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Hi all,

 

Looking for a bit of advice please. I took out a mortgage with Kensington in 1998. I redeemed the mortgage 2 years later. The original loan was £52,000 and I paid them £64966.50 in 2000. I have my SAR and cannot make head or tail of it. I was in arrears but was paying them back by arrangement. There are a lot charges on my account

 

I asked Kensington (nicely) to refund these charges, they offered my £123 + 8% interest. I forward complaint to FOS. FOS have phoned me today to say because it is 12 years ago they can't help.

 

Now my questions:

 

How do I calculate exactly how much they levied (+interest) I have tried to find the spreadsheet on here and I can't sorry!!

 

Also what do I do next.

 

Thanks any help appreciated

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if its 12yrs then its sb'ed on a chrges reclaim

i'd except what they are offering if they wriggle too much

 

 

as they charged you interest at their rate? on the charges

i'd us that rate and cisheet from here:

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

kennys have already been fined for this so should get it right !!

 

theres a link off our home page regarding morgage charges

 

or just type in

mortgage charges reclaim

 

in our search top right.

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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statute barred

 

outside of the limitations period.

 

normal debts 6yrs

mortgAGES 12yrs.

 

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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