Kensington want to evict us again !!!

[OLIVE.FAMILY]

Right I have decided to take the money KMc have offered as I am surprised I got offered that much. Like Isaid earlier there is no way I can put a price on all that I had felt at the time and still do actually feel so because of that it will always be hard to accept anything they offer. I also have decided not to persue the court. At the end of the day the Bailiff did not knock on the door and life is full of ifs,buts and maybes. Kensington have not seen the last of me as the FOS are dealing with a complaint about them for me as well and it does have the potential to be quite big.

 

I need now to carry on dealing with my other creditors as each timeI try kensington take me away from it. I now need to try a bit of roll reversal and take some of the other creditors to court. As this is all new to me(its usually me being taken to court)it is going to take a some concentration.

 

I woud like again to thank all of you for all that you have done and I hope people will learn from my experiences. I know that i will be certainly putting my experiences to good use and hopefully now be able to offer some sort of guidance and support to others

 

Good luck and thankyou.

 

olives xxxx

 

olives xx

[Bona]

Some times you just have to cut your losses and follow other avenues I now how you feel about persueing Kensington its a pittance but will you ever get any more when you write and accept you could ask for £250

[OLIVE.FAMILY]

I could we will see. Like I said I will close this complaint but it is a case of round 1 to the olives just awaiting the results of round 2.

 

Just thought though will they give me the cheque or deduct it from the arrears. mmmmmmm

 

olives xx

[Ell-enn]

You want it in a cheque hun, it's for personal compensation for distress.

 

Go get the other creditors - and good luck.

 

You know we're all behind you.

 

Kind Regards

 

Ell-enn

[OLIVE.FAMILY]

Thankyou Ell

 

xx

[cat100]

Hi Olive Family

I would have gone for more money,this was their opening offer.

Surely it would be nice to inflict a bit of pain to them for a change,after all they have caused enough for you.

cat100 x

[honey5]

This response is in accordance with our Customer Complaints Procedure. If you are disapointed with our decision and you wish to discuss our reponse in more detail, please do not hesitate to contact me. We welcome the oppourtunity to review the matter further before you consider referring your concerns to the Financial Ombudsman Service."

 

 

think id be hitting them a little harder too

 

best of luck olives xxx

 

honey x

[OLIVE.FAMILY]

It is tempting honey but like i said I just wouldnt know how much would be an acceptable amount unless of course they would wipe out the several thousand in arrears but I havent seen any pigs flying about here lately:)

 

olives xx

[cat100]

Olives, you are in the driving seat here,write back and say you feel that amount is an insult and would expect a better offer for you hardship.

What have you got to lose,nothing!

[OLIVE.FAMILY]

Yes I should really go for a higher amount. What would you guys see as an acceptable offer then. I will have to come to an agreement eventually

 

xx

[The GodMother]

i know this is cheeky but

 

to clear all debt u owe them, as in the mortaga and the arrears.

[OLIVE.FAMILY]

OMG now wouldnt that be great.

 

I would love to be a fly on the wall for when they open that letter

 

xxxx

[The GodMother]

IMHO it is only reasonable as they have put unacceptable amounts of stress and hassel on to your family since all this started and then the reposetion order for u actually paying them is stupid.

 

Maybe it could bee a good starting figure and then they could come to a reasonable offer from there.

 

My other idea is clearing the mortgage, arrears then compo on top and the compo on top being sommetin like 10k

[OLIVE.FAMILY]

Yes you are correct again GM. KMC have been causing my family grief now for 2 years. It is there fault that we are in arrears because they told us we didint have PPI on a secured loan we also have with them when we in fact did have it. We found this out 18 months too late and guess what they did not want to know.

 

This is why i was so very surprised that they offered money. Thinking about it though. I complained to the Skipton office which is just the little people.

This complaint went to head Office cheif exec so maybe they do not know about my other complaint. So I could say something along the lines of

 

" I am not wiling to accept this offer as I feel that i have been let down by KMC on too many occasions now. I feel if it had not been for KMC mis advising me in the first place when I needed them the most then I would not be in this position. "

 

Its a start. Like I said before I am pants at letters

 

xx

[OLIVE.FAMILY]

Hi did the CAG crash or what. I havent been able to get on here since my last post near on 2 hours ago

 

xx

[cat100]

I wouldn't put any figure in at the moment,inform them of the grief etc this has caused.Lay it on thick. Also hint of bad publicity never goes a miss.Give them an idea of what you are looking for, not figures ie sizeable amount of compensation against your arrears.

Send to head office.

[OLIVE.FAMILY]

OOOOOOOOO. Getting nervous and excited all over again. I thought this thread was over after court. You are giving me lots to think about. Anybody got a good letter????

 

olives xx

[cat100]

No need to be nervous Olive, excited yes, as you are the hunter this time,not the hunted.

[OLIVE.FAMILY]

Thankyou Cat for the encouragement. I feel like a boxer getting ready to jump in the ring. You are so very right though. Help we hav turned Cat into a mortgage monster He He He:D

[Bona]

Olive

 

Unfortunatley the courts dont award very much for distress they have offered £200 I would ask them for £1000, they will come back with £300 you go to £800 and see what happens thats what we have done in the past

[Ell-enn]

Hi there, just a suggestion for your letter:

 

Your Reference: XXXXX

 

Dear Sirs,

 

Thank you for your letter of XXdateXX in response to my complaint of XXdateXXX.

 

While we appreciate your prompt response and offer of compensation, we do feel you have perhaps underestimated the distress the incident in question caused our family. To be told that you have less than an hour to move out of your home when you have the welfare of two medically dependant children to consider can, I'm sure, only be imagined by yourselves.

 

Following the event Mrs Olive was so distressed that for some days after could not sleep and had to consult the family doctor who was horrified to hear of the situation. The children also suffered as a result of the anxiety and stress experienced by Mrs Olive at the time of the telephone call. This has left them unsettled, requiring considerable emotional support and further exacerbating their medical conditions.

 

The stress caused to Mr Olive, who has only this year recovered from (illness - state what it was), and who had to leave his job and make a 2 hour journey home, not knowing whether he had a home to come back to, was indescribable.

 

We note your request that you be given the oppportunity to review the matter further before we consider referral to the Financial Ombudsman Service and therefore we trust you will now be able to review your offer to reflect more accurately the level of distress our family endured. Having taken advice we believe the sum of £2,000 would be more appropriate.

 

I look forward to hearing from you,

 

Yours sincerely,

 

 

 

XXXX

 

 

Howzat?

 

Ellx

[Bona]

Great letter Ell

[FunkyFox]

Great letter Ellen.

 

Not for a minute to dilute or trivialise the actual effects of what happened on all of The Olives but perhaps you should emphasise the actual effects of the sudden unexpected stress on ALL the members of your family including your children (if I remember correctly they were present at the time you took the call?). It is not an exageration to suggest that in vunerable people that level of shock and sudden onset stress can have devistating effect (even fatal in people with underlying conditions). Also the long term effects can be very serious and some form of post traumatic stress is enevitable in situations like these (nightmares, sudden recall of the events, feelings of anxiety and insecurity, worrying that is going to happen again etc etc) all of which can last a very long time and require counselling etc.

 

I really think they should be left under any illusion the devestating effect this has had (and is having) on your family. I can only go by what I think it would have felt like and the word unimmaginable springs to mind.

 

This was TOTALLY avoidable and the responsibility is theirs and theirs alone. Make them pay.

 

Good Luck/!

[mich7k]

Hi Olive family Hope ur well i have been reading this post like it was an episode of a soap!

I hope you get it sorted and your complaint is settled and the arrears a clear im praying for guys that you will be successful keep smiling

[The GodMother]

ok maybe i was a bit high for how much they should give u in compo but i think it was a good starting figure.

 

u could always come down to the arrears plus a bit more