Thanks for your response. In the forensic report it made reference to the fact there was very little evidence of correspondence relating to all the various charges. The accountant also said if he struggled to understand what the charges were for then a customer would struggle even more. He's right, but I guess there's nothing else I can do! Again, thanks for the input.

Hi all. I have recently joined this site and have been reading posts relating to GE Money with interest. I took out an interest only mortgage with GE in 2008 alongside a secured loan, also with GE. It was completely unaffordable and i was in arrears a lot for the first 10 years. I have not missed a payment or had arrears now for 2.5 years but im still interest only with no real likelihood of paying the morgage off given that im now 52 and have suffered 2 heart attacks in last 6 years. I had a forensic accountant review my mortgage statements with GE Money (it was done as part of a no win/no fee claim with a solicitor) and the report provides a huge amount of detail relating to unreasonable and unlawful (their words!) charges (nearly £40,000 when you include interest). In the end my claim could not be heard as it was outside allowable time limits but I wondered if I could use the info within the report to claim unfair charges (ie for returned DDs, field visits, etc?) If so, how would I calculate any interest on these charges? And also, is there a time limit for claiming unreasonable charges? Thanks in advance for any help/advice received.