ADVICE PLEASE! Acenden Mortgages making me use there buildings insurance

[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

[seduraed]

Re: ADVICE PLEASE! Acenden Mortgages making me use there buildings insurance

Have you sent the proof of the insurance by signed for post? This is essential as I believe that ascenden are one of those companies who have "how to lie to customers" as part of staff training . You could try claiming refund and going to court to reclaim it . or a complaint to the relevant authorities . Ask them to confirm to you what evidence they require that a policy is in force? dont forget to record the call .

[magstar71]

Re: ADVICE PLEASE! Acenden Mortgages making me use there buildings insurance

It is the local council who usually send it to them directly as it is a leasehold the council have the whole property insured for buildings etc....
The council have confirmed it is insured with Zurich with a policy number iI have sent to Acenden they still sent me a letter after this confirmation to say they were putting me on there insurance as the actual policy was still outstanding... The council emailed them and guaranteed the insurance but the certificate would not be sent until next week because of the processing in the council which is out of my hands...
My husband has a mortgage with the Halifax has has NEVER been asked for annual proof???

So I have my hands tied as waiting on the council even though they have submitted a policy number to Acenden!!!
My worry is the stories I hear about that they choose to ignore insurance details and add this to the mortgage expect the client not to pay because of the ongoing conflict and then I get in arrears... Is it legal that they can add this to the mortgage payment ? Note that Acenden charge £75 for one day arrears..... It then can escalate quickly into repossession proceedings... If they can get away with this via late payment charges partial payment charges this is what I worry about.. For goodness sake my council have a ,gov.uk address and they are still chancing their arm...

[magstar71]

Re: ADVICE PLEASE! Acenden Mortgages making me use there buildings insurance

Their insurance...excuse my grammar I am at my wits end...

[magstar71]

Re: ADVICE PLEASE! Acenden Mortgages making me use there buildings insurance

Their insurance...excuse my grammar I am at my wits end... By the way they have had confirmed all of my emails by a very vague letter that says thank you for your email..We are still waiting for your insurance schedule....
Maybe I should bombard them with lots of FOI questions...