Kensington Can I Claim

[bingowings]

Hi evey 1, Just enquiring whether i can claim any money back i.e charges etc.
Had a suspended repo order on hse last year, was paying arrears of as agreed when events beyond my control took over. Youngest child rushed into hosp, emergency appendix (may). Our 17yr old neice died (june). Myself admitted to hosp diagnosed with copd (july). All of which resulted in payments being either missed or delayed. After taking stock of everything we decided to sell and start afresh. Hse sold within a week and sale progressed. We received a phone call from kensington asking why a solicitor was requiring redemption figures, we informed them that we were selling. Then the nightmare really took over, kensington went back to court and got the repo order re instated, which the judge granted. Our solicitor faxed confirmation that completion was imminent this was nov. Imagine our shock when a bailiff knocked on our door to hand deliver an eviction order for 18th dec. We were forced to pull out of sale and quickly remortgage, which we did and completed 4th dec. Nightmare Over? no far from it. On 17th dec whilst i was putting up Xmas decs bailiff comes a calling telling me that i have to be out by 11am the next day. He insisted on entering my home to put a repo notice in my window.

Now i know what you are all gonna say, never let them in. But i did and was glad to see the smirk wiped of his face when upon entering my living room, my american bulldog gave him the once over decided that he didn't like this strange man in his home, and the tone of voice he was using to me and proceeded to omit a long growl. I told the bailiff that as he had insisted on entering he wasn't leaving until this mess had been sorted. By this time he was sweating buckets.
20 mins later and im sure 1/2 stone lighter the bailiff apologised for the mix up. Kensington hadn't cancelled the repo even though we no longer had a mortgage with them.

Can i claim back charges for arrears? They put us through hell, would be nice to think i could get something back.
Thanks for reading my post

[Goldlady]

Yes I am sure you can claim the arrears charges back. We have just done so with GE Money after paying them off - we had similar problems with them but it didn't get quite so far as yours. I am horrified at the way you have been treated. The letter I sent GE was similar to the bank charges one - my saga is here:

GE Money Secured Loans ***WON***

Best of luck. We are waiting for our cheque and have a bottle of champagne ready!!

Are you glad you kept your house by the way?

[bingowings]

Hi goldlady, yes in one way but disapointed that we lost out on where we wanted to move to. Still don't sleep properly at night over it. Did you send in a standard letter for your charges. Can i download them on here?. Thanks for replying

p.s I wished i had a camera rolling when i let the bailiff in, his face said it all. Benson my dog is a big teddy bear lol

[Goldlady]

If you look at Post 17 on my thread - click on the link in my last post here - you will see the letter we sent, which hopefully you can adapt to suit. I am not sure if there are any templates for mortgage charges on here - someone might correct me. We did end up issuing proceedings against them and the settlement offers started almost as soon as they had received the claim.

[bingowings]

Hi sorry to be a pain but i don't have any figures to throw at kensington. Do i send a S A R , how much does it cost. Thanks

[maroondevo52]

Hi, bingowings.

Send a £10 postal order with your S.A.R - (Subject Access Request).

1. Data Protection Act, Subject Access Request letter - List of charges


Regards.

Scott.

[OLIVE.FAMILY]

Just wanted to wish you loads of good luck with this.

I have a story very similar to yours as to why we fell behind with a Kensington Mortgage. I can tell you that I already have got the FOS looking into their charges but it looks like they are really busy so my file is in a queue at the mo. Unfortunately we cant escape until they wipe away these charges as there isnt enough equity.

Keep us all posted. GOOD lUCK

[bingowings]

Hi Olive thanks for your response. Sickening thing was that in Feb we received a cheq bk from our new mortgage people, kensington had over charged us in their final calculations. Cheq back was for £1200, double what the arrears were at the end. They were reposessing us for £600 can you believe that. S A R letter going of tomorrow. The way they treated us was terrible.

[OLIVE.FAMILY]

Yes I can very much believe Kensington reposessing for £600. Try and get all you can out of them. Did you have to pay an early redemption as some times you can reclaim that as well.

Olivesxx

[bingowings]

Yes i believe i did pay erc charge. Never received final breakdown from kensington so don't know how much charges there were. Like to think that i could give them a kick up the butt in return for all the stress they put us under.
Will keep every 1 posted on my mission. Olive i'm in essex as well.

[OLIVE.FAMILY]

Where abouts if you dont mind me asking
Olivesxx

[bingowings]

dagenham

[OLIVE.FAMILY]

I live on the coast. Near Colchester.

If you had your mortgage with Kensington for under three years then there would of been ERC and it would of been over a grand as well.

Look forward to seeing what happens. In the meantime if I do get any news from the Ombudsamn about my charges i will let yoy know.

[midge61]

Hi Olive.family

I put a complaint in to the FOS re mortgage charges last August and it still hasn't been allocated to an adjudicator............th ey are very busy apparently

Be prepared for a long wait!

[OLIVE.FAMILY]

Hiya midge61
I know it is looking like that. I put mine in in January and I phoned them up the other day after getting anouther letter saying that they will write in 4 weeks. They reckon that they are starting cases a few months behind mine. Maybe you should give them a call to see where they are up to in relation to yours.

I completely appreciate that they are very busy bit it is kinda frustrating as we cant remortgage with these charges as we have a loan and a mortagage with these guys.

Never mind. If you do find out where they are up to let me know please.
Thankyou

Olives xx

[OLIVE.FAMILY]

Just out of interset Bingowings. How did you get on with claiming money back from KMC

olives xx