I am so happy this forum is up and running, I have had a rooftop mortgage for five years, it has been hell, I changed jobs and my pay date changed, they refused to change the date and four years of misery started with me falling into debt because of the charges, letter after letter brought nothing. With the onset of the recession my debts got more and then court this year, with an order or repossession for 2k. I have paid it off and now. With that behind me I want to tackle the wait for it £13K bill in charges. It is madness. I have written before to complain quoting the mortgage code and they did not reply. I will start again and not give up until I get a refund because reading your posts, I understand I am not alone and can get some satisfaction. I want to sell and get away from the mortgage thing, but cannot until I have resolved this madness.