HI ALL,

to cut a long story short ive had problems with the above for ever.

I have an arrears repayment order on a suspended warrant which is nearly paid off,

howver every year they attempt to enforce the warrant without success.

My issue is this,

on my letters and quarterly statements I have seen a whole bunch of other charges.

3 years ago i wrote to complain and they removed them incremently.

these charges are shown to be part of the arrears

however they are threatening again (not that i get worried),

please could you tell me exactly what the hell these charges are as im thinking of actually taking this further and calling them out on them

on my statement it states

Insurance related charges (the buildings insurance is part of the CMI and is stated on the monthly interest rate letters i get)

i have no idea what these are

Fees and Security related charges ( a name change here as they were listed as other at one point)

These fees and charges total 6822.87 and are put on the arrears of which the total is 2757.

So makes my arrears look higher than they actually are.

Is there anyrthing within FSA MCOBS regarding this and how to deal with it officially?

any help greatly appreciated:-)

Thank you

SAR time first me thinks!!

why do you need building ins with them did you not have it already?

some mortgage cos insist you have ther insurance, same as the mafia offer such a service to prevent you business burning down.

Probably the legality is the same as well

hi, yes iv already requested a SAR, and the insurance is part of the CMI,

my questions was about the £6000+ of 'fees' they have added to my arrears balance.

Are they legitimate?

as last time i pulled them over these they were removed. now they come back with these.

and the buildings insurance well.....that was a years long arguement i had with them, they would not accept my providers even though it was more comprehensive and value of insurance was higher than theirs.

AFAIK no fixed sum penalty fees are lawful.

the FCA deem any penalty sum to be unlawful as they do not reflect the actual/any extra work they had to do

note unlawful not legitimate

and the buildings insurance well.....that was a years long arguement i had with them, they would not accept my providers even though it was more comprehensive and value of insurance was higher than theirs.

then go get that back too take them to the FOS if you have too.

If it helps maz, I am in exactly the same position with Rooftop/JPM and made a complaint to the FOS as suggested.

It took nearly a year and a few idiotic emails from them until they rejected my claim re unfair arrears and insurance fees etc.

Having followed dx's advice I have now written to them asking for it to be sent direct to the Ombudsman as I wasn't happy with the assessors decision.

Its likely to take another year but until we get a definite answer on this we have to go along with it.