Thread: Problem with Kensington Mortgage - arrears query

Hi. Hope someone can give me some advice.

I originally took out a mortgage with Infinity Mortgage Ltd in Oct 2007 who then changed to Kensington Mortgage Co Ltd in Nov 2007.

The first direct debit was set up and taken on 1/12/07 but there was an initial outstanding amount that seems to have been missed by either the mortgage company or my mortgage broker for £1094.61.

At the time I received ONE phone call and was asked if I would like this one amount to me put onto the end of the mortgage?

Now as the mortgage has come to the end of its term I am suddenly being bombarded with phone calls (every other day) and letters demanding this amount be paid PLUS interest.

At first I had to establish what this payment was for as there has been no other confirmation or correspondence to confirm and I had to jog my memory back to 2007.

I don't mind paying what I owe but I do not agree to them: (a) adding interest to this amount for the last 3 yrs (b) Never having communicated this to me (other than one phone call in 2007) (c) Filing my details with Experian, etc - giving me a bad credit rating.

I have NEVER defaulted on a payment and have paid regularly every month.

I am about to send a letter so does anyone have any advice of how I should word it and what my rights are?

Kind regards.

Hi. Hope someone can give me some advice.

I originally took out a mortgage with Infinity mortgage Ltd in Oct 2007 who then changed to Kensington Mortgage Co Ltd in Nov 2007.

The first direct debit was set up and taken on 1/12/07 but there was an initial outstanding amount that seems to have been missed by either the mortgage company or my mortgage broker for £1094.61.

At the time I received ONE phone call and was asked if I would like this one amount to me put onto the end of the mortgage?

Now as the mortgage has come to the end of its term I am suddenly being bombarded with phone calls (every other day) and letters demanding this amount be paid PLUS interest.