Claiming against bank which does your mortgage (merged)

dacado

Not 100% sure have een on a post that it should not affect any other accounts , loans etc as held under seperate agreements.

Taffyfella

BELGARIAN wrote: »

I am interested in getting my charges back but am unsure how this will effect my mortgage with the same bank could there be any repercussions in get back charges on my currant account?

Also have many people had much success with Barclays and how likely is it they will close my account?

Your mortgage is a seperate agreement, this will not be affected

Taff

spearce13_2

I am about to claim for unfair bank charges for last 5 years. My mortgage is with the Royal Bank also...Could they turn around and say they are closing all my accounts including my mortgage account ?

Can they do this ...does anyone know..

lil_redhead

Im very interested in doing this and am currently looking at opening a new bank account as suggested. Has anyone ever had their bank account closed after doing this? Also has anyone had any problems with any other products they have with that bank ie. a personal loan?

lil_redhead

I've just read HSBC (merged) and as regards loan & mortgage agreements they can't touch them... phew! But thanks for reading!!

Have a nice day... tis gorgeous outside!

Suzanne_Catherine

Hi, this is my first thread posted! I'm thinking of claiming my bank charges from the Abbey. However, my mortgage is with them too. Would they try to close my mortgage account as well as possibly my current account?

Look forward to hearing if this is the case.

finley_2

I want to claim back my bank charges but I'm worried about what will happen afterwards, I don't mind the account being closed as I have opened a new one and am in the process of transferring everything over, but I also hold a mortgage and loan with the bank and it is these I'm worried about, I'm assuming they cannot cancel either of these does anyone know if this is true ?

Kurt_Hamster

A loan comes with a contract. If you haven't defaulted on the contract then neither can they by calling the loan in.

finley_2

Thanks thats what I was thinking.

rhi22_2

Hi Suzanne,

Your mortgage should be covered by a completely seperate agreement to your current account.

My boyfriend has a mortgage with the same bank as his current account (HSBC) and he is reclaiming his bank charges.

If in doubt, check your mortgage agreement for any written clauses to this nature.

Good Luck,