Kensington mortgage charges issues - help

[caroline59]

i took out a secured loan on my property with Kensington back in 2006.

i had a public house and ended up going bankrupt and then got into arrears with my secured loan.

 

kensington went for repossession in 2010 but in the dec i got a suspended order from the court and was ordered to pay the contractual amount plus £75 off of the arrears.

 

i have stuck to the arrangement but they keep putting the interest rate up and the arrears are going up.

 

every time i ring to make payment on the 1st of the month they tell me how much to pay and i do it.

but they keep sending me letters saying i have defaulted on my arrangement and when i ring them they say its because i didnt pay enough on my last payment

when they inform me how much i have to pay at time of calling.

 

they also added £600 solicitors fees when i went to court to get the eviction stopped which was not ordered by the court.

 

i wrote a letter of complaint to them 1 yr ago but they responded by saying they are charging me the correct fees.

 

can you please advise me if they are correct.

 

many thanks

 

caroline

[dx100uk]

get an SAR off to them

to get the statements for reclaiming me thinks

 

dx

[caroline59]

what is a sar

[dx100uk]

i have created your own thread here.

click on the SAR in black and it will tell you

 

so you think they levied lots of PENALTY charges against you.?

 

dx

[caroline59]

every so many weeks they send me a letter saying the interest rate has gone up.

 

when i rang the beginning of this month to make the payment they told me how much my payment was and i paid it by card.

 

then today i recieved a letter saying that i had defaulted on my arrangement

 

so i rang them and they said i was 57p short on what i should have paid. and if it wasnt paid by my next payment day they would go for another repossession order

[dx100uk]

what for 57P!!

 

dx

[caroline59]

yes 57p. i do not understand how they can keep putting the inerest rate up. i owe more in arrears now than when i went to court in 2010

[Oldshep]

I have to reply to this. because this is a scenario I envisaged and pointed out to my hubby a couple of months ago when they put my interest rate up. i made sure I asked when i made my monthly payment if it had been adjusted for the added interest, and I was told 'Yes, it has been that's done automatically'

 

I just had a funny feeling they'd try and pull that on me, so I called them out on it.... If i hadn't I'd be in the same position for 30p

 

You really need to put in an official complaint to kensington

[gemspan]

I really think that this crowd need to be reported to the FSA for their dealings.

This is absolutely appalling!

 

I would also suspect that you will be charged £50 per month for phoning and paying your mortgage over the telephone by debit card...rather than by direct debit.

 

You need to get a statement of your mortgage together with all charges incurred.

 

These sub-prime mortgage providers are absolutely appalling.

 

I am having problems with Platform at the moment

- taking me to court when I am paying my mortgage.

 

Shocking behaviour!

[dx100uk]

dont forget kensigton have already been fined once for this exact behaviour

 

dx