Ge money default charges for home lending !!!!

zzharia

Hi all
I have had a payment arrangment with Ge Money to pay of Mortgage arrears the arrangment came to an end last month and I will go back to normal contratual monthly payment at variable rate . Yesterday i received 4 separate default notices from GE stating that I had incurred a legal fees of £677, £88, £15, £247= £1027 . I went to my local debt advice agency , and the adviser rang Ge as I wanted to clarify the total I owed and if I could make an arrangement to pay the charges off and ask if they would consider stopping the interest if I did this . They stated they would not stop the interest and the default charges and interest go into a separate sub account ? which by the way has the same loan reference as my mortage acct , they also came back with a total figure of £2088 they say I owe !! they said I can ring up and pay towards the fees and tell Ge adviser Im paying off the sub acct ......but if I do this how can I can guarantee the money I pay is going to pay off the charges and interest and not my mortgage as its the same reference. If I had not queried these fees , I would have been none the wiser , they say they are going to send me out a statement of my acct . My adviser also quoted the recent Gmac case , but they didnt seem bothered .

Im thinking of making an offical complaint to Ge money and I realise I will probably have to follow it up with FOS complaint . I am worried that they may take further action regarding the default charges. Any advice would be greatly appreciated