Hi I was hoping somebody would be able to offer advise on a situation I currently find myself in. I took out a mortgage with Platform, it was then taken over by Rooftop. Whilst I was under Platform I got into arrears and at that point they started to put their own home insurance on and applied this every month which i believe was around 2012 and was about £12 per month. Long story, short. I cleared the arrears for my actual mortgage debt and avoided repossession. Platform then passed my mortgage onto Rooftop 2 years later. Rooftop then sent me a statement showing there was over £3000 in arrears. I called them and they couldn't explain were these charges had come from. I requested a SAR and it showed that all the home insurance charges that had been paid by Platform many years before had incurred interest and penalties (Which never was never visible on any mortgage statement i received and the charges were sometimes doubled on a single month). There was also no mention of £3000 arrears for the insurance when i attended court. My mortgage statement still shows me to be £2700 in arrears, 9 years after i requested the SAR and they have never chased me for the this "debt". I am on an interest only mortgage and try to pay more that is required, but when i do it is obviously been taken from the arrears. Are they right to do this, or is there anything i can do to fight this? Any information would be much appeciated.