Desperate for help with Kensington Mortgage company! Arrears Fees etc

[oofmoo]

Hi all Hope someone can help me here and make clear whether or not I can claim anything back from this cowboy company!

 

I split up from my wife in 2011.

Initially she asked to keep the property I purchased yet had both our names on the mortgage.

At the time I was prepared to give up the house and start again.

 

However unknown to me after 6-8 months she had not paid the mortgage and ran up arrears of around £4000.00 .

Along with more money from utitlity bills which she did not pay.

 

I took over the house from her and she has since moved to an unknown address ( in yorkshire) and has taken a Job promotion working in London.

Anyway as things stand I think I am unlikely to get any money back from her.

Dont even know where to serve divorce papers to!

 

No doubt once the house is back out of negative equity she will try rip me off for half but thats something else to look forward to in the future.....

 

I have now repaid all the arrears and lived off nothing (cup a soups etc lol get the violin out!)for the last 3-4 months.

 

I made a SAR request when I was desperately trying to get the payments down by them 4 months ago.

At that time the amount Ive got to in arrears fees applied plus debt councillor fees (for someone who never came) plus solicitor fees(over £200) ..

. is in the region of £2000-£3000.

 

I have literally given every penny Ive had to them and finally got the arrears paid off.

 

Work however is slow again (im a roofer) and this time of year is not the best as people are saving their cash for Christmas

and its aftermath on their finances in January so going to be a long cold winter!

 

I am unsure as to whether Ive paid off the fees or whether the fees have just been added to the mortgage

and now being charged interest on for the remainding 20 years of my mortgage.

 

Can somebody please please help me to figure out if i can have these monies refunded in cash if they have been paid

or have the charges removed if added to the outstanding amount and being charged interest on.

 

I simply cannot afford to keep being ripped off and have no life apart from paying unfair charges and bills.

 

If possible are there template letters I can send to start the ball rolling and give me an idea of the process from start to end.

 

Many many Thanks in advance for any help.

Desperate!

[BankFodder]

I hope that you have followed the mortgage link and read the article and the other material linked from that piece.

This will let you know what your rights are and give you a starting pint.

Kensington have a reputation for levying unlawful fees. Also, debt counsellor fees have to be levied at actual cost - but also they cannot force the visits on you. they have to be made by appointment in writing and with your express agreement.

Basically don't consent to any counselor visits. The are really nothing more than trips out to assess the value of your property.

 

Begin by reading the material I have referred to - and then come back here.

[oofmoo]

Thanks I will now investigate.

[dx100uk]

yes you can reclaim the fees and any interest they have cost you.

 

and the debt counciling fees

and

if it has NOT been to court - the legal fees too.

 

kensington have already been fined for treating customers this way.

 

.....

 

Hi

Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them.

http://news.bbc.co.uk/1/hi/business/8615870.stm

http://www.telegraph.co.uk/finance/p...y-the-FSA.html

http://www.fsa.gov.uk/library/commun...2010/065.shtml

http://www.guardian.co.uk/money/2010...mortgages-fine

 

 

dx

[oofmoo]

Excellent News I shall re-order a new SAR request as they have added fees since the last one.

Just to make sure I get the full amount.

I have not had chance to read through all these links just yet but will be doing ASAP.

Is there any success stories so far with these numpties?

Has anyone actually got their fees refunded?

[oofmoo]

Some of those links are expired unfortunately and no letter template links attached.

[oofmoo]

Is there a letter template available online I can use to get the ball rolling thanks again.

[dx100uk]

hold on the sar and click

 

dx

[citizenB]

Is there a letter template available online I can use to get the ball rolling thanks again.

 

Can you clarify what type of draft letter you require ? Is it a subject access request (a request for all data) ?

[oofmoo]

Can you clarify what type of draft letter you require ? Is it a subject access request (a request for all data) ?

I know how to request a sar its the first letter before action I need which asks for the fees back.

Thanks.

[dx100uk]

you can use the credit card one in the library and adapt that.

 

dx