many thanks I appricaite your help.I will start the action as soon as AI get my redememtion fee confirmed.

Hello every1 can anyone advise if you can reclaim early redemetion fees based on the follwing information .I took out a mortgage with GMAC and was given a 3yr offer which included a 12month discounted rate.Into the second year of the mortgae I had to sell the property due to financial difficulties I simply couldnt afford the payments and I sold up.Can any1 advise me if they think I have a basis of a claim . regards Seanski

Hi very well done indeed ,im just at the the moneyclaim stage with these guys hope every1 else gets there monies too.

thanks to all who replied .Im a novice PC and thread user please excuse me.As youve nearly all answered the ? theres one oustanding issue as folows .My claim is for £6k plus the 8% ,is the best possible way forward to claim £5k plus another claim for the other £1k please advise .Im going to post a claim in England.

I would like to kwow if i should claim my money through the Scottish court system .My claim is for over £6k plus interest your advice OR should I lodge my claim in two lots of £3k via an English county court ? your help much welcomed thanks Sean sent LBA on 15th August Natinwide reply 21st AugustFob off saying blah blah

Thanks Gordon Living in Scotland and claiming the Nationwide - As Im claiming an English bank for £6k plus intrest at 8% is is possible to claim in potions of £3k each by lodging my claim in a English county court ?

Ive recieved a letter from the above after I had sent them my LBA along with the bank charges .They have sent me a reply saying it believes there charges are open & transparent and if I feel that I cant abide by them ...then it maybe appropriate that I consider alternative banking (which I have done anyway) Can you advise on the next step . would also like to kwow if i should claim my money through the Scottish court system .My claim is for over £6k plus interest your advice help much welcomed thanks Sean sent LBA on 15th August Natinwide reply 21st August saying above

Ive recieved a letter from the above after I had sent them my LBA along with the bank charges .They have sent me a reply saying it believes there charges are open & transparent and if I feel that I cant abide by them ...then it maybe appropriate that I consider alternative banking (which I have done anyway) Can you advise on the next step . would also like to kwow if i should claim my money through the Scottish court system .My claim is for over £6k plus interest your advice help much welcomed thanks Sean sent LBA on 15th August Natinwide reply 21st August saying above

see above

Ive recieved a letter from the above after I had sent them my LBA along with the bank charges .They have sent me a reply saying it believes there charges are open & transparent and if I feel that I cant abide by them ...then it maybe appropriate that I consider alternative banking (which I have done anyway) Can you advise on the next step . would also like to kwow if i should claim my money through the Scottish court system .My claim is for over £6k plus interest your advice help much welcomed thanks Sean sent LBA on 15th August Natinwide reply 21st August saying above

Hi and thanks for the reply ,yes the credit card is still getting intrest charged on it .We cant really afford the 50% they want .I offered 30% but they declined . If I suggested she uses a trustee\bankruptcy they would probaly get less tahn 30% weve offred ,is that correct? or you any other suggestions regards Sean

Can any1 give me on advice on the following details My wife has 2 coustanding debts in her own name prior to us being marrried these debts are from a previous relationship.The first debt is for a bank loan which she has paid upto a point.The bank passed the debt for collection to a credit agency and they now want paying .Ive offered them 30% of the balance but they insists she pays 50% OR NO DEAL. Whats the best course of action ? She also has a credit card bill which gets serviced by the minimum payment each month .To be honest we are sick to the death of these debts which in total about £10K Simply because shes had absolutly no benefit from this money (an ex partner reap that benefit) Whats the best course of action for her . Many thanks

Hi Every1 Ive recently sent my LBA plus detailed spreadsheet outling the charges for the last 4 years ..the total is just over £6k disgusting or what .I would also like to claim back an early settlement fee of over £3500 grand from my previous mortgage company any help welcomed . Thanks

Hi Every1 Ive recently sent my LBA plus detailed spreadsheet outling the charges for the last 4 years ..the total is just over £6k disgusting or what .I would also like to claim back an early settlement fee of over £3500 grand from my previous mortgage company any help welcomed . Thanks