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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Kensington Mortgage Claim For Arrears Charges


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Kensington Mortgage-Claim For Arrears Charges.

 

Have started a claim against Kensington for unfair charges such as failed DD, late payment charges which, amount to around 20% of the original second mortgage loan..working on the particulars of claim and will post it here today or tomorrow..

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Hi 42man,

 

Thanks and will keep updating..:-)

 

Having a run in with GE Money here

 

and yet another one with GE mid April...

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  • 3 weeks later...

This is great. I would like to do the same. I dont have my house now because I was bullied out of it by KM. I took 5.720.00 loan out on 21 October 2004. Am I too late to claim back charges? I also took the claim out through Prestige Finance Ltd who arranged the re-mortgage and then passed me onto Kensington Mortgages. They took me to court and said I owed 7 months arrears when I only in fact owed 3 months. I lost my home of 10 years at the hands of these people am I too late to strike back. ??

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  • 4 weeks later...

 

Hi Elliebes, Sorry to hear your problem and for not answering your post for a while..due to being quite busy.. I'm not sure you can do anything now as I've read threads stating when the agreement is expired or not in force you can't do anything however, I could be totally wrong on this and you may well be able to try..I filed my claim before the agreement expired..

I'm wondering if enough folk feel badly done to then, maybe we can send reports to the FSA and ask them to investigate??

Perhaps a wiser one could throw some light on this and if Elliebes can claim???

Update:

Kensington have made an offer with confidentiality thrown in however, I didn't feel it was enough so, have replied with a counter offer and no confidentiality..to date nothing and the AQ is going in today..they have filed a defence which at some point I'll outline here.

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thanks for replying and its no problem. I will never forget the way they hounded and hounded and hounded me and wore me down. I had a heart attack with the stress of it all. Wonder if I can get them for that? Yes I think we should again collate stuff and send it to the FSA.

 

Actually the Ombudsman is well aware of my case and has kept my case open for me to reapply because they made a cock-up of my paperwork when I sent all my bumf to them 5 years ago just before I left the country. they said they never received it and the guy dealing with my cliaim when contacted 2 years later said my paperwork had been filed under a different number. All I have to do is dispute the KM response letter. Im sick to the stomach on anything to do with KM I cant read the letter because it brings it all back.

 

My daughter who works has a managerial job in RBS said I only ever owed them 2 months and they tricked me into owing 3 months so they could move towards reposession. When they took me to court they said I owed 7 months and on the financial statements for the court they have omitted payments I made earlier in the year to make it look like I owed 7 months. But because it was made by payment book I cant PROVE i paid those payments.

 

This mortgage lender is untouchable by anyone. I think its about time they met their Nemisis.

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  • 2 weeks later...

Im out of time anyway to go after KM for anything as I signed the contract with them in 2004. They moved to repossess in 2006. I lost a 125.000 home for the sake of a 5,500 loan when I had to sell it to stop KM from getting their grubby hands on it. But I only managed to get back the deposit I paid in the end back in 1995. But I was forced into doing this or I would have ended up with nothing whatsoever. The CAB were about as much use as a chocolate fireguard and the DSS were just as bad sticking by their rules.

 

 

Quite frankly it makes me ill to read their final response letter to the Ombudsman because its all full of lies.

 

Again I have said I dont know how these people have still managed to continue to trade. If you can get them UH then go after them.

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14A Special time limit for negligence actions where facts relevant to cause of action are not known at date of accrual.E+W

 

(1)This section applies to any action for damages for negligence, other than one to which section 11 of this Act applies, where the starting date for reckoning the period of limitation under subsection (4)(b) below falls after the date on which the cause of action accrued.

 

(2)Section 2 of this Act shall not apply to an action to which this section applies.

 

(3)An action to which this section applies shall not be brought after the expiration of the period applicable in accordance with subsection (4) below.

 

(4)That period is either—

(a)six years from the date on which the cause of action accrued; or

(b)three years from the starting date as defined by subsection (5) below, if that period expires later than the period mentioned in paragraph (a) above.

 

(5)For the purposes of this section, the starting date for reckoning the period of limitation under subsection (4)(b) above is the earliest date on which the plaintiff or any person in whom the cause of action was vested before him first had both the knowledge required for bringing an action for damages in respect of the relevant damage and a right to bring such an action.

 

(6)In subsection (5) above “the knowledge required for bringing an action for damages in respect of the relevant damage” means knowledge both—

(a)of the material facts about the damage in respect of which damages are claimed; and

(b)of the other facts relevant to the current action mentioned in subsection (8-) below.

 

(7)For the purposes of subsection (6)(a) above, the material facts about the damage are such facts about the damage as would lead a reasonable person who had suffered such damage to consider it sufficiently serious to justify his instituting proceedings for damages against a defendant who did not dispute liability and was able to satisfy a judgment.

 

(8-)The other facts referred to in subsection (6)(b) above are—

(a)that the damage was attributable in whole or in part to the act or omission which is alleged to constitute negligence; and

(b)the identity of the defendant; and

©if it is alleged that the act or omission was that of a person other than the defendant, the identity of that person and the additional facts supporting the bringing of an action against the defendant.

 

(9)Knowledge that any acts or omissions did or did not, as a matter of law, involve negligence is irrelevant for the purposes of subsection (5) above.

 

(10)For the purposes of this section a person’s knowledge includes knowledge which he might reasonably have been expected to acquire—

(a)from facts observable or ascertainable by him; or

(b)from facts ascertainable by him with the help of appropriate expert advice which it is reasonable for him to seek;

but a person shall not be taken by virtue of this subsection to have knowledge of a fact ascertainable only with the help of expert advice so long as he has taken all reasonable steps to obtain (and, where appropriate, to act on) that advice.

 

Linky:

 

http://www.legislation.gov.uk/ukpga/1980/58

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Hi,

 

I feel very sad about the way we have all been treated by these companies and to read peoples individual stories not only on CAG but also from friends of friends..

 

We have never tried to dodge our responsibility to pay our debts however, most have either treated us with contempt or simply flexed their muscles to cause us maximum damage and hardship..

Can't thank the tireless helpers on this site enough and we will always appreciate them..

 

This being said then, just go for it you might find they cave in quite quickly..read what you can, ask for help and definately start your own thread, this way you will be in a better position to be helped..

 

I feel quite happy this week ! GE next ...

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Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

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thanks nevos....oh the irony Im volunteering for the CAB but Ive discovered not all CABs are equal. I might see what I can do and will try to read what I can. My brain is suffering from information overload at the moment.

 

To be honest I dont even know what Im going after them for other than they harassed me out of my home, lied on the document to the courts about how much I owed (I didnt contest this I was beaten) and probably charges on my bill for none payment.

 

Where do I start? yes I will create a new thread I think..

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  • 4 weeks later...

thanks nevos....oh the irony Im volunteering for the CAB but Ive discovered not all CABs are equal. I might see what I can do and will try to read what I can. My brain is suffering from information overload at the moment. To be honest I dont even know what Im going after them for other than they harassed me out of my home, lied on the document to the courts about how much I owed (I didnt contest this I was beaten) and probably charges on my bill for none payment. Where do I start? yes I will create a new thread I think.. -------------------

 

Hi Elliebes..sorry have been busy lately and not replied to your post. I.m not sure if you can do anything about it retrospectively as your agreement will have been terminated though, I guess you might be able to file some kind of compensation claim if you can put it all together what happened and make a case.

 

Did you just let them take it or could you not pay the loan or something? was it a second mortgage? Good luck with CAB..

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Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

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thanks. Ive decided to not bother and let it go.

 

I did take out a loan based on my equity and they did do a lot of lying things to get their grubby hands on my home but in the end due to being pushed into selling my home in an online AUCTION to stop them getting their hands on it was my only option at the time its just going to be a whole load of stress that I dont need. This was 6 years ago.

 

I beat them in the end but to my detriment. I wouldnt recommend doing what I did but if your desperate its another option to pull the rug out from under them. They thought they were going to foreclose on my home and got their eye wiped. Ok yes they got back their mortgage and the loan payment but they wouldnt have been able to make any further profit from it. :-D

 

Im rehoused now albeit rented but I will never own another property again on this basis and I dont want to Im happy with renting.

 

Home ownership is not what its cracked up to be unless your loaded.

 

I will just warn people in the future not to take out ANYTHING with KENSINGTON MORTGAGES. :-(

 

Thanks for your input. :wink:

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man 42 is right go for it... They are trying to settle disputes amicably to avoid the FSA after getting some hefty fines..

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Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

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  • 1 year later...
Kensington have acknowledged service of the claim, thats it for now..

Can you tell me which solicitors you used ? I am about to start a claim against London Scottish. I have £1500 in set up fees on my secured loan plus over £2000 in late fess ect. The loan was for £8k and 5 years on I owe over £11k still. Cheers

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Hi,

 

Been some time since I posted here:

 

cazkenny2000

 

I did it myself as they had added charges of ( from memory) around £1250 or so over a period of time, just before the end of the loan I hit them with a county court claim..they came back with an offer of 900, I refused to accept it then, I thought perhaps I should have anyway, they came back with the full amount.

 

I might add that, to pay off the loan was £2500 within the settlement I agreed to pay the balance £1250 within 14 days..end of story and adios Kensington..I just had got some tax back..

 

Hope this helps, I had found a lot of info on CAJ especially where they had all got fined in to the millions for not helping people..did the trick..

 

Thanks.

 

 

 

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Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

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... I had found a lot of info on caj especially where they had all got fined in to the millions for not helping people..did the trick..

 

Thanks.

 

 

 

[/color]

 

caj?????

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