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Should I get money back from mortgage after I've moved house?
KaratePigeon
Posts: 295 Forumite
I moved house on 7th November, at the start of November my old mortgage provider (HSBC) took the full monthly payment as normal.
At the start of December my new mortgage provider (Nationwide) took the full monthly amount plus about £400 extra 'to cover the first month's interest'. Does that mean for the 3 weeks remaining in November?
If so have I doubled up on those 3 weeks? My mortgage advisor said he'd expect HSBC to refund me some money but this hasn't happened and my account with them is now closed - is it just too soon?
I'm a bit worried as my house sale/completion was a disaster due an incompetent solicitor, so I can't get any advice from him and I don't trust him to have done things properly! I haven't even had a statement of fees etc yet for the move, how long does it usually take?
At the start of December my new mortgage provider (Nationwide) took the full monthly amount plus about £400 extra 'to cover the first month's interest'. Does that mean for the 3 weeks remaining in November?
If so have I doubled up on those 3 weeks? My mortgage advisor said he'd expect HSBC to refund me some money but this hasn't happened and my account with them is now closed - is it just too soon?
I'm a bit worried as my house sale/completion was a disaster due an incompetent solicitor, so I can't get any advice from him and I don't trust him to have done things properly! I haven't even had a statement of fees etc yet for the move, how long does it usually take?
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Comments
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Two threads for you to read also currently on the front page;-
https://forums.moneysavingexpert.com/discussion/6409009/erroneously-charged-via-direct-debit-by-old-mortgage-provider-after-remortgage#latest
https://forums.moneysavingexpert.com/discussion/6409026/halifax-still-charging-me-for-a-mortgage-that-has-been-paid-off#latest
I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Your solicitor will have sent you a completion statement. Did this include that final payment?
Redemption was a week after that payment so is likely to have included that payment.
Only your solicitor and hsbc will know0
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