Hi everyone. I'm after a bit of help. I have just found out I can claim back the charges on my mortgage. I have requested a statement from my mortgage company who odly have sent one out without charging me. However there is a problem. I took my mortgage out in 2007 with future mortgages, the mortgage was then sold to Engage credit. The current company engage have sent a letter saying, "we acknowledge receipt of your recent enquiry requesting copies of your mortgage statements. Please find enclosed the requested statements. Unfortunately, we have not been able to provide statement from 1 April 2009 up to 31 March 2010 as this was not provided to us by your previous lender." My concern is that the statement ending 31 March 2009 shows a balance of £153,783.69 The statement that starts on 1 April 2010 shows a starting balance of £156,346.89 This means that £2563.20 has appeared on my mortgage total and I have no statement to show why. At present my fees balance on the mortgage stands at £2068.81. Could someone please give me some advice as to how to proceed. Firstly how do I go about recovering the charges I can see applied to my account, and secondly what do I do about the missing statement and the sudden leap in money over a year. I find it very convenient that in the years missing period there is a sudden leap in my balance. There are some legal costs on the account from them trying to take me to court to repossess after 2 months arrears, which was paid on the day of the court hearing. thanks in advance james