Hi, We recently made a minor change to our Home Mortgage (we changed the date of the month that the repayment is due). As a result we were informed, and accepted, that there may be a minor recalculation of interest resulting in an increase of "no more than 50 euro". Imagine our shock when the letter arrived, informing us that, as advised, our repayment had "increased slightly" to almost *double* the current amount! When we contacted the bank they indicated that this was due to a shortfall on the balance that their system had spotted and that the grossly increased repayment was to recover the shortfall (we are towards the end of the term). We have always paid our repayments, as calculated and charged by the bank, since the beginning. We've never gone into arrears. Clearly the bank have miscalculated our repayments along the way and are trying to rectify their own mistake by punishing us. What's galling about this is that we're now being dealt with by their Arrears Collection department (who are saying there's nothing they can do). Do we have a leg to stand on to refuse to repay these 'balloon' payments now, and if we do are we then technically in arrears? Surely the bank should be forced to accommodate us due to their own inadequacy?