(MEAF = Mortgage Exit Administration Fee) Hi. Started this process back in December. Got a letter from Abbey which I've replied to. It suggests they'll be paying me a sum of money very soon as MEAF refund.

Thanks Steven I'll consider doing that. With all those different claims, it's a bit of a mission!!!

Howdy Folks Trust you all had a good Christmas and New Year?!?!? Time for an update: Abbey have replied to MEAF letter with a letter trying to say my old mortgage started almost TWO YEARS later than it actually did (meaning a lower MEAF would be payable) and to confirm I actually want a refund. I've replied and corrected their error. Should be just a formality to get a payment from them soon. GE is yet to reply on the MEAF front. They charged me about £300 when I remortgaged away from them. Yet when I looked at all their docs for when I took the mortgage out, there was nothing to this effect there!!! I'm still tinkering with the idea of going after them for various fees applied to my mortgage account while I was with them for four years. Totals about £3000 for things like late payment/DD's bouncing/arrears account admin etc. Does anyone have any good information on reclaiming these? Still waiting for SAR replies from Capital One and Natwest. I've also taken on Council Tax!!! This is quite a biggie for me as I've lived here for 7 odd years. Two years ago I found out that a 4 bed detached not too far from mine (newer and bigger and more value) was on a band E. Another 4 bed Semi (newer and bigger and more value) is also on band E. This property is no 107 while mine is no 46. I've finally decided to stop sitting on my */?se and have spoken to and sent the valuation office a six page document showing all sorts of details why my property is NOT a band F but should actually be a band D and they're looking into it. Somehow, they mananged to allege that my 3 bedder is 141sqm while these fourbedders are a maximum of 127sqm??!?!? They were contending that mine is a bigger property! Of course they're wrong but fortunately, I have it on good authority from a RICS surveyor who valued my property in 2007 that it's size is a maximum 110sqm! We'll see who gets the last laugh.

Hi All Thanks for your various comments and suggestions. Yep, certainly no point starting with the harder cases first is there? So I'll definitely be taking them in order of ease first. On the mortgage front, I'm not looking at ERC/ERPs as that is only payable if you redeem your mortgage before a certain special period. If I did that on my current mortgage it'd be about £16K so "that ain't gonna happen!" I'm looking at those awful DD returned and arrears admin fees and interest charged on top etc. Fortunately, it's not with my current lender but the one I moved away from about a year ago. I'm certainly keeping them in my sights and with the way I was treated at the time, the least I can do is give it a go.

Hey Ho. I've got the CAG bug bug bug!!! I'm going after 1. Ge Money - MEAF - £200ish 2. Ge Money - Mortgage penalties - £2-3000 3. NatWest - Current Account Fees - £500ish 4. Abbey - MEAF - £125ish 5. Abbey - Mortgage penalties - £300ish 6. Abbey - Current Account Fees - £200ish 7. Capital One - CCard Penalties - £500ish 8. HFC Bank Loan - Loan Penalties - £3000ish 9. Welcome Finance - Loan Penalties - £2000ish 10. Council Tax - Rebanding - about £2000ish Total = £11,825.00 I hereby propose with every success, a minimum of 10% (£1,182.50) of my 'winnings' shall flow straight into the CAG fund! Yessireee!! ;-)

Zootbaby, you da man!!! Or is you a lady...?

You're a dame. Danke!

******************************************************* Hello Folks this is just to introduce this new thread. I'm a newbie CAGer and will appreciate all your support and tips. ******************************************************* Have read through the forum posts and have been much encouraged by the success stories. In the 2002-2004 period, I was hammered by bank, credit card and loan providers as I was self-employed with poor cashflow and my credit suffered as a result. After deliberating the whole claim issue for almost two years now, I've finally decided to take some action with reclaiming - starting with my Capital One credit card. My S.A.R - (Subject Access Request) letter goes out tomorrow, recorded delivery.

Greetings!!! Finally made it thanks to the ever so helpful vendi, sorry WendyB! Thanks Wendy, you're a starlet.

Hi WB Been trying to start a new thread for a while now. I'm sure it's simple but I'm missing something. Can you provide a link or something to do it with? Thanks

WB - How do I start my own thread?

Thanks. Also looking to get another credit card at the mo as Capital One is my only Mastercard and it has proved useful on more than one occasion in the past. If they decide to freeze or close it, it would be unneccesarily disruptive.

Hello All I am a new CAGer and have been on hooked on these forums for the last few hours - trying to take it all in! The resource here us truly amazing! I can only think how much better my finances would be had I known of this resource earlier and accessed help from it. I'm also in a similiar situation to robcag and would certainly consider getting a CJ setaside. However in my case, not sure what the chances are as the charging order has already been paid by me earler this year because I had to do a remortgage. Anyway, I'm following with interest. I've also been a victim of the HFC/Restons double act which was exteremely shoddy to be honest. Due to my lack of knowledge though, I lost my defence at the time. The Judge sympathised with me and knew I was being taken for a ride. In not so many words, she indicated that had I been properly defended Restons' case would have been thrown out!

Hello Folks Have read through the forum posts and have been much encouraged by the success stories. In the 2002-2004 period, I was hammered by bank, credit card and loan providers as I was self-employed with poor cashflow and my credit suffered as a result. After deliberating the whole claim issue for almost two years now, I've finally decided to take some action with reclaiming - starting with my Capital One credit card. My SAR letter goes out tomorrow, recorded delivery.