Reclaiming M.E.A.F's - its as easy as this !

ezglide1450

After reading Martins website I contacted all my previous mortgage lenders and asked them to look into what I had paid HALIFAX were first and easy to deal with They admitted I had paid £75 in 2002 on redeeming the mortgage when I should have paid £40 the 1998 fee when I took the mortgage out A £35 cheque in the post for 2 minutes on the phone. STROUD and SWINDON were slightly harder to crack Initially a cheque was sent for £10 with a covering letter agreeing to revert back to the 2003 charge of £115 when I had paid £125 in 2006 on redeeming the mortgage taken out in 2002. I decided to take it a step further and challenged them again as to the cost being excessive as experts stated the true cost of redeeming a mortgage was between £35-£50 to the lender.They accepted my challenge and agreed to refund a further £65 thus only charging the £50 I stated was fair against the original £125.I have also been in touch with LLoyds/tsb (now Cheltenham and Gloucester) and Natwest homeloans and am awaiting the outcome of these although I have had an initial knockback from Natwest who charged me £85 I havnt given up on them yet !

Also just saved £175 a year on gas and electric not by changing suppliers but just checking on the most competitive plan from my existing supplier and switching from energy online to extra saver 5 thier latest tarrif

Martin Lewis - your my hero !!!!!!!!!!!!!!!!!!!!!!!!

ezglide1450

Update 22/2/08 - just heard from Lloyds bank ( now Cheltenham & Gloucester) mortgage opened in 1993 when no closing fee had been introduced redeemed in 1998 and charged £50 result of complaint is a refund of £50 plus £37.52 interest = £87.52 total