following is my reasons to reject your final decision

1-level of arrears was only 2 month by the law and the agreement the lender has no right to take a legal action as long the arrears is not more than 2 month specially when there is agreeable arrangement and payment plan in place which I did honour my payment plan in such a case legal action is totally illegal and unfair and unreasonable in all means.

also this was the first miss payment since I had my mortgage with Skipton 3 years ago by direct debit payment with no single miss payment

totally unfair and illegal in all means

for £350 mortgage payment in 2 moth the lender charge £580 which is been add to the arrears which was only 2 month miss payment plus there is already payment plan in place so there is no any excuse to the lender to instruct a solicitor in any way, the level of arrears again was only 2 month which is been loaded by an illegal extra £580

2-as for Skipton to decide the condition of payment

the lender never keep it's promises what so ever and supplied misleading and wrong information all way through when I asked to release the stage payment in 2009 the lender stated the following lies

A- asking to keep the payment plan for 6 month before they release any further fund

which I have accepted and been done and wasted 6 month by all means for nothing with clear intention from the lender do no release any fund as promised

B-after the 6 month the lender did not honer they word to release the fund as promised and came back with another request story claiming I have to clear all of they unfair charges which is been loaded to my account illegally even so and again for the second time I did believe they lies and have cleared and paid off all they illegal charges and another month been wasted

C- the lender for the third time refused to release any fund and dishonourer they word and promises asking for 6 month bank statement again more wast of times with no excuses or reasons why they never asked for all of this information from the beginning.

Again and for the third time 6 month bank statement has been provided to the lender as requested and also the financial ombudsman clearly stated at the time in they confirmation letter that as soon as the lender receive this document they will release the fund and I still have a copy from your letter and again I did supplied 6 month bank statement another and another month been wasted even so the lender refused to release any fund

D-for the fourth time the lender refused to release any fund and ask for another request which is a direct debit to be made before they release the fund again another month been wasted and the direct debit been set as requested and also you do have all of this information in file and even so the lender refused to release any fund

E-all the information supplied include 6 month bank statement and direct debit payment and then the lender after nearly a years of lies and misleading information and request refused to release any fund claiming the reason is because I have missed 2 payment last year according the letter which is again you do have a copy of it which is been confirmed by your department

in all means you already have all of this information in your file and knew that all of this information has been supplied to the lender direct debit payment and 6 month bank statement so what excuse are you given the lender for not releasing the fund again I have to remain you with your last year letter which clearly stated the lender will release the fund as soon as they receive your bank statement and direct debit which I did at the time last year and you never replied since and claimed you are so busy for over a years and again I have supplied a copy of the lender refusal to release any fund claiming it is to do with 2 month miss payment the year before which is over 14 month ago again and by all means very clear evidence to proof the misleading and lies by the lender for over a year

Finally you also stated that you can't see that I been charged the wrong interest and claim the rate has expired in 2009,

with my all respect for sure you are a qualified mortgage advisor and fore sure you knew from the mortgage agreement that the word ( mortgage term ) clearly means the total length of the mortgage offer and does not means any special period of time such as tracker or discount or fixed rate mortgage simply the mortgage term refer to the total length of the mortgage which is 25 years in my case and not 3 years as you claim

there is already another 50000 customer has been simply over charged by Skipton who already claim the increase of the interest rate is due to special current market circumstance and never claim as you mention its' been set for fixed or discount period

for sure I will take a legal action and will submit a complaint about the level of service I have received by all means from the Financial Ombudsman as I do believe you haven't dealt with my case in any fair manner in any way what so ever and ignored all the real clear fact that I have supplied along with all requested information to the lender and also your previous letter over a year ago claiming the lender will release the fund as soon as they receive my direct debit agreement and 6 month bank statement which I have already supplied at the time and for the fifth time the lender didn't honour they promises and refuse to release any fund and also ignored the real fact about the illegal charged which is been add to my mortgage arrears for no reason and finally by claiming that the mortgage term is for the first 3 years and ignored the lender promise that the interest rat will never be more than 3.9% over the mortgage term which is 25 years and not 3 years as stated .