Hi happy new year, I am posting for a friend that's not very computer minded, he has a mortgage that he was advised to take out to consolidate his debts, he has now received a letter telling him that he needs to find £129,000 for when the mortgage finishes, he is 65 and there is no way he can get that sort of money, so they have told him he will have to sell the house or they will repossess the property, I have told him it could well be mis sold, but the broker as now shut down, would we be still be able to make a complaint to the mortgage company, or is it the response ability of the mortgage broker. He would be great full for any advise given thank you.

Well, here we go again! After successfully reclaiming ALL my mis-sold PPI's, taking 8+ years, or so I thought, another one has surfaced. This time, it's an odd one. Out of the blue, I received an 'Annual Review of your optional PPI'. Addressed to me, with an insufficient address, which the post office delivered. There was a ref. no. so I contacted the sender. They had no record of it! But someone must be paying a DD of £49.66/pm. Certainly not me. We knew it related to a mortgage we used to have but paid off about 5 years ago. My husband checked his bank statements and....yes.....he's paying £49.66/pm. He queried it after paying off the mortgage then (and reducing all unnecessary payments) but his bank told him it was a Buildings Insurance and that it could be used for any property he lived in!!! (He never told me that one!!). Of course, he stupidly believed them and left it thinking he had to have it. How low can these banks sink??? Obviously, we will reclaim, but it has to be through my husband which does make it a bit more complicated. My thoughts are, that not only did they take out a policy on ME (I would have refused point blank to pay it), but I'm guessing the salesman then pressured my husband to pay it on my behalf. Don't get me wrong, my husband is far from stupid (!) but he runs his own business and these 'trivial' matters get dealt with then forgotten! Me? I know every penny I pay out!! The next 'odd' thing is they have my personal details, mainly correct, except it says current employment status: employed 16+ hrs/wk. Wrong! I have been self-employed for 35+ years! That, in itself, means I was mis-sold since I could never claim. Sure, it says, if self-employed, that the business must 'fail' or 'voluntarily cease trading'. I've argued that one every time, since the business is 'me'.....what am I supposed to do??!! I have a feeling we could tackle them from various angles but would love to hear from anyone else who might have been in a similar situation? I think this is a mis-selling mis-selling!!...and they have walked right into a trap. I'm hoping my husband can find the relevant paperwork, otherwise we'll have to request it.

Hello all, Am after some help with Mortgage Agency Number 4 LTD which I have seen mentioned a few times throughout the years on this forum. I'll try not to go on too much and keep it short, any pointers would be greatly received. In 2006 our mortgage mysterily changed from GMAC to Mortgage Agency Number 4 LTD. At the time we where on a fixed rate with GMAC and nothing had changed so we merely continued as normal. The real illusion came to light when our fixed rate was coming to a end and we called MAS No 4 Ltd to check what new deals there where (fixed rates, trackers etc). We where trapped, mortgage was going to their standard variable rate and with the downturn moving mortgages without a perfect clean file wasn't possible. We therefore changed it to interest only to bring the payment within affordability. In december 2015 I suffered a accident at work (work fault) and required emergency surgery over the Christmas period, further surgery in April 2016 and another November 2016. I wasn't able to weight bare between Xmas 2015 and April 2016. It has been a terrible year. Being given only SSP for 28 weeks, the mortgage company where advised straight away, however there help was none existence. They refused point blank to reduce the interest rate to stop arrears building up, they gave us payment breaks but this acheived nothing but create arrears quickly. Their operators just advised us to sell and move, careless in every manor, every option or idea we put through to them shot down within seconds. They where advised all the way how things where but persited in daily phone calls and letters asking for updates, answered them and few days later back to the same questions as if I have had a immaculate recovery over night. There harrasment is in no way helping my recovery, did I ask for this = no. Have I ever been out of work since I left school = no. We have kept every single letter sent and received by them and have also recorded and stored every single phone call with them. They have been advised in writing that we are recording their calls but this doesn't stop their "sell up" manor To prevent the mortgage getting endless arrears, a parent offered to cover our monthly minimum contractual payment for a few months (Nov, Dec, Jan & Feb) this was to keep them happy and prevent arrears building. As per this was not good enough for MAS, they said they see this as an additional income and therefore this should come off the arrears. As they where fully aware, we didn't have enough funds coming in to cover the mortgage let alone the arrears. Another obsticle put in the way. It seems like all they want possession of the property, they simply dont care one ounce. I asked if they could capitalise the arrears too which within seconds was told that will never happen. I'm at a total loss with them and the last thing I told them is what we have always told them, once I am either back at work or my injury claim is settled we would be in touch to have the matter settled. I have nothing to gain not contacting them when things have improved. I dont want to discuss work within this thread as this is a sore area #I'm just looking for pointers please on how and what we should do to deal with these bullies the best way possible? Thank you

Hello, back at the end of 2008 I could no longer afford the mortgage on my french and spanish properties, I spoke to the bank but they did not want to help, I ended up handing the keys to both banks. In March 2010 I had a few emails from the french bank asking if the local agent could market the house as they had a buyer, this was all agreed and I didn't hear anything till January 2013 when a uk debt company asked me for full payment. They sent me a full breakdown of costs and they had added 40000 euros in interest late payment fees, court costs etc. I told them I didn't have the money or the assets to pay and that they should refer it back to the bank as they were irresponsible lending me the money when I hadn't sold the spanish property, Forward to Jan 2014 the same uk debt company start chasing again, but I gave them the same answer as above. Today nearly 3 years later they have sent me a letter to my home address stating they want full payment in 7 days or they will recover the money. I never knew that they had opened proceedings against me, but I was made aware that the french start repossession after 90 day, but the bank and the uk debt company are saying the house is still in my name. They also sent me a contract to sign saying the house could be sold for €40,000 when I translated the document the house could have sold for €90,000 ????? they said it was a clerical error. Original debt €117,000 Euros. Total to date is €180,000 Euros . Any advice would be very welcome.

Hi all, To make this as brief as possible, I had a second charge on my property with Nemo personal finance. In 2007 the property was repossessed due to a lot of bad luck and the original lender sold the property over £50,000 less than market value just to cover their own expenses (G E Money) which left nothing to pay off the second charge. I have been battling this loan on and off ever since and during this time Nemo took me to court and won because I never defended the claim and this was due to the fact \I knew nothing about it. I agreed a miminal payment to them which I paid monthly about 2/3 years ago I wrote to them sending them £10 PO asking for a SAR. They never produced it so after a while I stopped paying and things went quiet of a year. Now they are back on my case threatening with a attachment to earnings, High court Writ and Baliffs etc. I am not sure how I should proceed with this and would really appreciate some help. I id speak to one of their customer service reps when I got the first contact letter and explained that I stopped paying because they did not comply with my request and he said he would look into it and get back to me but he hasnt and I ave just had a letter threatening allsorts to collect. When I first loss my house I did do a lot of research on this with regard to the PPI and secret commissions which there undoubtedly was but never saw it through due to personal circumstances.

I've had a mortgage with the One Account, for a number of years. we got into financial difficulty a few years ago, and had it changed to interest only. They recently contacted us, to say they were concerned that the capital would not be repayed before the end of the term.. (in about 8-10 years) i think. their mortgage consultant, spent some time on the phone with me, and agreed it was in my interests to change to a fixed rate capital and interest . the product would have to come from Nat West, rather than the one account (same group). They wrote to us, to say the mortgage was approved. a few weeks later a company called Optima Legal, wrote to us to say the they could not approve the mortgage because of a 3k restriction (in my name only) - because their client had to have first say on any structure. This is despite a debt of 166k on a house worth 270k - and a restriction of 3k. So.... I have written to one account today, to advise them, that their actions of refusing to put me onto a fixed rate capital and interest loan may disadvantage me in the future, financially. I also, told them, i believe the one account mortgage type was mis-sold to me.. (way back)... anyone have any legal typeish thoughts on this ?

Hello, where I live is a house with a lock up shop to the front of it . I have been renting the house for almost 12 years and the shop for just over 6 years. It is privately rented but I would be interested in buying the property and I know my landlord would sell. The value I would estimate is in the region of £145000. Getting together some sort of deposit is not a problem. My issue is that looking at my income and doing the calculations that building societies / mortgage lenders do, I fall far short of what I would need to borrow compared to the amount they would lend. My rent is £550 per month and the shop is £400 per month so I am currently paying £950 per month. I am certain that mortgage repayments would not be more than this. As over the past 12 years I have proven that I can afford this amount are there any establishments around who would look at affording me a mortgage on the basis of my proven rent payments ? Thank you in advance for any help or advice

Hi everyone - I have an interest only mortgage made up of several loans (totaling approx £225k) the largest of which (£90k) finished its term about 8months ago. Bradford and Bingley sold me to Engage credit about 18mts ago. The endowment was cashed in about 10 years ago as a bad performer I used the money to pay the mortgage during a difficult time. B&B were aware of this but were happy to allow me to sell the property to eventually redeem the mortgage. At the end of term, Engage allowed me 6 weeks to get the property on the market and it has been ever since. My estate agent has been diligent, we have priced the property carefully - we have had viewings but as yet no buyer. We are doing are very best to sell , we have no arrears and Engage have seamlessly been collecting the monthly interest. My wife and I are both pensioners in our 60s with no chance of remortgaging - we are desperate to sell at the reasonable price we want - to acquire another smaller property mortgage free. I understand that Engage could start repossession proceedings any time. I had a phone call yesterday telling me that they had been very patient (even though they were collecting the interest) and my case now needed to go before management for a further decision. What are the chances that, if it comes to it, the County Court will allow me an extension to sell the property? Can Engage really want to chuck a couple of pensioners out on the street -could that really be part of their corporate manifesto?

Hi all, Newby to this site, approximately 1994 i handed the keys to my house to the lender, i was stupid to do so, i know that now but "old head, young shoulders" an'all that! i bought the house for £32,000 only lived there for about 3-4 years before life hit the skids. i moved around for a few years & ended up in wales, after a while i got a letter demanding approximately £14,000 i just screwed it up & filed it! they'd sold my house for £18,000 expected me to pay the difference for the full original amount borrowed! They repeatedly sent letters requesting that i go to the courthouse, i was scared to death! i ignored them, i was moving soon anyway!!! a year or so later similar letter drops on the mat @ new place, all in all i dodged it for years, then i got a letter telling me a warrant was out for my arrest. Time to put my hands up i thought!, i rang them & was told that if i went to local courthouse i could cancel warrant. i went and was asked a lot of questions concerning my bank accounts & had to show details of any bank accounts (cards etc) & sign some papers (no idea what) the guy questioning me said that i could more or less just forget about it from that point onwards. that was about 2006. now im getting the same letters again, a guy saying that he's trying to contact me concerning account #********* etc, he comes from a company called Excel counselling according to his paperwork. now, i have very little in the way of assets, i rent my home, i have a car & a motorbike but, & its a biggun, i am the director of my own LTD company now, are the assets of the company in any danger from this process? my company pays me the minimum wage to keep tax low etc. so i can prove that my personal income is quite low, but can they seize money or assets from the LTD Co? thanks!

http://news.sky.com/story/fca-says-750000-mortgage-customers-could-net-compensation-payout-10623570 I dont think this is or was a blunder - it was a deliberate action by the mortgage companies.

Hello after a bit of help trying to reclaim mortgage arrears charges through the Financial Ombudsman charges total £5000 of which i have paid £3500 through increased mortgage payments I have now been allocated to an adjudicator whom i have spoken to today Trouble is he wasn't that clued up and i think he s going to dismiss my complaint he said that he has looked at the charges and has spotted some that should not have been applied but most of the £40 monthly arrears charges are stated in my terms and conditions so he see s these as fair i told him about the FSAs guidance where they state excessive charges can be refunded he said he never heard of it so i sent him a link about GMAC where they had to repay £2.900000. is there anything else i can send him before he makes his decision any help would be appreciated

Hi all, Have an interest only mortgage with 11 years remaining and our mortgage company we have been with changed us over to someone else. Well we need to sort this mortgage out asap and switch to repayment but the company that now holds our mortgage does not allow changes like this. We contacted a mortgage advisor whom finally came back to me today and said due to the amount of unsecured debt we have the only company whom looked at ourselves said no and now we are stuck up a creak without a paddle. Does anyone have pointers, advise etc. We have never missed a mortgage payment in 9 years of having this mortgage but our outgoing are high and if we contact our creditors with reduced payments that will stuff our chances of a re-mortgage. HELP.

Dont want to reopen a can of worms but we do have an interesting twist on the lender not signing the agreement which is going to court in December.

I met a couple a few months ago,got chatting about this and that. Got talking about mortgages being self-employed things like that. Told me that after they have paid out for their home,food,gas electric and the rest they were left with next to nothing. Had a dog that they had had for ages but now needed a trip to the vet which seems to cost plenty. They told me that if they had been renting a property,private or council their low income would have given them housing benefit and they would then be entitled to get a little help with their pets fees.Think they meant the PDSA. Now way back in 2007 I was writing about people being in poverty in Detroit and the housing crises etc. People being repossessed or in arrears. At the same time there was a massive increase in people unable to afford to take their pets to a vet. What help is there available for people who cannot afford a vet because their income is low but their animals need help. And are not on housing benefit etc. Are there any groups anything out there that could help people and their animals. that are in these circumstances. I do not like to think that some animals maybe needing help and could be sad because they are ill or in pain. Thanks Tawnyowl.

Hi I was just wondering if I could get some advise please for my mother. I will try to explain best that I can, so here goes, I recently found out that my mother currently has an interest only mortgage of £102k from Accord Mortgages, the problem is that back in 2003 she purchased her council house for £28K in which she had a mortgage of £34k from a company called SPML. Now somewhere in between 2003 and 2006 (when she moved to Accord) her mortgage has obviously tripled in size. Getting information from her about where the money has gone is like getting blood from a stone. The only info I can find is that in Dec 2006 there is completion statement from a solicitor with the following. Capstone Mortgage £77k Kensington Mortgage £20k Money point 2.5k Cheque to her £2k + some fee =£102k As I said my mother is not very forthcoming with info, but from what I can gather she must have had extra amounts put on to her mortgage (which she denies). Is there anyway I can get all the info from previous transactions from Kensington & Capstone so that I can find what the hell has happened. She is absolutely awful with money and has debts with people like Eurodebt and Carbot which I will look into a bit later on. She is now at retirement age and will be homeless soon if she doesn't find the £102k hence the reason for all of this coming out. I would really appreciate any help given, If more info is needed then I can go through all paperwork that I have. Many thanks

Hello all, We've never been in this position before hubby lost his job a few months ago and had to sign on for the first time in his life (he is 60 and so completely destroyed). Finding another job at this age is proving very difficult. We have a mortgage. He is now getting support of £83 a week. I receive incapacity benefit for a progressive illness. It seems that we are entitled to help with the mortgage interest payments but won't get this help for 39 weeks. How do people pay their mortgage in the meantime? That's almost 10 months for us to wait and I'm pretty sure the house will be repossessed after 3 months of non-payment (our mortgage is interest only). We are very confused. Our total income without mortgage help is around £850 a month. Our monthly direct debits total £1000 approx. not including food. We know that we will have to cancel unnecessary things like sky etc. but there is still not enough income. Other people seem to get their rent paid so why are we different or am I missing something? Also, because he is signing on, hubby is expected to attend all sorts of courses and 'activity' days. With just £83 unemployment benefit a week how are we supposed to pay for him to get to these things and look for work, attend interviews etc.? Any help/advice would be appreciated.

Hi I have a part repayment and part interest only mortgage. I tried to remortgage last year with Chelsea but we couldn't afford new monthly amount. I had house valued and didn't have enough equity to do it with another lender. Any ideas what I can do with the interest part as don't want to lose my house when mortgage ends in 12 years. Also I have credit card debt so would it be better to use money I have to clear these or put savings on the interest part of mortgage? Any help would be appreciated and apologies if it's on the wrong forum.

Hi, OH started new job and set up new business early this year. There was an admin error at work and complications with getting the correct tax code with being considered in two employments and he wasn't paid enough. He told work and they rectified the matter and paid the remainder he was owed within a couple of weeks. When he got his payslip and saw this had happened he went on internet banking to prioritise the mortgage payment then would sort the other less important DD's when he got the rest of his pay. When he went on it appeared the mortgage money had been taken so all was fine we thought. A week or so later he got a letter saying the mortgage was owed and they'd try to take it again in a week. He checked internet banking and the money had been returned and other DD's paid instead. He phoned and let them know the situation and paid when he got the rest of his pay. This was before they were due to try again by DD - the lady on the phone said this was fine and it wouldn't now be taken again and it wasn't. The payment was probably about 2 weeks after the usual DD date maybe less. They have registered a late payment which is going to effect our re-mortgage/switch when our fixed rate ends in a couple of months. I've requested they remove it as a gesture of goodwill as it's preventing him switching mortgage deal and opening an business account. Has anyone got any experience of this working or think they will? Thanks

Hoping for a bit of advice for a relative of mine. Sorry it's a bit of a long and frankly messy story He is a joint owner of a property he used to share with his then partner. It has a joint mortgage secured on it. The couple split acrimoniously about 3 or 4 years ago and initially his partner lived in the house and agreed to pay the mortgage. She changed her mind and decided to move away and so left the house. My relative moved back in and took over responsibility for paying the mortgage. The lender then dropped a bombshell that his ex-partner had not been paying the mortgage and there were arrears. He agreed to pay them and a new DD was made about 2 years ago to cover the payment plus arrears. In April last year my relative had a letter from the solicitors acting for Santander to say they were closing their file and returning administration of the account to the lender so it was thought at that stage that all was well. He has not been able to have his ex-partners name removed from the house or mortgage as she would not agree. There have been a couple of occasions over the past couple of years when the ex-partner of my relative has tried to cause other problems for him, making false statements to third parties etc, so it has continued to be quite difficult. Last week my relative came home from work to find a letter pushed through his door (it was not posted) addressed to the tenant or occupier saying that the lender had obtained an Order for Possession. There was also a Notice of Eviction apparently issued by the court a few day earlier with a date for eviction 3 weeks hence. My relative had no warning of any court action or the issue of the Order by the Court. He was not therefore able to defend the action. There was not even anything sent to the address on a 'to whom it may concern' basis prior to the alleged hearing. He contacted the solicitors and Santander who told him that the extra payments had stopped but neither could explain why. They implied that the arrangement was only temporary for 6 or 12 months (different people have stated different time scales which raises some doubt about the statements) and that it was his responsibility to contact them to re-institute the arrangements yet this was never made clear to him or included in any letter from either Santander or the solicitor at the time. Santander also said that the warning letters etc were sent to the old address he was living at before he returned to the mortgaged property. When he asked why these had been sent to an address that he had notified them was no longer his they were very cagey and made vague comments about a phone call in July saying he was no longer living at the property and that he had moved back to the previous address. My relative did not make that call and he never moved out, the previous address was just a place he rented at the time he moved out of the shared home when the relationship finally broke down. His view is that his ex-partner probably seized an opportunity perhaps when Santander contacted her as she is still named on the mortgage. I think Santander just messed it up but either way he is now in a difficult situation that needs sorting out. He spoke with the solicitors again today and offered to increase the monthly payments and they are going back to Santander to see if they will accept the offer. My relative has spoken to CAB who suggested he try Shelter and/or a firm of solicitors. The latter told him he did not qualify for legal aid so he did not take that any further. Shelter said they would arrange a telephone call for 5th September but that sounds a long wait. I believe he needs to take control of this situation and not wait for the solicitors and Santander to give him their decision. I think he can apply to the Court for the Order to be withdrawn or removed but I am not sure the best way to do this. I can see there is a form (N244 or something like that) but I am not sure where to start with wording the defence. I have had a look at the forum but can't see where to get started. I appreciate I may be missing the obvious so can someone give us a hand in setting the ball rolling. I also think he needs to get a DPA request out to find out what exactly happened . He can then think about a complaint or referral to the Ombudsman if the evidence suggests poor work or wrongdoing by Santander. Can anyone help please? Thanks

Hi, I am currently on ESA Support Group and also have an award for DLA which doesn't technically need to be renewed until over five years from now. I have the right to buy and could buy my current home for about 35k. I have some savings and may also be able to borrow some money from relatives to add to my deposit. I cannot find a single lender that's willing to lend me any money toward this on a secured basis whatsoever. Iroonically they all seem to be falling over themselves to lend me money on credit cards on an unsecured basis but not enough to buy the property. It seems to me they're basing this refusal to lend on their 'affordability criteria', ie- that this lending is un-affordable because I'm not in receipt of any income from paid employment. I find this utterly laughable because at current rates the mortgage would cost about £100/month and could be fixed for between five and ten years.... Also that the mortgage interest would be paid by the DWP under SMI anyway. I suspect this is indirect discrimination, in that they are applying this rule to all applicants and it's indirectly discriminating against disabled people who are much less likely to have income from work owing to the disabilities that they have. I just wondered if anyone here could indicate as to the likelihood of this being deemed indirect discrimination under the Equality Act if it were taken to court and any recent judgements that may be relevant, case law etc?

Hi all , I was the victim of mortgage fraud by an ex partner , I thought I was buying a house together, having contributed half of the deposit ( 85 k of a 170k deposit ) in 2010 . It transpired that she used a false address , false declaration of funds , falsely claimed that it was a buy to let property and mortgage and that she would not live there or never had . She used that false address for another three years , and had been living in the house before the mortgage as a tennent and has lived there ever since . I told natwest of the fraud in 2013 , but they have refused to take action . i have recorded calls , and natwest have said that they accept people make false decorations in their applications and as long as the mortgage is paid on time , they don't mind . I now have a charge on the property with the land registry , but , What action can I take against natwest , seeing as they accept that I told them about the mortgage fraud in 2013 and they have knowingly facilitated that mortgage ?

I'm looking for some advice please . I recently applied for a mortgage, and was asked initially over the phone "have you ever had any CCJS or IVAS". The answer was and is no. I was given an agreement in principle. This has now progressed to full application stage , after passing a full credit check. I have received a check list to sign and return to the lender. One of the first questions asks "Have you ever been subject to county court judgements (CCJs) , defaults or a repossession"? Is this asking if I have had a CCJ, county court default judgement or county court repossession order?, or is it asking if I have ever had credit defaults? The answer to that is yes, all unsecured, all now off my file and statute barred. After an initial panic I believe it is all County Court order related but I would like your opinions please.

Hello, We want to re-mortgage our house finding better deal with diffident lender and on the same time increase amount taking Money to do some improvements like change windows, doors, rendering etc... My Questions are: Can we increase mortgage with different lender? (Our house price increased over 30% from the time when we bought it) Will the Lender ask to provide estimates for work to be done from Contractors? Doing re-mortgage how much Broker's fees are? Thank you

After discovering that I had PPI attached to an old Halifax mortgage, I put in a claim for miss selling. Today I had a telephone call from the Halifax in connection with another PPI with them that I knew nothing about. I ventured to enquired about my Mortgage PPI claim and they said that a letter was sent out to me on the 12th July 2016 explaining everything. Today is the 25th July 2016 and I have NOT received any such letter. The lady on the phone then read me the contents of the said letter outlining the reasons for the decline of the PPI. The ones that stood out were :- You had NO savings to support your mortgage payments in the event of sickness or redundancy. You needed PPI to cover sickness, redundancy etc. When the aforesaid "sale" took place I had been in my present employment with Royal Mail for 9 years and continued to work for them for a further 10 years until my retirement. (19 years in total). It doesn't take a genius to work out that a letter sent on the 12th of the month does not take 13 days to arrive at its destination even if it was 2nd class. This letter is still to arrive. At the time of the sale I had cover for sickness (6 months full pay, 6 months half pay) redundancy (12 months pay) and also death in service through my Royal Mail Pension. As far as I was concerned I DIDNT need PPI, being covered through my employment. I have the original paperwork in connection with this PPI and in my Personal financial Report it states :- No recommendations nee4ded From the information you gave me it seems you already have plans in place to meet the following or no need in the particular area * Protecting your financial security * Protecting for critical illness over and above the mortgage debt * Saving for the future * Investing your capital I had a secure job with Royal Mail and a statutory pension plan in place for my retirement which included a payment for death in service. Sick pay and redundancy pay. Why did I "NEED" PPI Was the Halifax right to decline my PPI claim. I understand that it was underwritten by Lloyds. Any information greatly accepted. Thank you

Re: GE MONEY. Hello, I an new here and am in the same situation as many of you with GE Money mortgage charges etc. I didn't know how to post my query, so I am sorry to do it on this post. Hello. I am new to this site, but have spent many days reading through the threads, looking for answers. I have been with GE Money with a mortgage for 9 years. I have 28 months remaining. Some while ago I fell into mortgage arrears (£704 - which equates to 1& 1/2 months mortgage) Subsequently they have been adding monthly Admin charges of £40 per month for 40 months and the last 7 months £50 per month. direct debit recall charges of 18 x £25. field Agents fees - 4 visits charged, only 1 executed. Total of these visits fees £274. Grand total of all of theses fees and charges £2,674. (Plus interest - although I do not know how to work that out - sorry. Back in May of this year 2016 I received a letter from GE informing me that they have transferred my mortgage to Kensington. These money grabbers have written to me stating that I am in mortgage arrears of £705.68 PLUS Fees and Security Charges of £1598.07. And that my mortgage account has an overdue amount of £2303.75. They also say "You are breaking the terms and conditions of your mortgage and it is important you make a payment to clear the total amount shown above. I understand that Charges and Fees cannot be treated as arrears. Arrears are missed contractual payments. I pay £493 per calendar month and have done so for as long as I can remember. I offered GE a paltry £10 a month extra payment back in February (mainly because I am on a pension and at that time had NO work) They refused and continued to add charges etc every month and then they transferred me to Kensington. I have my SAR from GE and that is where I calculated the fees and charges they have imposed on me. Do I go to GE for a refund of these charges or is it now Kensingtons responsibility. Thank you