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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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Kensington Missinformation?????


CMJAG42
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Hi I'm new here and I'd like to say hello to all!!!!

The reason for my visit and subsequent registration:

Kensington Mortgages????????

After reading various threads on these lenders (that word used reluctantly), and there being no shortage of subject matter, I have come to the following conclusions:

1) They are not the mortgage holder, more like a bond holder

2) They instill the impression that they are a major lending house

3) The agreement is not a Mortgage but a (Big!!!!!) Secured loan

4) They use the same Credit/Debt admin people in Skipton as many other companies and no doubt share information which is contraviening the Data Protection Act.

5) They look upon "troubled" people as a meal ticket

6) Their Credit control admin people in Skipton are not governed by the FSA

These are just a few of my findings and my current difficulties with them are confirming exactly what everyone else on here is saying!

Can anyone either confirm or deny my current findings, or if they can add any other snippets of interesting info on this company?

I thank you for reading, and for any other info I may recieve in advance ;)

Chris:)

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Hi Chris and welcome to the CAG community!

 

Ok Kensington, well firstly I would like to say I am a mortgage broker an have used Kensington many many times for some of my clients. and here are my responses to your statements below...

 

Hi I'm new here and I'd like to say hello to all!!!!

 

The reason for my visit and subsequent registration:

 

Kensington Mortgages????????

 

After reading various threads on these lenders (that word used reluctantly), and there being no shortage of subject matter, I have come to the following conclusions:

 

1) They are not the mortgage holder, more like a bond holder

They are a Mortgage Lender - They have the money and lend to people.

 

2) They instill the impression that they are a major lending house

They are pretty big within the non-conforming market, yes

 

3) The agreement is not a Mortgage but a (Big!!!!!) Secured loan

No, it is a mortgage, the higher rate (and I assume that is why you call it a secured loan) is due to your past circumstances or at least it should be. By the way ALL mortgage are secured and hence are secured loans...

 

4) They use the same Credit/Debt admin people in Skipton as many other companies and no doubt share information which is contraviening the Data Protection Act.

Do not know..sorry someone else will tell you

 

5) They look upon "troubled" people as a meal ticket

They are a non confirming lender so yes they make money out of people circumstances. That, however, does not mean they are bad...I got someone a rate of 9% recently...That's an awful interst rate, however, they were going to lose their home and it was the best rate I could get them...Are they a meal ticket to the lender in question? I would argue no they have got a loan that keeps a roof over their head.

 

6) Their Credit control admin people in Skipton are not governed by the FSA

Again I do not know what you are talking about here, but Kensington themselves are most definately authorised by the FSA.

 

 

 

 

Like I said above it really is down to the circumstances and I would not criticise a lender without knowing the full facts. I assume you have greavances with them and I am NOT saying you are wrong...You asked for opinions and I am merely giving you mine...

 

Hope that helps a bit,

 

Penfold

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Hi Penfold,

Thanks for your outlook and opinion, Yes I DO have issues with them and yes my circumstances have dictated using them too!

My grievance is more with their account adminsistrators based in Skipton than with Kensington, but not knowing the full set-up of the company prompted my OP! 'A sprat to catch a mackrel' if you like.

I'd read a post on here stating the above facts so I attempted to glean info from those facts. Thank you, you've at least given me some answers

Regards

Chris:)

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No problems Chris,

 

Please do not get the wrong impression read my other 600 odd posts..I don't like the banks or lenders...I am, however, fair where I can be...

 

Also not everyone working at these places (lenders, banks whatever) have the same customer service attitude so from onwe person to the next at the same place you can often get quite differing answers...Sade really but becoming part of big cooperation normal life these days.

 

Good luck,

 

Penfold

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