Excessive mortgage charges. Original mortgage lender has sold the debt

Kay159_2

Some of you may have read an earlier thread stating I received a letter from Kensington requesting payment of 1686.60 in security fees and charges. When I rang to query this I was told that this was the balance of late fees and default charges / admin fees added to my account when I fell into arrears several years ago when the account was with GE money. I wasnt aware of the amount as it was absorbed into my overall payments until Kensington changed things and sent letters detailing it seperately
After looking on the forum I discovered that I had a chance of recovering any excessive charges over the actual admin costs and had six years from the date at which I became aware I may have a claim.
I rang Kensington who said they would forward a breakdown but that as they.did not own the debt at the time my complaint was with GE. I therefore raised a complaint with GE asking for an.itemised breakdown and the calculations used to arrive at the fees. Today GE replied stating they are closing the case as not upheld as they no longer own the account
A couple of questions.
A. How realistic is it that I can recover some of the excess charged and
B. If I do have a valid claim who is liable or does the fact the account was sold on mean that I cannot bring a case against either party
GE have directed me to the FSO but I wanted to see if anyone else had similar experiences and how you managed to resolve things, if at all
Thankyou

xHannahx

The liability would depend on the contract and type of the sale between Ge and Kensington, this is highly unlikely to be easily obtained.
From various online sources it seems GE money are exiting the mortgage market, and will cease to exist, so it's highly likely they will have a contract for someone to handle such complaints, most likely Kensington as part of the transfer of the business.