hi to all

[banksaretwats]

Re: hi to all

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)]

That the one although I trimmed it down & didnt bother with interest.

Cheers