Is it worth complaining?

Oscar

I'll try to keep this short!

I am remorgageing.

On 03/06/05 I received a letter from the solicitor working on behalf of A&L my new lender to say there was a shortfall in the redemption figure of £3,637.37.This I paid immediately by debit over the telephone.(this figure included a morgage payment of £400.05 which had not yet cleared).

The morgage was to complete on the 16 June 2005.

On 15/06/05 I received a further letter stating there was a £3,390.97 shortfall and that the morgage would complete on 30 June 2005.

I immediately contacted them and was told that this was because The Abbey(my previous lenders)redemption statement was only valid for 7 days. I pointed out that I had paid the amount outstanding well within the 7 days. She acknowledged that their was some fault with them and did not understand why it had not gone through and why I had been sent out a further short fall letter.

She said that she would rush it through to complete on the 20June 2005.

I have just telephoned them to confim that this has happened to be told yes.

However I understood that it was going through at the first redemption figure but it is going through at the second.

I was given the excuse about 5 days for funds to clear before they request money from A&L etc.

I cant help feel miffed that these people have held on to my £3,637.37 for 17 days without doing anything about it. In the meantime I am paying interest to the Abbey on my morgage.

I feel that they have cost me money..maybe not much,but have they?

She did say that they had £350 over paid which she COULD arrange to have forwarded to myself. Should this not have been done?

If they do this with all the customers they will be making a handsome interest!

[Deleted User]

Solicitors normally hold clients money in a client account - or should do -therefore any interest and surplus can be refunded back to upon completion.

When you engaged to the solicitors it is likely they gave you a letter with their terms of business and what to do in the event of a complaint.

If you feel they have acted wrongly you shoukd first try and speak to your solicitor - it may be all that is needed to rectify matters to your satisfaction.

If this gets you nowhere then invoke their complaints procedure. They will have one.

Further information can be found at

http://www.adviceguide.org.uk/index/your_rights/legal_system/using_a_solicitor/index/your_rights/legal_system/using_a_solicitor.htm