Claiming Loan And Mortgage Charges (merged)

HEADACHE

Hi,I paid off a mortgage a while ago but when I had the account I was sometimes late with monthly payments and incurred late payment fees of £50 a time.They also charged me for a "failed direct debit" of about £30 aswell.I would like to claim these back.It amounts to a few hundred £.Do I approach this in exactly the same way as the bank charges? Can anyone help? Theyre just rip off fees exactly the same as the banks charge.:mad:

Thanks in advance!:T

princesskez26

HEADACHE wrote: »

Hi,I paid off a mortgage a while ago but when I had the account I was sometimes late with monthly payments and incurred late payment fees of £50 a time.They also charged me for a "failed direct debit" of about £30 aswell.I would like to claim these back.It amounts to a few hundred £.Do I approach this in exactly the same way as the bank charges? Can anyone help? Theyre just rip off fees exactly the same as the banks charge.:mad:

Thanks in advance!:T

Yes you can claim these back also and in the exact same way you reclaim the bank charges,

Good luck

Kez

no_more_debt_2006

I use to have a loan with the beggars, and about 2 years ago I settled this. Can I claim back the charges from them for the 4 years??

thanks.

LozBingley

Can I refer you to this reply ...

http://forums.moneysavingexpert.com/showthread.html?t=497027

bearayre

Hi, don't know if this is in the right place or not! A few years ago we had a secured loan with paragon personal finance. We eventually paid it off. While we had it, we were charged late fees of £25 (at least) on quite a few occasions. Is it possible to claim these back?

LozBingley

bearayre wrote: »

Hi, don't know if this is in the right place or not! A few years ago we had a secured loan with paragon personal finance. We eventually paid it off. While we had it, we were charged late fees of £25 (at least) on quite a few occasions. Is it possible to claim these back?

Any Late Charges and Failed Collection Charges from the last 6 years (from the time of your first request) can be claimed Same principle as Credit Card Charges

Read
http://www.moneysavingexpert.com/reclaim/bank-charges

And this for more help and addvice
http://forums.moneysavingexpert.com/showthread.html?t=400981

JonandSuz

Hi - I had a loan with Ali and Leicester, ive paid it back now - but over the years I have £100's of charges. Is it possible to claim these back aswell?
Many Thanks

natweststaffmember

yes if they are penalty charges you can claim them back the same way as bank charges. Can you just say how much were the charges per time?

JonandSuz

Hi - They were £30 each time...

Scott101

Hi, Ive just registered on this site as I had a letter this morning from HSBC about my request to see my loan charges.

Ill quote their response:

We note that the account you are requesting statements for, as mentioned above, is a Loan Account. As this will not have incurred charges in the same manner as a current account, we have not provided this information to you.

I used the template letter from this site to ask for these charges but it seems not to have done the job. So how do I go about asking for this information?

*EDIT* Just got off the phone to them and they said the charges for my loan were applied to my current account. Still waiting to hear back from them about that. Its been 34 days so approaching the 40 day time limit.