Thanks very much. If it's not asking too much could you let me know the name of the form I'd need to appeal and what I should say on it? Cheers, Keith.

Is it worth appealing against having the matter fast tracked?

I had a 7 year fixed rate mortgage with A***Y. At the time of taking out the mortgage I also purchased an endowment policy from the same group. 5 years later the group accepting mis selling the endowment to me and compensated me for the shortfall that I faced. Having lost faith with the group I settled up my mortgage and went elsewhere. £4,500.00 in penalties for my troubles. I issued proceedings, my arguement being that as the whole mortgage had been mis sold to me the seller couldn't rely on any of the terms of the contract. We had a directions hearing today at which the Judge bottled it and agreed that the matter should be fast tracked rather than be dealt with in the Small Claims Court, despite the claim being under £5K. I'm not sure whether to continue with the action. Any thoughts would be welcome.

I had a 7 year fixed rate mortgage with A***Y. At the time of taking out the mortgage I also purchased an endowment policy from the same group. 5 years later the group accepting mis selling the endowment to me and compensated me for the shortfall that I faced. Having lost faith with the group I settled up my mortgage and went elsewhere. £4,500.00 in penalties for my troubles. I issued proceedings, my arguement being that as the whole mortgage had been mis sold to me the seller couldn't rely on any of the terms of the contract. We had a directions hearing today at which the Judge bottled it and agreed that the matter should be fast tracked rather than be dealt with in the Small Claims Court, despite the claim being under £5K. I'm not sure whether to continue with the action. Any thoughts would be welcome. Cheers, Keith.

I sent my first letter 16/6. Got the same response. Now had 2nd letter dated 4/7/06saying they feel charges were fair. Time to issue I assume.