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Re: hi to all
That the one although I trimmed it down & didnt bother with interest.
Cheers
Originally posted by labman
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I assume this is the one (with thanks to Money Saving Expert from where this was taken) http://www.moneysavingexpert.com/reclaim/mortgage-fees:
[Insert your name
and address]
[insert date]
[insert name
and address of bank]
Dear Sir or Madam,
Account/reference number: [insert account/reference number]
After the FSA statement on Mortgage Exit Administration Fees (MEAFs), I am writing to complain about the charge on the above account when I exited my mortgage contract with [insert name of bank].
In particular I note that the FSA stated “if a past customer who has paid a higher MEAF to exit complains, he or she can expect a refund of the difference between the actual MEAF paid on exit and the original MEAF.”
[Use this section if you know your fees or delete]
My contract with you stated a MEAF of [insert original MEAF], however, I was actually charged [insert actual MEAF]. I believe this unexpected increase does not reflect the true cost to [insert name of bank]of covering the staff and administration costs involved and I believe I have been unlawfully deprived of the money.
[Use this section if you do not know your fees or delete]
At the time I entered into my contract I believe the fee was in the region of [enter start figure of your lender from the table], however, the fee had increased to around [enter end figure of your lender from the table] by the time I closed the account.
Additionally, I have calculated interest of £[8% per year onto difference of original and actual figure], 8% has been used as this is the rate the courts use for statutory interest, and therefore ask that you repay me the amount of [insert total figure = difference + interest).
I look forward for a full response to this letter within 14 days.
Yours faithfully,
[insert your signature]
[insert your name (printed)]
[Insert your name
and address]
[insert date]
[insert name
and address of bank]
Dear Sir or Madam,
Account/reference number: [insert account/reference number]
After the FSA statement on Mortgage Exit Administration Fees (MEAFs), I am writing to complain about the charge on the above account when I exited my mortgage contract with [insert name of bank].
In particular I note that the FSA stated “if a past customer who has paid a higher MEAF to exit complains, he or she can expect a refund of the difference between the actual MEAF paid on exit and the original MEAF.”
[Use this section if you know your fees or delete]
My contract with you stated a MEAF of [insert original MEAF], however, I was actually charged [insert actual MEAF]. I believe this unexpected increase does not reflect the true cost to [insert name of bank]of covering the staff and administration costs involved and I believe I have been unlawfully deprived of the money.
[Use this section if you do not know your fees or delete]
At the time I entered into my contract I believe the fee was in the region of [enter start figure of your lender from the table], however, the fee had increased to around [enter end figure of your lender from the table] by the time I closed the account.
Additionally, I have calculated interest of £[8% per year onto difference of original and actual figure], 8% has been used as this is the rate the courts use for statutory interest, and therefore ask that you repay me the amount of [insert total figure = difference + interest).
I look forward for a full response to this letter within 14 days.
Yours faithfully,
[insert your signature]
[insert your name (printed)]
Cheers
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