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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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kensington mortgages


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hi olive sorry to hear ur daughter hast been well hope she is making a mead now yes i agree no43 is nasty have u noticed he has keep quite now i think he is one of kensington employee,s . no the man didt turn up so far they did send me another letter stating he will be coming round so i resent the 1st letter again even thro i know they receieved it cos i checked and when they phoned i told the girl if that man turns up ill cal the police and have him removed . and sure kensington for the charges and stress they have caused me but today letter arrived my case is now with there solictors so im off to see mine on monday and then wait for the fireworks to start . im ready for them now i have got over the stressed out bit and now ready to fight with them nasr

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Hi there sorry I havent replkied. It seems my subscribtion isnt emailing me properly. Yes ananya is right(hi ananya) in the costs. Read uop on what the difference is between them first though before you decide what to do. There is loads of advice on here and the templates.

 

Let us know how you get on. I have just got my statements and sent of my requests for the money. If it works it looks like I will be able to clear the debts and have money left over. Cool

 

I am pleased the cccs were able to help you as well.

 

Hi Olive :)

 

Good luck with the claims, I'm about to start my own battle with 2 of our old mortgage companies so we'll have to compare notes :)

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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  • 4 weeks later...

Hi again nascrity.

 

KMC will apply to the court for a hearing to gain possession of the property and you will get a bundle of papers through the post, giving you a hearing date and all the defence documents and claimants documents along with it.

 

When that comes, you will have to file your defence and you will get all the help you need to do that on CAG :)

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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hi last thursday it was passed to there solictors how long does this take before i get the papers have a lady from tth council coming to see me at home tomorrow thanks for u help im grateful too u

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Hi again, I really don't know how long it will take, it will depend on how quick they deal with your case and when the courts can allocate a hearing.

 

I would imagine it will be a couple of weeks or so.

 

When the lady comes from the council, remember to have every bit of relevant paperwork to back you up. Also, don't let them try and say you are making yourself intentionally homeless by being repossessed, I picked up a leaflet from the court explaining your rights when we were there back in January and if you lose your home because you cannot afford the repayments through no fault of your own, such as job loss or illness, then you haven't made yourself intentionally homeless.

 

Anyway, good luck.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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hi annaya thanks for ur reply . i spoke with my solictor last week and she told me she has writen to the council.stating she not will accept i am intentionally homless due to my illness . i have now gained a doctors letter stating what my illness is have given this to the solictor and she said they have no choice but to rehouse me under the condition i have. and yes i have 2 years bank statements showing i could pay the mortgage.even for the 1 st months of my illness cos my husband still had to work . which we had to pay a care agency to come in 3 times a day while my husband was working .under all the pressure of rent rises for the business and me being ill he had to close the business down . and from then onwards we couldnt pay the mortgage . we went on income support and recieved a letter stating . there rulings are they cant pay any interest on the mortgage untill i have bben claiming income support for 39 weeks {sep08 ] which will be too late for me . nasrcity

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Good news with the housing department though, at least they realise they have an obligation to house you adequately.

 

Are you asking to keep hold of the house as you can now make full payments plus an amount towards the arrears? Or are you looking to sell and be rehoused with the council?

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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hi annya i dont have any money left in the house time that kensington have finished with it. and no i cant make any payments on the mortgage due to lack of income so its a council house for us but really im not worried as long as we have a roof over our head and my illness does become any worse . at the end of the day i just want to try and get a near to normal life as poss the house is only bricks and mortar if u u can see what im getting at

regards

nasrcity

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Hi there, good luck with the hearing - I hope you get the result you want. Is your solicitor attending with you?

 

Kind Regards

 

Ell-enn

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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It will depend on what the judge orders.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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hi annya i dont have any money left in the house time that kensington have finished with it. and no i cant make any payments on the mortgage due to lack of income so its a council house for us but really im not worried as long as we have a roof over our head and my illness does become any worse . at the end of the day i just want to try and get a near to normal life as poss the house is only bricks and mortar if u u can see what im getting at

regards

nasrcity

 

Hi again, yes I know what you mean, it is only bricks and mortar after all is said and done.

 

Some time ago, we were told that if the DJ gave possession back to the lender, we could have asked to be allowed to stay in the property while it was sold, whether this would be possible or not, I really don't know but it might be worth asking your solicitor what your options could be.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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You're welcome and good luck for everything.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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hi going to court 20th may as kensington have put in repposession order.did offer to pay 301.00intrest only plus 20.00 per month arreas from 31.may but still took it to court ive been sent some more papers to fill in do i send them back to court or take them with me when i go.not paying no mortgage this month sod them ive been paying 250.00per month what i can afford should of been 413.ooper month.sent in my repossesion order to the council.

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hi sonic im in courton 9th june . i have filled in my pappers and sent them back i have also registered with the local council as my solicotor reckons cos i cant show i can pay anythink back the judge will most likey award in kensington favour but when the council woam come to see me last week the person b4 me was alsop with kensington she said the more i hear abt this company the more i dislike them she told me she has 20 cases all with mortgages with this pratts. oi dont blame u not paying them this month is this the first time that they have taken u to court perhpas we could compere with what they sned and say to us be interesting anyway good luck if u need to talk please do it does help and they are so good on here with there support good luck nasrcity

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Hi Sonic68 and sorry to hear you have the misfortune of being with Kensington too.

 

You need to fill in your defence forms and return them before you go. Also, if you want to keep your house then I would most definitely pay them, no matter how much you don't want to.

 

You would probably do better if you started your own thread so people can advise you separately and you don't hijack someone else's thread :)

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Hi Sonic, yes you do need to send back the defence forms, if you start your own thread I can help you fill the forms in.

 

Kind Regards

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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  • 3 weeks later...

hi got a council house on wednesday which we took put the house on the market on friday would i still have to go to court or will they still reposses and sell at auction or will they give time to sell

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