Hi can anyone please give me some advice. Do the nationwide close mortgage accounts down as a result of claiming back charges on a flex account. My mortgage has never been in arrears. Many thanks Richard

Thank you so much, have posted the claim off today. Richard:)

Hi there, could anybody give me some advice please. I took a loan out with sainsbury's bank, and built up £332.00 worth of charges. I sent the LBA letter, to which sainsbury's replied that OFT ruling didn't apply to loan accounts so therefore, tuff i couldn't claim the money back. Is this right or should i still go after them? Many thanks Richard

Hi there Martin. There were penaty charges amounting to £450, over 3 years. I have a statment showing all the charges, and although i fell behind, i paid the full loan off. Many thanks, rich

Hi there, Just sent my first letter to halifax, will keep posted. But this got me thinking. I had a personal loan with Sainsbury's Bank, do the same rule apply regarding charges? Any advice appreciated. rich:confused: