hi thanks for that, I've read throught the stickies but daft question I know, who should I be claiming the charges back from future mortgages as they made the charges or engage credit as they have took over the mortgage

hi all, wondering if someone has the info re this. I am in arrears with my mortgage (arrears accumulated when I was out of work after finishing my degree) happily I work full time now but my mortgage was sold from my previous lender (future mortgages) to engage credit. I have been paying for the past few months, every month by bank transfer. I want to set up a direct debit to pay my mortgage which they are happy to do but I want to set it up for an extra amount per month on top of mortgage payment to start bringing the arrears down. They are refusing to do this unless I fill in an income and expenditure form and send it back to them. in the meantime as I don't have an agreement with them to deal with the arrears they are charging an extra £35 per month. so can they refuse to come to an arrangement unless I fill this form in. when speaking to them I asked why they needed it from me and his reply was that 'he could give advice about reducing any other debts we have' I replied but I thought you were FSA registered but not able to give advice (as it states at the beginning of the phone call when you call them) he said so that he could refer us on to an agency that would help us with debts and they could freeze interest etc therefore freeing up more money to pay off our arrears. I did say that I am capable of referring myself if needed but he still insists that unless this is completed and returned to them they won't come to an agreement re me paying extra off the arrears. btw I have been paying extra each month by bank transfer so I am more than willing to pay extra, just don't see why they won't come to an arrangement re the arrears.

has anyone had any problems in getting in contact with engage credit, I've tried numerous times and have only got an answermachine so I've left a message a few times and no-one has phoned me back. also when we first received a letter from them I contacted them to set up bank transfer as this is the arrangement I had with waller solicitors, they couldn't give me my reference number as they didn't know it but they advised me to contact future mortgages - so I did and they refused to give me a reference number as my account had now been passed to engage !!!!!!!!!!!! so have now finally got a statement from then with a reference no on the top and have used that to set up a bank transfer and make a payment also in reply my new rate after coming off fixed is 2.86% how's everyone else's