What to do for the best?

[Russelx]

Hi everyone

I've had letters from both Blemain and another mortgage company telling me they owe me money, and the mortgage company has posted a cheque as well.

How do I check all this out and know whether this is acceptable or whether I need to explore the fees I was originally charged further?

A solicitor is willing to discuss all this with me but it costs.

Is there any new information out about mortgage companies making unnecessary charges, etc?

Should I pay for solicitor's advice? The problem is how far do you go?

Sorry this is brief but I'm at work, I'd be interested in anyone's thoughts. Thanks

[Amethyst]

Re: What to do for the best?

Nice.Always good to receive cheques rather than writing them.

Did the cheques come with letters explaining what they were for ? ( lack of statements meaning repayment of interest ? overcharged ERC ? something like that ?)

I think best thing is to put the letters ( personal info removed ) up on here and see if we can figure out exactly what they are for.

Who's the other mortgage co ?

[Diana M]

Re: What to do for the best?

I've had letters from both Blemain and another mortgage company telling me they owe me money, and the mortgage company has posted a cheque as well.

How do I check all this out and know whether this is acceptable or whether I need to explore the fees I was originally charged further?

Blemain is now called 'Together Finance' so was your letter from them and do you still have a secured loan with them?

Do (or did) you ever have arrears with either Blemain or the other mortgage company?

Have you ever had a dispute with either of them? Blemain had/has a reputation for rushing borrowers into court to get Suspended Possession Orders.

I would send a Subject Access Request to both of them so you can see the full history of the accounts.

Di