Warhorse v Kensington Mortgage Company

WarHorse · 31st December 2006, 17:13

About to commence claim with Kensington Mortgage Company. Does any1 know address to whence 1 sends Subject Access Request, pls?

cooxie · 31st December 2006, 18:14

I have two addresses for Kensington, not sure which is best tho.

1 Providence Place,
Skipton
North Yorkshire
BD23 2HL

Head Office
Kensington Mortgages
1 Sheldon Square
Paddington
W2 6PU

WarHorse · 1st January 2007, 11:39

Thx, Cooxie. I think i recognise the Providence Place address as one I dealt with. Let will go 2moro.

cooxie · 1st January 2007, 12:21

Good luck.
Haven't contacted Kensington myself yet, have an ERC from 2004, waiting to see the outcome of others first and settle my NatWest claim.

WarHorse · 2nd January 2007, 00:24

Good luck, Cooxie. Managed to find old Kensington redemption statement with a/c no. so will send Subject Access Request req let 2moro. They sure like to charge for each & every little thing - i found £250 added to the redemption figure for 'sundry disbursements', plus lots more! Will keep you guys posted on progress.

WarHorse · 3rd January 2007, 23:20

Posted Subject Access Request to Kensington Mortgages on 02/01/07. Wondered if any1 had ne thoughts re a redemption figure which may have been 'loaded' because of their charges? I redeemed my mortgage with Kensington but i know that the redemption figure was 'hiked up' further by their charges. Up to what date can I claim the interest on the 'penalty' charges as I am still in effect paying those, i.e. paying an increased mortgage advance (which i would not have had to pay but for those charges) to this day? Your suggestions would be much appreciated. Thx.

WarHorse · 3rd January 2007, 23:48

Looking through an older Kensington statement attached to the redemption statement there are charges for a 'debt counsellor' at £75.00 added, of course, to the mortgage capital o/standing!. Has ne1 claimed for these? I would appreciate some advice, pls. On a brief general point, when you (as the Claimant) issue your MCOL, (or a paper claim), the Defendant has 14 days in which to file a defence, UNLESS, they tick the box marked 'Acknowledgment of Service' - by ticking this box they get another 14 days in which to file their defence. If they do not tick the AoS box, then you can ask the Court to grant judgment in your favour after the 14 day timescale. Judgments can be set aside, though. All that needs to be done is to file an affidavit at Court stating that in the interests of justice, the defendant should be allowed the opportunity to file their defence. I am not a legally qualified person - so plse dont rely what I have said, but i have worked for solicitors & this is what they do. This is my (subjective) understanding of how the Court system works.

zootscoot · 4th January 2007, 21:32

Good luck Warhorse.

Another Kensington claimer joins the ranks!

Would you like your title changing to Warhouse v Kensington?

WarHorse · 4th January 2007, 21:58

Quote:

Originally Posted by zootscoot

Good luck Warhorse.

Another Kensington claimer joins the ranks!

Would you like your title changing to Warhouse v Kensington?

Yes, please!

WarHorse · 13th March 2007, 23:59

Been out of the loop for a while, but the WarHorse is back on track now. Confirmed that Kensington (who I now believe are MAS? - any1 confirm if this is correct, pls?) have rec'd my Data Protection Act let; the 40 days have expired and nothing to date. I will confirm 2moro whether or not the cheque has been cashed & if it has, does any1 have any (nice) suggestions as to where/what is the best course of action?

mochamoo · 14th March 2007, 00:10

WarHorse · 24th March 2007, 14:58

Thanks guys & my thanks to mochamoo. Has any1 heard the news on the radio on Friday that Kensington have issued a 'profit warning' statement. Apparently, it is all the fault of us the customers who default, would you believe.

On another note, can any1 assist with Particulars of Claim for MCOL, pls? I have other claims but as I had the statements I didnt have to go through the longer route of requesting them, but am now at the stage of filing my MCOL. Any help would be greatly appreciated.

mochamoo · 24th March 2007, 18:40

WarHorse · 8th April 2007, 11:59

Just claiming for the unlawful penalty charges at the moment. Didnt incur ERC, heaven only knows why - could be because gave 3 months notice when requesting redemption figure.

insider1 · 10th April 2007, 00:08

For all who care to read.

Kensington are not now, nor ever have been part of MAS or any other lender. KMC, own shares in Money Partners, and also START mortgages in Ireland. They also have an interest in a Swedish company.
To set records straight, all KMC customers have a condition within their loan, which gives consent for KMC to sell, or transfer any account they wish

mochamoo · 10th April 2007, 14:43

insider1 · 11th April 2007, 01:00

Hello Mochamoo

I most certainly do not work for Kensington. The information I get is from various websites and from personal experience. For example, go to KMC.co.uk, and click on the Kensington Group link, and this will tell you all about the companies within Kensington.
I found out about LIBOR after complaining about my interest rate, which I thought was originally linked to the Bank of England.
To all who read, I thougt I was doing the right thing about sharing what I know, and I am sorry if I caused anyone to think anything else.

mochamoo · 11th April 2007, 01:13

kopite71 · 11th April 2007, 01:44

Mochamoo.

A very well made last post!

LITTLElottie · 2nd May 2007, 18:41

Hello
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