# MORTGAGE EARLY REPAYMENT CHARGE DISPUTE
Date: 18 February 2037
Parties: Daniel Wright and Westmoor Bank plc
## 1. Purpose and parties
I dispute the £7,860 early repayment charge applied to the redemption statement for my mortgage on 42 Fern Road, Leeds LS12 3RF. I asked for a redemption figure on 2 February 2037 after the fixed-rate period ended on 31 January, but the statement applied a charge described in an earlier draft as ending with the fixed period.
## 2. Facts, scope and terms
The offer documents and annual statements do not explain why the charge remains payable after 31 January or how £7,860 was calculated. Please suspend collection of the disputed sum, provide the contractual clause, calculation and relevant tariff, and issue a corrected statement if the charge does not apply.
## 3. Process and responsibilities
This is a complaint under your internal complaints procedure and does not admit the charge or waive any right. I ask for a final response within the applicable period and reserve referral to the Financial Ombudsman Service, subject to its jurisdiction and time limits. I enclose the offer, statements and correspondence.
## 4. Evidence, records and safeguards
The parties should retain the relevant contract, notice, invoices, records and correspondence, and restrict access to personal or confidential information to those who need it. The stated amounts and dates are fictional worked-example facts and require checking against source records.
## 5. Review, escalation and outcome
If the issue is not resolved, the parties should identify the appropriate next step, which may include an internal process, mediation, court or regulator. Silence or part performance is not treated as acceptance or waiver.
## 6. Reservations and practical protections
This document is a general fictional example, not individual legal advice and not a guarantee of eligibility, liability or outcome. Where necessary, an independent professional should check the facts and current law.
## 7. England and Wales law and completion
This completed fictional sample is made on the date above under the law of England and Wales and subject to mandatory protections. It does not exclude any right, liability or remedy that cannot lawfully be excluded.