Reclaiming Mortgage Cgarges - Help

andrew2003

CAN ANYONE HELP- DOES ANYONE KNOW WHERE I CAN FIND OUT ABOUT THIS
I sent first letter to my mortgage company to reclaim non DD charge of £50 a time and late payment charges of £50 a time on the first letter they basicly said there charges are in line with everyone else, and would not refund anything i sent them second letter and then they said that they still stick with there first letter and that if i want to take them to court that is within my right and send them the summons but i will incure additional legal cost on top of what ever i owe them does anyone know if this is true and has anyone took a mortgage company to court any advise and they also told me to send the summons to there po box trading address not the registered address any advise on this aswell.

arkie

andrew2003,
it looks like the lender has got you over the barrell, the costs etc would have been set out to you in a booklet which came with your mortgage offer, at that time , you also would have signed a form to say that you have accepted the terms and conditions of the mortgage., if you didnt sign this form, your mortgage would not have completed.
not sure about the po box number though cant help you there

andrew2003

ok i know i signed the t&c's but like it says on this site even if you signed the t&c's to bank accounts it doesnt make them legal and you can still claim the chages back but does this rule apply to martgages.