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Andrea51

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  1. Hi Ell-enn Sent you the rough copy of the budget sheet need to it put all together later today. Andrea 51
  2. HI Ell-enn Sorry not been available up the hospital with my daughter in ICU she is poorly. My blood pressure due to stress of everything is 210/105 been in coronary myself,not good. Kensington phoned me Friday afternoon and wanted to do a budget sheet over the phone said I could not do that at the time as had to rush to hospital and was meant to call today its already to send to them. Discharged myself this afternoon as really need to get the defense in to the court and talk to Kensington. Should I ? As well have as site meeting with solicitor tomorrow regarding my accident and a job interview Wednesday. Am sending you a copy of the letter Kensington sent to my solicitor and copies of the budget sheet I have prepared. Do I also need to prove my partner's earning's which I can do. I do nt know if Kensington watch this forum so I will ask another question be email. I really do not know if I can survive till next week. Really trying hard to keep it together for the family. Andrea 51
  3. Hi Ell-enn Have not been here and not dealt with this to much as no computer and sadly my daughter lost the baby she was expecting (7 months) When do I have to hand in my defense? Do I write to Kensington as well before court date with budget sheet and offer to pay monthly sum to clear arrears. Sorry still very shell shocked and seem to have lost all reasonable thinking at the moment but really need to get moving on this. Kensington replied to my solicitor with a budget sheet and said to prove I can make payments. Have a site meeting next week with solicitor and insurance company regarding my accident claim. Your help and guidance would really be much appreciated. Andrea51
  4. Hi Ell-Enn Have sent you a copy of the solicitors letter for your perusal. Any comments would be great. Andrea51
  5. Hi Ell-nn Sorry the letter is from my solicitor handling my accident claim. They are an old established firm and the solicitor herself has had a large amount of experience in handling claims in London. They are quietly confident in my claim.To be truthful not sure if the letter will help or hinder. Will send you a copy.
  6. Hi Ell-nn It states on the paperwork Notice of Commencement of Possesion Proceedings. So new claim ? On the paperwork from the previous hearing General Form of Judgement or Order It is Ordered that Adjourned genarally and the claim be struck out if no request to restore received by 5.1.2011 I now have a copy of the letter the solicitor is sending to the mortgage company. I also have a copy of the statements from Kensington showing that I made all the payments as promised before. To be honest unsure what to write at the moment. Could I please send it to you for your persual before I actually send it ? A51
  7. Hi Please I was wondering if you could help and advise regarding a court hearing on 27th August. Kensington have applied for a repossession order I am embarrassed to say this will be the 2nd time but due to a situation of circumstances and my fault to a certain extent. My last hearing was the 5th January 2010 for arrears of £5247.17 the court agreed that I could pay the arrears of at £85 per week this was meant to be for 51 weeks. This has been paid. Checking all the sheets Kensington have given me and confused over some of their figures. My arrears at the end of May 2012 were down to £1119.62 which included a missed payment from January 2012 £856.69 due to fraud on my bank account. Was unable to make up the payment but continued to make payments to clear the arrears. Admittedly missed some arrears payments but mortgage was paid. June 22nd I had an accident was off sick and the June 2012 payment was not made. In January 2013 had an operation and was off sick for three months. The pain was horrendous. Missed January mortgage but paid two months in February plus made payments off arrears. Missed March paid £150 off arrears. Paid April plus £102.26 off arrears. Paid May plus £237.26 off arrears. No June as went back to work 8th April but lost my job 15th May due to business downturn and my sickness record. I have really tried and kept Kensington informed all along. I did say to Kensington that once I was back at work my pension payments would be going to clear my arrears. Applying for jobs like mad. My arrears Kensington say are £3905. if I can pay £900 by the court date 27th August then 40 weeks at £75 then I could clear the arrears. My accident claim against the council is being handled by a local solicitor not a claims company and she is going to write to Kensington. After the site visit of the accident and liability is confirmed an interim payment will be requested to pay my arrears. My solicitor thinks I have a strong case. Kensington have been applying the £50 monthly arrears fee which totals £2685. I have read on this site about claiming them back. They have put up my monthly payment from £882.74 to £920.48 due to my account status. Helping people in difficulties Oh yea !!! I have 3 years 2 months left on my mortgage. I have my Pension £600 per month and my partner is self employed but sub contracts for a very good company and will make up my payments and pay the weekly payment. Proof of his earnings available. The worry of all this is making me sick everyday along with all my pain killers and only 4 hours sleep at night not very good at the mo. Please can any one help an advise. I would grateful. Andrea51
  8. HMRC stat demand issued to my partner despite paying weekly £175. Since November 2007 paid nearly £20000 and still say he owes £11500 !!! His tax liability has been £4500 per year for the last three years. He also has vat arrears. Been tryin to get his sorted out even they admit they cannot understand how payments have been apportioned. They have already rejected a payment plan. Accountant now trying hard to get them to except a payment plan while waiting for PPI reclaim money to be settled via the FOS and Lloyds TSB/ also trying to arrange a remortgage as he has plenty of equity in his house. Contacted a tax expert and he admits the tax is a real mess but at £150 per hour very costly to get this sorted out. Not sure if i need to get a solicitor to do a set aside again more costs.Or do we do the set aside ourselves ? Its all such a nightmare can't sleep or eat at the moment. What do i do ?
  9. What a horrendous time you've had with RBS. In view of todays annoucement about RBS and the number of complaints against them can you not take if further with the FSA ? Surely they are guilty of excessive charges. Andrea
  10. Hi I to have a Lloyds TSB Business account since 1997 and have about £6000 in charges to reclaim. Not sure how to go about it and if i'm brave enough. Had enough of Lloyds Andrea
  11. Hi Photoman Just read your reply to Ibys. Very interesting, been looking for details of reclaiming business charges £6500 and found this forum its cracking !. Last year agreed with my bus. manager to repay half my overdraft £3500 and the balance of the same amount 6 months later in November 2008. Have a letter from him agreeing to this. O/D renewal date 31st March 08. Had a letter 27th March wanted the o/d repayed all of it by 31st March. Cut a long story short regarding phone calls etc including threatning to close my business accoount , the bank (lloyds) arranged to restructure my then secured business loan, overdraft and personal loan to a complete new loan to come out of my personal account. Told them i only had 5 months on my personal loan to pay and not to include it and as i could pay it off if i was'nt using the money to pay off half the o/draft . No it had to be done that day Monday 31st March so somebody brought it round to my house at 10 th 7 in the evening when i had finished work. Tried to cancel it the next morning as the loan £603 included ppi of £177. Was told could,nt cancel as the loan would be restructed to an APR of 22 % and would be £700 per month this was on April 1st ( i know) at 8.50 in the morning. Sorry its a tad long but feel very bullied by them. At the moment trying to cancel the ppi again and on speaking to the loan department they agree the loan has been misold and have asked me which branch was it and did i have names Oh yes i certainly do. They have told me to go to the FOS but just waiting for the wheels of progress as they are still looking at it. So now going for everything loan ppi's and bank charges. Andrea
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