Mortgage Exit Fees successes and failures

lorzij

Could not have been easier, the easiest £125 iv ever made!! Just rang up my lenders who both said, 'yes you have been overcharged we will send you a check'. I received it 4 days later! Nice one...Cheers xx:money:

Tigger4

Hi

I wrote off to Cheltenham & Gloucester and Abbey regarding mortgages with them in the last few years. Didn't get anywhere with C&G but got a cheque yesterday for £14 from Abbey. It's not a huge amount but it's £14 more than I had yesterday

I was surprised actually as I had no mortgage number details or exact dates for them. I just said it was about 2 years ago and gave them the address and my DoB.

Marie

mud7dan

Thumbs up! claim anything back is good to try.Its a mine field to me.

triedbutfailed

I used the template letter to try to reclaim fees from the Principality, as my original contract stated £56 fee and I was charged £135 only 3 years later. Their response stated in addition to the 56 was £36 for production of deeds. Therefore the increase ws only of £43 and they had kept me informed and they consider the fees reasonable.

They say this is the final management decision. They have obviously chosen to take strong line. Don't know if it is worth pursuing further?

BenhamsLC

HI, I wrote to the Halifax and they have just said we are due £75.00 back, Thanks Martin:j

kevster1009

The chelsea overcharged me £15, they paid it plus £10 good will. One Letter...got £25. thanks Martin. Mortgage Express next!

ZACOBRIEN

:beer: Just wanted to say I am very pleased with the response I got from the banks I sent meaf letters to, got £53.00 of cheltenham and Gloucester and £130.00 of Abbey National, my husband was pleasantly suprised as he thought I wouldn't get anything.

Thanks Martin
x

MarkyMarkD

triedbutfailed Principality are virtually the only lender who have got the FSA to accept that their fee increases represent reasonable increases in costs. They are taking the moral high ground and the FSA have accepted this. Their Ts & Cs stated that their fee would increase in line with costs, and that is what they've done. I don't think you have a strong case to take things further - IMHO the FOS are not going to uphold a complaint where the FSA have said that Principality's approach is valid.

pearlgates_2

:T thank you martin, i applied for a refund from Northern Rock and within a week had received a cheque for £35 (not a great deal I know but better in my pocket than theirs!!) Have now written to Citibank as I had a mortgage with them until 2002 will keep you updated on this.:j

MSE_Dan wrote: »

This discussion is to report success and failures stories for Mortgage Exit Fee claims in relation to the

Mortgage Fees Article

To report your stories click reply

MarkyMarkD

Hi pearlgates and well done!

A little tip - the reason the original post says

To report your stories click reply

is to encourage you to click "reply" and not "quote", which unnecessarily clogs the thread up with repeated bits of the original post. Hope that helps.