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    • I used to post regularly in order to provide factual information (rather than advice) but got fed up with banging my head against a brick wall in so many cases when posters insisted black was white and I was writing rubbish. I have never posted anything which was untrue or indeed biased in any way.  I have never given 'advice' but have sought to correct erroneous statements which were unhelpful. The only username I have ever used is blf1uk. I have never gone under any other username and have no connection to 'bailiff advice'.  I am not a High Court Enforcement Officer but obtained my first 'bailiff' certificate in 1982. I'm not sure what records you have accessed but I was certainly not born in 1977 - at that time I was serving in the Armed Forces in Hereford, Germany (4th Division HQ) and my wife gave birth to our eldest.   Going back to the original point, the fact is that employees of an Approved Enforcement Agency contracted by the Ministry of Justice can and do execute warrants of arrest (with and without bail), warrants of detention and warrants of commitment. In many cases, the employee is also an enforcement agent [but not acting as one]. Here is a fact.  I recently submitted an FOI request to HMCTS and they advised me (for example) that in 2022/23 Jacobs (the AEA for Wales) was issued with 4,750 financial arrest warrants (without bail) and 473 'breach' warrants.  A breach warrant is a community penalty breach warrant (CPBW) whereby the defendant has breached the terms of either their release from prison or the terms of an order [such as community service].  While the defendant may pay the sum [fine] due to avoid arrest on a financial arrest warrant, a breach warrant always results in their transportation to either a police station [for holding] or directly to the magistrates' court to go before the bench as is the case on financial arrest warrants without bail when they don't pay.  Wales has the lowest number of arrest warrants issued of the seven regions with South East exceeding 50,000.  Overall, the figure for arrest warrants issued to the three AEAs exceeds 200,000.  Many of these were previously dealt with directly by HMCTS using their employed Civilian Enforcement Officers but they were subject to TUPE in 2019 and either left the service or transferred to the three AEAs. In England, a local authority may take committal proceedings against an individual who has not paid their council tax and the court will issue a committal summons.  If the person does not attend the committal hearing, the court will issue a warrant of arrest usually with bail but occasionally without bail (certainly without bail if when bailed on their own recognizance the defendant still fails to appear).   A warrant of arrest to bring the debtor before the court is issued under regulation 48(5) of The Council Tax (Administration and Enforcement) Regulations 1992 and can be executed by "any person to whom it is directed or by any constable....." (Reg 48(6).  These, although much [much] lower in number compared to HMCTS, are also dealt with by the enforcement agencies contracted by the local authorities. Feel free to do your own research using FOI enquiries!  
    • 3rd one seems the best option, let 'em default, don't pay a penny, nothing will happen, forget about all of this. As for Payplan don't touch them with a bargepole, nothing they can do that you can't, and they will pocket fees. A do it yourself DMP is pointless as it will just string out the statute barred date to infinity.
    • Because that’s what the email said. Anyway it’s done now. Posted and image emailed.    im doing some reading in preparation for defence but I will need my hand holding quite tightly by you good people.  I’m a little bit clueless
    • why do you need adobe...use a pdf online website. all for now...no get reading up and do not miss your defence filing date no matter what. post it up in good time no!!    
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Kensington Charges


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The FAQ's posted state that the ruling relates to mortgages that completed after Nov 2004.

 

As we completed our mortgage in 2003 and were forced to bail out in late 2005 , does this mean that we are not eligible?

The helpline was not very' helpful' and the lady couldn't say whether we would be eligible under the ruling and we have to wait for the letter to arrive by the 31st may

 

We were charged approx £900 in arrears and direct debit return fees which I would like to be able to claim for .

 

Has anyone successefully claimed any charges back from these unscrupulous lenders?

 

:???:

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Hi, xx HELP NEEDED PLEASE

 

we have a mortgage witrh these pigs and have done since 2005, we had a death in the faamily in 2006 and ended up with a suspended reposession order. We paid arrears off and flash dorward to 2010 and me and my husband are now students. Our student finance has messed up this year puttin us into arrears again.I have recieved some funding and today cleared off some of my arrears. After paying the money the kensigton negotiator told me we have until may the 7th to give them our income details or they will evict us without notice on the powers of the 2007 repo order. my order was suspended with a 100 additional payment ontop of my current mortgage . Can they enforce this ??? and also can they demand more than the court agreed 100 pounds month payment ?? my payment now stand at 13 weeks arrears i can bring this lower but im worried that they are going to come and evict with out us being able to do anythin. My original arrears were cleared im a little muddled and very worried .... also i have over 3000 pounds worth of charges that have been added with interest to my mortgage is this legal ?? my loans started as 81000 and now stands at 83000 even though i have paid etc please help if possible many thanks mizzkerrang x:-|:shock::Cry:

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Will be interesting to see what the FOS make of this when they can be bothered to look at my claim against Kensington :)

 

They have untill the 16th May to do something positive or I will forget the useless beggars and use the County Courts as I have with the rest of my claims and this will be very usefull amunition :)

 

pete

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Hi, xx HELP NEEDED PLEASE

 

we have a mortgage witrh these pigs and have done since 2005, we had a death in the faamily in 2006 and ended up with a suspended reposession order. We paid arrears off and flash dorward to 2010 and me and my husband are now students. Our student finance has messed up this year puttin us into arrears again.I have recieved some funding and today cleared off some of my arrears. After paying the money the kensigton negotiator told me we have until may the 7th to give them our income details or they will evict us without notice on the powers of the 2007 repo order. my order was suspended with a 100 additional payment ontop of my current mortgage . Can they enforce this ??? and also can they demand more than the court agreed 100 pounds month payment ?? my payment now stand at 13 weeks arrears i can bring this lower but im worried that they are going to come and evict with out us being able to do anythin. My original arrears were cleared im a little muddled and very worried .... also i have over 3000 pounds worth of charges that have been added with interest to my mortgage is this legal ?? my loans started as 81000 and now stands at 83000 even though i have paid etc please help if possible many thanks mizzkerrang x:-|:shock::Cry:

 

Hi Miss kerrang and welcome to CAG. I would recomend that you go over to the Repossesions part of the forum and tell your case on their. You will get all the help you need. See you there

 

Olives xx

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Will be interesting to see what the FOS make of this when they can be bothered to look at my claim against Kensington :)

 

They have untill the 16th May to do something positive or I will forget the useless beggars and use the County Courts as I have with the rest of my claims and this will be very usefull amunition :)

 

pete

FOS ruled in favour of Kensington when I went for charges admittedly it was a year ago now. They took about a year to come to that conclusion as well. Good luck xx

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Well i've been stupid. Rather than act on some of the great advice from above i have continued to pay whilst i have sorted other stuff out. I missed a payment last year and because of this they sent me an arrears letter every month saying i hadn't paid. Well today I have received an attachment of money order for £22k from them. B*$&@#[s !!!!!

 

I only missed £100 and that's how much it has cost for them to take this back to court!!!

 

They have now forced me to act. I am going to need to know what to do Janet and John style though i'm afraid, including the wording for the SAR as I need to find out how they divided the sale of the house.

 

Thank you in advance,

 

Woodwa5

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Wow,

 

 

that is exactly what happened and with the company you describe.

 

They actually paid the erc and all the charges with the money from the sale which means the shortfall is part of the principle amount borrowed.

 

Is the best way forward now a letter to said company asking for proof? It was four years ago now and they will think they have got away with it,

 

thanks,

 

Woodwa5

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Thank you ever so much.

 

From memory the orginal claim (possession) was in one court and the second for the shortfall was in bradford.........the opposite end of the country. I'll write a letter over the weekend and send it,

 

thyanks

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Well what can I say. I had my letter today regarding these pay backs. It is just hillarious. These guys owe me thousands in charges,but apparently they think they only owe me a grand total of £45.90 PMSL. To make it even funnier they are going to credit it automatically as a capital repayment to my mortagage account so I dont even get it in my hand. Well all I can say is that they can get knotted and I will do all I can to get the rest, as to how succesful I will be is anouther story but two eviction hearings has to amount to a lot more than £45.90

 

olives xx

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I have decided to send an S.A.R to both Kensington and Optima legal who have been dealing with this on their behalf requesting everything. My thinking is that if they get the official request I am putting them under a time constraint

 

Does anybody have an address for Kensington as I can't seem to find one,

 

Cheers

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I have decided to send an S.A.R to both Kensington and Optima legal who have been dealing with this on their behalf requesting everything. My thinking is that if they get the official request I am putting them under a time constraint

 

Does anybody have an address for Kensington as I can't seem to find one,

 

Cheers

Damn I have just this morning chucked away a letter that had their address on it, I think it is in Skipton if thats any help?.

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Got it:

 

Kensington Mortgages

1 Providence Place

Skipton

North Yorkshire

BD23 2HL.

 

Well one to them and one to Optima legal in the post tomorrow and see what that turns up. I completed and sent the attachment of earnings paperwork back to the court as required and asked for it to be suspended on account that I only missed one payment and it was in September last year and have made every one since.

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go for it pete. I am about to mobilise against kensington too. I think their legal department is about to get very busy:)

 

I'm on their case, also. Just got a warrant suspended for a client today. Appallingly dealt with by these corporate psychopaths. Quite determined they were, to throw a family out on the street even after a nailed on remedy had been guaranteed to them by the Prevention of Repossession Scheme. They turned down £1,000 from the borrower and £3,000 from the Scheme. Five minutes later, the hearing was over, the warrant was suspended on terms of instalment plus £50 and no lump sum offer whatsoever. it's going to take eight years before the idiots see their arrears money and my client is about to make a claim for a substantial refund from them. Dicks. .

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Hi, xx HELP NEEDED PLEASE

 

we have a mortgage witrh these pigs and have done since 2005, we had a death in the faamily in 2006 and ended up with a suspended reposession order. We paid arrears off and flash dorward to 2010 and me and my husband are now students. Our student finance has messed up this year puttin us into arrears again.I have recieved some funding and today cleared off some of my arrears. After paying the money the kensigton negotiator told me we have until may the 7th to give them our income details or they will evict us without notice on the powers of the 2007 repo order. my order was suspended with a 100 additional payment ontop of my current mortgage . Can they enforce this ??? and also can they demand more than the court agreed 100 pounds month payment ?? my payment now stand at 13 weeks arrears i can bring this lower but im worried that they are going to come and evict with out us being able to do anythin. My original arrears were cleared im a little muddled and very worried .... also i have over 3000 pounds worth of charges that have been added with interest to my mortgage is this legal ?? my loans started as 81000 and now stands at 83000 even though i have paid etc please help if possible many thanks mizzkerrang x:-|:shock::Cry:

 

yoiu need to start you're own thread

 

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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Well i've had a response from the county court with regards to the attachment of earnings order. I asked them to suspend the decision and informed them that I only missed one payment and it was last September. The court has reacted by reducing my payments to £45 per month (from £100) and suspending the order........beautiful, first blood to me.....I sent the S.A.R's a few weeks ago and am still awaiting their arrival so I will wait with bated breath as to what they entail.:)

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Well I got a response from Kensington re the SAR this morning. They require both my wife and I to sign for it (fair point and i'll do that) and they returned my orginal payment as it had no payee on it (postal order). Now unless somebody tells me different there is absolutely no requirement for to do that so they can have the orginal back with lots of threats re information commissioner etc if they try to stall again

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