These cash until pay day loans are Loan Sharks. They are thiefs, they still all your money.

Challenge them and say that the arrears fees should be added to your mortgage account and you should not have to pay for these arrears upfront. Write them a letter and say that all the arrears fee should be added to your mortgage account as detailed in their fee tariff. Write the letter and sent it by fax.

They should not be asking you to repay the 50 arrears management fee , all the mortgage management fees should be added on to your mortgage account. Of course once this has been added on to your mortgage account, this would attract interest. But it is still wrong for them to charge an huge 50 pounds a month for running into arrears. Every one should write to the financial service authority and ask for it to be reduced to 25 pounds a month. There are only two mortgage companies who are charging this excessive fee.

All the arrears fees should be added on to your mortgage account, thats what it says on Rooftop Mortgage fees booklet. It clearly states that the arrears management fees will be added on to your mortgage account. They should not be asking you to pay your mortgage arrears management fees as this should be added on to the loan account.