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Kensington mortgage charges issues - help


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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

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get an SAR off to them

to get the statements for reclaiming me thinks

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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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

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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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

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what for 57P!!

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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  • 4 weeks later...

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

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  • 2 weeks later...

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!

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

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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