We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Mortgage arrears/admin charges
Options

Smurfetta
Posts: 11 Forumite
Hi
I have tried searching board for answer to my query, but cannot seem to locate one
I took out a mortgage with my ex in 1996 with Halifax, and shortly after taking it out i separated from ex hubby. I kept house and although his name was still used on mortgage he was released from any financial ties to it by courts as part of divorce.
Not a couple of tears after my child became very ill and the mortgage started falling into arrears. I began getting mortgage help from benefit agency and although halifax took me to court a record 8 times for repossession I managed to keep hold of property until 2004 when i was so fed up with the constant possession orders I relinquished the property even though the judge was willing to let me keep it due to equity in it and fact payments towards mortgage were being paid from DWP.
Within the period of my having mortgage I was charged admin/solicitors fees totalling 1000s which were added to arrears and on completion of sale of property before I received difference of property price after mortgage repaid etc. Halifax had charged solicitors/admin costs of near on £5000 on what was originally a 32,750 mortgage. Equity i received after sale and all cost/fees paid was in excess of 25.000.
Am I entitled to any of these charges/fees back? I still have all paperwork to do with mortgage and solicitors etc
Thank you in advance for any advice/guidance regarding this matter
I have tried searching board for answer to my query, but cannot seem to locate one
I took out a mortgage with my ex in 1996 with Halifax, and shortly after taking it out i separated from ex hubby. I kept house and although his name was still used on mortgage he was released from any financial ties to it by courts as part of divorce.
Not a couple of tears after my child became very ill and the mortgage started falling into arrears. I began getting mortgage help from benefit agency and although halifax took me to court a record 8 times for repossession I managed to keep hold of property until 2004 when i was so fed up with the constant possession orders I relinquished the property even though the judge was willing to let me keep it due to equity in it and fact payments towards mortgage were being paid from DWP.
Within the period of my having mortgage I was charged admin/solicitors fees totalling 1000s which were added to arrears and on completion of sale of property before I received difference of property price after mortgage repaid etc. Halifax had charged solicitors/admin costs of near on £5000 on what was originally a 32,750 mortgage. Equity i received after sale and all cost/fees paid was in excess of 25.000.
Am I entitled to any of these charges/fees back? I still have all paperwork to do with mortgage and solicitors etc
Thank you in advance for any advice/guidance regarding this matter
0
Comments
-
The short answer is no, nobody is entitled to any fees back
So long as they were properly applied and were all described in the terms you agreed to before you took the mortgage you will not be able to get them backSam 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.
0 -
Thank you for your reply0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards