The London Mortgage Co & GE Money -advice claiming charges etc needed pls

[fireflyer]

Hi,

i've, at last, decided to claim back charges/fees added to my 2 mortgages with GE Money and The London Mortgage Co.

I sold the house in March 2007 - both mortgages redeemed. We've had a few years of financial probs after the collapse of our business. At last we are getting back on our feet.

I sent SAR's to both lenders in 2007. Don't ask me why the paper work that they sent back has been in 2 files ever since!

Anyway, the statemets show loads of fees - dd failure, debt counselling (which we never had)!, solicitior's fees added several times at £600.00 + a pop (at one stage they were looking to reposses but because we were selling, the judge granted us time).

Also, on The London mortgage original agreement is states a lending fee of £2400.00. Does anyone know what this is? I've been reading other posts and it seems there is such a thing as a commision to brokers. I'm wondering if this is what thislending fee is - a secret commsiion. If so, i've read i can claim that back.

I don't have a copy of the original contract from GE Money - it was the I Group originally.

Even though i've kicked about in these forums on and off for a few years, i'm not confident as to how to start/make my claims. I find all the legal jargon confusing and don't even understand half of the abbreviations. I think it's lack of confidence that has stopped me from starting these claims.

But, i can't help but think it's worth a good go.

I've been offered to hand everything over to a claims expert company. No win, no fee etc. It's tempting because then i don't have to worry about messing up etc.

That makes me feel guilty though because so many of you have fought the good fight and not wimped out and this site deserves fighters to see these claims through.

Where do i start? Any help, advice pls

thanks

Fireflyer