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  1. I am having a right nightmare with Kensington mortgage company and need some much appreciated help . I had a suspended possession order granted in oct 2007 as I had lost my job at the nhs and my wife business had collapsed the suspended possession order was issued in oct 2007 for my monthly payment plus £50.00 i think i need to dig it out as it was nearly 6 years ago i will post later the exact amount I have been making payments over the last few years to Kensington but also built up massive arrears on my council tax and second secure loan with welcome finance at the
  2. I wonder if someone can help me - Ive got a interest only mortgage with GE MONEY which has been in arrears but OK now. Over last few years have had a few payment arrangements with them and as a result they have added lots of £40.00 admin fees. I think these add to over £2500 throughout my hardship. I just wanted to check that was all above board, seems a bit harsh in times of hardship that they actually made more money out of me. Any advice as always is appeciated!
  3. 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
  4. 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 mortgag
  5. 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.
  6. 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
  7. 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.
  8. 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.
  9. 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 o
  10. 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.
  11. 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
  12. Hi, we have a mortgage with the wonderful and helpful (!) Kensington and we have managed to get into a pickle. Husband has been in and out of work and we had a reposession order suspended last February. Unfortunately, we've got further into a mess and now have a date for reposession on the 22nd January 2008. I have to be honest, it's not the first time we've been in this situation, we had a mortgage with Verso who did the same to us some years ago, but the system has changed since then. Has anyone been in the same situation and does anyone have any helpful advice? Many thanks
  13. 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
  14. 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 p
  15. 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 b
  16. 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
  17. Hi. I seem to be having trouble with the above company with regard to interest rate, increasing monthly payments and charging £50 per month for being in arrears without an agreement. Is there anyone who has had or still has a loan from kensington secured on there house. If so can anyone tell me what the svr was on their loan in March of this year. Also does anyone know whether one can obtain a written statement of kensingtons svr for the last 5 years? Has anyone had their mortgage payment increased even though there was no increase in the interest rate? Has anyone suc
  18. Hi I have pasted a letter that I have written. Basicly I am not sure if this is the norm but my Mortgage company are charging me £50 for each month that i am in arrears. I have currently got an agreement set up with them via a court repo hearing and it turns out that I will apying the arrears for 5 years and the whole time they are charging £50. So I have decided to complain to the FSA for unfair contract terms and if they have a go at Kensington then I can apply to Kensington to stop charging. Well thats the plan anyway. Can somebody look at my letter please and see what you think
  19. Hi there, Is it still possible to claim back excessive mortgage arrears fees that have been added.I plan to SAR,then work out what i have been overcharged by and send letter to claim back. Can i do this??? Cheers
  20. Just some advice on letter received from Kensington solicitors. Kensington are filing for possession. we have 3 missed payments,Sep,Nov,Dec, 2011.. We have made payments for for Jan and Feb and march is due at the end of the month .they state that the arrears are jus little over £2500, but are monthly payments are £670, so does not add up .there are £50 charges for each month un arrears. could these charges be included.. I.am going to.ask them.to drop to interest only but keep the payments the same. this means arrears would clear in
  21. 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
  22. 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 m
  23. Hi, To cut a long story short we had our first possession hearing today (20th) with regards to arrears on our Kensington Mortgage. I had initially asked for a "holiday period" from Kensington and they declined "its not their policy". I asked if I could rent our property back in February, they didn't answer. I have asked if the arrears could be added to the end of the mortgage, they didn't answer. I was eventually sent a court hearing date and we attended, giving the judge all the above information................and told her we are waiting for the return of an MI12 form from the benefits
  24. I took out a second mortgage, secured loan for £6k over 5 years and starting to run into payment problems after about 3 years into the payments. I had other credit issues too, payday loans, credit card arrears and foolishly let the arrears build up on the secured loan too. I now have a real problem as KM have been charging me a 50.00 arrears fee per month plus a 5.00 default fee. They also send out monthly, sometimes quarterly statements, but the amount are very hard to understand as the contractual payments (5 years should have ended last November) and now there should be ar
  25. 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 h
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