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  1. Hi We have a mortgage with Kensington and we have statements showing our mortgage to be up to date. Despite this we are now receiving letters saying we have arrears of £229. Initially we were told they had gone over to a new system and it was an error (the first debt letter arrived at the same time as a statement showing payments up to date). After many calls we were told the debt relates to 2009 and that their new system had thrown this up. We were then told they would write off the alleged debt. However, we are still receiving threatening letters. We have made a formal complaint asking for evidence that this money is in fact owed. We did get in to arrears around 2008/9, but since then every payment has been made. We changed our mortgage from interest only to repayment approx. 2 years ago so surely that also constitutes a new agreement? I am really worried this might start affecting our credit history but am refusing to pay without evidence that any money is owed. Every statement for the last 7/8 years shows our account to be up to date. Next week will be 8 weeks since we formally complained so will contact FOS after this but just wanted any advice on the legal position? Many thanks,
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