I have been a Mortgage Express customer since July 2006 . Following matrimonial breakdown in 2007 and 7 months out of work in 2007 - 2008 I was in arrears to the tune of £12000. Justifiably taken to court and asked to pay £145 on top of the regular monthly mortgage payment in August 2008 - by which time I was back in full time employment. 18 months later I received an astonishing letter informing me that I had defaulted on the court order by over £3000 (false claim) and asked to pay an additional £220 on top of the extra £145 as agreed via the court order for three months. Having done what they asked I was shocked to receive another letter in March informing me that I had defaulted on the court order by over £2500 - I am sure they make the figures up as they go along. Having entered into a non prejudice agreement which will clear the arrears in just over 5 years instead of the 6 1/2 that would have been the timescale by adhering to the court order I've had enough of their false claims so I have reported them to the Financial Ombudsman Service, Consumer Credit Counselling Service, Citizens Advice Bureau, Office of Fair Trading and my local MP. This bunch really are a collective shower