Meanwhile the OP is going oujt of his head with worry. WE can look at all that later. When he doesn't have to be afraid to open the post anymore.
Anyway as they say opinions vary. I am happy to leave it there. Unless summoned by the OP
don't ever ring
lets deal with this properly
inc I bet there are £1000's of unlawful penalty charges levied by the original mortgage company
like letters.phonecalls.debt management visits.arrears fees.
all can be reclaimed.
shall we have a guess who the mortgage was with...
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!