Hi All, After a very recent successful PPI claim with Aviva I am looking at my other paper work/finances and wondered if you could help me please. Being very young and naïve I took out a mortgage on a low income when I was 18 with Norwich and Peterborough and fell into arrears this was in 1998, the situation escalated and we remortgated firstly with Preferred and then with GMAC who we are still with now. We managed to stave off repossession and I am thankful to say we have worked bloody hard in our employments and are in a much stronger financial position. We did however during the three mortgages gain mortgage arrears charges, administration charges, charges for sending a debt councillor to our homes, solicitors charges and also early redemption charges. Are any of those reclaimable? I have also from a bit of reading seem to think we may have a case of miss-sold mortgage between preferred and GMAC as the broker was well aware we were in arrears however did not properly assess our affordability for when we came out of a fixed rate period and the surveyor actually came in the home asked what we needed to borrow for the mortgage and wrote that down as the valuation without actually looking around our home. Is this true? Also my spare time is little as we have a beautiful severely disabled daughter so I fight battles on a daily basis so despite the fact they take a percentage for something as complicated as this seems would much prefer a cmc and can anyone recommend a good one? Claiming back PPI was easy but I am presuming (may be wrong) this will be much more complex. Also with the PPI Welcome rejected the PPI from 1999 and I have hit a brick wall as they were unregulated in those days - am I right to close the door on that chapter? Thank you so much for your help - the recent PPI claim you lovley people helped me with (2800.00) is paying for some very much needed adaptations for my daughter so you will never know how much this means. Thank you/