Hi All, We are seeking to claim back overcharged amounts on our account which go back to 2006 to date. We have made a counterclaim against them and they (Kensington) have come back with the excuse that the amount owed to us is statute barred.we have calculated it runs i tom thousands and I find this hard to believe as I thought that in relation to a mortgage we could claim back excess fees and charges up to 12 years or more , I'm not certain. Can someone throw any light on this matter as if they are correct it could mean many of its victims will never see a penny paid back. Even though the FCA' final warning document states that Kensington would pay back its customers.

Hi We have a mortgage with Kensington and we have statements showing our mortgage to be up to date. Despite this we are now receiving letters saying we have arrears of £229. Initially we were told they had gone over to a new system and it was an error (the first debt letter arrived at the same time as a statement showing payments up to date). After many calls we were told the debt relates to 2009 and that their new system had thrown this up. We were then told they would write off the alleged debt. However, we are still receiving threatening letters. We have made a formal complaint asking for evidence that this money is in fact owed. We did get in to arrears around 2008/9, but since then every payment has been made. We changed our mortgage from interest only to repayment approx. 2 years ago so surely that also constitutes a new agreement? I am really worried this might start affecting our credit history but am refusing to pay without evidence that any money is owed. Every statement for the last 7/8 years shows our account to be up to date. Next week will be 8 weeks since we formally complained so will contact FOS after this but just wanted any advice on the legal position? Many thanks,

Hi I have received a letter re: possession order from Drydensfairfax today (not unexpected) for arrears of £3258. The letter states that the order will become enforceable on 9/10/17 and that a money judgement for £92982 was also obtained. The letter asks that I clear the arrears in full prior to this date . If I am unable to clear the arrears, to forward proposals for clearance of the same within the next 7 days. (I have no way of clearing these arrears). Once the enforcement date had expired they will apply to the court for the issue of a Warrant of Possession. The only way that action will be cancelled is on clearance of the arrears in full. Should it be necessary to apply for enforcement, you will be notified of the time and date of eviction direct from the court. what happens next and what can I do to stop this. Mortgage payments £550, have recently been paying £600 with an additional £50 per week. I cant afford any more than this. Forgot to add that we have previously been in arrears, around 2 years ago, but borrowed money from family to clear it, which we are still paying back. Cant go down this route again

Hi, I was repossessed by Kensington Mortgages in 2008, and the fee's and charges before and during this time were awful. Would it be too late for me to now try and reclaim these fee's as I now have very limited paperwork left? Thanks in advance for any advice.

Hi I was just wondering if I could get some advise please for my mother. I will try to explain best that I can, so here goes, I recently found out that my mother currently has an interest only mortgage of £102k from Accord Mortgages, the problem is that back in 2003 she purchased her council house for £28K in which she had a mortgage of £34k from a company called SPML. Now somewhere in between 2003 and 2006 (when she moved to Accord) her mortgage has obviously tripled in size. Getting information from her about where the money has gone is like getting blood from a stone. The only info I can find is that in Dec 2006 there is completion statement from a solicitor with the following. Capstone Mortgage £77k Kensington Mortgage £20k Money point 2.5k Cheque to her £2k + some fee =£102k As I said my mother is not very forthcoming with info, but from what I can gather she must have had extra amounts put on to her mortgage (which she denies). Is there anyway I can get all the info from previous transactions from Kensington & Capstone so that I can find what the hell has happened. She is absolutely awful with money and has debts with people like Eurodebt and Carbot which I will look into a bit later on. She is now at retirement age and will be homeless soon if she doesn't find the £102k hence the reason for all of this coming out. I would really appreciate any help given, If more info is needed then I can go through all paperwork that I have. Many thanks

Hi all. Today I received a letter detailing my arrears on my mortgage. Now Kensington have recently took over my mortgage from GE Money. GE sent a final letter to us a short while ago showing arrears of around £8000 (bad I know) but now Kensington have sent me a letter (received today) showing : Payment Arrears : £8946 Other : 0 Insurance Related Charges : 0 Fees and Security Related Charges : £4496 Total arrears : £13442 Does anyone know what the hell FEES AND SECURITY RELATED CHARGES are and can they add that much to an already heavy debt/burden? I dont know what this fee is for and they do not explain anywhere as to what is it for? As for as Im concerned, my arrears are £8946 and no more! We are paying are regular monthly payments as normal but trying to add a little extra each month to get the arrears down. Any help would be appreciated. Thanks

Hi all bit of advice please sorry if am posting in wrong place. Can I still reclaim mortgage arrears charges from Kensington? It's from a closed account from 2007 Thanks

I have a 10 year old mortgage that was sold by Compas Finance Broker (which I paid extortionate fees added to the mortgage) that was with GE money and has now been sold to Kensington. I went through a divorce just over 5 years ago and the mortgage was in joint names, in March last year I rang GE and asked for a transfer of equity as I now have my fiance living with me and things move on, during the phone call I went through the income and expenditure and GE cleared me for the T.O.E and sent out the forms. Due to delay of completing the forms due to family health problems the mortgage has been sold on to Kensington, to persue this again I rang Kensington but was told that they didnt do T.O.E's, I had a little rant and dug out the introduction pack id received from them. In the pack it states under terms and conditions that 'there are no changes to your mortgage conditions arising from the transfer' and they also included a Tariff of Fees on kensington headed paper which clearly state 'Change in Circumstances - Transfer of equity £100.00 charge' I put in writting my request for a T.O.E and sent it to kensington to get their official stance. A week later I received a letter acknowledging my complaint ???? they sent out a leaflet that outlined their Complaints procedure that clearly stated that they only accept complaints in writing ???? no complaint had been sent, only a request for the T.O.E I sent back a letter pointing out that I hadnt sent a letter of complaint only a request for the |T.O.E, I received a response 'that they can confirm that the option to remove a borrower from the mortgage account is not available'. Now the problem is that GE went through the Income and expenditure and sent me the forms for the transfer but yet kensington state there there is no option on the mortgage to transfer.. Despite them sending me the list of fees that include transfer and no changes to the origional contract with GE. I have SAR'd GE and have proof that they went through the I&E and sent me the forms and the terms and conditions of the mortgage are very vague and brief. can this be considered a breach of contract?? Also I state that it was 10 years since the sale of the mortgage but can the broker fees been reclaimed so far back that Compas finance broker recommended we take out this mortgage and not recommending a particular mortgage for your consideration (long shot I know regarding the limitation act) Hadituptohere

Hi. Just looking for advice on the state of play over unfair charges applied to my accounts. Still got 12 years to run on a mortgage with SPML. if i send an SAR letter is it like poking a sleeping bear. I have £1400 in arrears with them and on a repayment plan which i am keeping up with. Can they put the strong arm on me to pay all the arrears and when i can't start proceedings. What are the chances of success of getting back any charges or should i accept my fate and carry on paying till the end and stay quiet. My Kensington remortgage was finished in Jan 16(woohoo!!!). There are charges that have been applied to this account so what ,again, are the chances of success with this company with it being a closed account. My Welcome loan is due to finish in May 16. There are charges and maybe PPI with these people. Again is the a chance of success of getting these charges back in full or as they say " Keep Calm and Carry on" 7 years ago i was in such a financial mess even i wasn't sure what I owed to who. Today the only outstanding debt is the mortgage and 4 payments to welcome. Paid off credit cards, Remortgage, and car. Light at the end of the tunnel. Any advice would be most welcome, Tommy

Hi everyone , I have revived a letter today from GE Money Home lending ,,informing me that my mortgage as sold to Kensington ,does anyone know the reason as to way.

Hi, I hope this is coherent and someone will be able to help with some advice that I can pass on. Sorry if it gets complicated! my aunt has a mortgage with the infamous Kensington mortgage company, but fell into arrears whilst seriously ill abroad with Breast Cancer and then secondary complication of Tuberculosis, Kensington were aware of her illness. Long story short an Eviction was scheduled. A month before the pending eviction when aunt was informed, she made contact with kensington and sent Income and expenditure form, a proposed repayment plan, and proof that she was indeed ill abroad in hospital (2 medical certificates). This group of documentation was sent on 3 separate occasions, when she called Kensington from her hospital to confirm their receivership, they would ask her to send it again, claiming they didn't receive one of the documents. During this time she made 3 separate payments to pay the arrears of about £3000, clearing half of the arrears. After continuous phone conversations with Kensington, they had finally confirmed that they had received the documents after she complained that she had sent them multiple times and had proof of this, they informed her that they were satisfied with the documents, and proposed repayment plan and would meet with the management team to discuss and come to a decision and inform her of this. Aunt phoned Kensington the day before the eviction and they still hadn't come to a decision, so asked her to call the next day. (Eviction scheduled for 11am) Now on the next day, she called as soon as the call centre opened and finally got through to an adviser around 10am who informed her that they had decided the only way to cancel the scheduled eviction was for her to pay one monthly instalment + the proposed monthly £100 to clear the arrears before 11 from her own UK bank account. (Previous payments whilst she was ill were either from her daughters account, which she informed Kensington of, or paid into Kensington's account through the bank counter). So aunt's bank account has to reactivate her bank account which was dormant due to her being ill out of the country for so long, transfer her funds into that account, and money was paid into Kensington's account at 10:40am. They claim that it reached their account at 20 past 11. Now her son drove to the property around 10:55 and saw that the bailiffs were already there before 11am and front door was open. Kensington released the telephone attendance note from their solicitor to the bailiff, which is timed at 10:45 AM, and says- "He said they are already there and they have looked at the property and there doesn't seem to be any response from anyone inside. He said they have looked inside and borrower may be a hoarder. He said they went to the back of the property and it is filled with rubbish from top to bottom. He said they will go inside and see what happens but said it might be difficult to get inside as he suspects the door may be blocked (due to hoarding) but will let us know what happens" A few notes about the house, it's fitted with curtains curtains at every window, so anything on the inside is not visible from the outside. Property has a garden gate, with back entrance to house (conservatory), Conservatory is used as a storage room so contains multiple boxes and bags, however has floor to ceiling windows so anything inside couldn't be seen from outside. you'd have to be inside the house to see what was inside. Is there anything that can be done with regard to the bailiffs entering the property earlier than 11am, or even breaking open the gate and entering the garden before 11am (i.e. trespassing?) Also in regard to Kensington only deciding to inform my aunt of the payment to cancel the eviction 1 hour before the scheduled eviction, can anything be done about that? Is that an oppressive act? She is planning to apply to the court for a re-entry Sorry if this is in the wrong forum. If anyone has any advice please help, I feel terrible for her as she has been so severely sick and we're trying to assist her as best we can, so would be very grateful for any advice anyone can give.

Hi, I really hope someone can help. I took out a secured loan with Kensington mortgages back in 2005 and struggled to keep up on the payments. In 2009 I defaulted on my house and it was repossessed , there was a shortfall in the selling price of the house , my current mortgage lender stated that they would not chase the debt . The issue now sits with Kensington mortgage, the house was sold in 2009 and Kensington have not defaulted the debt but keep submitting 6s on my credit file, I have a feeling that it was around 2006/7 that I fell behind on my payments but the debt never defaulted. Kensington have not once written to me, even though they know my address. I really am not sure of my next move, I am aware that the limitations act works differently with a secured loan . But I really would like to know how the limitations act works and what I should do with the fact that they will not default the debt?

We are approx. 4 months behind on my mortgage payments to Kensington due to my OH being unemployed for quite sometime. He is now in full time employment and we are in a position to pay some money off the arrears (£200 per month). Today however we received a letter from NCI who called to the house whilst we were both in work, asking us to contact him directly on a mobile number within 48 hours to arrange another appointment. I need some advice please. Firstly what is the best address to write to (Kensington) to offer the extra payments via a payment book or through bank, I am not prepared to talk to them on the phone. Also some advice to get this field rep off our backs. Many thanks

morning Firstly I have mental health issues, I was on DLA full rate care and mobility until around 2 years ago when it all stopped suddenly I went to court to appeal but lost the appeal I am in the ESA support group. I have been seeing a mental health worker for a few months during which time my arrears have built up. i don't open mail and can't cope basically i owe just shy of 80,000 to Kensington, I have a court order in place from 2011 which stated I have to pay £9 per month off my arrears since march I haven't managed to keep to this the DWP pay £155.44, per month expected payment £200.20 £9 off arrears court order i was upto date although in arrears if you see what I mean til march/april as an idea i was 969 in arrears 01 01 2010 i reduced this to £321 at its lowest in feb of this year but has now crept up to £591 they have charged me £50 per month monthly arrears fee they charged me £60 for a field agent who knocked on my door unannounced but I cancelled the 2nd visit they have charged almost £2000 court fees and solicitors costs between 2011 and 2012 what can I do I feel I can't fight any more the hassle they give me when I ring and the way they are so argumentative puts me off ringing to sort things out I feel suicidal right now because of this The council have sent a letter giving me the names of 2 solicitors Where do I go from here court hearing 2pm monday I actually don't have a penny so can't make a payment my income is £162 per week from this £19.45 deductions for gas £21.65 for electricity £38.86 for housing costs which forms the DWP payment £8.70 for water I have £130 every 2 weeks to live on I am single thanks and any advice on where to turn to would be greatly received

Hi all, Glad to be here. I'm a long time browser and a new user. This forum has gave me great ideas in the past and I have helped my friends by reading advice on here. Now for my story. I have been with Kensington Finance for over 5 years. I was aware of free ones but thought that it was too much hassle as my debts were surrounding me. I was not thinking clearly and wanted a quick way out. In fact, I got referred to them by someone I knew. He said that they are good, no hassles blah, blah blah. Like a naive person, I arranged a DMP with them. They put me on a DMP on £90 a month (£49 paid to 3 creditors and £41 for their 'management' fees). I agreed and forgot about them. Currently I don't work. Ironically I'm studying to become an accountant. lol. Before I was working with computers and did a degree in Multimedia systems. Just last week, I got a wake up call from one DMP company. Someone called me up and managed to obtain my credit history. She told me that I have £8500 debt (with 3 creditors), which will take me about 12 years to pay off on my current plan, and was trying to sell me an IVA. I simply told her that I'm not working and therefore I probably won't be eligible. I simply put the phone down. I wanted to check how much debt I had left. Originally I had just under £11,000 debt and it doesn't take long to work out that only £2,500 has been paid off so far. Since that time I have paid Kensington Finance £2460 (£41 x 12 months x 5 years) in management fees which could have easily been paid towards the debts if I went for the free one. After that call, I called up StepChange and decided to go with them. They phoned me on Monday 02 June and set up a DMP with me. They worked out that £102 a month is reasonable for me and I should be debt free in 6 years 4 months, if my situation don't change. Today I phoned up Kensington Finance to cancel and explained my reasons why. They said that we will only charge you £10 in management fees. They also said that changing the DMP over to StepChange might cause bother to creditors and they might hassle you again so stick with us. Under the new plan it will take you 6 years 9 months to be debt free in my current situation. So what I want to know is that if any body had problems changing over? Will it cause problems with the creditors and for me? Should I stick with Kensington Finance as they have my details or send the paperwork back to Stepchange to get the DMP started? Sorry for long post. Any other advise gladly welcomed.

We had a mortgage with Kensington until we remortgaged in around 2004, before sending off a SAR could someone confirm the 12 year rule, i.e. Can we only claim the charges in the last 12 years? or Do we have up to 12 years to claim the charges for x amount of years before the account was closed in or around 2004? Can anyone enlighten me or point me in the right direction?

Please could someone advise me if at this late stage there is still sufficient time to submit an N244 to try and prevent a repossession that is scheduled for Monday 9th June at 10.15pm. The earliest I could get to the court would be Monday morning which I'm assuming wouldn't give them sufficient time to schedule a hearing. I've tried to negotiate with Kensington (they're enforcing a suspended possession order) but they've told me that the affordability isn't the issue, they just don't think I'll keep to any new arrangement. Thanks

I have a joint mortgage with Kensington (we went with non high street as my wife had an old default from a mobile phone company when someone stole her phone to call Nigeria and she negotiated a reduced amount to pay with the company and ended up with a default without being told she would by negotiating the reduced amount. .. but that's another story). we have been in the house for 6 months, no problems with payments or anything like that. One of our original mortgage conditions when we purchased the house was: "The Borrower(s) undertake to carry out the following works: upgrade the electrical system (and to promptly lodge any relevant guarantees with us) within 6 months of Completion of the loan. Written confirmation of this undertaking signed by all Borrower(s) must be forwarded to Kensington prior to formal completion. Failure to carry out the relevant works may adversely affect your insurance cover and any future claims you may make under your policy." We had to get an survey done before moving into the house which we got done, and a quote from the company doing the survey for the work. Both of these were forwarded to the mortgage company along with an undertaking that we signed at the solicitors. (I don't know what the wording of the undertaking was as the solicitor is closed today and they didn't give us a copy of that, but I could find out on Monday). The survey found several problems and the quote to have it all sorted was £1500. We saved the money to pay for the work and got it booked with the company who did the survey. The company was booked to do the work about 2 weeks before the 6 months post completion. 6 months post completion passes today. The company booked to do the work rang us up 2 days before they were due to come and do the work to cancel, saying they had got a big contract that they couldn't turn down and they wouldn't have any time to come do our work and couldn't recommend anyone else. I had a look around, found a few electricians with good reviews and got a couple of them to come have a look. They have told me that the original company who we got the survey done with were completely ripping us off. There are a couple of points on the survey that would need sorting but they were all minor points that would take no more than 1/2 a day and £100 or so. All of the technical test results in the survey show the system is fine and completely safe. Even the minor things that were listed on the survey should not have been listed on the survey as dangerous as they were by the original company. Some of the items listed are completely made up, or the work recommended is actually done already when inspected! So that leaves us now in the position of having to talk to the mortgage company and work out what to do. Unfortunately they are closed today so I will have to speak to them on Monday. However, from our dealings with them up until completion they proved a VERY awkward company to deal with, and I have no confidence that this is going to be as easy to fix as it should be. One option I was thinking of was to get another survey report from one of the electricians I have had come look at the work, get those little bits of work done that do need doing and see if Kensington will be happy with a new report stating no further work is required and the installation is all safe. That would cost me about £200 as opposed to the £1500 originally quoted. I'm not entirely sure where I stand on these special conditions. What rights do the mortgage company have if we don't meet a condition such as that one or they want to be awkward about it and make out we haven't met it? We don't have insurance with Kensington, we have separate buildings and contents insurance so I can't see how that caveat about insurance works. Are there any other solutions anyone can think of? I do actually have the money to spend £1500 if it comes to it, but it seems outrageous that I will have to do it to please the mortgage company when it is completely unnecessary work and all based on a company's report that decided to rip us off!

hi all went to the chelsea v psg game tuesday evening parked my car in a parking bay paid the pay and display which was £3.50 per hour [ machine took £ 4 no change given } at 17.20 pm can park for free after 18-30 pm it said i thought it took the 50p extra returned to my vehicle at 18.20 to make put match programme in the vehicle and a warden was there i walked to the ticket machine as i wanted to check the times of the parking which says free after 18-30 and to my dismay the warden had written a ticket out and stuck it on my car saying contravention at 18.29 ..one minute before free parking can i appeal have i any rights

morning all i think im going to claim against kensington on behalf of my two sis in laws one of whom lost her home and is now in rented although she didnt keep up with payments (split up with partner) and they repossessed her home she hasnt even got any paperwork from the repossession etc but i KNOW there will be loads of charges there also other sis in law who is being hammered by £50 charges often what i find is strange is the fact that in the last week i have rang one has said she is in line with the court order imposed at £9 per month above the contractual £199.99 per month and the other said she is in arrears to the tune of £400+ she was on a payment plan although in default according to phone call 2 she was in default according to number 1 however when i asked in line with the court order they said in default by 40p so we promptly paid £1 on her credit file last time she defaulted was may they just tried to add councellor fees on but i cancelled this she has recently been treated for mental health issues and has been told to get letter from gp which we have requested and will forward a copy to them in the first instance i am going to sar on behalf of the two SIL's wish me luck i will update as we go along here

My son got himself into difficulties and set up a Debt Management Plan with Kensington Financial Management Consultants, or so he thought. He lives in another Country from me so I have to send all of his mail to him. He now has a CCJ against him from a Company called Close Bros Military Services. According to them, he has not been paying them any money and they do not have a Debt Management Plan with Kensington. I contacted Kensington as I now have authority to discuss my son's account with them. They informed me that they have been receiving money from my son regularly and have been sending it to Close Premium Finance with a slightly different Ref No. I informed them that this is the wrong Company and a slightly different Ref No. Kensington have said that they would reclaim the money sent to the wrong company and send it to the correct company after setting up a fresh DMP. They have also promised to look into the matter and inform me what went wrong. Now, I feel that if Kensington have messed up big time, they should offer some kind of compensation for the damage and inconvenience caused by their mistake. As my son uses my address for his correspondence, his CCJ may affect my credit rating as well as his own, as my son may now be connected to me. How would I go about claiming damages from Kensington? Also, can I have the CCJ removed from the Credit Reference Agencies as it was not my son's fault?

Hi, wonder if anyone can help me. Received a letter from Kensington that they're going to start possession proceedings for arrears on our mortgage. We currently owe them £11,087 made up as follows: 2010: £2,296, 2011:£6,186. 2012:£186 and 2013:£2418. We have been in contact with them and have had arrangements with them to pay the contractual amount plus an additional £150.00 a month. In 2012 we managed to maintain that as well as in 2013. The arrangement we had with them was being reviewed on a quarterly basis and in November it was agreed that we would pay an additional amount of £190.00 to be reviewed in April 2014. Due to a death in the family we ere unable to make the November payment and on the back of this we have now received this letter for court proceedings from them. We have now made the monthly payment for November and December and also written to them letting them know that we will pay the additional £380.00 in January. We've also asked them if its possible for us to resume with the arrangement made in November and avoid going to court. We have not heard from them nor received a court date, but this could be due to the Christmas holidays. The arrears amount is now £8,624 which is pretty much relates to 2010 and 2011. We're really worried that they will not let us continue with the arrangement and we'll have to go to court. We have kept in regular contact with them over the years and have always tried to maintain whatever payments they've asked from us. We would really appreciate any help or advise you can offer in how we should now approach them. We still have a long way to go on our mortgage and on the current amount they were asking for would take us approx 4 years to clear. Please any help would be greatly appreciated

Hi, I took out a mortgage with Kensington in 2004 (I have since re-mortgaged with another lender). I was going through some paperwork and found a pile of SAR documents from Kensington which I obtained when reclaiming arrears fees. I've just noticed on one of the documents that Kensington paid £1350 to the broker who arranged the mortgage which I did know about. Can I claim this back as an undisclosed commission?

Hi, My mother has a difficult and complicated problem with Kensington. I have only just found this forum and reading the experiences people have had with this company has got me very worried. My sister died at the end of last year. She and my mother have been resident in the property for almost thirty years. The property was in my sister’s sole name and it was left to my mother in my sister’s will. My mother holds the Grant of Probate and is administering the estate (which has no value apart from the property). My sister’s main mortgage was with GE Money, but following some financial difficulties she took out a fixed sum loan with Kensington in 2006 which was secured against the property. Until my sister’s death the payments were kept up to date, but no payments have been made since then. My mother has negotiated with GE Money and they are prepared to let her stay in the property as long as she keeps up the ongoing mortgage payments to them, which she has done. The first mortgage with GE has around £190,000 outstanding and the loan from Kensington was for £24,000. In July my mother received a letter from Kensington saying that they were commencing possession proceedings. Since then, she has had no communication from Kensington or their solicitors although she has received an account statement for August which includes fees for a solicitor’s letter, solicitor’s fees and court fees. Since my sister’s death Kensington have been adding a monthly arrears fee of £50 per month to the account which now has £26,000 outstanding. My mother wrote to Kensington last week asking why the court charges and solicitor’s fees were added to the statement as we had had no communication from either and asking for a complete transaction statement for the account. She also asked them to provide a full and detailed explanation of how they calculate their arrears fee. Today she received a letter from Kensington which answered none of the above queries and simply asked if she intended to sell the house and that they were entitled to charge arrears fees. The property is in a poor state of repair and has been converted for a disabled person (my sister was tetraplegic). We doubt that its sale would even cover the outstanding amount owed to GE Money, so Kensington are unlikely to recover anything from the possession. My mother is 76 years old and is terrified that she is going to lose her home, so if anybody here on the forum could offer any advice it would be much appreciated. Thank you.

Hi, I am new to this so please bare with me if this is the wrong place to post. I am looking at a debt problem on behalf of my girlfriend who needed a hand. Upon looking at it I can see that she is using Kensington Finance and one of their debt management plans. Upon review I can see that they are charging a huge fee each month which obviously will slow down the process of paying off the debt. I wondered what options were available to me/her. I would ideally like to pay as little (if anything). I have noticed some places like Payplan or CCCS don't charge but really am an amateur here. Can someone give me some advice with regards to the fees? Thanks a lot!