Thread: Charges Help

It was only after being late in our last payment to Swift that I reliased how much these people were charging me for being late. Sadly over the last year I have been late with payments, but as of today, I have paid everyone. Here is a list of charges they have for me-

5 year loan starts on 6th March 2007. Payments all up to date until August 2008.

9th Nov 2007-£65- SG2/65 Letter Sent
12th Dec 2007 £65- SG2/65 Letter Sent
18th Jan 2008- £65- SG2/65 Letter Sent
6th Aug 2008- Returned direct debit- £188.52 (thats my monthly payment)
6th Aug 2008- £33- admin Fee- R/D Auto Added
11th Aug 2008- £23- Arrears Charge R1
18th Aug 2008- £23- Request for info from mortgage
18th Aug 2008- £23- Arrears charge R2
22 Aug 2008- £12- RCD Info from 1st Mortgagee
22 Aug 2008- £24.01- interest Adjustment
22 Aug 2008- £395- L&D Adjustment
22 Aug 2008- £395(credit)- L&D Adjustment
26 Aug 2008- £23- Arrears Charge R3
2 Sept 2008- £23- Arrears Charge R4
8 Sept 2008- £23- Arrears Charge R5
11 Sept 2008- £23- Arrears Charge C10
11 Sept 2008- £250- Default Charge
10 Oct 2008- £23- Arrears Charge R1
17 Oct 2008- £23- Request for Info from Mrtge
17 Oct- £23- Arrears Charge R2
22 Oct- £12- RCD info from 1st Mortgagee
24 Oct- £23- Arrears Charge R3
31 Oct- £23- Arrears Charge R4
6 Nov 2008- £23- Arrears Charge R5
11 Nov- £23 Arrears Charge C10
11 Nov- £110- Default Charge
10 Feb- £23- Arrears Charge R1
11 Feb- £23- Enclose S/O Mandate
11 Feb- £23 (credit)- Reversal of previous charge
11 May- £23- Arrears Charge R1
18 May-£23- Request for Info from mrtge
18 May- £23- Arrears Charge R2
18 May-£23- Request for Info from mrtge
18 May-£12- Attempted Borrower contact
22 May-£23- Request for Info from mrtge
26 May-£23 Arrears Charge R3
3 June-£12- RCD Info from 1st Mortgagee
10 June-£23-Arrears Charge R1

How can they get away with charging me so much? Especially the default charges of £250 and £110 and the amount of times they requested mortgage info in May.

Having looked through these charges, do you have any advice? I still have until March 2012 to pay this loan off.

sad thing is they will charge interest on these too, which is also secured against your loan.