Nationwide overpayment reserve.

Claireybeau

So for the last 10 years we have had our mortgage with Nationwide and making regular overpayments - now adding up to about 36k in the Overpayment reserve. We are now due to pay off our house early next month - owing only just under 3k so I rang to speak to Nationwide and I am now very confused....

I asked what fees we had to pay off - any ERC etc and he said none and implied that we would get money back and I am confused as it sounded like we were getting the money in the Overpayment reserve back??? I assume that the money we had been paying off came off the mortgage and the reserve was for info sake so that we didn't overpay too much and trigger any early repayment charges...Think perhaps I had a call handler who's wording was a bit misleading ...very confused