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    • Please please help we were miss sold full fibre by EE July 22  Install couldn’t go ahead no equipment sent and no. Survey it was hell  foind out no full fibre in road so we had to go back to cooper no choice we involved. Ceo and they put in a man from customer resolution s  he was vile he told me I had to go to engineers  something very odd about the ex resolution s in bt basically they took my drive up said they Would put ducting in ready for full fibre we have got £ 40 for a hours upon hours phones stress and more told to go to ombudsman  then bill was £35 we called twice told it was that price as they had treated us appalling two weeks later all sky package gets pulled we call again our bill goes to 165 the next two weeks was hell trying to get yo bottom why it’s off our package it was all on in the end I spent a day on the phone  341 mins was the call anyway I got to the bottom it was this resolution man coveting up the other issue another deadlock  to cover it all up  they hide data  ee did so couldn’t get the miss sell in writing I have now only from sept  Basically now we tried getting full fibre and they have found my drive had to be taken up again which has sunk .  The engineer has placed the wrong ducting again under my drive and need s to be taken to again apparently and the pipe sticks up middle of the drive near gate not behind look so odd it’s a big as a drain pipe open to water and it’s below touching the electrical cables to hot tub . I was sent a letter from the ex resolution to say I had stopped the work  I haven’t  it’s so sadistic she covering up for her mate in that team as the orginal install he didn’t check it had been done correctly  I took to Twitter and posted on open reach they ignored me then after 3 calls of two weeks they sent a engineer bt ignored me ceo emails blocked tag on Twitter unanswered then we get someone from twitter send a engineer he written report to say it’s dangerous since we have  had a  letter to say our problem can not be resolved  then a email to say sorry we are leaving and we can’t get into our account Bt will not talk to us ofcom tells us nothing they can do Citzens advice said go to the police  we can’t go back to virgin due so mass issue with them only option is sky  but point is they make out we have canceled we haven’t we have this mess on our drive dangeous work we are in hell  it’s like she covering up for this collegue it’s all very odd I am disabled and they like played mentaly with me open reach say bt resolved the issue no they have not  I recon they have terminated us making our we have  to hide it from mgt  Help it’s hell I don’t sleep we have 29 may we have tried  calling they just ignore me  at first they are so lovely as they say I am then they go to nnamager and say we can’t say anything to you end call  Scared police are rubbish I need help even typing is so painfull  Thankyou  anyone hello be so grateful     
    • There's a thread somewhere about someone sending the baillifs against Wizzair that is quite hilarious. I would love to see someone do the same to Ryanair. Question is, should you be the one to take that role. You are entitled to the £220, if your flight was from the UK. If it was TO the UK I suppose it is more of a grey area... though the airlines I know have been using £220 as standard. Not that surprising for Ryanair, the worst cheapskates in the universe, to go for the lower amount, and if you forward this to the CEO he will probably have a jolly good laugh and give his accountants a verbal bonus. After all he's the one who said and I paraphrase "F*** our customers, they'll fly with us again anyway". While we would all love to see Ryanair get wooped in court again, I have to join my fellow posters in thinking it's not worth the hassle for (hypothetically) £7 and not sure it will expedite the payment either. It's already an achievement that you got them to accept to pay.
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    • thank you you mean you got a notice of discontinuance? dx  
    • Thanks for your interest dx100. Didn’t reach a hearing. Although they filed court papers, they withdrew a few days beforehand, and admitted it was statute barred and I have it in writing that they say the matter is now closed. Once again, many thanks for all your help.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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My Mortgage Fees Were Refunded!!!!!!!!


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A while back I asked about getting mortgage redemption fees back from Leeds and Holbeck (4800 pounds) - well thanks to all the advice I got from this site I wrote to Leeds and Holbeck and they agreed to refund all the fees minus the interest they lost out on for the 2 months (I was tied in for five years and cancelled the mortgage 2 months before this was up). All this was completed within 2 weeks and I'm just waiting for my check to be posted out!!!

 

Thanks to all who gave me advice esp. robertxc whose quote I used in the letter to the bank. So anyone else with early redemption fees - try and get them back - I did!!

 

Now I'm just waiting on those other pesky banks to refund my charges.....

Still, this has given me the courage to go on!!!!!

THANKS!!!!:p

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Talk about serendipity! Sitting next to my laptop as I read this post was a letter from GMAC detailing my redemption penalty (£5400!!). I was just composing my opening letter to them in my head! Any chance you could let me know how you worded your letter?:D

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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A while back I asked about getting mortgage redemption fees back from Leeds and Holbeck (4800 pounds) - well thanks to all the advice I got from this site I wrote to Leeds and Holbeck and they agreed to refund all the fees minus the interest they lost out on for the 2 months (I was tied in for five years and cancelled the mortgage 2 months before this was up). All this was completed within 2 weeks and I'm just waiting for my check to be posted out!!!

 

Thanks to all who gave me advice esp. robertxc whose quote I used in the letter to the bank. So anyone else with early redemption fees - try and get them back - I did!!

 

Now I'm just waiting on those other pesky banks to refund my charges.....

Still, this has given me the courage to go on!!!!!

THANKS!!!!:p

 

Not to be too blunt about it... But that's £4800 that you didn't think you had a hope of retrieving without this site... Which is in dire need of financial assistance to keep it up and running... I think you know where I'm going... Yellow_Flash_Colorz_PDT_08.gif

 

 

 

 

Totally at random... 5% of 4800 = 240 !!!!!

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DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Brilliant stuff! :)

 

My remortgage is just about to complete, and I'm being stung for £3900 early redemption penalty. I wouldn't mind some of that back!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

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Well done!

 

Was there any admission of liability in their letter? I would assume not but I'm ever the optimist!

 

Sorry, no. They even had the audacity to say that if you had came to us sooner we could have came to an arrangement before now.....even though I had written AND phoned, but at least they coughed up!!

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Talk about serendipity! Sitting next to my laptop as I read this post was a letter from GMAC detailing my redemption penalty (£5400!!). I was just composing my opening letter to them in my head! Any chance you could let me know how you worded your letter?:D

 

This is the part of my letter that I think clinched it:

We were contracted to stay in the mortgage for 5 years, but had to cancel 2 months short of the deadline and subsequently had to pay early redemption charges, which we now feel were excessive and unfair. In Common Law you can only recover liquidated losses stemming from a breach of contract - that is, money which it has actually cost you to end the contract early.

 

To quote The Govan Law Centre: "[bank] charges represent a penalty and are therefore irrecoverable at common law. In the Scottish case of Castaneda and Others v. Clydebank Engineering and Shipbuilding Co., Ltd. (1904) 12 SLT 498 the House of Lords held that a contractual party can only recover damages for actual or liquidated losses incurred from a breach of contract. This is also the position in English law: Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor Co Ltd [1915] AC 79."

As we were only 2 months from the end of our contract we feel that the losses that you incurred were well below what you actually charged us.

Therefore, we request that you refund the following to us:

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NO!!! I was quite shocked. I sent the letter out, within 3 days I had a reply stating it was with their mortgage manager, then 4 days after that I got a reply from him offering the money - I couldn't believe they gave in so easily!!! That has to be a first. So I have to sign a from and they will post out the money.

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I wonder if the mortgage lenders are aware of what's happeing to the banks with their charges, and are feeling jumpy about it.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Sorry to hijack the thread but it is on the same subject.

 

My discounted rate finished last month and I am now paying the full rate, yet the redemption penalty still runs for another year. Am I right in thinking that it is actually costing the Mortgage company nothing as the discounted rate has finished?

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Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

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It doesn't 'cost' the mortgage company anything. Don't confuse 'not making as much profit' with 'suffering a loss'. the two things are entirely different. You can only use the law to recover a 'liquidated loss', which means that if they charge you £5K to get out of your mortgage, they would have to demonstrate that it has actually cost them that to do it.

  • Confused 1

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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NO!!! I was quite shocked. I sent the letter out, within 3 days I had a reply stating it was with their mortgage manager, then 4 days after that I got a reply from him offering the money - I couldn't believe they gave in so easily!!! That has to be a first. So I have to sign a from and they will post out the money.

Do you think it happend so quickly because you only had 2 months left to run and there is no way they could legitimatley justify the redemption penalty for only two months worth of time left?

 

It would be nice to hear or know why they gave in so easly?

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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It doesn't 'cost' the mortgage company anything. Don't confuse 'not making at much profit' with 'suffering a loss'. the two things are entirely different. You can only use the law to recover a 'liquidated loss', which means that if they charge you £5K to get out of your mortgage, they would have to demonstrate that it has actually cost them that to do it.

 

 

Well, put, I was looking at it the way the OP got it back, by just paying the interest for the 2 months that was left on the redemption tie-in.

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

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we were with Birmingham midshires until about 3 years ago.We had just changed to a fixed rate mortgage,and circumstances changed quickly in that after about 2 months,we had to move.Sold the house and BM hit us with a rather stiff penalty for clearing the mortgage.

 

Would I have any comeback as regards getting the money back,and if so would some kind person care to give me a contact address so I could chase this up?

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Would I have any comeback as regards getting the money back,and if so would some kind person care to give me a contact address so I could chase this up?

 

If you sold, the account is settled, and all is fine and dandy - ie you don't owe them any money - then I can't imagine there'd be any comeback..?

 

Address-wise, I've got:

 

Birmingham Midshires

PO Box 81

Pendeford Business Park

Wobaston Road

Wolverhampton WV9 5HZ

If my reply or advice was helpful, please click the scales!

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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If you sold, the account is settled, and all is fine and dandy - ie you don't owe them any money - then I can't imagine there'd be any comeback..?

 

Address-wise, I've got:

 

Birmingham Midshires

PO Box 81

Pendeford Business Park

Wobaston Road

Wolverhampton WV9 5HZ

 

thanks fo the address-rings a bell now you mention it.

 

Maybe I wasn't being too clear when I said "comeback"-I really meant will I have grounds for getting a refund?

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thanks fo the address-rings a bell now you mention it.

 

Maybe I wasn't being too clear when I said "comeback"-I really meant will I have grounds for getting a refund?

 

Ah ok, thought you meant their heavies knocking on the door and stamping on your flowerbed? ;)

 

I'd go for it if I was you.. afaik they have to prove that the redemption charge is an actual loss that they sustained by you paying off the debt early. If you can get hold of a copy of your redemption statement that would be fab, as you might find some 'other' charges on there - like this mystical 'vacating fee' I have on mine.

If my reply or advice was helpful, please click the scales!

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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Erm, don't mean to sound stupid, but if the "Vacating Fee" is for the administrative bits for closing a mortgage, what's the redemption fee for?

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Forum clock seems to have gone haywire and my posts are all over the place!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

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So the £150 is a fee for their administration costs to end the mortgage early.

 

What is the £4000 for then?

 

Early repayment charge, apparently.

 

Nope, I still don't get it. Think it's time to write a little letter..

If my reply or advice was helpful, please click the scales!

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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So the £150 is to cover their costs of ending the mortgage.

 

What is the other £4000+ for then?

 

 

I have basically the same on my statement,

 

Early repayment and deed release fee - £190

Early redemption fee - £3800ish!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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So the £150 is to cover their costs of ending the mortgage.

 

What is the other £4000+ for then?

 

 

I have basically the same on my statement,

 

Early repayment and deed release fee - £190

Early redemption fee - £3800ish!

 

It's for early redemption isn't it? Surely you can see the value for money there? :razz:

 

Maybe we need a separate 'sue your mortgage company' sub-forum or something..

If my reply or advice was helpful, please click the scales!

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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Wow, I nearly fell off the chair when I saw this thread! I sold my house last November, and amongst other figures on the redemption statement I had £56.44 late payment interest charged, £462.75 'miscellaneous fees', £150.00 vacating fee, and a £4,388.36 early repayment charge.

 

Already served a DPA request on them a few weeks back and it's been delivered, so just waiting for their reply.. however in the meantime, anyone fancy a guess on whether I'd be able to get back any of this? Quite happy to donate 5% to the forums if I win, would be 10% but I need the cash :(

If my reply or advice was helpful, please click the scales!

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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