mortgage arrears charges

bigbear26

I know this has probably been asked before but can you claim back mortgage arrears charges from your provider as I have a court agreement with the lender for repaying back arrears owed, but they are still charging me £40 a month for arrears charges. In total there are 43 charges and I have written to the provider and they have said that the charges will stop as from now but they will not refund the charges already made, can they do that?

dunstonh

I know this has probably been asked before

yes.

can you claim back mortgage arrears charges from your provider as I have a court agreement with the lender for repaying back arrears owed, but they are still charging me £40 a month for arrears charges.

Which they are allowed to do. The court may set the payment but it doesnt stop them adding the charge.

There has been limited success with claims on arrears charges. Far less than the other things people claim back. Mainly as most lenders do package it as covering a service involving higher qualified/more expensive staff and processes.

opinions4u

I don't usually post a populist message on here, but I think charges like this for people who have slipped in to arrears and have made and kept to an arrangement to correct the situation are an abhorent evil that once reputable lenders are now cashing in on.

A charge for being advised that a payment has been missed, I can handle.

A charge for making an agreement to pay less than contracted where a personal situation requires it, ok, perhaps.

A charge for breaking that agreement? I could go with that.

But a monthly charge for continuing that agreement when a customer is paying what has been agreed?

It's rotten to the core.

(As ever, Dunstonh's answer is correct).