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Granty200977

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About Granty200977

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  1. i cant seem to attach it, but been through it again and it looks ok , which letter do I send them now and do I add a copy of the spreadsheet too?
  2. So it works out £2897.39 in charges and £ 2461.22 in interest
  3. It’s taking forever but I’m over £5000 so far
  4. The charges were added when it was with GE Money , Kensington took over it in 2016 What is a reactive fee due / loan reop instalment?
  5. its ok ive sorted it , its going to take me forever haha
  6. i have downloaded the spreadsheet but it keeps telling me its in read only mode ? and I have no idea how to set one up myself
  7. Yeah it’s coming back to me I’ll have a go tomorrow and see what it comes up with , then shall be writing and asking for it back , although I don’t hold out much hope, Kensington were a waste of space when I rang up to query why we owed nearly £5000 more than we originally borrowed , even they didn’t know
  8. Been going through the charges there is nearly £2000 in admin and unpaid DD and £500+ in additional interest charges just need to add up the reactive fee ones, can I claim interest too? I’d put them all into a spreadsheet but have forgotten how to do it , it’s years since I claimed back the bank charges so I have no idea how to do it
  9. I have just received a lifetime statement for our mortgage as I had queries over why when we had an interest only mortgage do we now owe more than £4500 than what we originally borrowed, my thinking was if say we originally borrowed £100000 at the end of the term we would still owe £100000 which they agreed, our mortgage started off with first national, then GE Money then was taken over by Kensington in 2016 . The reason for my query was we have currently sold our house and have negative of around £7000 but should really only have negative equity of around £2400 , this mortgage started in 2006 we did have problems with payments in the early days but there are numerous admin charges of £40 returned DD charges of between £20 and £25 and a field agent visit of £85 and I know we never ever received a field agent visit the one thing that is really puzzling me is the are numerous charges ranging from £1.50 to £23 for a reactive fee due (LRO) reactive fee , additional interest charges ranging from £2 to £9 , there are solicitors fees too but we were taken to court and given a suspended possession order , but there are now no arrears on the account and haven’t been for around 6 years now . Can I reclaim any of these ?
  10. We need to sell our house , as we need to move (health reasons and long story) we have an interest only mortgage which started off with GE and is now Kensington we were sold the mortgage through a broker back in 2006 we were very stupid as we didn’t understand what an interest only was at the time and it was never explained that we would need a policy to pay off the loan at the end of the term , our credit rating was crap and still is really but the house is now in negative equity it will never increase to the prices they once were because of the area if we get asking price then we will be about £7000 short we have no savings and wouldn’t be able to get a loan to clear it , I have contacted Kensington to see 1. If we can actually sell and 2. What happens with the shortfall , they sent out a shortfall pack but at the moment it’s not relevant till we get an offer , then we have to fill in the form with the valuation report and offer and our income and expenditure and offer of repayment of the shortfall, my worry is what happens if the don’t accept the offer of our repayment? Luckily we don’t need another mortgage because we are going to be renting off family but just wondered if anyone else has had a similar experience? We also were taken to court back in 2009 for arrears but we managed to come to an arrangement, and paid most of it back and a small remainder was added on to the mortgage would there be any charges we could claim back?
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