Charges for mortgage late fees

Polovski

Anyone know if you can chase fees charged to you by a mortgage company for a direct debit bouncing in the same way you could ask for them from a bank?

Many thanks:beer:

inmypocketnottheirs

Yes, they are exactly the same. A penalty charge that is unenforceable. Go for it!

Polovski

Thank you - it's only £60 but hey - beggars can't be choosers!!!

inmypocketnottheirs

Polovski wrote: »

Thank you - it's only £60 but hey - beggars can't be choosers!!!

No problem, as I say its better inmypocketnottheirs!

almond

what letter are you going to use? I have £35 from dec 06 when I changed
the date of my dd and it was to late for the abbey to change but they still
charged me.

Polovski

do you think this one is ok?

I would like to request a refund of all the default charges that have been applied to my account. Under the Unfair Terms in Consumer Contracts Regulations 1999 charges must reflect administration costs and cannot be punitive. I believe that the charges applied to my account on 1st September 2006 and 1st October 2006 are unlawful as they do not reflect the true cost of the handling charge of an unpaid direct debit.
You have taken a total of £60 from me and I would like to request repayment of this. I also ask you to ensure any default notices entered against my credit record are removed entirely.
Please repay this money in full and remove any default notices within 14 days.


any comments would be appreciated - i was goin gto send it tomorrow:beer:

toonfish

they may repay the money, but I can't see why they would remove the default notices - you didn't make the payments.

inmypocketnottheirs

Polovski wrote: »

do you think this one is ok?

I would like to request a refund of all the default charges that have been applied to my account. Under the Unfair Terms in Consumer Contracts Regulations 1999 charges must reflect administration costs and cannot be punitive. I believe that the charges applied to my account on 1st September 2006 and 1st October 2006 are unlawful as they do not reflect the true cost of the handling charge of an unpaid direct debit.
You have taken a total of £60 from me and I would like to request repayment of this. I also ask you to ensure any default notices entered against my credit record are removed entirely.
Please repay this money in full and remove any default notices within 14 days.


any comments would be appreciated - i was goin gto send it tomorrow:beer:

The letter is fine, but as toonfish says above you may struggle to get the default notices removed.

Worth a try though, and good luck!!!

_Andy_

Why do you think the company should remove the default notices? You've broken the terms of the mortgage contract by not paying/paying on time.

Polovski

_Andy_ wrote: »

Why do you think the company should remove the default notices? You've broken the terms of the mortgage contract by not paying/paying on time.

For exactly the same reason the banks should pay - the charge does not reflect the cost incurred to them. I paid the next day by debit card, we had set the DD to go out of the wrong acc and had the first payment sitting in the wrong acc waiting! Then i paid the money into the bank the day before the 2nd payment and even though my bank say it was in in time (and they haven't charged me) themortgage company say it wasn't so again i paid them straight away by debit card.

I hardly think being a day over on each payment makes for a £60 loss to the mortgage company:eek:

Polovski

_Andy_ wrote: »

Why do you think the company should remove the default notices? You've broken the terms of the mortgage contract by not paying/paying on time.

apologies - i see what you mean now, the default notices. I actually don't much care about them - they were on the letter i copied from a site. Should i remove that part?