Mortgage Company claims

[Bona]

Slowley slowley catches monkey at the moment they are adamant that they do not owe us any money my accountant and Barrister say otherwise We have a costs hearing on the 6th August where we are claiming back 50 % of the costs on our account ( solicitors) and we are in email touch with there solicitors if we get nowhere we willissue a part 8 application in the high court for them to give an account of the penalty charges , there erc ect and see what hppens

[Mochamoos]

I forgot you were going after GMAC Bona, hows it going?

[Bona]

Im going for GMAC penalty charges and erc and costs

[Mochamoos]

Am thinking of tackling the Halifax Mortgage peeps, their charges consist of :

Higher Lending Charge NOT SURE
Missed payment fee YES
Sudry WHATS SUNDRY, NOT ON ANY OF MY STATEMENTS?
Arrears Admin Fee YES
Deeds Despatch Fee SOME COMPANIES YES

My question is: are these all ok to claim for, and is there anything I should beware of ?

OTHER THAN THEM BEING TOUGH COOKIES? HOW MUCH DO THE FEE'S COME TO? MORTGAGE COMPANIES ARE ALOT HARDER THAN BANKS AS THEY HAVE ALOT MORE TO LOSE IN MY OPINION.

sapphire

Same questions as above except against GMAC:

Unpaid DD fee YES
Arrears Fee YES
I'm leaving off the early redemption interest - Yes. YEP ERCS AND ANYTHING RELATED BARGE POLE LENGTH AT THE MOMENT

Thanks hun

sapphire

Cetelco holds the same opinions as me when it comes to penalty charges and mortgage companies. You will be rely on slightly different case law than banks, like bridge vs campbell.

The main thing is to be 100% prepared have all you dpa stuff...(difficult to get from some of them) and loads of reading and harrassing!

Have you had exit fee's from your mortgages?


more later must ahve dinner

Same questions as above except against GMAC:

Unpaid DD fee
Arrears Fee
I'm leaving off the early redemption interest - Yes.

Thanks hun

sapphire

Am thinking of tackling the Halifax Mortgage peeps, their charges consist of :

Higher Lending Charge
Missed payment fee
Sudry
Arrears Admin Fee
Deeds Despatch Fee

My question is: are these all ok to claim for, and is there anything I should beware of ?

sapphire

[Mochamoos]

Hello Bona, nice to see you here.

[Bona]

vat

There is the assumption that the client has to pay VAT if you are the third party ie if a solicitor charges the mortgage company VAT they then pas that charge on to you it is incorrect if the mortgage comapny isVAt registerd they can claim it back at no cost to you