Mortgage exit fee

Foxy_Phil

Is it still possible to claim back money on Mortgage exit fees. My wife and I paid the Halifax £2,000 pounds in July 1998 to pay off our mortgage but we don't have any details of the mortgage contract any more.

dunstonh

Is it still possible to claim back money on Mortgage exit fees

No change from the position it has been for a number of years now. If your lender charged you more than your contract stated then they should refund the difference. If they charged you what was agreed in the contract then you get no refund.

My wife and I paid the Halifax £2,000 pounds in July 1998 to pay off our mortgage but we don't have any details of the mortgage contract any more.

That doesnt sound like an exit charge. That sounds like an early repayment charge. Exit charges are typically no more than £499 (most around the £250 mark)

roonaldo

Your chances are almost nil-
1. Mortgage repayment charges are allowed, providing they charged the correct figure setup in your t&c's. If you didnt want to pay it you should have kept the mortgage.
2. I would imagine your complaint would also be time barred as this occured 16 years ago.