Help yet again please guys

GirlRacer_2

OK so following the advice of you lot on here I have successfully reclaimed bank chanrges from 2 Halifax accounts, Barclaycard and Capital One. :j Now I'm sitting here this afternoon thinking long and hard about who my next victims are going to be. I had a secured loan with Sterling Credit and I know that when me and ex split up there were massive charges as neither of us paid. The loan is paid off now, can I reclaim any charges? Also I had a Birmingham & Midshires mortgage for 2 years and I know there were charges on that account, can I also claim those back?

I know I should ask on the Re-claim charges board, but I've posed questions in the past and nobody has replied, so as this is my first home I thought I'd try you guys first.

lynzpower

yes you can definately claim on the mortgage. Ive got a claim in process at the mo

Not overly sure about the secured loans, but do try consumeractiongroup.co.uk I kow there was lots of chat bout this a few weeks back .

GirlRacer_2

Thanks Lynz. Don't mind me asking but what are you claiming at the moment with your mortgage company, is it charges for missed payments? Am interested in the early redemption charges that everyone is raving about, but firstly don't know if I paid any and secondly I don't know how much exit fee is classed as reasonable.

Snaggles

The exit fee has to be what it said on your original paperwork - if they've charged you any more than that, you can claim the difference. Good luck!

GirlRacer_2

Thanks guys - How sad am I - sat here on a sunny Saturday going through all my old statements planning who to target next!

Snaggles

We're all sat here too though....so we must be sad as well lol!

GirlRacer_2

Money saving is constantly on my mind. I've cut my monthly direct debits down to the bare minimum, I've changed every supplier to the cheapest, I've re-negotiated my mobile phone tarif, I've switched to cheaper mortgage protection, I've joined every cashback site available, I'm clicking everywhere every morning and now I'm actually racking my brains for all the people who have charged me unfairly.

I've become obsessed