Many Thanks for your reply. I have got most of the documents. But still, as suggested I will apply to get the information they hold using SAR form. Once I get the documents could you / anyone guide what could be done, please. Many thanks

Dear all, I am new to this forum. I am wondering if you can help me Please. We took a loan of £32000 and we pledged the property for that with SSPL. After paying every month, £263, since 2007 when I called them they said the outstanding remaining is nearly £29000. And all the payments that we have paid since 2017 are being taken to cover JUST interest costs. Roughly we have paid : £263 X 12 months a year X 11 yaers=£34716 ( all the above calculations are approximate figures) and on top of that, we have paid so much on charges, fees, missed direct debit fees, and at one point court fees ( and we settled that without going to court). At that time we took the loan it was arranged through a broker as we had financial difficulty and my husbands business was not at all doing well. Could anyone please help me as I feel that its really not fair terms and conditions. And now they say to close the account I need to pay nearly £29000. I am really worried and they say the term left on the mortgage is 17 years still remaining and if I continue to pay this amount for another 17 years then I kind of will end up paying nearly £100, 000 for a loan amount of £32000. I am not sure if someone also experienced similar issues. I will be grateful if someone could shed some light on this issue, please. Many thanks in advance.