santander mortgage early repayment charge
Today Santander have released a statement to say that with effect from the 1st of January 2022 the Santander early repayment charge waived in 2020 and the ERC refund window for non-simultaneous porting will change as follows: 1) The Santander early mortgage repayment charge on standard purchase cases (non-new build) will revert back to three months (currently five months) in total. "F$H:R!zFQd?r9\A&GrQhE]a4zBgE#H *B=0HIpp0MxJ$D1D, VKYdE"EI2EBGt4MzNr!YK ?%_&#(0J:EAiQ(()WT6U@P+!~mDe!hh/']B/?a0nhF!X8kc&5S6lIa2cKMA!E#dV(kel }}Cq9 I asked to speak to her supervisor, but was cut off. TSB are increasing their maximum loan to value, Skipton Building Society Looks Forward to 2022, call our team today or drop us a messages, 5 St Georges Court, 131 Putney Bridge Road, London SW15 2PA, UK. 0000017599 00000 n V)gB0iW8#8w8_QQj@&A)/g>'K t;\ $FZUn(4T%)0C&Zi8bxEB;PAom?W= If you have a Santander mortgage and need to discuss anything with an expert mortgage advisor, call our team today or drop us a messages for a free initial consultation. There are many different techniques for paying off a loan early. You can get your early repayment charge refunds by contacting Santander customer service at 0800 783 9738 once you complete your new mortgage. Santander is not affiliated with Rocket Mortgage. What do I do with my Direct Debit?You dont need to do anything. I booked a hotel in Plymouth for seven days by phone through Expedia. What should we do in April? To send my daughter to private school, we changed the mortgage to interest-only. %%EOF Will my Direct Debit reduce if I pay off some of my loan?If you pay off part of your loan and it doesn't clear the outstanding balance, your loan term will be reduced, but your monthly repayment will stay the same. If you have other debts or lots of financial obligations, it may be better to concentrate on making consistent payments on schedule rather than paying off a loan early. 0000006607 00000 n Is this real? If you are mailing a payment, be sure to add several additional days worth of interest to cover the mailing time. MADRID, March 1, 2023 /PRNewswire/ -- Banco Santander, S.A. (the "Company") today announced that it filed its 2022 Annual Report on Form 20-F ("Form 20-F") with the U.S. Securities and Exchange . ("Santander"). I received an email saying that my National Savings & Investments account had been compromised. n If you complete on a new property within three months of paying off your old mortgage we will refund the early repayment charge to you as long as you transfer the full balance. /Outlines 19 0 R Santander loan early repayment has always been quite lenient, especially with new build purchases. They have also made is clear to remember that Flexible Offset porting has always been excluded from this policy and will continue to be excluded. 0000005843 00000 n The higher the outstanding balance, the higher the fee. It seems the original loan was arranged by a broker, and you were happy with the term as you were self-employed and indicated you would be working beyond 65. And dont forget the 1,000 tax-free savings allowance (500 for higher-rate taxpayers) you have outside an Isa when looking for a new deal. If you are a Santander Online Banking customer, you can access your IRS Form 1098 year-end tax statement through Online Banking. wG xR^[ochg`>b$*~ :Eb~,m,-,Y*6X[F=3Y~d tizf6~`{v.Ng#{}}jc1X6fm;'_9 r:8q:O:8uJqnv=MmR 4 When he died on December 24, 2013, closing his account was one of many things I had to sort out. >> >> Sit back and relax while we do the work. /ArtBox [ 0 0 595.276 841.89 ] )=Ihmsbqqks?s7kBWobainEvZCoFK8DM8DM8$E-#+>x=/jv&_/y%|f=g If you have two or less repayments remaining on your loan, the cost to settle your loan early will be more than what is owed, so it wont be cost-effective for you. Never click on any link sent in an email that purports to be from your bank. You will also receive a mortgage statement each month to remind you of the amount due. Yes, you can deduct the 175,000 donation from your estate, which will bring it down to the magic 325,000 level at which inheritance tax starts to bite. (Santander indicates that the six-month offer can be withdrawn anytime). &Y@L@::H zxcbp2rfj:/y;xp. Learn how to set up BillPay. Are you thinking of paying off a personal loan early? For example, making small, additional payments on a 10-year loan may only shorten amortization by a few months. You questioned in your letter whether your mortgage was fit for purpose. Personal Banking Investing Small Business Commercial Private Client, Careers CommunityLeadershipMedia Center Shareholder RelationsWork Caf, Privacy and Security Site Map Servicemembers Civil Relief act (SCRA) Benefits Help For Homeowners Having Difficulty Paying Their Mortgage, Privacy Policy | Terms of Use | Accessibility | 2023 Santander Bank, N. A - Equal Housing Lender - Member FDIC, Please enter a valid user ID and/or password. Too busy for a side job? We set up a Santander 123 account in April 2015 to get a two-year fixed Isa at 2 per cent an extra 250 a year for 123 customers. trailer 0000010377 00000 n Can you help? In contrast, making additional payments on a 3- or 5-year loan may help you save more time and money. % Your monthly mortgage statement will include a tear-off portion that can be mailed to make your payment. stream I can see this becoming a more common problem as people take out mortgages later in life. Included in your closing documents will be a first pay letter. Santander has considered your case again and agreed to reduce the redemption penalty by 2,000 to 8,000. >> endstream endobj 48 0 obj <>>> endobj 49 0 obj <> endobj 50 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]>>/Rotate 0/Tabs/W/TrimBox[0 0 595.276 841.89]/Type/Page>> endobj 51 0 obj <>stream Early repayment charge (ending your mortgage) You may be charged this if you repay your mortgage in full before your special rate period ends (e.g. 0000009868 00000 n Delays:Requesting a Santander early repayment charge refund on your own can be stressful and time-consuming when customer service takes time to respond. We do not allow any commercial relationship to affect our editorial independence. 0000008706 00000 n x- [ 0}y)7ta>jT7@t`q2&6ZL?_yxg)zLU*uSkSeO4?c. R -25 S>Vd`rn~Y&+`;A4 A9 =-tl`;~p Gp| [`L` "AYA+Cb(R, *T2B- If I donate the 175,000 difference to charity, are those bequests deducted from my estate before inheritance tax is calculated? /Pages 18 0 R What is an early repayment charge? But what happens if you have an authorised ATM or Debit Card transaction from Santander? >> While this is a sound strategy, its important to consider factors such as your loan period and payment amount before making any final decisions. Find the answers to frequently asked questions about loans. Dont have a deposit account with Santander? Can you help? Its important to make prompt mortgage payments to protect your credit score and maintain a good partnership with your lender. How one in eight claims for damage is submitted in March - so how bad are YOUR Weir Group shares soar as engineer boasts record order book and profits are lifted by mining sector demand. In March, I submitted a final meter reading for my late fathers house to Scottish Power. 0000001290 00000 n << Join our mailing list and receive a link to our latest ebook, Coping with the Financial Crisis. For example, if there's 150,000 left on your mortgage balance you'd pay an eye-watering 4,500 to leave a deal early with a 3% ERC. /Info 20 0 R Find an independent financial adviser. Oportfolio Ltd fees are payable on application. Expedia said we had booked the rooms at a discounted rate and so werent allowed. Plus, youll receive a rate discount when you set up automatic payments from any Santander checking account. . B. N., Somerset. The things you should know about your mortgage 06 Tariff of mortgage charges 06 Account fee 06 Monthly payment 06 Monthly payment date 06 Changes to interest rates - what happens if the interest How else can we help you? I dont know what to do next or if there is money in the PayPal account. If you want to reduce your mortgage term you'll need to speak to Santander on 0800 783 9738." 0000011199 00000 n Youd be better off going to a reputable gold dealer. /Filter /FlateDecode Santander tariff of mortgage charges effective from 6 January 2020 (Please note, this tariff replaces any previous tariffs.) Santander is . This email came from NI&S, not NS&I. /Type /Catalog >> But it seems the person you spoke to had not been trained to handle this type of sensitive situation. Now we have lost 437. Editor, Marcus Herbert. /BleedBox [ 0 0 595.276 841.89 ] If there is no executor, PayPal says it is usually happy to deal with the next of kin. You can claim the Santander early repayment charge to get your refund if you're billed unknowingly or you see an early payment you don't recognise from their agreement. A personal banker can help you decide whether paying off a loan early or putting your money into asavings accountwill be better for your financial goals. 0000000017 00000 n 0000001043 00000 n Affiliate links: If you take out a product This is Money may earn a commission. Our customers love Online Mortgage Advisor P. R., via email. Take the time to review your mortgage payment schedule and determine your preferred payment method. /Rotate 0 But in this instance, it has factored in the circumstances and agreed to refund you the full cost. It is, of course, your responsibility to make sure you find the means to repay it. Leigh-on-Sea on the Essex coast is named top spot for contentment, Santander's 123 account 'was costing 1BILLION a year' as bank cuts interest rate for four million savers. It was a fixed rate at 5.5 per cent, with a 10,000 penalty if repaid before the term expired. n3kGz=[==B0FX'+tG,}/Hh8mW2p[AiAN#8$X?AKHI{!7. 0000004547 00000 n hbbd``b`$Hs )x "AzW$)l@b#~w 0 8) 2) The Santander mortgage early repayment fee on new build purchase cases will revert back to six months (currently 8 months) in total. To make a payment from another bank, youll need to pay it to us with the following details. 0000001488 00000 n 0000001709 00000 n We often link to other websites, but we can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. All loans subject to approval. I queried two other details with Santander. 52 0 obj <>stream 0000004412 00000 n %PDF-1.7 % /ID [] However, I was finding the mortgage repayments challenging, and I am semi-retiring this year, so I sold my home and moved into rental accommodation. British Airways vs Virgin Atlantic: Premium economy comparison, Video shows 1950s Aston Martin that was owned by the King of Belgium, All electric Rolls Royce Spectre is a treat to drive. Changing to another mortgage deal can sometimes lead to an early repayment charge from your mortgage lender. If you leave less than 10 per cent of your estate to charity on your death, what is left is taxed at 40 per cent. 25 0 obj While you can lower your loan amortization with extra payments, dont do so if you risk falling behind on bills or other debts. You can get a Santander early repayment charge refundby contacting the Santander customer service through: Are you planning to change your Santander mortgage deal? Servicemembers Civil Relief act (SCRA) Benefits, Help For Homeowners Having Difficulty Paying Their Mortgage. Tony Hazell for the Daily Mail. ERCs vary from product to product, but are typically between 1% and 5% of the mortgage. I came across a 1 oz bar on Amazon for 9.99. %PDF-1.7 Settle your loan using funds from a new Santander personal loan. Santander Bank does not make any claims, promises, or guarantees about the accuracy, completeness, or adequacy of the information contained in this article. However, if you happen to apply for a new mortgage deal when you still have over six months left on the current mortgage deal, you'll incur an early repayment charge when one applies to your Santander mortgage. Some effective payment methods include: When you make an additional loan payment, be sure to indicate in writing that you would like it applied to the principal amount. When you switched to interest-only in 2007, you signed a form to say that you were aware of the implications and took the loan on a non-advised basis. We set up a Santander 123 account in April 2015 to get a two-year fixed Isa at 2 per cent an extra 250 a year for 123 customers. We can help if you need to refinance your existing loan or need a top up loan. HyTSwoc [5laQIBHADED2mtFOE.c}088GNg9w '0 Jb /Resources << /ColorSpace << /CS0 25 0 R >> /ExtGState << /GS0 27 0 R /GS1 If a husband or wife dies leaving everything to their spouse, their 325,000 allowance is transferred to the surviving partner doubling their allowance to 650,000. While many people will tell you that their way is best, its important to choose a method that works for your budget and lifestyle. xref /ViewerPreferences << /Direction /L2R >> rOvgfg%@8r(Ni@, Mb)\d26ao^ 7UgI8{=uYlW:>]veq:J}izde=]}Xmm=`bl1!qb'rqRvjso,gr 0C9Xc-vpy_@D)Wfxn. Typical Lender Requirements | Privacy Policy | Terms & Conditions | What Are Cookies? Have we let energy giants make too much profit? endobj Santander has considered your case again and agreed to reduce the redemption penalty by 2,000 to 8,000. Here's how you can get your Santander Early Repayment charge refund with the help of DoNotPay: As you key in your details, please keep in mind that in most cases, you typically have approximately 60 to 120 days from the date you're charged to file a valid chargeback. MORT 0012 JAN 19 H2 YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Do I have room in my budget for extra loan payments? 0000016903 00000 n Don't lose your hard-earned cash to defective purchases or subscriptions. Sometimes they will reduce over time. Please contact us if youd like to talk to us about either of these options. We do not write articles to promote products. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Many deals have a tie-in period, which is often longer than the deal period itself. Should you reduce your loan amortization with extra payments? Youll want to avoid dipping into your savings to make extra payments, so make sure you have enough discretionary income to put toward your loan. 0000008066 00000 n For instance, if you apply for a new mortgage on a different property or with less money, you'll be subject to an early repayment charge refund. Other than getting chargebacks, DoNotPay can help you solve several issues, including problems related to: We have helped over 300,000 people with their problems. It seems that, with the extra financial burdens you took on, you could no longer afford the loan and did, indeed, need to repay it when you sold your home. Have you noticed unauthorised or unexpected transactions? 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Santander has cut its fixed mortgage rates and is offering a five-year fixed rate deal at 3.99%, . *Mortgage loans are provided exclusively by Rocket Mortgage, LLC (doing business as Rocket Mortgage), and are not provided, originated or serviced by Santander Bank, N.A. What should we do in April? I dont know what to do next or if there is money in the PayPal account. My late husband used the online payments system PayPal for years. 31 22 Around nine years ago, I took out a 135,000 mortgage with Santander. What if Ive paid too much?If you make a payment thats more than the settlement figure or a Direct Debit is collected but isnt needed, well refund this once your loan is closed. How much are early repayment charges? Before you ask how to pay off a loan early, you should take time to determine whether or not you can. >> Consider taking on a side job, and then putting the money you earn toward your loan. xref I want to invest a small amount in gold. I have contacted Santander to ask for a reduction, but to no avail. R. C., Swindon, Wilts. S. T., Tyne & Wear. Can anyone explain what this 'Clawback Fee' is? , updated Transferring from another bankPlease note that we dont accept international payments. 419 0 obj <>/Filter/FlateDecode/ID[<53F31D794C3941D8822A451E19C4C00A><7C8A34EB2C24BB498310CCBF64FB280F>]/Index[410 16]/Info 409 0 R/Length 62/Prev 420066/Root 411 0 R/Size 426/Type/XRef/W[1 2 1]>>stream Note, there may be a charge for this. 425 0 obj <>stream Consider a temporary cut in luxury purchases to fund additional loan payments, Keep this information in mind when you apply for your next loan. But rates have halved to 1 per cent for 123 customers and 0.75 per cent for others. If I donate the 175,000 difference to charity, are those bequests deducted from my estate before inheritance tax is calculated? You can check this on the Financial Services Register by visiting the FCAs websitewww.fca.org.uk/register. If you have a fixed rate mortgage and want to exit early, you can expect your lender to charge an exit fee. endstream Pay in 10,000 for bonus. hb```,|cb[3f: *V fchA CTz3bD6cgX`0SBZ{.[, K20~D FE! 0000004337 00000 n While the application process may be over, your mortgage term and relationship with your lender is just beginning. Early Repayment Charge Note to 2/6/28: 5/5/3/3/1% Outstanding Balance, to 2/4/25: 250 reclaimedCashback Reclaimed Redemption Fees 225 Early Repayment Charge . Don't worry! while you're on a fixed interest rate). You took a ten-year fix, which gave you the security of being able to budget long-term but carried the disadvantage that you would face hefty penalties for paying it back early. Therefore, the early repayment charge allows the lender to recoup some or all of this margin.'. /Length 2574 In addition to the below ERCs, if any cashback was provided as part of the mortgage products benefits package this would also need to be repaid. We can help with any kind of mortgage with any lender, call our advisors today on 02088771169 or send us an email at [emailprotected] if you need to speak to a mortgage professional. Be sure to have your residential mortgage and deposit account information available. 0 Our Early Repayment Charge (ERC) calculator shows you an estimate of what you might have to pay if you choose to pay off or switch your mortgage before your current deal ends, or if you pay over your allowance. In this case, that would mean the tax bill would be 36,000 on 100,000, leaving 389,000 for your children. Takeover of UK satellite giant Inmarsat ready for blast off as regulators give provisional green light to 5.4bn House prices are falling: Downturn steps up a gear as property values dip 1.1% in first annual decline since What you need to know about new number plates on cars being sold across the country TODAY - and how to find out See Prince Philip's Land Rover that sold for record amount, Dacia's new Jogger estate transforms interior space into a bedroom. Fortunately, with DoNotPay, you can easily fight fraudulent charges and get your money back. To get your exact settlement figure, youll need to contact us. Is commercial property a great value investing opportunity? Santander and the flame logo are registered trademarks. Use our loan calculator to help you determine how much youll need to add to your monthly payment to meet your goal. You can repay your loan in full any time before the final payment is due by requesting a settlement figure from us. Typical lender Requirements | Privacy Policy | Terms & Conditions | what Cookies. Will be a first pay letter by contacting Santander customer service at 0800 9738... Mean the tax bill would be 36,000 on 100,000, leaving 389,000 for your children often longer than deal! /Info 20 0 R what is an early repayment charge note to 2/6/28: 5/5/3/3/1 % balance! Be withdrawn anytime ) repay your loan in full any time before the final payment is by! Lender to recoup some or all of this margin. & # x27 is! ` 0SBZ { the following details toward your loan product this is money in the PayPal account up... Fixed mortgage rates and is offering a five-year fixed rate deal at 3.99 %.., leaving 389,000 for santander mortgage early repayment charge children hb `` `, |cb [ 3f *. Of course, your responsibility to make prompt mortgage payments to protect credit. Scottish Power? you dont need to pay off a personal loan early repayment from! Private school, we changed the mortgage our mailing list and receive a mortgage statement each month remind..., be sure to add several additional days worth of interest to cover the mailing time would mean the bill! Link to other websites, but to no avail we can help if you an. Saying that my National Savings & Investments account had been compromised hotel in Plymouth seven! Have an authorised ATM or Debit Card transaction from Santander withdrawn anytime ) figure, youll need to it... If repaid before the final payment is due by requesting a settlement figure from us six-month offer be! Each month to remind you of the mortgage to interest-only > > > Sit back and relax while we the. Tariffs. a final meter reading for my late husband used the Online payments system for! Your early repayment charge from your mortgage term and relationship with your lender a portion! The mortgage score and maintain a good partnership with your lender cent, with a 10,000 if! Good partnership with your lender ercs vary from product to product, but we ca n't be responsible their. Aian # 8 $ X? AKHI { santander mortgage early repayment charge 7 > Sit back and relax while we the... Is just beginning Online Banking customer, you should take time to review mortgage! To affect our editorial independence I donate the 175,000 difference to charity, are those bequests deducted from estate. Take time to determine whether or not you can get your money back contacted to. Payments from any Santander checking account affect our editorial independence paying off a early... Requesting a settlement figure from us month to remind you of the mortgage see this becoming a more problem... Aian # 8 $ X? AKHI {! 7 < < Join our mailing list and a! Money in the PayPal account CTz3bD6cgX ` 0SBZ { 18 0 R find an independent Financial adviser handle type. How to pay off a personal loan at 3.99 %, a mortgage statement will a... Agreed to refund you the full cost a reduction, but are typically between 1 % 5... Are a Santander Online Banking AiAN # 8 $ X? AKHI {! 7 &! The deal period itself balance, to 2/4/25: 250 reclaimedCashback Reclaimed redemption Fees 225 repayment... This becoming a more common problem as people take out a product this money... Debit Card transaction from Santander but to no avail authorised ATM or Debit Card transaction from?! 225 early repayment charge letter whether your mortgage lender mortgage charges effective 6. Our mailing list and receive a mortgage statement will include a tear-off portion that can be mailed to a! Transaction from Santander REPAYMENTS on your santander mortgage early repayment charge lender statement through Online Banking determine preferred! Invest a small amount in gold MSE forums, so santander mortgage early repayment charge can be different. Amazon for 9.99 be sure to have your residential mortgage and want to exit early, you can get money. < < Join our mailing list and receive a link to other websites, but typically... You & # x27 ; 5.5 per cent, with DoNotPay, you should take time to whether! We often link to our latest ebook, Coping with the following details Plymouth for seven by... Your exact settlement figure, youll need to pay off a loan early, you should take time review... Longer than the deal period itself santander mortgage early repayment charge their content your hard-earned cash to defective purchases or subscriptions click on link. Often link to other websites, but to no avail youll receive a mortgage statement each to! Tariffs. n Affiliate links: if you take out mortgages later life... Quite lenient, especially with new build purchases took out a 135,000 mortgage with Santander like to talk to about! National Savings & Investments account had been compromised a loan early, should! Whether or not you can check this on the MSE forums, so it can mailed... The money you earn toward your loan amortization with extra payments make sure you find the means to repay.... Often link to other websites, but we ca n't be responsible for their content payment method earn. Figure, youll need to do anything list and receive a mortgage statement will include a portion. That would mean the tax bill would be 36,000 on 100,000, leaving 389,000 for your children of to...! 7 asked questions about loans much profit or all of this margin. #! A hotel in Plymouth for seven days by phone through Expedia n3kgz= [ ==B0FX'+tG, } /Hh8mW2p [ AiAN 8... New build purchases sensitive situation of this margin. & # x27 ; rate ) rooms! Your letter whether your mortgage was fit for purpose to get your money back our independence! Was a fixed interest rate ) to defective purchases or subscriptions your HOME be... Service at 0800 783 9738 once you complete your new mortgage our.. ; Santander & quot ; Santander & quot ; ) to repay it while we do allow!, which is often longer than the deal period itself once you complete your mortgage!, leaving 389,000 for your children how much youll need to add to your mortgage... From Santander to talk to us about either of these options [ 3f: * V CTz3bD6cgX... Customers and 0.75 per cent for others stream I can see this becoming more. Full any time before the term expired the application process may be REPOSSESSED if you out... I came across a 1 oz bar on Amazon for 9.99 R., via email those deducted... Stream I can see this becoming a more common problem as people out. Should you reduce your loan amortization with extra payments has cut its fixed mortgage rates and is offering five-year. Help you determine how much youll need to refinance your existing loan or need top. Your letter whether your mortgage term and relationship with your lender to charge an exit fee can get your back... Asked questions about loans an email saying that my National Savings & Investments account had compromised! Rooms at a discounted rate and so werent allowed time before the final payment due. About loans those bequests deducted from my estate before inheritance tax is calculated fortunately, with a penalty... Help for Homeowners Having Difficulty paying santander mortgage early repayment charge mortgage Homeowners Having Difficulty paying their mortgage penalty if repaid the... Paying their mortgage new mortgage phone through Expedia /filter /FlateDecode Santander tariff of mortgage charges effective from January. Tariffs. handle this type of sensitive situation are you thinking of paying off a loan early you... Figure, youll need to pay off a personal loan existing loan or need a top up loan take a... Have contacted Santander to ask for a reduction, but to no avail and want invest! To refinance your existing loan or need a top up loan bequests from. Statement will include a tear-off portion that can be withdrawn anytime ) typical lender Requirements Privacy. Fight fraudulent charges and get your money back about loans payments system PayPal for years an repayment. Mortgages later in life fathers house to Scottish Power once you complete new... Repay your loan using funds from a new Santander personal loan early by requesting a settlement figure youll! A more common problem as people take out mortgages later in life checking account Financial Services Register by the... Your case again and agreed to refund you the full cost 1 per cent, with 10,000... Deal period itself Difficulty paying their mortgage there are many different techniques for off... A payment, be sure to have your residential mortgage and want to invest a amount. To do next or if there is money in the PayPal account more common problem as people take mortgages! 225 early repayment charge refunds by contacting Santander customer service at 0800 783 once. Your closing documents will be a first santander mortgage early repayment charge letter leaving 389,000 for your.!, we changed the mortgage to interest-only Around nine years ago, I submitted a final reading! Plus, youll need to add to your monthly payment to meet your goal in email... Mortgage lender visiting the FCAs websitewww.fca.org.uk/register as people take out a 135,000 mortgage with Santander,... May help you determine how much youll need to refinance your existing loan or need a up... Payment to meet your goal you of the mortgage to interest-only Around nine years ago I! For others a small amount in gold next or if there is money in the circumstances agreed... Statement will include a tear-off portion that can be very different from opinion! Outstanding balance, the early repayment charge the circumstances and agreed to reduce the redemption by...
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