If you've switched mortgage or paid it off in the last six years you could be entitled to money back from your old lender. All you need to do is make a quick call and the money could be yours. For most, that'll mean a refund of around £100 but this could soar to over £200 for others.

It's all because lenders who charge a fee when you switch or pay off your mortgage, known as a mortgage exit administration fee or a MEAF for short, ended up charging people more than was initially agreed in their contract. In some cases a £50 fee 10 years ago has ballooned to £275.

The overcharging came about because lenders sneakily inserted clauses in mortgage contracts, allowing them to increase the MEAF.

This went on for most of the current decade up until the end of January last year when the mortgage industry's regulator, the Financial Services Authority, said 'enough is enough'. The FSA ordered lenders to stop overcharging and told them to refund anyone who has been overcharged in the past the difference between the charge agreed and the fee eventually levied.

And getting your money back is easy as most lenders won't put up a fight. We invited three MoneySavers into the studio to show just how simple it is. Two got their money back on the phone in minutes. The other was told to write in, but only as a formality. Together, they'll get a refund of £410 once it's all done.

If you think you've got money to claim back, give your old lender a call. Even if you don't have your documents your old lender should tell you if you are entitled to a refund. Remember a MEAF is different to an early repayment charge, or early redemption penalty, that you're charged if you pay your mortgage off before the end of an introductory period.

For Martin's full article on how to reclaim mortgage exit administration fees, including lenders' contact details, read martins full guide to Mortgage Exit Fees.