I too have arrears with Acenden which date back over a few years .. I have made regular payments since this situation began, missing the odd one here and there but paying in the region of £200-£300 off my arrears. It has recently come to light that although I have cleared almost £4000 off the arrears they have added almost £3000 in monthly charges, upto £115pm whether a payment has been made or not .. I have been looking at ways to attempt to recover these charges but have been anxious to do so for the very reason you have made in your post .. that they may react with a possession order!!! If things continue in this way I will never get ahead but I'm very worried to pursue them for recovery!!?? Any advise will be very happilly recieved ... Warm regards, Michelle

Hi, I have had a Mortgage with SPML, Capstone or Acenden as they are now calling themselves!! I orginally fell into arrears 3/4 years ago when the libor rate reached its high and my payments went from £800 ish to near £1700pm. To cut a long story short I have have made monthly payments including overpayments and have paid back about £3000 off the arrears over the last few years but they have added the same in monthly charges, some as high as £115 each month. These have been added to the balance leaving me exactly where I started!! To add to this .. they made it so difficult to arrange my own insurance that I left them to arrange it. This was at an annual cost of £588 (Small 3 bed semi) I received no policy document so had no idea of the huge cost and that they had also inc accidental damage. I now have Buildings & Contact for £204pa!! I want to claim this back, insurance too if I can .. Can anyone put me on the right track? I have no idea how to calculate the interest or how I stand . Thanx, Michelle