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About TeamEdward38

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  1. Thanks for these links much appreciated. One more thing I phoned Kensington about this a week or so ago and asked for a statement of the account to be sent to me so I could review all charges and then put my complaint in writing. This arrived yesterday. They said they have only charged me 2 charges canx of direct debit fee and the redemption fee. They've offered £50 ish plus interest on those two charges. Their statement of account makes no mention of all the £50 arrears fees and shows the redemption figure as being £15,000 less than what it actually was
  2. Thanks Martin do we have a template letter for this on here? Am going to try it I think
  3. Hi all bit of advice please sorry if am posting in wrong place. Can I still reclaim mortgage arrears charges from Kensington? It's from a closed account from 2007 Thanks
  4. I didn't know, I didn't actually do anything but still want to try...
  5. Please can anyone help me? I am in court on Friday morning regarding the repossession of my house that I own. I have arrears which have accumulated over the last 7 years totalling over £7k. I have always managed to come to arrangements and stick to these as best I could. In January this year I moved out of the mortgaged property because it wasn't big enough for me after the birth of my third daughter. My brother said he would rent it and cover the mortgage, and I could then afford rent on a bigger house. Problems hit in April when my brother lost his job. He hasn't paid me a penny
  6. I have sent my MP an urgent email also tonight - hopefully he will be in touch tomorrow. He has assisted me before in the past with CSA problems and been very helpful. This might sound stupid but how do I find out who my local councillor is?!
  7. I am in receipt of child tax credit and child benefit. I haven't spoken to anyone in that section of the council no. I will try that tomorrow. The council appear to have "lost" my discount application form that I handed in in July when I went to see welfare rights. So they posted me another which I have completed and posted back to them today. I must admit I thought the same re attachment of earnings. I would have preferred they do that to sending in the bailiffs. I did inform the bailiff that those items were rented and on the Notice of Seizure of Goods he did asterix TV and dvd p
  8. Thanks for your replies so far. WD - I have asked them to give the debt/liability orders back to the council but they are refusing to do so. They are basically refusing to listen to me at all and basically saying "tough - we'll take all the goods then" ... so how do I make them return the liability orders to the council? I have also asked the council if they can contact the bailiffs themselves and ask them to return it back to them but they said they wouldn't. I've also emailed my MP tonight in the hope he can offer some assistance. Other than that I don't know what else to do. I'll have
  9. I would be very grateful if anyone out there can advise me as to what I can do regarding my council tax arrears please and how I can get these awful bailiffs Bristow & Sutor off my back. They are demanding £996.69 by Thursday 17 November, and then 4 monthly payments of £995 by the 17th of each month. THEY HAVE BEEN IN MY HOME (I was ill and let him in without even thinking or realising that I had the right to not let him in) and have made me sign a NOTICE OF SEIZURE OF GOODS/WALKING POSSESSION AGREEMENT. A little bit of background. I am a single mum of 2 girls age 9 and 14. I str
  10. Hi all I'm relatively new to consumer forums having only posted once or twice previously so apologies if I'm in the wrong place, please point me in the right direction if so. I have two potential PPI claims with Welcome Finance. The first one is a loan that was paid off in September 2004 when I remortgaged. It was a secured loan with welcome. I don't have the paperwork but have the account number from my mortgage redemption statement and the amount that was paid off. I know this loan had PPI or I wouldn't have secured it on my house, but I'm go
  11. Hi HeatA Yes I did get some joy eventually ... although it did take some time and lots of phone calls and emails! I complained in writing to Cash Genie (sent by post and email to the address for complaints in their terms and conditions on their website). Obviously Cash Genie didn't reply. I had threatened in my complaint letter that I would take further action if a satisfactory response wasn't received, through the BCCA/Financial Ombudsman. As I didn't receive a reply in writing at all from Cash Genie some two months later I decided to write to BCCA just to see if it got me
  12. Thanks to everyone who's replied. Just thought I'd update you all. I got a response today from Cash Genie to my "urgent complaint". As a gesture of good will they are prepared to refund £50 to my bank account. They are not willing to refund any more than that as they say I owed the money. They don't believe they have acted illegally or fraudulently as the terms and conditions clearly state they will use whatever methods they can and have access to, to recover monies that I owe them. They said when I filled in the "everyday is payday" application online, I agreed to their terms and condit
  13. Hi, I'd be grateful for any help/advice that anyone can offer please. I'm new to this site. The past year my debts have increased, partly due to not receiving maintenance payments from my ex-husband for almost a whole year. I have a bad credit rating anyway from debts that he ran up when we were together in joint names. The past year I have built up mortgage arrears of £2500 and council tax arrears of about £2,000. I have sorted out my mortgage and council tax repayments, and that is all going fine at the moment, but some months I couldn't even afford food and to pay for school fees e
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