Santander Arrears Fees Reclaim

[delandjulie]

Hi I hope I'm On the right thread ...I sent in the reclaim letter to Santander regarding my arrears fee charges (Mortgage) and they've replied with a standard terms and conditions in contract letter could you please advise as to my next course of action please

[BankFodder]

Follow the link here - mortgage and read up.

 

Please can you tell us more about the fees. You haven't given us very much to go on. Almost nothing, in fact

[delandjulie]

Sorry, I sent a SAR to Santander and from there sent them the letter (copied from the library) to reclaim the fees to which they have taken from me ( £40 a time per month if i was in arrears )

to which they have replied with the standard terms & conditions of contract, I was wondering if i escalate to the court or just go to the ombudsman thank you

[Andyorch]

Ombudsman wont be of much use..you would have to mount you own legal claim and challenge them on the validity of unfair charges ...we have a few recent threads which will assist you in the process...but be prepared to put some hard work in research and preparation as they dont role over as easy in the past.

 

 

Regards

 

Andy

[delandjulie]

Thank you so much for your advice I'm going to have a go because i want my money back

[martin2006]

So as i understand so far, you sent a SAR, got all the statements etc, completed the spreadsheet and sent the completed spreadsheet along with a letter from the library, requesting repayment of fees and charges levied against your mortgage.

 

Couple of questions:

 

Is this a current or past mortgage?

Have you read other mortgage charges threads, not necessarily santander, other mortgage successes?

 

The process should only be started if you are fully upto speed on how the reclaiming process works and only if you are prepared to go all the way to court if necessary.

 

If you could confirm all of the above please so we know exactly where things are upto and more importantly, so we can help with the correct next steps