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Mortgage Account Fee


reclaimone
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Are they arrears fees?

A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.:D

MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug.:confused: . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct:D

CCA sent 1st Credit 11th August, reply 15th Aug

Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.

Still to come: Cap. One, Time retail, HFC Bank.

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Hi, yes you can claim these but it is only advised if you have paid the mortgage off. The reason for this is you may need them to be sympathetic to you in the future.

However I do know of a case where a member was in arrears, she went to court for a repossession heairng and brought the charges up to the judge. She worked out that of the £75 of the arrears payment she would only be taking £17 off the figure due to the arrears fee and interest on the arrears. The judge agreed and the charges were stopped.

If you are in a similar position then I wuld suggest you complete an income and expenditure form and show the calculation. It should be something like the following:

Mortgage per month(a) + Arrears Agreement(b) = Total due per month ©

 

Total Due © - Mortgage payment (a) - Arrears charge (d) = total paid off the arrears (e)

 

So for example if your mortgage is £500 per month and you have an arrangement of £70 for arrears but your being charged £25 then only £45 is coming off the arrears per month then interest is added so its even less. Its worth a shot if you have a court order to apply to the court for another hearing to discuss the payments

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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Oh ok, sorry for blinding you with calculations :D who was the mortgage with? Some mortgae companies are easier to claim from than others so please be aware that each case does raise a risk

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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  • 2 weeks later...
  • 3 months later...

Hi John,

 

Just had letter back from Bradford & Bingley saying charges are lawful per terms & conditions?

 

Where do i go next - issue a court claim, or go to Financial Ombudsman?

 

Also I have noticed a litigation fee, and credit collection admin fee?

 

Can I claim for these?

 

Bri

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  • 2 months later...

Hi,

 

Received a letter today from B & B. They basically said they will pay back two unpaid cheque fees BUT:

 

Will not pay back the arrears fees. They say early indications from the FOS are that they are happy with the charging structure, having seen internal budget and costings.

 

There basically saying going to the FOS will be a waste of time.

 

Anybody/moderators have any ideas?

 

Thanks

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  • 2 weeks later...

Hi

 

I think they are trying to scare you off.

I would carry on. Court of FOS it's your decision. The FOS is a free service to you but they charge the firm concerned. They are a bit slow though but you usually get the same result as you would in court.

 

I have a claim against a mortgage company with the FOS, has been with them since Sept but they say they are very busy! I can wait though,more interest in the end;)

 

Hope this helps.

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