midshires help please

[buck rogers]

i have done a dpa and recived a bundle of stuff the account has about £300 of charges nothing amazing. now the statement says thet the account balance is £52064.81 but i paid a redemption figure of £55753.93- nowhere on any of the paperwork does it say why. with the charges it comes to £4039.12. what do you thing im going to claim it but i dont know what to call it? just fees? redemption fees?

[ukaviator]

Hi Buck Rogers.

 

It should be on your Mortgage closing statement as an ERC.

Early Redemption Charge. If it is quite recent they may be disguising it as another form of fee.You can bet if it's a few thousand then it is an ERC.

You can claim this back.

 

Ukaviator

[buck rogers]

it dont show up at all the only thing is the balance amount and the amount i paid off is over 3 and a half grand different. my thourghts are ill push it through court if they dont pay then if they suddenly supply the info in court ill challange them for breaching the data protection act- they dident supply the information.

[CrispDust]

I'd query it directly with them first. Then at least you have given them every oppurtunity to divulge the information required and requested.

[saranev]

Hiya BuckRogers,

I've sent my data protection letter requesting statements and i've received a letter from them asking why i want the info? Did you get one of these? Should i ignore it?

saranev

**Halifax settled in full*** :lol:

[lickthewallfatboy]

they asked that of me initially as well

 

I just told them my accountant wanted it!!!Keep at them-they will pay up.I'm about to get a cheque for £5K.....

[paulpb123]

Hi buck rogers,

Like ukaviator said, its likely to be an ERC. I take it that its not £55753.93 but rather £5,753. In any case its more than £4,039.12 with the £300 charges. Have I got that right? As crispdust says, query it and get them to tell you exactly what the charge is for. Saranev, its none of their business what you want the info for - write to them to that effect (politely of course!) and tell them that the 40 days still applies.

Paul

[blackrain]

I just received a letter from BM saying that they are allowed to take 6 months interst payments for ERC and they will not give me a breakdown of the figures. Am I right in thinking you are claiming for the exact same thing?

 

Lick the Wall, did you file a MCOL to get yours back? Not sure whether I should be claiming the whole thing or what.

[lickthewallfatboy]

yes,I did do a moneyclaim,and we got the letter offering refund on the same day as they were due to file a defence.