Claiming against bank which does your mortgage (merged)

Juan

I am new to the site, so please excuse me if this has come up before. I am about to write to HSBC to claim back illegal charges. I have read that they can close your accounts for spite. I have a mortgage with them as well. Can they force me to move my mortgage and if asked do I have to.

Regards

Juan

Allybongo839

Hi

I'm about to send my letter off asking for all charges to be supplied for the last 6 years, however I'm getting a bit worried as I have a mortgage with RBS. I don't have any overdrafts on my accounts so couldn't care less if they cancel them as have accounts elsewhere but can they cancel my mortgage?

Thanks in advance

Ally

p.s. I read in another post about them not being able to cancel a loan but nothing about mortgages.

Purplehaze_2

I'm about to reclaim my bank charges from the ABBEY but before I do so I'd like the answer to the following query. I have a mortgage with ABBEY (FRANCE) a subsiduary of ABBEY plc. I have heard after some banks settle the debt they sometimes close the account, ABBEY in particular. I have this covered with another bank account, however could they or would they get in touch with ABBEY (FRANCE) and attempt to foreclose on my mortgage as well???

Purple haze.

brenda22

I have successfully reclaimed £1,196 from Royal Bank of Scotland for my son but I am reluctant to reclaim my own charges as I have a mortgage with the same bank. Does anyone know if they can demand I repay my mortgage? I have never defaulted on it - the bank charges were for going over my overdraft.

Brenda

Rex_Mundi

Your mortgage is a seperate agreement with your bank. No, they shouldn't touch this if you reclaim the charges from your bank account.

jennyowen

I'm claiming against HSBC at the mo but am thinking about claiming my charges back from Abbey too, the only problem is that Abbey also do my mortgage and I don't want to run the risk of them suddenly saying that I have to move the mortgage, can they do this? I won't be claiming against the mortgage account but a seperate current account, any ideas???

nickmack

jennyowen wrote:

I'm claiming against HSBC at the mo but am thinking about claiming my charges back from Abbey too, the only problem is that Abbey also do my mortgage and I don't want to run the risk of them suddenly saying that I have to move the mortgage, can they do this? I won't be claiming against the mortgage account but a seperate current account, any ideas???

As long as your mortgage payments are up to date, they shouldn't touch it.

ShawJohn

Title worded a little strangely I know but I know what I meant

Let me explain a little better;

I have a now dormant current account with Cahoot, on which I have paid lots of charges... But I also have a joint current account and a Mortgage (tied for 3yrs) with Abbey, and I also have current accounts with LloydsTSB (which I am pursueing) and NatWest so plenty of spare bank accounts. Now as I'm sure many of you will know, Cahoot is a subsidury of Abbey National PLC!


Now the question is: If I pursue Cahoot for my charges back, will it affect my joint account and mortgage with Abbey? Most importantly, I don't want any issues with my mortgage!!! Are the two banks (Cahoot & Abbey) systems completely separate or will they both want rid of me? :eek:


John

ShawJohn

Bump.

Can anyone advise, my letters are waiting to be sent

Budgie69_2

Hi

Has anybody been successful with this?

butchbutch

Hi

I am thinking of reclaiming charges off HSBC but am slightly reluctant as i have a mortgage with them. I am out of work due to illness so it is only my husband earning, which means we are unable to get a mortgage elsewhere.

Is there any chance they can tell us to move our mortgage. It will be a huge claim as they have charged me £125 for most months of the year for 6 years!!

Thanks
Joe