My mortgage was with bank of Scotland, fell into arrears. Movers to Tanager and had a really bad time with them. The arrears apparently were calculated in correctly and I was told they were getting reduced by €10k. Pepper took over the mortgage and own it now and I have finished paying off the arrears.
Did bank of Scotland inflate the arrears as well?
I would like to get my mortgage audited to see is the remaining balance now correct.
Hope this explains it better.
As Brendan suggests, you should not need a specialist to check a home mortgage statement.
For complex commercial/BTL loans, I can highly recommend http://www.bankcheck.co.uk/default.asp They are based in Belfast and have a database of most of the interest rates that were applicable on the various loans issued by the main banks.