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Mortgage Arrears Fees. Can I claim from my current provider?


vazunna
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Hi,

I have recently SAR'd Gmac/Paratus. I have arrears fees, councellor visits etc,etc.

Within 2 days a slab of paper arrived.

The one I was interested in detailed my payments on the account and the arrears fees they charged me.

The charges amount to £2100. They are hounding me for arrears for £714.

About 5 years ago I missed one months mortgage payment. No money.

I have offered to increase my monthly mortgage payment by £53 to clear the arrears in 13 months.

They still plague me and want to send another councellor home visit.

My account balance has increased by around £3000 since I failed to pay that one month.

 

Can I claim back the charges and if so, where would they go?

 

Would it be detrimental to me by claiming from my current provider?

 

Could they force me to sell?

 

What are my options please.

 

Thankyou in advance.

 

Vaz.

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PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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  • 3 weeks later...

Hi thanks for the link. I have contacted Paratus and agreed a repayment plan to clear the arrears over the next 13 months. With this in place, no further arrears charges will be applied to my account.

Time now to get my mortgage balance reduced by getting the old arrears charges removed.

How do I go about this? Are there any templates in the Library?

Thanks for any advice.

Vaz.

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