Hidden 刑罰，罰則

By THIS IS MONEY
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I took out a mortgage through a 財政上の 助言者 three years ago and now want to remortgage. But I have 設立する there is a £2,500 刑罰，罰則 - even though I have a letter 説 there would not be one. What can I do? PW, Bristol.

David Hollingworth, of mortgage 仲買人s London & Country, says: It sounds like you have been given （警察などへの）密告，告訴（状） that 衝突s with the 条件 and 条件s of the actual 取引，協定.

Make a formal written （民事の）告訴 to the 財政上の 助言者. If you are not 満足させるd with the 返答 you should say so in 令状ing. If after その上の consideration by them you remain 不満な you will reach a '行き詰まる' 状況／情勢 and they will 問題／発行する you with a '行き詰まる letter'.

At this point and not before you can take your （民事の）告訴 to the Ombudsman who will 調査／捜査する. You will find useful （警察などへの）密告，告訴（状） on making a （民事の）告訴 by clicking here or on www.mortgagecode.org.uk.

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