Just had a letter from mortgage lender saying they have added a large amount to my mortgage account as I owe some ground rent arrears.
I knew nothing about this, and was not informed by the lender they were going to do this - the lender received a letter from a solicitor 14 days ago and went ahead and paid them by charging my mortgage account without even writing to me to warn me until after the event (and charging an admin fee on top for the privilege!!!)
Looking back at my bank statements it appears ground rent has not been paid for a few years due to some mix-up, but this was due to lack of receiving any notice from the ground rent company it was overdue rather than ignoring any letters on my part. If i'd know about it, i'd have paid!. Of course it seems now they have added several £hundred for solicitor costs and interest on what would have otherwise been owing
I will pick up with the ground rent company, but the challenge is now that they have the money from the bank, they won't want to know!!! The lender also isn't interested as they say they are just acting on what some random solicitor told them to do! (which i knew nothing about)
CAN THE BANK DO THIS WITHOUT EVEN INFORMING THEIR CUSTOMERS? DO THEY NOT OWE A DUTY OF CARE TO THEIR CUSTOMERS TO ESTABLISH THIS IS GENUINE FIRST AND GIVE THEM THE OPTION OF SETTING UP DIRECTLY AND GIVE THEM AT LEAST 28 DAYS?
I would like to point out have never been in mortgage arrears or missed any other payments.
Any advice appreciated!
I knew nothing about this, and was not informed by the lender they were going to do this - the lender received a letter from a solicitor 14 days ago and went ahead and paid them by charging my mortgage account without even writing to me to warn me until after the event (and charging an admin fee on top for the privilege!!!)
Looking back at my bank statements it appears ground rent has not been paid for a few years due to some mix-up, but this was due to lack of receiving any notice from the ground rent company it was overdue rather than ignoring any letters on my part. If i'd know about it, i'd have paid!. Of course it seems now they have added several £hundred for solicitor costs and interest on what would have otherwise been owing
I will pick up with the ground rent company, but the challenge is now that they have the money from the bank, they won't want to know!!! The lender also isn't interested as they say they are just acting on what some random solicitor told them to do! (which i knew nothing about)
CAN THE BANK DO THIS WITHOUT EVEN INFORMING THEIR CUSTOMERS? DO THEY NOT OWE A DUTY OF CARE TO THEIR CUSTOMERS TO ESTABLISH THIS IS GENUINE FIRST AND GIVE THEM THE OPTION OF SETTING UP DIRECTLY AND GIVE THEM AT LEAST 28 DAYS?
I would like to point out have never been in mortgage arrears or missed any other payments.
Any advice appreciated!