Oh gosh Louisk. Don't panic ok. I'm going to be panicing for you. I too will be going through this soon. So I am following your case closely to see how you get on. We realy shouldn't panic though, this is how the well oiled legal system works and it's just the next stage in the process. It's just a bit overwhelming and frightning to the layman (you and I) but we have some awesome helpers on this site guiding us. Keep posting, let us know how your getting on.

I only sent in my Subject Access Request on the 23/11/06 so I'm only just starting out on my quest. I havn't heard anything from them yet. I might send them another letter in a few weeks. If they do try and pay me off to keep quiet I will only take the money if it totals the ammount they owe me. I'm not going to settle for a couple of hundrad pound off them. I think the reason a lot of kensington posts go quiet, is because it takes Kensington so long to reply.

ZootScoot. I have a question. In the last two months I had the house and I was in the process of the sale. I was behind with the payments and they sent a man to my house. He was a financial care consultant. I was renting the house out from 21st May 2005 and this letter was given to the tennants. ------------------------------------------------------------------- Ref: ACAL/MC 17th June 2005 PRIVATE AND CONFIDENTIAL Miss ****** ******** * *** Road, ********, *******, ******, *** ***. Dear Miss *****. Re: Your mortgage with Kensington Mortgage Company The Financial Care Consultancy Limmited has been instructed by your lender to meet with you to discuss the matter of the arrears on your mortgage account. In an effort to assist you with possible financial problems you may be experiencing and agree on a plan of action to bring your account up to date, I called to visit you today and I am sorry you were not available. I will be pleased to revisit you at a convenient time and would therefore ask you to contact me on 079** 279147. I look foreward to hearing from you. Yours Sincearly Mike Chislett Counsellor --------------------------------------------------------------------- My question is this. This Mike Chislett, probarbly met the tennants I was renting the house out too. He probarbly informed Kensington I was renting the house out, which they claimed I was in Febuary but I was not. It was only while the sale went through I rented it out. Will this affect my case, since they will have Mike Chislett to back them up. I diddn't bother following up this visit since I was selling the house anyway.

Catherinebear, Grrrrrrrr!!! Kensington make me angry. Not the "Scream out loud, and hit the wall" type angry, but the "simmering long term" type anger that makes me get down to business. Normaly I procrastinate and bury my head in the sand, mabye that is why I got myself into problems in the first place. But not any more...... I'm getting on to this now! I have printed out the temlplate and I'm typing up my letter! The more I hear other peoples storys, the more angry I get. And yours has to be the worst I've heard yet. Probarbly because you tried to negotiate with them. What's the point,... you get through to some "customer service representitive" who knows nothing and has the power to do nothing, and you cant scream at them because they are useless. I feel for you, I realy do. Bring it on as they say.

Stupid me, I should have clicked on the link on ZootScoots signeture first, all the steps are set out along with all the templates, It all makes sense now.!!! Right, I am going to start with my Subject access request. I think this is the beest place to start. I can see exactly how much I paid them then. Right here I go. This is the start of the claim. Wish me luck. I only hope the fact I was renting out my property for the last two months won't come back to bite me.

Will do. I think I will make that the starting point for my claim! Right here goes the whole process then. Wish me luck.

Hi, I have not sent any ERC's to kensington yet. When I sold my house last year I asked forr a load of litreture, including transactions, statements, redemption penaties. I have about fifty pages of litreture from them which I got when I sold my house. I only started last week thinking about making a claim, and now I'm going through the litreture trying to sort out what they owe me. I have not sent and ERC yet. If you want a template you can click http://www.consumeractiongroup.co.uk...lates-library/ Moneyclaim online click here https://www.moneyclaim.gov.uk/csmco/login.jsp Hope this helps. What I need is a someone to tell me the stages of claims and what letters I need to send.

Ok this is my redemption statement from Kensington mortgages (Skipton) on 31 March 2005 --------------------------------------------------------------------------- Redemption Statement Account number:********* Borrowers name: hulsevictoria Security Adress:***** Redemption Figure The ammount required to redeem this account as at **th April 200* is £58,267.91 Please read the following Statement and the attatched Notes to the redemption statement. Compleation date: **th July 200* Detailed Statement A breakdown of the redemption figure is given below: Starting Balance: £53420.00 Dr Redemption fee: £125.00 Dr Sundry Debits: £118.75 Dr Early Repayment Charge: £3264.29 Dr Interest £3395.67 Dr Total payments: £2055.80 Cr Redemption Figure: £58,267.91 Please see attatched Account number: *********** Note 1. Daily Rate £14.83 2. Early Repayment charge £3,624.29 -------------------------------------------------------------------------- Then it goes on to give me nine notes on the redemption statement and tels me wht the END1 form is all about and what I need to do next. I also have a breakdown of legal fees which I can understand. it is as follows. ----------------------------------------------------------------------- The following is a list of fees that may be incured from any action taken against you. In accordance with the General Mortgage Conditions, any such costs are debbited to your account as arrears Letter before action issued £90.13 HM Land Registry Official Copy Fee £4.00 County Court Fee £30.00 Possesion Hearing Application Fee £323.88 Possesion Hearing Aujourned £30 Possesion Hearing attended £143.00 Possesion Hearing restored £30.00 Warrant application fee £172.25 Warrent re-issued fee £82.25 Warrent cancellation fee £70.50 Solicitors fee to set up your application to suspend warrent £76.38 Agents fee to attend your application to suspend warrent £70.12 Possesion fee £82.25 Possesion cancellation fee £29.38 ----------------------------------------------------------------------- THIS NEVER ACTUALLY GOT TO COURT OK. It did come pretty close. But I'm wondering why they sent it. Then I have a transaction history from 01/12/04 to 28/02/05 which is when they told me the discount period on my interest was up. I asked for this. Ok now my question do I still need to ask them for a breakdown of costs or is the Redemption Statment I gave enough to go ahead with calculating the ammount I want to claim. What is my next step?

Ohh Paddy, I'm going through the (what seems like) hundrads of pages or statements from my mortgage company. I "settled" (and I use that term loosly) with them about 18 months ago. I too am confused by the credit and debit transactions listed on my final statment, Right now I'm trying to go through it and get to the final figure. It must be double entry book keeping or something, I'm having dificulty understanding how they have credited me yet... I have no money?? Anyway I will perservere, just good to know other people have gone through this too, and I'm not on my own.

Hi ellielou what's a MCOL? Trying to get my head round the terminology

Jamorgan, just hearing that I am not the only person who has been taken to the cleaners by Kensington makes me feel a little better. I'm sorry this has happened to you too. They forced me to rent the property out to cover the cost of (I think it was)12% interest. Thats a 6% hike. I cant remember exaclty what the figure was off the top of my head. I know it was double fugures. I'm worried that I might not have a case because I had to rent the house out in the end. It was only for a month or two while I was in the process of selling it. Can they use this against me? I dont know. I remember one month I was £900 in arrears. So I wouldn't get charged a late fee I wanted it in their account straight away. They told me they would only accept cash, since they couldn't gurantee my card payment would go through in time. I got their account number, went down to the bank and put £900 in cash into their account directly. I was so desparate not to get any more charges. jamorgan ...keep in touch seeing as were dealing with the same company. I want to know how you get on. I'm going through the late fees they charged me between 22/07/04 and 01/10/05 its £581.98 showing up in the "Arrears" column. There are 6 columns Date Transaction Expected payment Debits Credits Arrears Balance They have debited £20.00 for the transaction "Returned D/Debit fee" Does this mean they have put money into my account for something? If it means they have taken it out of my account what are the credit payments for? I'm not an accountant but debit and credit mean money in and money out, they cant both mean money out? Sorry I will post them properly in the next few days.

Right. In May 2004 I bought a house. I had a mortgage with Kensington. They initially charged me interest of 6%. I was doing up the house and it needed re-wiring, plastering (a lot of work). During this time I was bedding down in my parents house since my property was unfit to live in. Kensington increased my mortgage from £390 to £550 per month. The claimed I was renting out the property because they had "unreturened mail" from my address. This happened in Febuary. I phoned them to ask why my payments had gone up and they told me it was because I had come to the end of my discount period. I went along with this...untill..... In May one year after I bought the house my payments went up to about £640 per month. I phoned them and they said that I had come to the end of my discount peroid and in Febuary they had increased my mortgage payment because they belived I was renting out my property due to "unretured mail" (This means that they had sent me a letter and I had not responded). Because I was doing the house out I had put all the mail to one side. I was livid. I had finished work on the house but could not afford the payments. I had to rent the house out because I could not manage to raise £640 a month on my own. I then had to sell the house to an investor at a bergin basement price. I would never have sold the house if they haddn't increased the payments. I lost my job in Febuary but still scraped the money together to pay the mortgage company and they were scr*wing me the whole time. I was under the impression that I was at the end of my discount period at this point. I did not have enough money in the bank account one month and it all started from there. Extra charges, late payment fees, penalty fees, I got another job within weeks, but had to pay all these charges on top of the increased mortgage payments. Anyway, I have loads of paperwork from the mortgage company breaking down the costs. In June they were thretening me with court action, I have all the paperwork to prove it. I am currently going through the paperwork breaking down the costs. I need to know what I can claim back and what I cant. I'm going to print the breakdown of costs on this forum in my next post. It's just taking me a bit of time to go through it. I have council tax bills to prove no one was living there, I have bills from the electrician and builders to prove work was being done on the house. The figures I have given are off the top of my head. I have to go through the paperwork to find the exact figures ...and this is a frightening prospect. I paied them what they were asking without question. I dread to think how much they had off me. But I'm going to face up to this now. I have all my statments from my bank to show what's going into and out of my account. I have all the paperwork, now I just need to get down to it!! I'm angry....I LOST MY HOUSE!!!!!!!!!! It's the first time I have even let these emotions come to the surface. Since I was forced to sell my house I've been telling myself it was my fault and I wouldnt let myself dwell on it not for a second. But I am Angry now! I'm going to use this anger constructively. Please bear with me while I get the numbers together for my next post.

Kensington Mortgace Company is who I want to go after. They increased my mortgage payments because of "unreturned mail". They claimed I was renting the property out, I was not! I was doing the property up and it was in a right state for about 6 to 8 months. I have bills to prove I was not renting it out. My interest went up to about 16% and I had to sell because I could not afford the mortgage payments, then they hit me with the redemption charge. Ouch!! About two months before I sold, I did rent it out, (after I compleated the works) since I could not aford the monthly repayments. I had to get the money every month somehow. I then sold it to an investor at a bargin price. Ouch. If they haddn't clobbered me with increased payments I would never have sold the house. I'm going to try and get the charges for late payments returned to me. I don't think I stand to get the redemtion fee back of anything. I feel like the extra interest forced me to sell the house.

I was charged £30 each month I paid my mortgage late. I also got charged £25 every time I was late paying a loan installment with Clynsdale financial services. This happened for about 5 months 30 x 5 = £150 25 x 5 = £125 £275 in total. Phew..that's quite a bit. Can I make a claim to reclaim these charges or does this only work with actual banks? Please advise

Hi. I dont know how to navigate this site too well. I want to ask a question so I'll post here. Sorry if it's off the thread a bit. Can I claim for all the pennalties levied on my by my mortgage company. Or can i only claim from banks?