Could someone please offer me advice for the following situation: Had initial mortgage through broker with GMAC House repossessed following divorce £1000’s added in fees: missed DD; late payments etc Spent six years with ccj but now with A++ credit Paratas now coming after me for £5000+ repossession shortfall after selling the house In fact I have to appear in court in the next week or so to face a money order claim for the shortfall. My question is this: is there anyway that I can make a counter claim in 2018? I understand that several years ago people where making claims against GMAC but is this still possible today? Another question relates to mortgage arrears capitalisation. What is it and is it likely to affect my counter claim? I’m feeling rather desperate at the moment with the thought of finding £5000 to payout in the next few weeks. Thank you in advance...

Hi guys and gals,as these posts were made some time ago (2011) and we are now in 2014, is it still feasable to take mortgage lenders to small claims for unfair charges such as returned dd, late payments charges etc?What has happened in more recent times are there mre recent threads to follow? many thanks in advance Peter