This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Yes, its been set for a few weeks time.

Hi Ell-enn (thank you citizenB), The arrears were approx £12k which she paid the day after the court date (as per the instructions of the judge). She actually tried to make this payment the day before the eviction date but the mortgage company were absolutely certain they didn't want to listen and even said that they would go ahead with the eviction even if the arrears were paid. I am not sure how the arrears charges have been applied, but this is something I will look into as well. I don't think she has many of her statements but I was thinking of writing to the mortgage company and requesting the information (paying £10 etc) and hoping to gather the evidence that way. I will search around for statements and see if I can answer this point. The mortgage is in her and her son-in-laws name. He resides there with my sister and their kids (and my mum as well). My son in law has a business and my mother is also drawing a salary from the business. Due to her health she hasn't been able to work (she had a spinal operation over a year ago) and so has to employ someone to do the job she was doing. In her household, 2 of her grandchildren are both graduates and in very good jobs. They've always lived at that address and they contribute to the mortgage shortfall between what my brother-in-law and mother bring in and pay towards the mortgage. The arrears and non-payment only happened because of a short term hitch in their finances because of the changes in the business. I hope that answers your point. Thank you again for getting back to me.

Thank you for your reply. I've been lurking in the shadows of the forum for a while and know that patience is a virtue I have thought about the charges and will read up about the process. In the meantime this is a bigger issue which I want to concentrate on for now.

I hope someone can help. My mother has had a mortgage with Kensington for a number of years and in recent years she fell behind with her payments and was taken to court (approx 18 months ago). We managed to agree to continue paying the mortgage and £100 on top per month towards the arrears. Unfortunately for every month you are in arrears with Kensington there is a penalty payment and this meant the actual arrears were hardly getting reduced, if at all. She continued to make payments until 6 months ago when due to ill health and not working she again fell behind with her arrears. Kensington have again taken her to court for eviction and we managed to get an emergency hearing the morning of eviction and stop the eviction and have a hearing before the judge. The judge was quite fair and he gave her a chance to rectify the problem with the arrears. She was given 24 hours to clear the arrears (which she did) and to ensure the next mortgage payment was made on time (which she did the following week). The judge has suspended the court hearing till a few weeks later allowing her to make the payments, but more importantly Kensington has raised concerns that she wouldn't be able to maintain the monthly payments. At the next hearing, the judge has asked for her to provide evidence on how she is planning to maintain the mortgage payments. My initial question is, can the judge rule in favour of the mortgage company now that the mortgage has been bought up to date? Any help you can provide would be greatly appreciated.

Thank you Slick132. That was what I suspected, but I just needed the clarification.

Hi, I've searched for a while but can't seem to find a definite answer to the following; I was Director of a small Ltd Company which closed over 6 years ago. We had loan facilities and overdraft facilities through the time of the business. I believe there may be charges which were unfair and can be claimed. Am I, as Director of that company able to claim charges? Any help would be greatly appreciaed.

I should be able to help on this techie question. Basically scroll to the top of your screen and you should see the User CP (Control Panel) link. Click this link and then select "Edit Signature" from the left hand panel. You'll probably want to play around a bit by saving something and seeing how it looks in preview before you're happy with it, but the general rule is to choose a smaller font to that which is the usual font, so people can distinguish the difference between a reply text and your signature text. Hope that helps.

I'll be persuing business and personal account charges so will be watching your thread. If i find any info which might be relevant i'll be sure to pass it on. Good luck!

Good Luck! I'll be sending my DPA letter today!

Michael, Thank you very much, thats enough to allow me to get my inital letter sent off. I'll await the other replies.

Hi, I hope someone can answer the questions asked above, its been sometime since i posted them, but unfortunately i didn't get a reply. In addition to the above questions, i would like to ask; Do i need to pay £10 for each account being requested in the DPA letter? or will one letter, asking for information from 3 accounts with one payment of £10 cover it all? Many thanks in advance for your help.

I hope someone can help me answer a few questions before I head out to start my campaign against Lloyds Bank. 1 – Business Account – Ltd Company I was director and had this account for a few years before ceasing trading around 2002. There were charges that were incurred, and without looking at statements at the moment I would assume that it would be in the region of £1000. Having looked through the FAQ, I could not find an answer so my question is; If the limited company has ceased trading and all claims would be made through the company, would I encounter any difficulties in making any claims? If successful, I’m assuming that all charges would be refunded to the company, but since the company does not have an account any more how would I, as director, benefit from those refunds? 2 – Lloyds Credit Card I had a personal credit card with about £12500 debt to pay. In January I was lucky and got a tax refund which I used to clear my debts. I reached an agreement with Lloyds to pay £8000 and call it quits which I did and paid off my debt immediately. Is it worth pursuing with this any further or should I consider myself lucky? I have a personal account which the FAQ has answered, so I’m hoping to pursue that claim. Any answers to assist in the above would be greatly appreciated.

Maybe some of their employees are finding out the best way to help their family and friends get refunds too! I'm sure this issue must have hit home for many of them