I will never use the mortgage department of John Charcol again. I asked when taking out a re mortgage to pay the fee to the third party up front, it was added on to the mortgage and it is not the first time it has happened. I have not had great response to my complaint and in the end had to sort out with an added charge. I will never recommend John Charcol and will in fact discourage people from using them. I am going to seek advice from the financial ombudsman as being ignored is not professional, but it is the best way to hope that someone is going to give up on the complaint.