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At least 18,000 customers across two lenders, which belong to the National Bank of the Australia were invited to increase their direct debits amounts ranging from 25 ￡ ￡ 700 per month after a bank error leads to exempt them a total of 19 m ￡. Clients were outraged when Clydesdale and Yorkshire give them the ability to erase the underpayment full or increasing their monthly payments.

But now it appeared that some borrowers were able to get their insufficient struck their accounts to complain to the Ombudsman, arguing that both banks must bear the burden of their erreur.Malgré Ombudsman's finding in favour of these borrowers are complained, Clydesdale and Yorkshire refuse delete customers who have not been insufficient complaint in the hope that they will be fully reimbursed.

Ray Boulger John Charcol, mortgage broker, said: "" now that precedent has been set by the Ombudsman, it is difficult to believe Clydesdale will be still insist on push people to client rembourser.Les had a windfall due to the failure of the Clydesdale to calculate payments with précision.Ils will now have to pay appropriate amounts, but for those who claim their outstanding capital will be less than once refund was struck off the coast. ""

Yet the two banks are still trying to induce the majority of customers who have not yet claimed to renounce their right to full compensation by providing one-time cash incentives to agree to subscribe to a refund scheme to pay inadequate in full.

A Clydesdale client with an underpayment ￡ 4,000, who said in his monthly payments would be increased to ￡ 680 to 960 ￡ per month, offered cash of ￡ 800 if he agreed to do not apply to the ombudsman.Clydesdale, explains the increase 41pc payment he claimed he reflects the correct monthly payment and amount to eliminate the deficit caused by the previous insufficient.

Experts are urging Clydesdale and Yorkshire customers asked to repay underpaid money to consider making a complaint to the Financial Ombudsman service rather than to accept incentives cash.Leurs calls have been strengthened by the initial findings of the ombudsman of the borrowers who have ordered banks swallowing the insufficient instead of retrieving their customers.

The Ombudsman stressed that it was likely to find in favour of the client where it or it could have been expected know that they have been underpaying list.it cases where borrowers interviewed are required by the Bank and pay the lower amount of good faith, the Ombudsman said he would order the lender to deregister the lack of capital was at the time that the error was settled the.

But it will not grant compensation for future inconvenience of having to make payments accrues.Le Ombudsman explained that reduce remuneration proportionally where the borrower is partially responsible, for example where the borrower has discovered the difference and kept quiet about it or ought to have known that something call.

Some holders of mortgage Clydesdale and Yorkshire Bank argued that it was made more difficult for them to make their repayments were too low because mistakes banks comes at a time where the media was flooded with extremely good mortgage lending markets, reports caused by historically interest rates low.

At the time the insufficient discovered that banks said that they evil calculated monthly payments on mortgage loans clients due to an error built into their system by 2005.Cette error shows only up to a significant when degree drop rates or increases sharply.

This has led to allocate capital how has been repaid, leading banks to apply unless the required minimum monthly payment for customers erase their mortgages in the defined term.

Affected customers have variable rates and tracker loans hypothécaires.Deux third of affected individuals took out mortgages with Scotland Clydesdale.

Banks have apologised for the error, but say that about half of the customers who have been underpaying total suggested increase is approximately ￡ 25 per semaine.Jason Clarke, a spokesman for Clydesdale Bank and Yorkshire Bank, said: "we cannot comment on cases individuels.Je understand that only a small number of cases have gone to the ombudsman."

"In some cases the Ombudsman agreed with our position and others with the client.Chaque cases are different.

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