CHAPS Charge

[Spice_Weasel]

Hi all

Hope you can help with this. I recently paid a lump sum off my mortgage which was paid by a transfer by the branch staff from my savings acc to my mortgage acc. Having logged onto the tinternet banking service, I can see the transaction has been actioned, but I have also been charged £30 for a CHAPS transfer - a charge that was never mentioned while discussing the mortgage overpayment whilst with the branch staff.

I'd like know whether CHAPS is inter-bank only or whether the charge applies for a transaction that moves money within the same bank (the mortgage co is a subsidiary of the banking group hence I can't see why it would need to go outside the bank's walls). Googling this does not reveal any hits that cover my query exactly.

There are 2 issues here:
1. I have had a fee levied although I was not advised at the time that there would be a fee so I need to question this.
2. Is CHAPS the right method of payment or should this be something that the bank should manage as an 'internal' transaction?

Thanks
S_W

[Spice_Weasel]

There's a £10K limit on transfers via the internet service plus I deliberately wanted the in-branch mortgage 'specialist' help to work out the maximum lump I could pay off without incurring any early repayment fees.