Management charges when in arrears

I have a mortgage with Kensington. When it fell into arrears they applied a management charge. £100 per month. I am paying off £150 but in effect by the time they charge the extra interest....plus their management charge....im paying pennies of the arrears. Is this legal or unfair contract. Its seems to me a workround for dual interest rates. They also like to phone you each month to "make sure all is ok". for which they charge approx £20!!!!

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