hi i am now submitting my court claim for charges totalling £186.28 including interest. i realise it will be on hold due to ongoing test case, but might as well get it filed.

hi i am in the process of recovering costs from ge money however, the figures i have dont add up, please could you look at them and let me know your comments. any ideas/advice would be grateful. redemp figure of £15041.27 )inc interest to settlement date £160.44, early settlement fee £160.00 and security discharge fee £200 the full account statement i have requested states the above: DEBIT CREDIT BALANCE 25/4 card payment 475.90 14,412.27 16/5 redemption goldsmith williams 15,041.27 -629.00 18/5 reduce interest 16.34 -645.34 18/5 reduce interest 0.01 -645.35 19/5 interest 149.22 -496.13 19/5 additional interest 4.85 -491.28 19/5 income on early settlement 291.28 -200.00 19/5 solicitor discharge fee 52.88 -147.12 19/5 admin discharge fee 147.12 0.00 19/5 repayment of admin charge 147.12 -147.12 19/5 repayment of fees 694.44- 841.56 19/5 repayment of capital 13,962.38 -14,803.94 19/5 balance transfer 14,803.94 0.00 these figures to me dont add up as more interest added, all charges/fees paid etc. what do you think??? please help me

Hi I am claiming back Admin fees and Deeds release fees totalling £295.78 Has anyone dealt with Southern Pacific Personal Loans or CApstone Mortgage services as they are now. Did you get your money back or am I wasting my time here. thanks s

i won full amount with gmac, they offered me sums but offered me full amount day before hearing.

hi just got a letter off amber stating they have made mistake so payment back to £911 - good job i challenged this!!!! thanks everyone xx

ok thanks. keep you posted

we had an arrangement fee, solicitor fees added to mortgage but that was included in the remortgage and included in the fixed rate deal. nothing in post today from amber so have to wait. nothing was added to the remortgage after that offer no.

hi mine states FIXED RATE not discounted rate and they are different. I am awaiting letter then will post details of that on here. I am not letting them get away with it and the Broker I had have said to give them a ring if I am still not happy which I will do. I will also be contacting my local MR JUSTICE in the paper to see if he can help. I borrowed £129K which is alot and my payments at £911 whiches states fixed for 2 years. They cannot change this surely!

Can I go back to my questions please, Amber nor Crystal Clear told me about this rate, they promised me this rate was fixed for 2 years and would not change. What can I do?? Rang Amber and explained missold this remortgage. They are sending me a letter out explaining why gone up but I clearly not afford for this to go up. Fixed rate surely means FIXED AND CANNOT MOVE

Hi I am typing the offer which was in their mortgage offer which I signed for and returned: What you will need to pay each month These payments are based on a mortgage of £129,049.00 and includes the fees that are shown in Section 8 as being added to your mortgage. It is assumed that the mortgage will start on the 1 April 2008 (which it did): 26 payments at a fixed rate of 6.39% £911.49 followed by 238 payments at a variable rate, currently 7.8% £1,015.55 Also, states: As the interest rate is fixed until 31/5/10, this means that your monthly payments will not charge if there are interest rate changes during this period. The monthly payments shown in this offer could be considerably different if interest rates change. So now what can I do?

Hello Can anyone give me some advice please, I have recently remortgaged, moving from GMAC to Amber Home Loans. I saved myself £230 per month by paying off my other mortgage and a loan. I was offered my remortgage over 22 years at a fixed rate for 2 years. The payment was £911 per month. I have paid one payment. I received a letter over the weekend stating my payment is now £917..£6 increase. I called Amber Home Loans to ask how my payment had increased. They said every 3 months they review accounts and can adjust the amount if they like. Surely they cant do this, can they? I was sold this stating that figure would not change for 2 years as fixed. I have only been with them 1 month, so why review now if done every 3 months? Also, at this rate I could be paying over £1000 per month next year. Can anyone help me?? Any help would be appreciated. Regards Sharon

but i have read some have won - hows that

Hi I have paid 2 mortgages off in the last 6 years and on each had an early redemption fee of £1567 and £3032. I was wondering how I can get these back. Is there any letters to use for this like the bank charge ones? Any advice would be appreciated. Thank you kindly Sharon:confused:

yes you are right. on my settlement i only have 1 months interest but other charges for redemption and early settlement fee with the 1 months interest

sorry if i sound thick, but what does this mean and what can be done

yes i have given them the ref number etc i know its a lesson was off sick and never could get to copier and wanted it posted gone on too long yes they ever lost any other copies

hi can anyone help. i know this has nothing to do with test case, but does with oft i sent a load of original documentation (only because could not get it copies ) and sent it recorded mail to OFT It was in connection with a complaint against Paragon Finance and their failure to respond to CCA and SAR request. It included all letters etc and documetation since 1995 I sent this at end of January and rang at the start of February to see what was happening. They said had not received it even though royal mail got proof of signature where do i stand here if they dont find it? i could cry

thats a great help, thank you

ok. you didnt say dates she was claiming fraudelent or when she was found out

Hi can i ask how she got caught? when was she caught? what period of time dates, was she doing this? did she just get a letter at the start, or did someone call and pick her up for questioning? thanks susan

oh i will! i dont give up easy. i won halifax for claim over 6 years and they gave up day of hearing!

good luck, its a long process but worth it!

i intend to claim as much back as possible once this loan is paid off next month. i cant wait! Just because you have bad credit from years ago, these companies take the biscuit!, (putting it politely)

do you think i should do that, get copy of cca as i dont have copy of what i signed to prove these fees werent explained

no, still awaiting feedback from court after sending form in. are you filing claim?