yes I already have a charge with the new lender as the mortgage was transferred from woolwich.
Woolwich has been awarded a new charge for me to repay them a small amount xx.xxxx (five digit figure) this is what I retained because I have had a lot of costs and stress etc. due to woolwich constant blunders.
However the ombudsman judged that I should not have kept a retainer against Woolwich.
So this amount in order to give it back I can pay it slowly back for x amount of months to my choice at 0%.
This amount has to be secured with a charge against my property.
So two charges 1 the normal mortgage which was transferred from Woolwich to a new lender and a second charge which is this amount to pay back woolwich.
the solicitor already trashed the 0% interest with all sort of clauses which I refuted and managed to quash all his repossession and loss of 0% interest threats etc.
So my understanding is that if I would have signed all his penalties etc. would have been locked in against the charge.
Therefore I want to know how I can protect my 0% interest for x amount of months for a specific amount only and few other conditions.
Can this be done?
is this done linked with signing of the charge?
if not done against the signing of the charge, then how can this be done in conjunction with the signing of the charge, so that I am protected and not in the hands of yet again an incompetent woolwich? (they made an insurmountable amount of mistakes throughout the years I was with them so my fears are concrete)
There must be a way I can protect my self from Woolwich as it was evident that they were keen to wipe out the 0% and x amount of repayment months on a whim. (which then they retracted after several letters) However I do not think I am protected at all solely against the evidence of letter. More to the point the letters basically do not state at all that they retract all the threats they basically state that I should kindly sing the charge. So I feel very exposed. Please kindly provide a legal solution so that I can lock in and protect myself from woowlwich disregarding all of the terms.