Kensington misbehaving

typical_blonde

We took out a 2nd mortgage with a company who's name I forget, which got transferred to Kensington without our knowled - first thing we knew was a letter telling us that we now have a mortgage with them. We got into arrears due to me losing my job. We asked if we could consolidate the mortgage and were told that we couldn't as we didn't have a mortgage, we had a secured loan, despite all the paperwork referring to it as a mortgage.

They asked us to fill in an income and expenditure form, I offered to send them my personal one off the computer, but they said it had to be their one, and they would send one to me. Three months later, still no form and hubby was to,d he could download one. He filled it in and sent it back, but they have deliberately misread it and someone in litigation set a letter telling us we had £500+ a month spare and why were we only offering £50 pm over and above the payment? additionally they have increased the interest on our account 5 times over the last three years, despite the interest rate being held.

I was just about to write to litigation when I received a Mortgage account statement (not a secured loan statement) which included a fee of £42 for a drive by valuation fee, and they are still adding £50 a month to the balance as we have not agreed a repayment plan - ie they want me to pay £500pm, which I don't have, over and above the payment.

Hubby coming up for 65 so I think they are planning to drive us into submission in case he retires?

Advice please, and if you are going to say that we borrowed the money and we should expect to pay it back, I totally agree, I just want them to stop bullying us so that we can concentrate on putting the house on the market and kissing Kensington a not so fond farewell.