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I must add well done to the guys at the above forum. Yes Car Credit customers would be left stranded without the support of that forum!!

Thanks for the info. I will send the letter off next week and will let you know what response I get

Where can I find the above?

I am concerned that I have been over charged by Kennsington Mortgages over the past 17 months and would like some advice please. When I first got my mortgage with them I gave them an account number with the Halifax, a number of weeks later I closed the account and informed Kensinton about this and not to make any further requests for payments. All future payments I sent to them by cheque every month. However every month they continued to apply to my closed account for the DD , this occured twice every month from January 2005 to May 2006. I was sent two letters evey month when the DD was returned, charging me £25 pounds per letter , £50 per month in total. They would not cancel the DD as they told me that it was in the terms of the contract that payments had to be made this way? So, over a 17 month period I have been charged in total £700 this was added to the balance of my mortgage. Last month I settled my morgage with them in full. Does anyone think that I may be able to claim theses costs back? ontop of this I also had to pay them an early settlement fee of £8500. Any advice would be welcomed. Many thanks.