STEP 1 - ask for a refund


Charitable community controlled law centre in Glasgow, UK.  Charity no: SCO 30193.

step 2 - send a final letter

step 3 - raise a court action or complain to the Financial Ombudsman:
[England/Wales/Northern Ireland]

ignored? - send this letter



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GLC is a member of Glasgow City Council's Advice & Information Network

You may wish to write to your mortgage lender or secured loan company to give them an opportunity to voluntarily refund charges.  

If they agree they may say there are doing so as 'a good will gesture'. 

Step 1 letter | htm | doc |

If you do not know how many arrears charges have been applied to your mortgage account you can send a Data Protection Act letter.  The maximum statutory charge for this information is £10.

If your lender ignores your 'step 1 letter' you can send the 'ignored letter'.  If they refuse to refund any mortgage arrears charges you can send the 'step 2 letter'. 

<< Links to these letters are in the left hand column of this page.




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