Thanks folks. Very informative.
We have had two, and two only, letters from Kensington since they took over our mortgage at the end of May.
We responded to the first and now, today, we get the second letter.
Other than that we have never telephoned them or spoke to anyone in their offices so these `fees` seem ridiculous to say the least.
OK, mortgage arrears are my fault and I take responsibility but the £4,500 Kensington have added on are what I cannot get my head around - and they have only been with me 6, possibly 7 weeks!