Woolwich nightmare - what steps to take

VIGILANT22

Conrad wrote: »

A small claim is totaly unecessary. You need to use the FOS. The small claims court have no knowledge of the FSA's TCF system which should ensure you get a fair outcome.

Also you say you paid £2500 - this makes no sense whatsoever. Normally the most you pay a lender is the sum of the valuation fee.

Quote: "for the mortgage arrangement fee and valuation"

It would appear they chose to pay the arrangement fee up front to avoid this being added to the mortgage but not to have this refunded sounds odd.....however I understand they charge a withdrawal fee....

Charterhouse

Conrad wrote: »

Also you say you paid £2500 - this makes no sense whatsoever. Normally the most you pay a lender is the sum of the valuation fee.

Err, in what world? Some people don't like to add the fee to the loan....