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This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

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This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Well, not been on for a while but still been busy!! Just filed online claim for £997 against West Brom for arrears fees, non arrangement fees and broken arrangement fees on a mortgage I had with them. Did get a payment of approx £250 back off them after phoning, for a redemption statement charge (£150 for 1 A4 page received 2 days after requested!!!) and £110 for debt counsellors they instructed without my authority and who never turned up anyway. The also knew that we were changing our mortgage to another company imminently. Anyway, one interesting statement was made by them in a letter to me that went like this: "As detailed to you the application of the arrears fees to the mortgage account is not purely for the administration of the account but also to act as a preventative measure to borrowers who fall into arrears without the realisation that there would be any consequences or actions following the accrual of any arrears balance" Now if that not is stating "it's a penalty charge" but in a roundabout way, I don't know what is. 14 days and counting

Don't think you'll have to wait too long morsy. Like Tink says, stick to what you want and see what's been achieved by others:-)

Keep at it mate, Like a lot of us have said before...it's your money. Like the 'Don' says, take heart from the success the forum members have got and always keep that to mind when dealing with them. Add up your daily excess charges and service charges. Also, keep an eye out for 'commission' charges on your statement (these aren't detailed in the summary at the foot of the statement) as these refer to any 'bounced' cheques. Include these in your calculation when you get your statements through. Happy hunting

Great result Tinkerbelle...looks like a pattern forming with Citi !!

I'd just go for the £975. Addin the debit interest can get a bit complex as others have said on the forum. I'd give em 14 days but keep pushing for 2-3 times per week. If they want to play brinkmanship, then they have to pay the 8% and court costs. No accounting for their line of thought sometimes ?

Keep us posted MST24 and I might come along if you let us know where it is. Could get some pictures up for a laugh then )