Mortgages PLC - Mortgage arrears - reclaiming unfair charges

[Madge67]

Hi all

 

I wonder if I could ask for your advice please.

 

I am in arrears with my mortgage and am trying to sort out making repayments towards the arrears.

 

 

I have sent them a letter with a list of my expenditure and made an offer of £100.00 pcm towards them.

 

 

They have replied saying they will not accept the offer until they have spoken to me on the telephone.

 

 

The letter sent also said that they will continue charging me an arrears monitoring charge of £50.00 pcm.

 

So I have a couple of questions

 

1) Can I reclaim these charges - they do go back a couple of years to be honest

 

2) Is there a template I can use regarding speaking to them only by letter or email. I really don't want to speak to them on the telephone

 

Any advice is really appreciated

 

Thanks

 

Madge

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?296108-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

[dx100uk]

opps only half posted

 

 

there is a letter in the green library tab top left

 

 

dca section I think

adapt that.

 

 

who's the mortgage with?

 

 

dx

[Madge67]

Thank so much dx - the Mortgage is with Mortgages PLC

 

 

Madge

[dx100uk]

don't forget any stupid insurances they made you take out madge

 

 

dx

[Madge67]

No Stupid insurances unfortunately.

[Pupter]

Hi

 

I'm about to try and reclaim charges from an old Mortgages Plc mortgage, I was told on my thread it maybe possible. Best of luck to you.

[Madge67]

SAR to be posted tomorrow so I can start the claim for unfair charges.

 

 

I have also replied to them regarding the letter they sent advising they could only set up an arrangement over the phone. Told them where to go and that I would only deal with them by phone or email and if they had any questions about my offer they could write to me about it. I also added If I haven't heard anything in 14 days I will assume that my offer has been accepted and that no further charges will be applied to my account.

 

 

I'll keep you updated

 

 

Madge

[Madge67]

Righty ho!

 

 

I'm almost ready to submit my claim, I have my statements back to 2006 and I have the CIS spreadsheet V101all completed.

 

 

I just wanted to check a couple of things with the experts please.

 

 

I've included on the spreadsheet the following

 

 

1)Arrears monitoring fees of £45, £50 and £54.00,

2) Field Agent Fee £37.00

3) Debt Home Visit £46.00

4) Letter of formal notice fee £37.00

5) Prop inspection visit £37.00

 

 

Also what interest rate should I be using?. The mortgage was taken out at a rate of 5.9% in 2006. This changed to the based rate in about 2008/2009 and has been running on this ever since

 

 

Thanks guys

 

 

Madge

xx

[Madge67]

Can anyone help with my last post please ?

[dx100uk]

list is ok.

 

 

put in your avg mortgage rate.

 

 

might be an idea to copy and paste the 1st 3 cols into the statint sheet

 

 

see if it is more

 

 

StatIntSheet v101.xls

[Madge67]

Hi Dx,

 

 

I cant open the spreadsheet 'statintsheet' I have excel on my computer but its downloading as a php file.

 

 

Any ideas?

 

 

Thanks

 

 

Madge

[dx100uk]

as before

click save as

rename to statint.xls

[Pupter]

Hi Madge,

I've just completed my forms, I'm just waiting for a little advice and then my SAR will be going off. Just wondering how you are getting on?