Urgent Advice about Mortgage Company Acenden

magstar71

Hello I really need urgent advice please!

I have had a letter from my mortgage company Acenden ...... Every year they are on my back for the buildings insurance for the flat I own. My flat is a leasehold and the insurance is covered by Tendring Council , Tendring Council send Acenden send a letter to reassure them the flat is insured and usually for some reason gods knows why they can't get the policy to Acenden for 2 weeks later... This s out of my hands but usually Acenden are satisfied with this confirmation.

This year the same happened butfor some reason they are ignoring all until they see the document i emailed the council they won't have it sent for another week but gave me a policy number so acenden have at least this and can check if they need to with Zurich...My email clearly states this.

Acenden have ignored this and put me on their policy charging me an extra £60 per month added to my mortgage.. The payment is not separate and is due on the same date as my mortgage.

Basically if I refuse to pay this then because it is connected to my mortgage payment they charge you £75 for arrears....

Is this legal to add to my mortgage? apparently it is with legal and general which they use shall I cancel it via them? I cannot do anything as it is all out of my hands and if they have a policy number then surely this is enough as every other year they are fine just with the letter from the council..I am livid as I cannot afford to be forced to pay £60 when I am already insured what should I do?

They are not helpful and do not give any explanation or do not even acknowledge the fact that I have given them a policy number...

Thanks in advance

Kittywun

Part of your T&Cs state that you are required to prove that your property is adequately insured to protect the lenders security.


If you fail to do so they will apply "Emergency Insurance" to avoid risk.


If you provide the documents they will backdate it and re-imburse you providing you are not in arrears.


However, if you haven't given them sufficient evidence of insurance they are completely within their right to ask you to pay for the L&G policy.