MSE News: Thousands of Santander mortgage holders could get payouts after blunder

almond

hpoolandy wrote: »

Was just wondering if anyone has had any phone calls i was getting them last week saying my form was wrong as it was dated 2008 and they wanted me to do it over the phone to do the questions for my status in 2011 they had sent me two forms one dated 2008 and one 2011 they were quite persistant on the phone and i didnt have time anyway as i was at work iv also lost my letter and asked twice for a copy which they said they will send out and havnt is it the who do i complain to over the way they are going about this

hi hpoolandy
somebody said you have a copy of feb 2006 t&c , could you check them against mine, I listed all the pages on one of my posts,
mine is missing 11-18 and a few pages are the same
cheers

hpoolandy

almond wrote: »

hi hpoolandy
somebody said you have a copy of feb 2006 t&c , could you check them against mine, I listed all the pages on one of my posts,
mine is missing 11-18 and a few pages are the same
cheers

Iv checked and all my pages are in order

also to fishing mad there is a wording difference in 10.3 and 10.7
Sorry for late replys people there just isnt enough hours in the day

almond

hpoolandy wrote: »

Iv checked and all my pages are in order

also to fishing mad there is a wording difference in 10.3 and 10.7
Sorry for late replys people there just isnt enough hours in the day

so do you reckon mine could be a one off , with the pages missing
:T

hpoolandy

almond wrote: »

so do you reckon mine could be a one off , with the pages missing
:T

Seems a bit strange how them pages are missing its a shame more people who view this thread dont post you might find out

almond

just got my letter saying looked at case and not affected, will scan later and post

almond

this is what my letter says
sorry about increase WE ARE ALLOWED TO CHANGE THE CAP UNDER THE STANDARD MORTGAGE CONDITIONS APPILCAABLE TO YOUR MORTGAGE
Can't uphold my complaint , says doesn't not consider I would have switched.
goes on about rates,
interesting part I note from your questionnaire that you told us you would have moved your mortgage during early repayment charge-free window in December 2008. however this option was not available to customers on a fixed rate mortgage at the is in line with the terms as detailed in your smc.
just goes on about rubbish after that but the some of above is important I think , will wait for all your letters to arrived before next move

almond

that's what I thought, our t&c are different , I knew I would get turned down but the fight starts now
just wait for you letters to start arriving

AJS33

Hi All

I have read the posts on here regarding this Santander stuff and am a little confused, my partner had a mortgage with Santander in December 2006, he just rang Santander and they said he was not affected as he didn't have an Abbey mortgage. Aren't they all the same company as Santander bought Abbey in 2004.

Is this correct info or is it a fob?

A

kingstreet

AJS33 wrote: »

Hi All

I have read the posts on here regarding this Santander stuff and am a little confused, my partner had a mortgage with Santander in December 2006, he just rang Santander and they said he was not affected as he didn't have an Abbey mortgage. Aren't they all the same company as Santander bought Abbey in 2004.

Is this correct info or is it a fob?

A

Not if he was originally an Alliance & Leicester borrower in the first place.

TJI999

I have received a reply from Santander rejecting my claim which I find odd as when I initially spoke to someone they implied I may well have a claim.
I had a 2yr fixed rate mortgage in 2008 at 5.84%. They are saying the margin increase affected my mortgage when the mortgage reverted to the SVR. My issue is that I was not made aware of this increase as I received no notification of it.
As I have not changed mortgages since, they have decided that on the balance of probabilities I would not have changed at the time. This isn't the case though as I definitely would have looked at other options at the time had I known and fully understood, particularly as I got married in 2009 and circumstances changed.
Is it the case that if on reversion to the SVR you didn't immediately change mortgages, you do not have a case?? I'm very confused about just who is able to claim with this.
I'm considering going to the ombudsman - does anyone think it's worth it?