I will do, thanks again.

Thanks so much for that, I'll get entering and see where that takes me. There was PPI, that's been adjusted off now though.

They're £35 p/month, with interest added onto the £35., i haven't gone through them all yet, I've been popping them onto an excel sheet I made, is there a specific sheet I could use to tally them all up? The visitor fees are, £175, £225 and £250.

Yeah fees on the arrears balance and there's 3 'visitor' fees as well, I haven't had a visit from anyone. There's a few discrepancies in the SAR info, incorrect account number, no reason for the loan, i.e. consolidation, plus the way they valued the property.

The original loan was taken out in 2007. Elderbridge levied the charges starting in 2019. Having scoured the SAR, they valued my property based on websites such as Ritemove etc. The loan was brokered by Loans.co.uk, who are no longer active, so its been difficult getting any info from them. I'm thinking about going down the affordability route, do you think that may be a better option? Thanks for your advice, totally appreciated.

Hi all, I hope everyone's well. I took out a secured loan with GE Money some years ago, which was then taken on by Elderbridge. After losing my job through ill-health, I fell into arrears. The loan now shows substantial arrears fees and charges. I've sent Elderbridge a Section. 77 request, and a SAR, which I've received. I've also contacted the land registry and received the pertinent details about my property. I have done plenty research regarding these fees and charges, I am simply looking for some advice on how I should start this process. Best wishes.

I've just downloaded Msofffice, so that should get ridda the 404.

Thanks dx100uk. You are indeed correct, the original lender was Future Mortgages. I have every statement, Engage sent me them without me even taking the statutory fee. There's been communication between us, always in writing, and they haven't said no to any refund, they've asked me to write to them with 'what I think the total amount of charges are ', they also stated in their letter that Solicitors fees can't be considered. I've tried opening said spreadsheet, but I get a 404 error, I'll certainly try the other one though, thanks for the reply. I've had a look at the spreadsheets on page1 of CAG. They all 'appear' to be related to PPI claims, I may just be missing something, but could you point me in the right direction with regards the mortgage charges spreadsheet. Thanks again, Ferg

Hello all, been a CAG user, browser for years now. Fell into some mortgage arrears with my mortgage and they've applied numerous charges,fees etc. Is there a specific spreadsheet I can use to calculate the full amount they have applied? I have looked and looked, but can't seem to find one. Am I also correct in saying you are unable to reclaim solicitor's fees? Best wishes all, Ferg