Kensington Mortgage Company PPI reclaim

[Debvfm]

Hi All

 

Last year I put in a claim using a PPI claim agent against Kensington Mortgage Company r

egarding the mis-selling of my cover when I took out a mortgage.

 

As a result of mis-selling I was not covered when my business went under and as a direct result I lost my home.

 

I filled out all the paperwork correctly and called on monthly basis to chase the claim,

I was told Kensington had never heard of me, and that they needed previous addresses.

These I provided and last week made another call to chase the claim.

 

Imagine my amazement when the guy on the other end of the phone told me they had made an error

and had in fact contacted Bradford and Bingley by accident which is why they had no record of me.

The problem I have is the 10 year time limit ran out last October and I am not sure what to do next.

 

Many thanks

[ims21]

What 10 year time limit?

 

There is no time limit on PPI claims as such?

 

Have you dumped the claims company?

[Debvfm]

Hi thanks for your reply. I thought there was a ten year deadlline in which to file your claim. I haven't dumped them as yet, I am waiting for a full explanation as to what happened first.

 

Not sure what to do here

[ims21]

Well as you have been a member since 2010 you really should know not to use claims companies. Still, what's done is done.

 

Which company is it? I am sure you realise that you are going to lose quite a bit of your refund to them?

 

What exactly have they done for you? What stage are they now at?

[dx100uk]

:frusty:

[Debvfm]

Hi

 

At the time I was holding down a full time job and looking after my disable son which took up my free time. I thought one of these companies would have helped me out. All they have done is to send an SAR to Bradford and Bingley rather than Kensington. They have not indicated how much my claim is worth have you any idea?

 

Thanks

[dx100uk]

how can we

you have posted no figures............

 

pers i'd tell them to cancel

 

you have no faith in them anymore.

 

do it now.

 

dx

[Debvfm]

I really am not sure how these things work I do apologise. The mortgage was for £140k approximately and as I say I lost the house as a direct result of the mis-selling of PPI.

 

Have I recourse with this agency for their huge error.

[Debvfm]

The company I used was [removed as to gain no further clients]

I will do a SAR to Kensington Mortgage Company tomorrow. I assume this is the first avenue to explore.

 

Thanks

Edited May 14, 2013 by dx100uk
dx

[dx100uk]

As a result of mis-selling I was not covered when my business went under and as a direct result I lost my home.

 

you would need to get ALL the documents via the SAR.

 

if is sHOWS you were told it covered you.

 

then you have a very good case against the advisor.

 

dx

[Debvfm]

Many thanks for your help. I will send the SAR tomorrow, they also sold me household insurance which when I had a break in was told did not cover me either. I did get these fees recovered however.

 

Many thanks for your help. Once I have the SAR back I will repost with my findings.

[Debvfm]

Hi

 

Have applied for the SAR and am awaiting the results. I have requested a written explanation from the PPI Claims company and am waiting for their response they have however, written to me to explain they are making a full investigation.

 

I will keep you all posted.

[Debvfm]

Had a letter today from Kensington Mortgage Company stating that they have no records on their system for me. What do I do now? Many thanks all

[dx100uk]

hold old was the mortgage and when did it finish

 

dx

[Debvfm]

I took the mortgage out in 2001 until 2003. They did sell the debt to another company towards the end just 6 months before it was repossessed. Thanks

[dx100uk]

the limitations act on mortgages is 12yrs.

 

they should still have the paperwork.

 

if you owed them money

they'd soon chase you claiming they can under the 12yrs rule

 

you need to tell them that.

 

dx

[Debvfm]

I will give them a call then I have a contact name. I will also put it in writing. Thanks

[Debvfm]

I called them and they have said the will not have paperwork for longer than 6 years. They sold mortgages to several companies and have suggested that I contact the FOS. Is this the best line to take with this?

 

Thanks

[slick132]

Hi Deb,

 

You shouldn't deal with anything by phone if you can possibly avoid it. You need proof of everything so keep everything in writing.

 

If Kensington have said in writing that they have no data, you should follow up with a SAR chaser. You could use letter 3 from here - http://www.consumeractiongroup.co.uk/forum/content.php?593-Data-Protection-Act-Non-Compliance-Template-Letters

 

If you haven't already done so, you should write to the claims management company, simply saying :-

 

"Due to your failure to write to the correct mortgage company to start my claim, I have no faith in your abilities.

 

I hereby terminate any agreement which existed between us with immediate effect."

 

In response to your question in post #8 (Do you have any recourse against the CMC for their failure), I doubt you have any recourse against them at all.

 

[Debvfm]

Hi Slick

 

Many thanks for your advice. I will send the chaser letter. Do I explain to them that they sold the mortgage and its down to them to find the paperwork?

 

 

Deb

[Debvfm]

Oh just a foot note the Claims Company have written saying they wrote to the wrong lender in error (really??) and this was due to human error and no reflection on them. Yeah right.

[Debvfm]

Hello all.

 

I recently sent an SAR to the above regarding mis sold PPI.

I had a mortgage with them in 2002 - 2004.

They sold the mortgage to another company (I cannot remember who I was suffering from a breakdown at the time)

and shortly after this they repossessed the property.

 

Kensington say they have no paperwork and I was wondering if there was a way to find out who they sold the debt to.

 

The mis-selling of PPI was a direct influence on the house being repossessed.

 

Many thanks

[filrobbo]

They should have paper work and if they say they haven't you need to see prof of destruction which they should have if they carnt prove it take them to court

[Debvfm]

Lovely many thanks. They just seem to be ignoring me now hoping I will go away. I won't I lost my house as a direct result of the misselling and I won't go quietly.

[citizenB]

This information should have been part of the data that you received via the Subject Access Request.

 

I am sure we have a letter that you can send to them to find out this information.. I will go track it down.. BRB.