Claiming against bank which does your mortgage (merged)

sjpsam

bengal-stripe wrote:

Presuming the mortgage account is up-to-date with payments, there is nothing to worry about.

A mortgage is completely separate from your current account (unlike an overdraft, which can be called in).

My current account is tied in with my mortgage it is the way that Virgin one account ( now called The One account ) works, you were supposed to offest your current account, so basically its like a glorified overdraft, in working out just the last 2 years my bank charges are up to over £2k :mad:

We are behind with our plan, but we are not over our facility with them, at the moment we are jsut paying the interest and no capital on it

sjpsam

John_G66 wrote:

Do you use their on line banking ? If so then you can go back as long as you want and look at your statements on line.

I do use the online banking but it only gives you 30 days at a time, I have looked on there but can't seem to go back any further on it

John_G66

sjpsam wrote:

I do use the online banking but it only gives you 30 days at a time, I have looked on there but can't seem to go back any further on it

click on view transactions and then click on filter, you then input your 'from' 'to' dates, go back as far as you require.

muffy2007

Can anyone tell me if they ask you to close your account after reclaiming charges, is it just your current account/savings? Or can they make you move your mortgage/loans etc. All mine are with the HSBC I do not want to try and reclaim my charges if they can make me change my mortgage. Can anyone advise? Anyone had dealings with the HSBC how do they react?

sjpsam

John_G66 wrote:

click on view transactions and then click on filter, you then input your 'from' 'to' dates, go back as far as you require.

thank you i'll have a look

Does anyone know though how I stand with them closing the account, as the mortgage is tied into my current account

WOZBALDY

1st things 1st hi to everyone this is my first post

i want to claim back my bank charges i have checkked my last year and a hallf and i have been charged over £500.00,and thats with me trying to be good with my account
the only problem is my mortgage is with the same bank should i still go ahead or can they shut my accounts and ask for their money back for the mortgage
cheers in advance
woz

[Deleted User]

Personally I'd go ahead. I just claimed mine back £947 of £1300 and they havent asked me or indicated that they want me to move banks and I still have a £3500 loan with them. At they end of the day they want their money. How likely would they be to get it if they closed your accounts and demanded payment now. Not very, more likely they'd get whatever came to them from bankruptcy lol

Natalieee_2

Your Mortgage Is A Seperate Agreement .. Assuming You Are Not In Arrears And Are Upto Date With Your Payments They Cannot Request You Pay It All Off Simply Because You Are Claiming Back The ILLEGAL Charges They Have Applied To Your Current account

xx

maxinejane42

hi I have a current account and mortgage with the same bank and wish to reclaim my bank charges will I have to move my mortgage

Edinburghlass_2

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