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Mart2938

Santander Mortgage Interest and charges added to arrears total

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Hello everyone,

I am defending an eviction due on 2 August and am currently completing the n244 form

- I'm happy with what I need to do on that,

my question is on the arrears total used by the lender.

 

 

I know they cannot add charges to this total,

can they add additional interest on those charges?

 

 

After my last hearing, the lenders agent (Eversheds) sent me a letter setting out my monthly payment which comprised a total of

1) the contractual monthly payment,

2) the contribution to arrears and

3) additional interest (not specified what that referred to, I assume interest on charges).

 

 

Are they allowed to do this?

many thanks for any advice.

Edited by Mart2938
grammar

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Hi Mart ...and Welcome to CAG.....why not ring them and ask what the interest is for and equated to.......are your sure its not just the Capital interest ?

 

Regards

 

Andy


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Hello there.

 

Who are the lenders please? We've seen Eversheds before, you'll see other threads about them.

 

HB


Illegitimi non carborundum

 

 

 

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Hi, Thanks both. The lender is Santander. They have never written to me direct about this matter, even after the court hearing. I am planning to ring Eversheds on Monday to make a final offer to settle without a court hearing but wanted to be armed with as much info before doing so. the sum is quite small - about £20 a month - so I'm sure it is related to interest on the arrears. That's about £300 or so since the last hearing in total. The total arrears by the time we get to court will be approx. £1k so it could be significant to get this amount disregarded (or rather subject to a separate agreement)

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