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Mortgage charges

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Janetannh
Janetannh Posts: 1 Newbie
in Reclaim mortgage fees, council tax, etc
Since hearing Martin's advice about keeping statements forever I decided to claim from my mortgage company for the excessive charges I incurred whilst I was struggling to maintain a mortgage after I divorced. Bottom line is the ombudsman has just informed me the BS has refused to look into it because I'm out of time. Is there anything I can do? :mad:

Comments

  • Nasqueron
    Nasqueron Posts: 10,781 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    If the BS has correctly applied the time bar rules then, beyond trying to take them to court (which you really don't want to do) no unfortunately not.

    It doesn't help in your case but the rules allow all records of a debt you owe to be wiped after 6 years even if you never paid a penny back, so it works both ways

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • dunstonh
    dunstonh Posts: 119,797 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    You have three years from the event you are complaining about or six years from the commencement of the product (whichever is longer) to make your complaint.
    Is there anything I can do?

    The provider says no. The ombudsman says no. The answer is no.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • magpiecottage
    magpiecottage Posts: 9,241 Forumite
    1,000 Posts Combo Breaker
    Nasqueron wrote: »
    If the BS has correctly applied the time bar rules then, beyond trying to take them to court (which you really don't want to do)
    The time limits for going to court are stricter than the FOS route, so that way will also be closed.
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