Claiming charges from Kensington Mortgages

Julie_A27

Hi,
I currently have 2 mortgages, main with the Halifax and 2nd with Kensington. Last year the Kensington were in the news for overcharging and I see you could claim back the arrears fees. I just wanted to ask could I ask for my fee's back, I am currently in arrears will they agree and if they pay back the charges will they pay it off the arrears. Other posts I have read say don't upset your lender I really could do with the money but can't remortgage elsewhere. Is it worth a go to reclaim the heavy charges??

dunstonh

I am currently in arrears will they agree and if they pay back the charges will they pay it off the arrears.

They are allowed to use repaid charges to offset the arrears.

Other posts I have read say don't upset your lender I really could do with the money but can't remortgage elsewhere.

You wont upset the lender.

Julie_A27

Thanks, do I start with a letter or an email as I have read previously on here someone sent it all by email.
I'm not sure I have all the statements so will they charge me for getting copies?
So if I put in a claim they can't demand i pay my mortgage as i've upset them?
I don't mind if the money goes back to mortgage as it will reduce the balance.
Is it also worth trying the halifax to claim back charges?

thanks for the advice