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About Jens45

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  1. In view of Kensingtons latest correspondence to myself, I shall be photocopying everything in relation to this claim and forwarding it to the FOS. I always thought that it was 12 years for mortgage claims. I shall also be writing to Kensington, re the time element and informing them that I have forwarded all correspondence relating to this claim to the FOS and kept copies for myself. Is this the right way to go please ?
  2. Hi there. Follow up to my claim for unfair mortgage arrears charges against G E Money. G.E sold my mortgage to Kensington in May 2016 without my knowledge until a letter was received a week before. I claimed unfair charges from GE. GE proceeded to dismiss my claim, saying that it was no longer my mortgage provider and hence sent the claim to Kensington. Kensington in their infinite wisdom have written to me on 3rd October 2016 saying they are investigating my claim. On 28 October 2016 I have received a further letter from Kensington dismissing my complaint(claim) They are now telling me that :- We believe it would be prudent at this point to explain that Kensington is not obliged to consider a complaint where it has been received outside of certain time limits. In addition the Financial Ombudsman Service may not consider a complaint where that complaint is referred to it outside of the time limits set out in the FCA's Dispute Resolution Rules 2.8.2R except in extenuating circumstances. The time limits relating to fees incurred and events state that complainants have the longer of six years from the event giving rise to the complaint or, three years from when they knew (or ought reasonably to have known) that they had cause for complaint, in which to complain to the Ombudsman. We may reject a complaint without considering its merits if we receive a complaint outside of these time limits. In the circumstances, and in view of the above, we consider that part of your complaint is outside of the time limits for making a complaint regarding the fees incurred as set out in the FCA's Dispute Resolution Rules 1.8.2R. Can anyone tell me what the time limit is for claiming unfair mortgage charges please. They are quoting me 6 years. Thank you
  3. And by the way I have my SAR from GE Money and am in dispute with them about unfair mortgage charges. They have acknowledged my letter of complaint and are looking into my claim. Not sure how it will pan out, but not accepting any of their lame excuses. I also understand that Fees and Charges cannot be accountable as arrears. Arrears are as far as I have found out are missed contractual payments. So in actual fact I owe £705 in arrears. My monthly payment is £493. From what I can see the £212 is interest added onto the missed £493 monthly payment. So in actual fact I am only ONE MONTH in arrears. I would not have paid part of a months mortgage. So this £212 must be interest added on over time. DAYLIGHT ROIBBERY
  4. Hi there Just to say that Kensingtons have replied, but NOT explained how they came to their Fees and Security Related Charges. They just said that I owed this amount and was in breach of my mortgage conditions. For heavens sake, how can anyone accrue £1,598.07 in fees and charges in just 8 weeks. On top of that, Kensingtons phone me daily and leave a text message daily, for me to contact them urgently about my mortgage account which is £705 in arrears - equal to just over one months mortgage. They have not even had the common decency to explain themselves to me about these "charges". I have written to them on several occasions, the last one was to offer them £100 a month to clear the arrears, but also to ask them to explain these charges. NO INFORMATION FROM THEM WAS FORTHCOMING. Only text messages asking me to ring them URGENTLY. Well Kensingfton, I have made my offer to you, but you have not replied to me at all. I believe that this lender- who we were all sold off to - is just another shark in the ocean of deception.
  5. Oh Hello again. this morning I had another letter from the Halifax about my credit card PPI -I wasn't even sure that I had PPI on that as there was nothing listed on my statements to show that PPI was being paid, just the balance etc. WELL WELL WELL, what do you know, this morning I opened a letter from the Halifax only to discover that they are paying me - and sending me a cheque - for the sum of £3,685.03 . Now if they have upheld these two claims (one of which I completely don't understand) then why did they NOT uphold my mortgage PPI. That's OK because I am going back to them to ask many questions and quote Paragraph 8.6 of the Banking code to them. And also tell them that if I don't receive a favourable response I will pursue this claim through the FOS.
  6. OK MM As I was paid 6 months FULL pay and 6 months HALF pay from my employer, would PPI have paid me as well. I DON'T THINK SO. in the end PPI on my mortgage was totally C.R.A.P. Has anyone ever heard of being paid TWICE for sickness etc. I would be interested to know and to have confirmation of this. I am going to persevere with this. I am NOT prepared to be fobbed off. Put it this way, if it was your company would you pay my mortgage if I was sick and being fully paid from work. I don't think so. And if that was the case, wouldn't everyone put in a claim !!! I have the rejection letter. I also have the original paperwork, that states I was covered 6 months full pay and 6 months half pay According to Moneysavingexpert, I didn't need PPI on anything. I paid almost £27 a month for 8 years and didn't need to. I am going to go to the FOS. I even have bank statements going back to 2004 and probably further. There is evidence on them that I paid this. Not giving up on this. I even have the name of the person who did my Financial review for the mortgage PPI. I have all the original paperwork stating that I had 6 months full pay and 6 months half pay. Was this person stupid or just money driven by commission. More like the last statement I feel. Well [removed] , you sold me the PPI and I name you here. If you made money out of me, then I am coming to back to HX to claim back what is rightly mine. I am led to believe that if one is in receipt of employer benefits as I was, one DID NOT need PPI.
  7. Good morning. After being rejected by the Halifax for my mortgage PPI (see above post) I was informed by the same company, on the same telephone call on the 25th July 2016, that they had discovered I had PPI added to my Halifax Bank Accounts Overdraft Facility. They said they were looking into it and I would be contacted about it later. NO CONTACT from them whatsoever, but yesterday I had a letter in the post with reference to this and they have upheld the claim (I never made a claim, they just informed me about it and I had not a Scooby doo) PPI on Overdraft - whatever next. they are going to send me a cheque for £2781.92. I am gobsmacked, but also confused. How can they uphold this and NOT my mortgage PPI. All done at relatively the same time and with the same employer conditions that I had at the time. Still to hear about my HX credit card .
  8. Have tried all afternoon to understand Open Office spreadsheets, still none the wiser. Yes please, I would like an example, so that I can see what I am supposed to be doing and then get on and fire this at GE. Thank you
  9. I too have had my mortgage transferred to Kensington from GE. I too have had a whopping £1,598.07 added on to my already £705.68 mortgage arrears. I too had only two weeks notice of the transfer and suddenly in 8 weeks I have incurred £1,598.07 in Fees and Security Related charges. I have my SAR from GE and am trying to get my head round a spreadsheet to claim their unlawful and unreasonable Admin charges, Returned DD charges and Non existent counsellor fee charges returned. Total for me to try and get back from them is £2,712.00. The way I see it is they have thrown us to the wolves and I am going to try and get redress for this. I visited CAB today and have an appointment for more detailed advice next week. Have notified Kensington that I have done this and asked them for an explanation of these charges. Letter sent today to Kensington.
  10. I have downloaded Open office but have absolutely NO idea how to do a spreadsheet. Do not know where to start. Would it be ok to just list the totals of charges separately i.e. Admin fees, Recall charges, Visits, Additional interest etc and present that to them in a covering official letter. Wish I could understand spreadsheets. But hey ho. Have never had anything to do with them in the past.
  11. If that was the case, I would have applied for PPI payout for my periods of sickness. As it was I had NO idea I had PPI. What don't you understand about NOT knowing for heavens sake. Oh, maybe you work for Halifax, who knows. I only know that PPI was not really an option for me because I was covered at work. FULL STOP
  12. It would fail to pay if you were receiving full payment for sickness elsewhere. So what is the benefit there I ask.
  13. Thank you dx. I shall await the arrival of the said letter outlining the reasons for the decline of the PPI and go from there. Once I have all the bumf in front of me, I will know what to do. I didn't think I needed PPI with the benefits I enjoyed from my Employer. The battle will begin. Thank you once again Good morning. Just to top it all, Royal Mail paid me 3 months full pay TWICE whilst recovering from 2 operations. (one of these operations happened back in 1995 - 5 years before PPI sold to me) I even admitted this operation on my form and was grilled about it when the PPI claims advisor from Halifax phoned me to clarify this condition. This was same day that the "letter" was supposedly posted out to me declining my claim. Hello Halifax - you have NOT listened to me. I will be back
  14. Sorry about the three similar posts. I would like to delete the first two, and keep the third, as it has the ,most information, but don't know how to.
  15. After discovering that I had PPI attached to an old Halifax mortgage, I put in a claim for miss selling. Today I had a telephone call from the Halifax in connection with another PPI with them that I knew nothing about. I ventured to enquired about my Mortgage PPI claim and they said that a letter was sent out to me on the 12th July 2016 explaining everything. Today is the 25th July 2016 and I have NOT received any such letter. The lady on the phone then read me the contents of the said letter outlining the reasons for the decline of the PPI. The ones that stood out were :- You had NO savings to support your mortgage payments in the event of sickness or redundancy. You needed PPI to cover sickness, redundancy etc. When the aforesaid "sale" took place I had been in my present employment with Royal Mail for 9 years and continued to work for them for a further 10 years until my retirement. (19 years in total). It doesn't take a genius to work out that a letter sent on the 12th of the month does not take 13 days to arrive at its destination even if it was 2nd class. This letter is still to arrive. At the time of the sale I had cover for sickness (6 months full pay, 6 months half pay) redundancy (12 months pay) and also death in service through my Royal Mail Pension. As far as I was concerned I DIDNT need PPI, being covered through my employment. I have the original paperwork in connection with this PPI and in my Personal financial Report it states :- No recommendations nee4ded From the information you gave me it seems you already have plans in place to meet the following or no need in the particular area * Protecting your financial security * Protecting for critical illness over and above the mortgage debt * Saving for the future * Investing your capital I had a secure job with Royal Mail and a statutory pension plan in place for my retirement which included a payment for death in service. Sick pay and redundancy pay. Why did I "NEED" PPI Was the Halifax right to decline my PPI claim. I understand that it was underwritten by Lloyds. Any information greatly accepted. Thank you
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