frequently asked questions
The following FAQs have been designed to answer many of your commonly asked questions.
If you cannot find the answer to your question here, please call Customer Services
on 0845 601 3679.
How do I notify you of a change of contact details?
Please use the following Change
of Details Form and send to us at Customer Services Department, Acenden
Limited, St John's Place, Easton Street, High Wycombe, Buckinghamshire, HP11 1NL.
If you are only wishing to update your telephone number, we are able to take this
over the phone. Please call Customer Services on 0845 601 3679.
I would like to pay off some of my mortgage, how do I do this?
If you would like to make a part capital repayment towards your outstanding balance,
please contact Customer Services on 0845 601 3679 to request further information.
We will provide you with details of the minimum amount that you can pay and how
this payment will affect your account and any future repayments.
Please note that a part capital repayment may incur an Early Repayment Charge. This
will be outlined in the details we provide to you, if applicable. An administration
fee may also be payable. Please refer to your Lender’s current Tariff of Charges
and Sundry Fees.
When does my early repayment charge period end?
Please refer to your original mortgage offer. If you have any questions concerning
your original offer, one of our Customer Services Officers will be happy to discuss
this with you on 0845 601 3679.
Can I change my monthly payment date?
Requests will be considered for an alternative payment date providing it is before
the 21st of the month. As we can only take payments by Direct Debit on the 1st of
a month, where an alternative payment date is agreed then an alternative method
of payment to a Direct Debit will also be required. If we are unable to change the
payment date, we will tell you the reason why your request has not been agreed.
Click here for further information on
how to make payments.
I want to rent out my property, what should I do?
If you wish to rent out your property, please contact us before doing so to discuss
your proposal as you need your Lender’s consent to do this. Before you can rent
out your property, you must ensure your account is up to date with no current arrears.
Please be aware that before your lender can consider the letting of your property,
you must provide them with a proposed or actual tenancy agreement in a format acceptable
to your lender – please contact us for details.
What happens if I miss a monthly payment?
If you usually make your payments by Direct Debit and the payment has been returned
due to insufficient funds being available, we will send you a letter to make you
aware of the missed payment. A second attempt will then be made to collect the payment
by Direct Debit ten business days later.
If the payment has failed due to reasons other than insufficient funds being available
(such as account closure or instructions not to pay), you will receive a letter
advising you of the missed payment and we will not attempt to make a second collection
by Direct Debit. We will initially attempt to contact you by letter to make you
aware of the missed payment.
You may receive additional letters in accordance with your arrears position throughout
You may incur fees and charges as a result of a missed payment including where we
have to send letters to you – please refer to your Lender’s current Tariff of Charges
and Sundry Fees.
I am in arrears and facing litigation action – what should I do?
You should contact the Collections Department on 0845 602 3806 to discuss the clearance
of your arrears by setting up a payment arrangement with us or discuss other options
with a member of our team.
What will happen if I have to go to Court?
If you are facing repossession action and due in court, you will have been informed
in writing by our solicitors of your court hearing date, time and location. Your
case may be heard at your local court where a judge and a representative from our
solicitors will be present.
If you have not reached a payment arrangement with us and do not provide the judge
with definitive proposals, they may declare a Straight Possession Order. This is
where the lender can take possession of your property within 28 days (or a multiple
We suggest you attend the court hearing. If you are able to make reasonable repayment
proposals to the court, the judge may make a Suspended Possession Order, which will
allow you to remain in possession of the property as long as payments are made in
accordance with the order.
The court has declared a Possession Order against my property, am I still able to
repay the mortgage in full?
You can repay the mortgage in full up until the point of repossession. If you would
like to redeem your account, please request a redemption statement.
Who can I contact for advice?
There are a number of independent, external organisations that you can contact for
help and advice. Please
click here for further information.
How can I make a complaint?
If you wish to make a complaint, please
refer to our complaints section which explains how to raise your concerns.