Birmingham Midshires

[jka]

Hello Consumer Action Group. What a great site. Quick question. I would like to reclaim charges against BM. I basically sold my house recently because they were charging me such rediculous fees. I thought of taking action before I sold my house but also thought they may make the sale of my house difficult if I was taking action against them. Now my house has sold is it too late to try and reclaim those unfair charges? jka

[closey]

What were the fees for?

[jka]

Hello closey. Thanks for your reply.

The fees on my statement were for "arrears" at £25.00 and sometimes £50.00 per time. One arrears fee was £125.00. Mostly these fees were levied for contacting me by letter.

On one occasion and a couple weeks after paying them in excess of £2500.00 they sent the deeds of my property to solicitors and sent me the legal costs which was in excess of £450.00. I found these fees excessive. My property had an equity of £100000.00 at the time.

[closey]

Sounds to me like you can claim these back. If they were just writing to you and charging you £25 a time for doing so then the level of these charges was unlawful.

 

I would do a search the word mortgages on the forum as it's not an area I'm familiar with. I'm pretty sure some people have taken action.

 

MODS - anything you can add, or help point Birmingham Midshires in the right direction?

[lisa Jayne]

Hi I have purposely been searching this web site to find out if I can do the same with Birmingham Midshires and CHL. Have you had any advice or luck yet? I don't know whether its possible to reclaim charges such as for letters about late payments and not paying by dd etc from mortgage companies. ?

[jka]

Hi Lisa, I have not found anything yet but I will let you know when someone responds. I will probably try and get back my charges anyway.

 

jka

[lisa Jayne]

I'm going to try too because I've had three charges added on my account this month all for £35. Two are added because they have sent me a reminder because my payment is 2 weeks late and the other because I cancelled a DD, even though I notified them in writing in good time and told them I was making a manual payment. Let me know your progress when it happens! and i'll do likewise.

[libra007]

any update if you have followed this route?

 

I am just in process of selling my house, will persue them for these charges and ERC if charged.

[maroondevo52]

Hi,

 

There's a thread here, that might be of some interest.......

 

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/14757-brimingham-midshires-r-subject-2.html?highlight=birmingham+midshires

 

 

Regards.

 

Scott.

 

[gizmo111]

any update if you have followed this route?

 

I am just in process of selling my house, will persue them for these charges and ERC if charged.

 

You will not be able to claim back ERC's - people have lost in court. I am moving this thread to the mortgages forum where you will find a lot of infomation on what you can and can't claim abck succesfully.

 

Good Luck

[3010gareth]

Hi All, I have a Mortgage with BM and want to know if anyone could advise me that if I claimed charges from them, could they end my Mortgage and me ending up without my house?

[tonycee]

Hello people.

 

I had a very recent success with Bir. Mid.

 

The thread is >>>>>>>>>>>HERE

 

If you need help, its VERY IMPORTANT that you start your own threads >>>>>>>>>HERE

 

Im happy to help if possible.

 

Good luck all.