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Hi I am new to this forum and have spent ages reading the very informative threads.I would like a bit of advice please.I have had various mortgages from Kensington, SPML, Mortgages PLC and am now with Preferred Mortgages. I have remortgaged each time, and have paid late payment charges on all of the above mortgages as well as paying £1000's in ERP's. Am I right in thinking that all the above mortgages effectively were under Capstone (who is now my mortgage provider) and if so would I be wise to write off these debts as I do not want to upset my current provider.Thanks

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