Acenden Mortgage Arrears/Charges

[chazzza1977]

I'm having similar problems, could you please let me know how i would get a summary of the charges added to my account, i've tried logging into their website but they will not activate my account. I've received a letter stating i'm in arrears but when i ring up they say my account is in credit and they will get someone to ring me back, but never do!!!

[martin2006]

Hi chazzzza,

 

Please can you start your own thread in the mortgages forum, this is an old thread and will not generate much response to your enquiry, give as much info about your issue as you can but do not post anything personal, account numbers etc

 

martin

[chazzza1977]

Hi,

i'm after a little advice please,

 

 

took a loan out in 2005 with Acenden/SPML/Capstone or whatever they were called,

loan should have finished Sept 2015 but i still had £4000 in arrears and charges,

 

 

don't get me wrong i did miss payments in 2008/09 ish and had a court letter etc.

sorted it all out at that time and never missed a payment since.

 

Probably got my first letter eary 2015 stating i was going to have arrears,

apparently they sent me a letter in 2011 saying i need to increase my monthly payments

to ensure i caught up before the loan expired, i never received a letter!!

 

 

started paying £100 a month on top of my payment to try and clear,

when i rung up in the summer they agreed to extend my loan for 12 months

and it will now be complete Sept 2016,

 

 

to be honest i've thought about checking out the charges but was a little worried

to raise a complaint until id finished paying the loan,

was planning to raise a complaint later this year.

 

 

What has got me posting on here is that ive recieved another letter

saying i will be in arrears again.

 

 

i rung up the woman said my account was over £1000 in credit

so she was not sure why i recieved this letter

but she would need to check with another department

and someone will ring me back,

this is over 2 weeks now.

 

 

I've rung up 3 times since and keep getting fobbed of saying

they'll have to get another department to ring me back.

 

 

I've tried to register on line but the automated e-mail said it could take 48hrs

but that was over a week ago,

 

 

i try to login but it says my account is in inactive??

 

 

Could someone please advise how i found out how much charges have been applied to my account

and if i can challenge them, or if i've left it to late,

or if i should wait until i've paid my loan off.

 

 

All i keep thinking is thank god its done this year,

 

 

but at the same time i am wondering were the £4000 has come from??

Thanks for your help

Edited March 8, 2016 by dx100uk

[Andyorch]

Hi chazzza1977 and welcome to CAG

 

I have moved your thread to the appropriate forum.

 

Regards

 

Andy

[dx100uk]

have you all the statements?

all the arrears fees, letter, late, over, debt management, missed dd

can ALL be reclaimed as well as any stupid 'compulsory' insurances they made you take out.

 

 

dx

[dx100uk]

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=Acenden+Mortgage+Arrears/Charges&sa=Search+CAG#gsc.tab=0&gsc.q=Acenden%20Mortgage%20Arrears%2FCharges&gsc.page=1

[chazzza1977]

Hi i haven't got any of the old statements or the arrears fees letters etc, to be honest i was having problems with an ex and disposed of the letters at the time. That's why i tried to logon to the acenden portal to see if i could get the old statements. Cheers

[martin2006]

If you dont have the statements send a sar request to the lender, SPML with a £10 postal order, they then have 40 + 2 days to send you all the info they have including statements.

 

I wouldnt be too concerned about there being a 2nd charge on your property if this is a secured loan, its not a quick process so reclaiming any charges is a good few months away yet and your loan will probably be repaid by then, or simply hold off issuing a claim till it is. For now get the sar sent

[chazzza1977]

If you dont have the statements send a sar request to the lender, SPML with a £10 postal order, they then have 40 + 2 days to send you all the info they have including statements.

 

I wouldnt be too concerned about there being a 2nd charge on your property if this is a secured loan, its not a quick process so reclaiming any charges is a good few months away yet and your loan will probably be repaid by then, or simply hold off issuing a claim till it is. For now get the sar sent

 

Ok mate thanks, will do, is it definitely to SPML and not Acenden?

[martin2006]

to the original creditor, your post#1 is unclear so i assumed it was SPML