Mortgage fees.

[carlastc]

I don't know whether I am posting this in the right place but I wondered if anyone on here can give me some advice. I have been trying to resolve a complaint with Birmingham Midshires concerning arrears and administration fees charged on my mortgage since 2010 without success.

 

I contacted FOS and have been told that they will not consider my complaint as BM issued a final response letter to me on 22/08/12 making it out of time.

 

I know that I absolutely have not received such a letter as they have repeatedly ignored any correspondence I have sent them and that is why I originally sought advice from FOS.

 

BM say that I owe £98.97 on my mortgage from when I had an arrangement with them to pay interest only for 3 months in 2010 after I lost my job. I applied for an extension to the arrangement which was refused but I contacted them by phone and was told that the amount of £98.97 would be added to the mortgage. Since then all subsequent payments have been made on time.

I am still receiving letters from them demanding this £98.97 and they have added £35 charges to my account almost every other month since June 2010 which is quite a large amount.

As I am getting nowhere with fos or BM I wondered if anyone here could advise me about reclaiming these charges.

 

Does anyone know a contact address for BM as I have written repeatedly to both addresses on their letters and received nothing in reply.

[citizenB]

You should make the Financial Ombudsman aware that you have not at any time received a Final response from the Bank and ask them to look at it again.