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sixofspades

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About sixofspades

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  1. It's been a while since I last posted about this matter but as today was the 2nd and final hearing in the courts, I think some closure for those who have helped me is in order. And its great news. The purpose of today's hearing was to assess the arrears repayments in the long term (C&G vs N). Prior to the hearing, I contacted Kensington who, at that time, seemed to be unaware that a second hearing was talking place even though they wanted the 3 month review to happen to get more money out of my family. Regardless, I attended the hearing with my parents to get the repayment amount redu
  2. It's been a while since I last posted about this matter but as today was the 2nd and final hearing in the courts, I think some closure for those who have helped me is in order. And its great news. The purpose of today's hearing was to assess the arrears repayments in the long term (C&G vs N). Prior to the hearing, I contacted Kensington who, at that time, seemed to be unaware that a second hearing was talking place even though they wanted the 3 month review to happen to get more money out of my family. Regardless, I attended the hearing with my parents to get the repayment amount redu
  3. I finally got the Subject Access Request through from Kensington earlier this week (late I might add). I've yet to give it a thorough going over but my brief skim read is revealing some interesting stuff. There are several forms pertaining to actions made on the account (relating to a re-mortgage I believe) that do NOT have authorisation from both account holders. Only my father's signature appears on them with the space for the second account holder being left blank. Does anyone here know what the possible legal ramifications of that are with regards to Kensington? Is this grounds to tak
  4. I finally got the Subject Access Request through from Kensington earlier this week (late I might add). I've yet to give it a thorough going over but my brief skim read is revealing some interesting stuff. There are several forms pertaining to actions made on the account (relating to a re-mortgage I believe) that do NOT have authorisation from both account holders. Only my father's signature appears on them with the space for the second account holder being left blank. Does anyone here know what the possible legal ramifications of that are with regards to Kensington? Is this grounds to tak
  5. Kensington like to be tricky when it comes to acknowledging receipt of letters pertaining to legal matters. They won't play fair and it buys them time. They demand their victims follow the law to the letter whilst they themselves dance merrily around it. They pulled the tactic on me but it didn't quite work as they'd already acknowledged receipt of another letter that was received by them at the same time. They decided to claim they'd simply misplaced the letter in question, "finding it" when I pointed all of this out to them (it was a Subject Access Request they managed to delay by two w
  6. Hi all. Been a bit busy lately so not had much time for an update but here goes. Well disappointingly, at least according to the solicitor that helped in the first court hearing, I'm not entitled to legal aid despite CAB insisting that I am. This refusal according to the solicitor is on the basis that I'm not a named defendant in the case despite the fact I've orchestrated the entire defence and been recognised by the court as an affected and interested party. I also hold third party authority on the mortgage account. Going to have to look into that one. Secondly, even though I'm sti
  7. Hi all. Been a bit busy lately so not had much time for an update but here goes. Well disappointingly, at least according to the solicitor that helped in the first court hearing, I'm not entitled to legal aid despite CAB insisting that I am. This refusal according to the solicitor is on the basis that I'm not a named defendant in the case despite the fact I've orchestrated the entire defence and been recognised by the court as an affected and interested party. I also hold third party authority on the mortgage account. Going to have to look into that one. Secondly, even though I'm sti
  8. Fantastic to hear Tigger72. I knew you'd be ok
  9. The judge will just ask you questions relating to your defence. It will be handy to know general information such as how long your mortgage term is, what your repayment proposal is (actual figures) and how you are going to maintain this going forward without having to dig through paperwork. The judge may discuss specifics relating to the budget sheet you have provided too. Oh and if you can, prepare copies of your defence paperwork for everyone on "your side" in the court room (Yourself, your spouse, your representation should you have any). This is just so that you can all refer to the same i
  10. I'm really not worried as such. In fact I'm feeling quite empowered now. I intended to make a case to the courts to reduce the monthly arrears payments to better reflect a reasonable long term repayment schedule. This will be to relieve financial stress, to reduce the reliance on 3rd party contributions in the budget and to prevent changes in the housing market rendering the agreement unsustainable. I'll also be enlisting the solicitors help regarding unlawful and unfair fees charged by Kensington (just in case at least) and to provide assistance with Family Law should a conflict of inter
  11. I'm really not worried as such. In fact I'm feeling quite empowered now. I intended to make a case to the courts to reduce the monthly arrears payments to better reflect a reasonable long term repayment schedule. This will be to relieve financial stress, to reduce the reliance on 3rd party contributions in the budget and to prevent changes in the housing market rendering the agreement unsustainable. I'll also be enlisting the solicitors help regarding unlawful and unfair fees charged by Kensington (just in case at least) and to provide assistance with Family Law should a conflict of inter
  12. So the ball is finally rolling on the Subject Access Request. I returned the necessary fees and authorisation to Kensington last week and today confirmed that they had received them. Although this wasn't quite that straight forward - once again, I think they had plans to sit on it but I didn't let them. I demanded they have an answer for me by the end of the day. I got that answer about 30 minutes ago and they have told me everything is in order and I should receive the requested information on or before the 1st October. In other news, in preparation for the review hearing in 2-3 mon
  13. So the ball is finally rolling on the Subject Access Request. I returned the necessary fees and authorisation to Kensington last week and today confirmed that they had received them. Although this wasn't quite that straight forward - once again, I think they had plans to sit on it but I didn't let them. I demanded they have an answer for me by the end of the day. I got that answer about 30 minutes ago and they have told me everything is in order and I should receive the requested information on or before the 1st October. In other news, in preparation for the review hearing in 2-3 mon
  14. You'll be absolutely fine in court Tigger72. Speaking from my own personal experiences, the judge will understand any nervousness and anxiety you might be feeling and will make you feel very at ease. Just make sure you are prepared with regards to your paperwork and responses. Stay strong, stay positive and good luck!
  15. Kensington have finally responded regarding the Subject Access Request but only two weeks after they received it. Turns out they've found it after I proved they had it but they've returned it plus the fee on the basis that only my father had signed the request - the request was only for him in the first place though. They have stated that they need my mother's authorisation too. I immediately rang them to get them to clarify that I would only need to send £10 to cover both my parents and they said that is correct. As such, I have returned the SAR with the £10 fee to Kensington, including
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