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Nationwide mortgages
Nationwidevictim
Posts: 1 Newbie
dunfermaline went into administration and now nationwide cant provide me with my mortgage agreement, i have requested it and done a dsar but they dont have it what should i do ? My Dunfermline mortgage was only for 87k and nationwide have added over 20k to the balance in unfair charges and have tried to repossess my house once ?
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Comments
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more info required.
why have nationwide added charges?
have you defaulted?
what stage is repossession at?0 -
Your original mortgage will have no real relevance. Do they agree they inherited/bought an £87k mortgage from Dunfermline?
Assuming they do, your dispute is over the £20k rather than the £87k. Ask them for a breakdown of those charges.
See which you dispute and then go down the complaints process.I am a Mortgage AdviserYou 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.0 -
Why? Aren't the charges set by the original agreement? If they are, the OP does need the agreement to challenge the charges.ACG said:Your original mortgage will have no real relevance. ...0 -
No.grumpy_codger said:
Why? Aren't the charges set by the original agreement? If they are, the OP does need the agreement to challenge the charges.ACG said:Your original mortgage will have no real relevance. ...
If you took out a mortgage in 2000 and someone else took out a mortgage with the same lender in 2020 - the fees they incur for various things would need to be the same.
If someone does a 35 year mortgage and never moves lender, the late fee might be £20 today. But in 35 years time, that might only be the equivalent of a fiver and doesnt cover the work involved (just an example with numbers pulled from thin air).I am a Mortgage AdviserYou 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.0
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