Preferred Mortgages - FCA rule they have to refund overcharged fees in Mortgages and Secured Loans Posted July 30, 2015 Southern Pacific sold my mortgage to engage credit earlier this year, I have not heard anything about a refund from either company, am I entitled to be refunded? Mine was sold to Acenden. What de we have to do to see if we have charges to claim back ?? I haven't received a letter.