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Hidden Charges On Mortgage

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Hi

 

General info/insight required for the following.......

 

How would a mortgage company insert additional charges onto your monthly payments, if you did not opt for PPI or any other type of protection.

 

A number of months ago my mortgage company offered a new and improved contract with lower payments, we never requested this and they contacted us, I thought this was strange at the time, they said " A loyal Customer Reward", of course we agreed to change.

 

However, I still think something is not quite right, banks dont do this without a good reason.

 

I am thinking of requesting a SAR, I know we never ask for PPI in the contract, so what should I look for in the paperwork or statements which could indicate abuse

 

Regards in advance.

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