C&G Fun and Games

Bill_Bixby

Following an endowment maturity I tried to make a large overpayment to my C&G mortgage this week. I'm in the position where the mortgage is in base rate plus and non-fixed so figured a payment of £25,000 would take me close to almost completing my mortgage - certainly on target to sort it over the next 2 years.

I call C&G get given the bank account and sort code to pay into, go onto my online banking and get a can't pay using this method. Call C&G again get told I can go into branch and make the payment using my debit card... so off I go.

Branch say I can't make that amount of payment using my debit card and I should go to my bank and get them to make the payment.

Go to my bank they tell me the sort code 30-00-00 will not accept CHAP payments above £5k

Call C&G explain the run-a-bout and they can take a payment over the phone by debit card until I tell them the amount... Oh. I ask if I can make separate payments of £5k and yes I can do that, if I do one per day.

C&G's advice go take the cash from my bank and take it to their bank to pay it in... Welcome back to 1980!!! Should I wear a sign saying mug me too?

So, seriously is their best advice to go pay my mortgage in cash?

I asked about cheque payment and yes I can do that if I make it out to CASH and write my mortgage account number on it. Really!? I have to get through two factor security for online banking, security questions for phone banking, but to pay a large amount of money I must use two of the weakest methods of fund transfer!

Not even funny.

Jimbo1976

Can't see an easy method online.

There is a number on this page. Try calling it and explaining.

Good luck.

http://www.cheltglos.co.uk/mortgages/Your-Account/Payments/Regular-and-lump-sum-overpayments

Bill_Bixby

Sadly that is the exact number I have tried and failed with.

Other than stating you can make a lump sum payment it doesn't explain how. Make adjustments to make regular overpayments is easy, just a phone call. But for a one time lump sum, I'm bashing my head on the desk

Jimbo1976

Sorry

It seems ridiculous that you are being given the runaround.

Try ringing the freephone number on here https://www.cheltglos.co.uk/mortgages/Your-Account/How-to-complain

Make sure you tell them that you expect them to waive the interest they have charged you since you first attempted to make the lump sum reduction.