Claiming Loan And Mortgage Charges (merged)

lost_but_looking

can i claim back late payment charges for my car loan with black horse???
having gone through it i've been charged £200 a yr ago for paying late as i didn't know my dd had failed and i racked up the charges from them as they didn't inform me for a month untill just before the next payment was due!!! it was something like £30 for first 5 days then extra for each 5 days late then on!!!

please advise

Edinburghlass_2

Although no-one has reported a success as yet it would appear that you can reclaim charges on a loan account.

Worthingben

Lets say I'm experienced with loans, and even more experienced with not paying them back.. however I have never neen charged for this, at least i think I haven't and I'm VERY clued up now on all my finanacial maters past, present and yet to come...

I'm interested in how you were charged etc.... cheers

ben

dezzy

Ive just reclaimed £680 from Barclays and was wondering is it possible to reclaim missed mortgage payment charges using this system

tia

SUFC

pigginsexy wrote:

Who is your mortgage company, if you dont mind me asking. Have you put a search in on the forums for them... You never know you might find someone else with them who can give you advice.

I would not think that they can take house off you. I cant see a court allowing that just because your claiming money from them that is rightfully yours in the first place.

Hi, I notice you've asked for statements from Birmingham Midshires. Have you received them yet & if so do you understand them? I got mine back & they were full of excess fees & capitalisation fees. I have no idea what these are, i presume they are late payments charges,etc. I have rung the sender of the statements as invited to do on the letter that came with the statements but they haven't rung me back yet. Thanks,SUFC

ask2006

Like many people we have struggled now and then down the years to pay our mortgage. Our mortgage is with the Woolwich and they waste no time in hammering us with a £40 charge if our account is in arrears by a month, and of couse when you have arrears and are trying to pay a little extra each month to clear the debt they continue to charge that £40 each month.
I know that people have reclaimed money from Bank account charges but my quetion is this. Can i reclaim all these charges paid to the Woolwich for charges for being in arrears with my mortgage payments?
I have serched the web and can only find a few references to these charges, have people taken their Mortgage provider to task on these charges or is it a non starter. I do not want the cash in my hand but would want the charges and interest taken off my outstanding balance.
Many thanks in advance
ASK

miko

Hi. Re reclaiming bank charges: Do the same rules apply to Credit Card Companies and Mortgage Companies. I remortgaged twice and their charges were very high if i missed a payment etc. Any thoughts.
Thanks in Advance

Miko

GirlRacer_2

Hi Guys,

Have been going through my paperwork and I had a Personal Loan with Northern Rock which I finished paying off in October 2006. Prior to this Northern Rock absolutely hammered me with some charges. Am I allowed to claim these back. I've reclaimed charges from credit cards but not loan companies. Can this be done?

jimmyjames_2

Can I do this?

Do I use the same template for the initial letter?

Anybody had any success against mortgage companies?

If so, if my mortgage was with Northern Rock does anybody know the address to get the statements back.




Apologies if this has been posted before but any help would be greatly appreciated.

Thank you in advance

Jimmy

Livs_Mummy_2

JUst wondering can you claim these back and has anyone done it ? thanks im with Northern rock