Hi Martin, thank you for the warm welcome. Yes they have put everything in writing including admitting it was their error which resulted in undercharging me. Am surprised they now feel i should happily just agree to pay the shortfall and the increased payments. They have offered to discuss an alternative repayment plan but i do feel it should be their problem and not mine. Any help appreciated as i don't know who to turn to really on my rights. Thanks.

Hi, I'm new and would really appreciate some guidance please, Yorkshire Bank have just wrote to me saying they have reviewed my mortgage account and identified they have made an error in calculating my monthly payments on my tracker mortgate. They say i have accumulated an arrears over £1,000 and have suggested they increase my monthly payments by £70 which i cannot afford as i am on maternity leave. This is their error not mine. Should they not write off the capital shortfall? I read that the Halifax did this when they made errors on their mortgages. Each time the interest rate changed i received a new letter outlinging my payment amount which i stuck to. Are they not in breach of contract? Does anyone know where i stand legally. I asked YB if this has happened to other customers and they said it had. Anyone else out there this has happend to? Please help?