If you have ever gone into arrears on your mortgage, you will know that your lender 'HELPS' you through your difficulties by adding a range of charges to your account.  Unpaid direct debit fees, fee for paying by cheque, fee for paying you mortgage with cash, arrears administration fee, counsellor fee, arrears letter fee, arrears phone call fee, the list is endless. 

We can, in almost every case, recover those fees for you, plus interest.  In almost every case you will have to sue in the County Court to get those fees back, but given no lender (with the notable exception of Nationwide) in the last 5 years has been prepared to show that their charges are fair (that they represent a genuine pre-estimate of their costs when you breached your mortgage terms and conditions) I think it is fair to say that their charges are excessive and they know it.

How far back can we go?

12 years. These claims are NOT subject to section 5 of The Limitations Act 1980, they are covered by section 8.  You can therefore recover all the charges applied to your mortgage account going back 12 years from the date you issue your claim,  so don't wait. 

Will I need to appear in court?

Almost certainly not.  90%+ of our clients' claims settle without the claimant ever appearing in court.  Very occassionally the lender will decide to go to a preliminary hearing, just to test your resolve.  Sometimes they will ask the court to strike out the claim but in over 5 years and hundreds of cases that we have been involved with, the court has never struck out a mortgage arrears charges claim!

No lender has ever gone to a full hearing on the merits of one of our clients' claims.  If they do, we are absolutely convinced that they would lose, unless they can prove that their charges are fair.  If they could have proved that, then they would not have settled millions of pounds of these claims over the last 5 years.

What do you need to do?

Call JMP Partnership, we will send you some papers to sign, we will gather all the information from the lender, (and pay the £10 fee they charge to provide the data).  If there is more than a few hundred pounds of charges we will prepare the court papers and send them to you to sign.  We will pay all the court fees for you - there is never any fees for our clients to pay upfront.  We only get our court fees back if we win?  That is how sure we are that we will win.

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