Hi, with relation to this can I ask if this applies to credit cards as well as loans? Thanks George

Hi, never used this site to post before but can see that there are a lot of very knowledgable people around. Wonder if I could seek some advice. Following a rather messy divorce I finally sold the house and closed the mortgage off back in October 2006. There had been a period of about 7 months or more where I was unable to pay the mortgage so consequently kept getting charges each month for every letter they sent me to say that I had missed a payment despite me informing them in writing that this was going to happen and the reasons behind it. I would imagine also that there were some charges relating to the re-possesion order that they tried to action against me although I managed to sell the house prior to it being granted. So basically I would like some guidance on what, if any, money I can get back off of these people. I also plan to do my bank charges as well but think I am ok initially with the advice I have read. Would appreciate anything you can do to assist me. Many thanks in advance. George