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    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
    • Yes it doesn't work HB  In Wales someone needed a test on a Sunday, the testing station at Llandudno Hospital was closed, so they could either go to Manchester, 75 miles, or Cardiff 200 miles and a 10 hour round trip.   But as Manchester is England no guarantee on getting test results.
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johannab

kensington mortgage company

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Hello again,

 

I took out a mortgage in 2000 with a Kensington mortgage company. I got it through a broker shop called 'the mortgage shop' in Gants Hill,East London.

 

I remortgaged to EGG in 2002 for a much better deal.I have since redeemed this also.

 

I am now trying to find out details of these old mortgages to check the accounts/fees etc. I have another old mortgage with iGroup that I am also trying to track down. I have Googled Kensington but the page that comes up doesn't look familiar.I remember their logo to be green. The company site page I found has a blue and orange logo . Would this be the same Kensington mortgage company from back then?

 

Foolishly I have no records of old accounts as it didn't occur to me that anything could possibly be amiss and that I would ever want to recheck them! Its only recently that I am wondering if I was charged unreasonably for anything.

 

Is anyone familiar with a Kensington from approx 2000 and who owned them?

Any help would be great. I am of course assuming that I can SAR a long closed mortgage account...? ;)

 

Jo

x

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If no ones answered by tommorow morning i will give you every movement they have made since 2000- to whenever you want.At the moment they are owned by South African bank pays £283m for troubled Kensington Mortgages - Business News, Business - The Independent i am not one of their fans,but have studied them closely.Tawnyowl.

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Kensington mortgages1Providence Place, Skipton North Yorkshire BD23 2HL may help you.Never seen so many companies operating from one place.Good luck others will help to, Tawnyowl

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Thanks so much tawnyowl.That's definitely the address , its all coming back to me now! I will contact them. Its been a good 8 years since I redeemed my mortgage though. I will post back on this thread with any response I get from them. . Thanks for your help, Jo

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Any other info you require on them just shout,i will take great pleasure in giving you any help i can,are you sending the CCA this week,Good luck Tawnyowl,

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SAR sorry about that,Kensington have that effect on me.

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Hi,yes ,just doing it now and logged back into to grab the address you supplied me :D

 

I wonder if they will just say that its been too long and they possess no record of the account. Thats what EGG said when I rang up and enquired about a mortgage I held with them in 2002/2003.

 

I will try anyway!

 

Thanks again,

 

I will come back to this thread and add anything that transpires :rolleyes:

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Hello, a quick update on this. I finally received my SAR package but needless to say there is nothing on the redemption i.e details or amounts paid. .

 

All the package seems to contains is many copies of my offer and copies of solicitors letters that went back and forth at the time. I took the mortgage out in 2000 and redeemed it a year or two later. There is absolutely nothing on the redemption.

 

On their cover letter they state 'due to the account redeeming over 6 years ago ,we only hold limited info.We have however enclosed everything that we hold on our records'

 

A bit of a waste of time,not sure I believe they have NOTHING on the redemption. Would love to know the figures. How can they only have the offer stuff and not the 'closing' stuff ?????

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