claiming back charges from KENSINGTON!!! .....

[hammers69]

ok i have recently paid off the money i owe to kensington, through the desperate sale of my property. their redemption figure was 3,000 more than what we initially borrowed, robbing **** ...anyway, i have been told you can claim back all the arrears charges (they tried to take me to court for ) could someone please point me in the right direction.

i dont think its right that this company should get away with what it did to me & my partner, & i want to have the last laugh for a change.

so i no longer have an account with them as of the 07/10/09 so where do i start? also how good is the sucess rate against kensington?..i know how awkward & sly they can be.

all help gratefully recieved.

[delicarik123]

I am no expert here but i think you will need to start with a SAR then you can see exactly what they have charged and when. This costs £10, but well worth it IMHO. i have just received all the paperwork from my mortgage company and am currently wading through it all highlighting what has been charged and when! This could take some time!

[hammers69]

hi delicarik123, thanks for your reply, i think this is going to be a masive job, but yes well worth it.

[delicarik123]

Massive job it is, I have SAR about 5 companies lol, i have received one back so far! So wading through all the paperwork as we speak. good luck x

[hammers69]

thanks will post when i hear back, i think im gonna have a fight on my hands from these sharks, good luck with your 5 lol x

[brownefamily]

I think your job may be easier following the FSA report on GMAC under which GMAC have been told to refund such charges

I tried claiming back charges from Kensington at the start of 2008, was refused and went via FOS, eventually getting back (July 2009) half plus 8% interest, so you should expect that as a minimum.

If the GMAC news doesn't worry them and Kensington refuse to refund, I would avoid court action and go to FOS, quoting the FSA decision over GMAC's treatment of borrowers in arrears and maybe you'll get all charges refunded

Good luck

[mcintosh44]

Hi All,

Does anyone have any letters to start off claiming back any charges added on from the mortgage companies, i.e. GMAC, Kensington & Mortgages PLC. (all fees including arrears, DD failures, court fees, solicitors fees)

I am adamant i will get money back from these 3 mortgage companies with the FSA having fined GMAC for abusing people in arrears. This will run into £0000's and with an 8% interest rate should be an interesting amount!!!

 

Please help thanks,

 

mcintosh44

[nevos]

Hi I'm claiming about 750 from Kensington, I sent them a prelim with a list of charges and compound interest which, they are adding on.

 

So far they have sent 3 threats to go for repossession and yesterday got a token offer of 100..which they can stick where the sun don't shine.

 

My feeling is to send it to the FSO and make a complaint to the FSA just warm things up for them..