closed.


:grin: WON

GOLDFISH £291.90

MARBLES £174.47

RBOS VISA £232.19

AMEX (BLUE) £148.40


AMEX (BA) £151.50

RBOS M/C £222.00

RBOS (MY ACC) £430.00

BARCLAYS £505.00

MBNA £250.00

RBOS (JOINT) £2975.00


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Exit fees are usually around £200-£300 and can be also called mortgage discharge fees/sealing fees.

The £10,000 they are going to charge you sounds more like an early redemption charge.

On your redemption statement have they given you a breakdown of costs?

When you took out the mortgage a year ago if you signed to a special rate they may have stated if you redeem your mortgage during a certain period ie 5 years they will charge you a percentage of the loan.

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  • 3 weeks later...

Just got a cheque from Halifax today for £135 for the mortgage exit fee ...........was only £40 when we took the mortgage out in 1997 and they charged £175 last year.

The lady said we would get a letter to sign and send back accepting the money but they just sent the cheque with a letter saying thank you for confirming your acceptance of our offer blah blah blah..........

Off to deposit it now.....oh and it says its a bankers draft.

Does that mean it doesn't have to clear?

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