Woolwich & charges! ***WON*** Charges refunded after FOS review

[twoman]

Hi All,

Need some advice.

Wasn't able to pay mortgage last month on time although have paid now and paid this months today.

Asked woolwich for mortgage statement and have noticed a £40.00 late payment fee on the statement which was applied on the 16th May.

Q, Am i able to re-claim this charge.

I am going to SAR the woolwich as a couple of years ago we were behind and had to cash my endowment policy in to pay the arrears otherwise we would of lost the house si i guess there is more charges which i hope i will be able toclaim back..

[slick132]

Hi Twoman,

 

Sorry this went unanswered but this particular forum gets little use and I forget to look in here.

 

Has your query been resolved or are you still seeking advice.

 

Have you had a reply yet to your SAR.

 

[twoman]

Hi Slick132,

I am still needing guidance on this and as of yet have not sar'd them as was awaiting advice.

[slick132]

Hi Twoman,

 

The news for you is good. Any arrears charges can be reclaimed in full, plus interest in restitution.

 

Read here - http://www.consumeractiongroup.co.uk/forum/showthread.php?244476-Reclaim-unfair-mortgage-arrears-fees-FSA-says&p=2730505&viewfull=1#post2730505

 

And here - http://www.consumeractiongroup.co.uk/forum/content.php?700-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

 

If you have any queries after reading these articles, please ask.

 

[twoman]

Hi Slick123,

Which template should i use to start the reclaim or do i use the standard one that i have used recently to reclaim from HFC.

[slick132]

What was the claim with HFC about - if it was credit card or loan a/c penalty charges, then that would not really fit.

 

Have you read through the Stickies at the top of this forum.

 

I'll see if I can get some help finding a suitable reclaim letter.

 

[MARTIN3030]

read here

http://www.consumeractiongroup.co.uk/forum/showthread.php?296456-New-mortgage-arrears-template&highlight=Redstone

[twoman]

Hi,

I have recieved my sar and worked out the unlawful charges.

I now need to send a reclaim letter any idea which letter it should be as i understand the normal cc letter is not adequate.

[slick132]

Hi Twoman,

 

The 2nd link in post #4 above gives you a template letter.

 

You also need to read the post where that link is and read the 2 cases referred to by Bankfodder.

 

[twoman]

Hi slick,

I have read BF posts but i can not find the correct template letter to use.Can you advise further where it is.

I think i'm being thick!

[slick132]

Sorry Twoman,

 

Follow Martin's link in post #7.

 

Click on the link at the foot of that thread.

 

You'll find 2 articles :-

 

Mortgage Charges POC

 

Mortgage Arrears Template Letter - http://www.consumeractiongroup.co.uk/forum/content.php?705-Mortgage-arrears-template-letter

 

Hope that sorts it for you.

 

[twoman]

Slick,

your a star,thanks.

[twoman]

Hi Peeps,

Ok response from woolwich today saying..bowlarks.

Already had lodged complaint with FOS.

Completed FOS forms with all relevant info ,now posted off to FOS for them to deal with it.

£500 fine for Barclays for FOS investigation..ha ha.

[slick132]

Hi Twoman,

 

Thanks for the update and please keep us informed.

 

[twoman]

Hi Caggers,

Just an update.

Refererred this to FOS as woolwich just ignored me.

Found out today that FOS found in my favor and have instructed Woolwich to pay me £450 out of the £600 odd i claimed.

Happy with this and will accept.

[slick132]

Hi Twoman and I'm delighted to hear of your win.

 

Thread title changed to reflect your success.

 

If you can manage a Site Donation, it'll help us remain here to help others.

 

[twoman]

Hi All,

Just an update on this.

FOS found in my favour and gave them 4 weeks from date of letter to cough up the money....well they have not,not even been in touch!!

 

Any advise on what todo?

[slick132]

Hi TM,

 

I'd write to (I assume) Barclays referring to the Ombudsman's Decision and the fact that Barclays should have paid by XXdate.

 

Ask them to settle by return and send the FOS a copy of the letter.

 

I'd send the Barclays letter by Rec'd Del'y.

 

[MARTIN3030]

Great result.

As for forcing compliance I think there are a couple of options.

[slick132]

Hi Twoman,

 

Martin has been discussing (with the Site Team) what options are available to you, in the event that Barclays fail to pay on time.

 

So we can consider this fully, can you confirm by what date the FOS expected the bank to pay you.

 

From post #17 above, it looks like Barclays have 4 weeks from or around 28th August. In which case, they may still pay on time (but don't hold your breath !!).

 

[twoman]

Hi Slick,

They had 28days from the 20th August,this was stated in the FOS letter.

[MARTIN3030]

So clearly they ARE over the timescale then.

[twoman]

Hi All,

I referrred this back to FOS.

Just had a call from FOS saying that they reckon they have already credited back to account,..... [edit] liars and had sent confirmation,...no they ain't.

So just waiting for a response from either Sharkleys or FOS.

Edited October 5, 2012 by slick132
Edit of (nearly) swearing !

[twoman]

Hi Guys,

Update.

Ok got £400 credited back to account,happy with that......but since the original claim went into the FOS Barclays started to apply monthly arrears charges of £40.00 per month.

Now while i admit i'm in arrears (£500 ish) they have never ever applied arrears charges consecutively like they are doing now.It's as if because i complained it's there way of getting back at me.

I have referred this to this FOS again and await their response.

[slick132]

Hi TM,

 

Can you confirm if any info was given about the breakdown and/or reasons for the refund.