Bradford & Bingley mortgage fees

[Foxyflugel]

Hi all

Is it still possible to claim these back? My OH had a mortgage with them and I sent a letter asking them to explain these charges and what they were for. Subsequently, I got a fob off letter back and then had personal problems so never pursued it.

The charges were: -

£140 exit fee
Mortgage related insurance figures
Litigation fees
Additional interest
Estate/Auction fees
Miscellaneous charges

Has anyone had any experience with this?

Thanks in advance

Foxy :tinysmile_twink_t2:

[FlamingParrot]

Re: Bradford & Bingley mortgage fees

I'd be interested in this as I also had a B&B mortgage although it was a long time ago.

As far as I know the B&B went bust, when I got the mortgage I was given some shares which I never sold and they just disintegrated in 2008!

When did your OH have his mortgage Foxy?

[Foxyflugel]

Re: Bradford & Bingley mortgage fees

Thanks for your reply FP.

He took it out in 1998 and sold his house in 2004 - so technically made his last payment within the last 12 years as I remember someone saying that with a secured loan you can go back 12 years from last payment. This is why I need to sort it sooner rather than later - although I do have a reply saying that they cannot explain the charges as it is not their department.....TYPICAL FOB OFF! :tinysmile_aha_t:

My OH got his shares and sold them.

Thanks FP.

[FlamingParrot]

Re: Bradford & Bingley mortgage fees

Thanks for your reply FP.

He took it out in 1998 and sold his house in 2004 - so technically made his last payment within the last 12 years as I remember someone saying that with a secured loan you can go back 12 years from last payment.

How uncanny! I also took out the mortgage in 1998 and sold the place in 2004!

I'm not sure whether I also paid those charges out of the proceeds of the sale, I may still have the paperwork somewhere, I'm not big on throwing stuff away.