Hi everyone.

I'm after a bit of help.

I have just found out I can claim back the charges on my mortgage.

I have requested a statement from my mortgage company who odly have sent one out without charging me.

However there is a problem.

I took my mortgage out in 2007 with future mortgages, the mortgage was then sold to Engage credit.

The current company engage have sent a letter saying,

"we acknowledge receipt of your recent enquiry requesting copies of your mortgage statements.

Please find enclosed the requested statements.

Unfortunately, we have not been able to provide statement from 1 April 2009 up to 31 March 2010

as this was not provided to us by your previous lender."

My concern is that the statement ending 31 March 2009 shows a balance of £153,783.69

The statement that starts on 1 April 2010 shows a starting balance of £156,346.89

This means that £2563.20 has appeared on my mortgage total and I have no statement to show why.

At present my fees balance on the mortgage stands at £2068.81.

Could someone please give me some advice as to how to proceed.

Firstly how do I go about recovering the charges I can see applied to my account,

and secondly what do I do about the missing statement and the sudden leap in money over a year.

I find it very convenient that in the years missing period there is a sudden leap in my balance.

There are some legal costs on the account from them trying to take me to court to repossess after 2 months arrears,

which was paid on the day of the court hearing.

thanks in advance

james

http://www.consumeractiongroup.co.uk/forum/showthread.php?296108-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

you cannot reclaim legal fees.

as for the missing statements

send and SAR to the original lender

dx

thanks dx,

is there an easy way I can calculate the interest that is due on the charges they have applied to my account, as in a form or spreadsheet.

Also when I have the information back containing all of the statements will I need to write to both Future (who I took the mortgage with)

and Engage (who future sold the debt to) or do I just write asking for a refund to one of them?

What happens if they do not provide a copy of the statement for the missing period?

How do I get them to tell me why there is an increase in the balance?

Sorry for all of the questions,

I just want to try and get a full understanding of whats what and the steps I need to make sure I don't miss anything.

if they charged interest on the PENALTY/ARREARS fees

then you'd use the CISHEET. at their mortgage rate.

the claim would goto the org lender.

wait an see if the sar throws up the missing statements.

they are around somewhere and LEGALLY they must hold data for 6yrs.