Muddle2018
Registered User
- Messages
- 101
The basics. Part of the tracker redress cohort. Bit of a battle with my ex and the bank but money overcharged was eventually taken off the mortgage and redress given solely to myself and a transfer of equity done whereby ex removed from mortgage and subsequently title deeds of property. I did appeal the fact at the time they had not given back legal fees and was advised that it was all in order so did not broach subject again. Mortgage was then closed off and a new agreement number opened under my own name.
Fast forward to March I get a letter stating they do in fact owe me legal fees which had been added to my account and not credited back however now that mortgage has been closed off so they could not just credit it off mortgage and asked for my bank details which I gave. Upon calling bank asking where the money is as this is now ongoing since March, I was told that there should have been two signatures for this refund and they were waiting on my exes signature.
My argument is that the bank were advised by both our solicitors at the time that all redress was to be sent to myself only. That he had no interest in the property and then was transferred off the mortgage therefore they should only need my signature as the only person on the mortgage and it is nothing to do with him so contacting him about it is a breach of my data. Am I correct? I am still waiting on the bank to 'investigate' the matter and still not in receipt of my refund.
Fast forward to March I get a letter stating they do in fact owe me legal fees which had been added to my account and not credited back however now that mortgage has been closed off so they could not just credit it off mortgage and asked for my bank details which I gave. Upon calling bank asking where the money is as this is now ongoing since March, I was told that there should have been two signatures for this refund and they were waiting on my exes signature.
My argument is that the bank were advised by both our solicitors at the time that all redress was to be sent to myself only. That he had no interest in the property and then was transferred off the mortgage therefore they should only need my signature as the only person on the mortgage and it is nothing to do with him so contacting him about it is a breach of my data. Am I correct? I am still waiting on the bank to 'investigate' the matter and still not in receipt of my refund.