Mortgage mistake

KIKIE

Hi. Hopefully someone can give me some advice. I worked abroad for a while to help pay off major debts. I was paying off my mortgage in lump sums. Last June i telephoned my mortgage company to pay a normal monthly transaction only to be told due to my large repayments my mortgage arrears had been reduced to approx £2000. This was explained as referred interest because of early repayment. I telephoned twice more to double check and asked for confirmation by letter which i received. Since then i moved back home and reduced my outgoings as i was almost mortgage free. I paid my reduced mortgage payments for 7 months until a few weeks ago i received a letter from the mortgage company informing me that due to an error in their accounting they had applied a payment twice and i now need to repay an extra £15,000. Having written to the company i have not had much joy, no apology, only insistence i repay the amount owed. I will struggle to pay my new monthly payment as i had reduced my living expenses to suit the lower mortgage payments. I am not sure how i stand legally and whether i have to repay the whole amount, the mortgage company are not being too helpful. Just feel as i`m being penalized through no fault on my part. I hope someone maybe able to help. I know in these times this may seem like a trivial matter but it is a lot of money to me. Thanks.

Upsidedown_Bear

Might be worth posting this on the "Mortgages & Endowments" board.

http://forums.moneysavingexpert.com/forumdisplay.php?f=15