We have recommended a mortgage interest checking service which will reclaim overpaid mortgage interest at minimal cost.

The first step is the on line screening. You need to have all this information before you start. Don't guess - if you give wrong information, you won't get your money back if the full audit reveals no overcharge, which is perfectly reasonable.

• Name of lender
   
• Account number
   
• Address of property
   
• Amount borrowed
   
• Account start date
   
• Have you been in arrears
   
  • If so, did the fees seem excessive
     
• Has the lender ever issued possession proceedings
   
• Has the property been repossessed
   
  • If so, did the lender claim for a shortfall after the repossession
     
  • And do you believe the lender sold the property unfairly
     
• Has the account been redeemed
   
  • Have you been charged redemption fees
     
  • The date of redemption
     
• Was insurance added to the loan (other than for buildings and contents)
   
• Did you pay broker fees
   
• Has the account been assigned or transferred to another lender.

When you have all this information, start the on line screening questionnaire.

Please let me know how you get on.