BBC's Watchdog also tells you what to do, having covered the refund siutation in detail on TV the other week. There are full details and a 'template' copy letter for you to send to your own lender.(posted 8070 days ago)Copy and paste http://www.bbc.co.uk/watchdog/reports/reports_wmortgagelenders.shtml
Go get your refunds folks ! Good luck ! Vic