Acenden/Preferred Mortgages

[Longleigh10]

Have received a letter from Acenden stating my claim is out of time.

 

Mortgage redeemed in 2006, but I only found out about mortgage arrears claim back after browsing for PPI information.

 

Could I use this in my follow-up letter

- as they consider it to be 'inappropriate to consider any fees applied to an account over 6yrs old!'

 

Any advice on how to word this 'appropriately'.....

[dx100uk]

is this a charges claim or ppi?

 

anyhow.

 

if they are quoting statute of limitations as the excuse

 

they are wrong.....

 

SB on mortgages is 12yrs.

 

dx

[Longleigh10]

Many thanks, we were caught up in the whole GMAC fiasco re. mistreating of mortgage customers - for which they were fined. we've since moved from that address and are now seeking redress for the charges they imposed on us back then.

[Longleigh10]

Ok, Acenden state they weren't party to any discussion surrounding PPI and have referred my claim to Infinite Mortgage Solutions - the broker. Is this correct? They have also forwarded my claim on to them.

Re: the mortgage charges I bought their attention to the above and am waiting to hear back.

[dx100uk]

its a common dodgy with many companies certainly on loans

 

GE money are the worst for it.

 

you'd hae to look through the agreement to see if you were made aware.

 

typically if you only paid on monthly sum toward your mortgage

 

then i think its a smokescreen

 

i suppose its walit and see sadly.

 

dx

[Longleigh10]

Re: PPI - Spoken with FOS who will contact the mortgage broker on my behalf (who've gone bust) - which will take approx 2yrs to conclude.

 

Re: Excessive charges,

FOS are also backing the companies that show if they contacted you at the time of the charge being implimented, then that shows proof of limitation.

 

My argument is no-one complained at that time as no-one was aware these charges were excessive!

 

I had already stated in my letter of complaint that I became aware in Sept. this year; which should give me 3 years from then.

The 'copies' of the letters they say they sent to me at the time; wasn't even on headed paper - am I expected to believe that as authentic?!

[dx100uk]

if the broker is bust, then its the FSCS route

 

dx