I have had, in the past, 3 different mortgages.
1st) Igroup - £25k, in arrears for just under 2yrs til i remortgaged with...
2nd) SPML - £55k+/- in arrears for 6mths til I remortgaged with....
3rd) Kensington £80k+/- in arrears for 9mths til I gave up all hope and sold the house!
As you can probably understand, with the total time of arrears I paid a fairly hefty amount in charges etc. Late payments, missed payments, 2nd attempt missed payments,
What exactly can I claim back? And is there a limit to how far I can go back?