Jump to content


  • Tweets

  • Posts

    • It would be helpful if the entire final version appeared in one document . Also I am going to go back and delete the draft unamended versions in order to recover a bit of space  
    • Sure, although i'd like to think other people would read the thread to access the final version uploaded yesterday and recognise that there was feedback post-upload for only a new paragraph 47 to be added. Anyway, attached is the redacted updated final version of the WS / Court bundle with the new paragraph. Final WS and Court Bundle redacted.pdf
    • OK.  All of us here have made mistakes in legal dispute - the important thing is to learn from the mistakes and get it right the next time.  So for future reference - 1.  Not a good idea to ignore a Letter of Claim.  The PPCs are on the look out for people who don't reply, as they think there is a good chance that the person won't reply to the claim form either, gifting them an easy default win. 2.  Not a good idea to fail to send a CPR request.  As they usually don't reply this gives you a chance to wallop them in your WS for not producing the correct legal permissions. 3.  Not a good idea to play your cards so early in your defence.  They will know how you mean to defend and will prepare accordingly to rubbish your arguments. Anyway, spilt milk and all that ... So what arguments do you plan to put in your WS?  You can't say "a bloke told me I could park there" as your opponent will just ridicule you for believing a load of baloney and not bothering to read the car park signage. I see you have questioned their right to bring claims under their own name (defence point 1) which is a start - but unfortunately you can't show them up for refusing to show their contract with the landowner following a CPR request. Who is this mysterious owner of the car park then who gave the permission and can they be involved? Your arguments about POFA (4) will fail as you've outed yourself as being the driver in your defence (3). You question their signage (17, 20).  Good.  Have you got photos of the rubbish signage? I'm afraid you don't seem to have real defence arguments that will stand up in court. dx is right - let's see the original PCN and any correspondence with UKPC.  
    • Thank you HB, I’ll speak to them. 
    • You need to speak to the student welfare people. They aren't the people who decide if you stay or not, they should be there for students. HB
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Kensington SPO ***Resolved***


markez78uk
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1730 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

UPDATE **

Still no Response via letter or even a phone call from kennys - i have got receipts for the signed letters of proposal 1st of June and 20th June

im paying them full cmi and agreed £200 extra on the 28h of june as stated

 

i have been checking my online account every day and the arrangement TO PAY was active every day until midnight last night

 

Kennys have a policy that if you dont contact them within 15 days of the warning letter that your payments are late (mine was dated 8th of June they will instruct solicitors to go for eviction ) of which 15 days dated from that letter is the 23rd june

 

TODAY ITS BEEN CANCELLED ON THE ONLINE ACCOUNT !!!! WHICH IS THE 24TH

So that means they are going for eviction :( ARGGGGGGGGGH

Ihave contacted them twice - letters dated 1st june and 20th june

both signed for on the 3rd june and 21st june

 

What can i do now :(

really really worried now

 

my account will show the correct arrears balance on the 28th june but they will apply the cmi on the 1st of july so the balance will shoot up again

- as we cant pay this until the 18th july (weekly Payments) and then at the end of july will be back on track to pay 1st of august due payment ...

 

I feel so down this is the first glitch for 11 months and they are going to go straight for eviction again

 

"SO MUCH FOR THEIRSTATEMENT

- Reposession is a last resort we wish to do everything possible to avoid this corse of action . at the bottom of all my letters i get :)

 

*End of july is wifes 1st pay date from new job so we will be paying 1st august due payment at end of july - in agreement with the terms

She starts on monday 3rd July

 

Feel so so Down

this new Job is extra £800 a month then what we have had previously on our income that in its self covers the cmi and nearly all the £200 arrears payment

 

this is a nightmare paid 11 months no problem ,

couldn't pay 1st of june as wife lost her job end of april early may and still hasn't been paid - her ex employer is being investigated by hmrc for tax fraud

 

she got offered a new job at the NHS 12TH MAY

- But start days have been delayed because of security checks , and medical checks - she has now full clearance and has a start date - all of which we have a full email and paper trail for

 

My payment was due on 1st of june im paying 27 days late on the 28th june and kennys are going straight in for the eviction again - however i haven't a letter yet but when they cancel the Payment arrangement online it normally means - they are

and they havent responded back to me with the 2 proposal letters i have sent , just one letter datted 8th june stating my payment is late and i have 15 days to contact them - otherwise they will enforce eviction .

 

sorry for waffling :(

 

Regards

Markez

Link to post
Share on other sites

  • Replies 967
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Doesn't mean anything

Stop looking for things to panic about

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... 

Link to post
Share on other sites

sorry

just in the past once they cancelled the arrangement online - they issued eviction letters Straight Away - its sort of how i knew they had declined my proposals in the past

before i received any written conformation

Regards

Markez

Link to post
Share on other sites

Could i ask the judge to change the payment dates ?

as if they where the end of each month they wouldn't be late ?

 

Due 1st June Paying 28th June

Due 1st July - Paying weekly

 

If the Due Payment date was 28th all would be fine ?

 

 

Is it very bad in a judges eyes that because my wife hasn't had any income for may / June we are unable to afford the payment due 1st june but can 28th meaning its in the same month .

also the same issue in july - due the 1st but can only afford it before the end july (weekly payments )

1st august Due Date we will pay 28th july

 

meaning june and julys payment will be late but both will be paid in the same month its due .

 

Regards

Markez

 

sorry for going on just sat here and my head is spinning thinking of the worst and im reaching out for comfort and guidance as you guys have been great !!!

Link to post
Share on other sites

Thread title is very misleading !

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Good evening - not sure how to change title

 

the helpful guys and girls helped me win the case and we won twice !!

- however due to a slight change in financial circumstances I'm seeking advise because my payment will be nearly 4 week late and I have a suspect feeling Kenny's will go straight for eviction

- as we have a suspend possession order sat over our heads even tho this is the first payment missed (well late) in 11 Months

 

and the arrears have come down by £2600 since the original suspended order

Regards

markez

Link to post
Share on other sites

I have asked Site team if they can amend your thread title to better reflect the current situation.

 

Kensington is one of a long list of sub prime lenders whose mission in life seem to be to stress people beyond belief for the slightest of issues ! Having a suspended possession order hanging over you, must be dreadful.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Markez,

I understand how you must be feeling given Kensington's behaviour in the past.

 

However, you have put forward a very responsible proposal for repayment with good reason for paying late.

 

If they do go for eviction I cannot see any judge allowing it

- your wife has another job and which means you will be able to continue paying.

 

Perhaps another letter to them strongly adivsing you will vigorously defend any eviction and ask the court to disallow any legal costs due to unnecessary action ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

UPDATE*

still no letter from kennys regarding the 2 proposals i sent

Hovever im paying tomorrow

and then we will see what happens

kennys have cancelled the court order arrangement according to my on line account

Regards

Markez

Link to post
Share on other sites

+Update

 

Paid the cmi & £200 arrears in line with the court order and as in the proposal i have sent

- Was due 1st june - Paid 28th June

 

I have also offer to pay julys due payment weekly starting 1st july and be finished by 18th july

 

However i can afford the July cmi on the 1st july (sold some stuff )

 

 

i will pay this on the 1st july and then only have £200 arrears payment to pay over the next couple of weeks ?

 

Then when the wife gets paid 28th july we can pay the 1ST OF AUGUST Due Payment

Regards

Markez

Link to post
Share on other sites

**UPDATE

As of today no response from kennys regarding the proposals i sent on 3rd june and 20th june - They Cant even be bothered to reply

Just the letter dated 8th June stating i had 15 days to contact them - and if i didnt they would issue eviction

Im starting to worry now as im sat everyday awaiting an eviction letter to land

 

Ive paid the june payment as stated in my proposal - and the arrears went down by £200 as in line with the court order

and started to chip away at the July Payment

and My wife's new job has confirmed 27th july as her pay day so we will be paying the 1st august due payment on the 27th July

 

Regards

markez

Link to post
Share on other sites

stop worrying its almost as if you want it to happen...

 

 

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... 

Link to post
Share on other sites

Most financial services companies have a small backlog of work during the summer, due to staff holidays and few wanting to do extra hours. They are probably not ignoring you, but simply have not got around to look at your file. As long as you are showing commitment to repaying your loan and any arrears, then you are in a good position.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

true

Its just been a month since i sent the proposal so we just wanted an answer - i dont really want to call them either

yes the arrears are coming down in the same month they are due

and we are over paying whats due on the court order aswell

Regards

Markez

Link to post
Share on other sites

but you'd be in an ever worse state if they had replied

go get on with your life.

its almost seems you want it to happen

after 3yrs of tormenting yourself

poss time to give yourself a bit of a rest mentally?

 

 

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... 

Link to post
Share on other sites

Thanks Dx Wish i could :(

Just cant seem to think about anything else as haven't a clue what they are doing

but i do appreciate all the help i get on here you have all been lifesavers

Regards

Markez

Link to post
Share on other sites

sit on your hands

lock up the printer

and don't talk on the phone.

let 'em get on with it.

 

 

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... 

Link to post
Share on other sites

It's completely understandable that you are feeling anxious about your situation, anyone who has come on this forum with the worry of losing their home will know exactly what you are feeling. These sub prime lenders are totally without empathy, they are only concerned with money and if that means going after your home they will do it. They operate on fear and know if they keep you hanging on wondering what they will do, you will panic and try to get money from somewhere to pay them.

 

Fortunately the court judges are aware of these type of companies and provided people get the help needed from forums like this these despicable companies don't get what they want.

 

Try to stay positive, you know that if they are foolish enough to take further action you can, and will, win against them.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Markez78uk

dx100uk is right try to relax, the worrying is not going to help,

I was the same worrying all the time to a poit it affected my health,

 

now when something happens out of my control, I take it that no news is good news,

and if it hppens it happens, at least you are showing willing.

you can do no more

 

Leakie

Link to post
Share on other sites

Thanks for the supporting and kind words

im living by the fact that i have paid them as i proposed and in the same month

so all fingers and toes crossed

Thanks guys and girls

Regards

Markez

Link to post
Share on other sites

*Update

No letters or response to the proposal letters that i sent in on the 1st and late june . from kennys

I Have paid the full cmi + £200 arrears at end of june as in the proposal and made full cmi in july just paying arrears at end of july again as in proposal

The only letter i have received From kennys dated 31st june Was statement showing cmi du on the 1st and showing my payment being received on the 28th

 

So all looks Good will wait and see what July has in store

Regards

Markez

Link to post
Share on other sites

  • 3 weeks later...

*Update 26th july

Got a phone call from kennys who asked why the payments where late ,

i stated i had sent 2 proposal forms in that where signed for

- and it was explained to me that they will have to let senior management decide if they shoud go for eviction because of 2 months of late payments :(

i will just have to wait and see

 

i may need help with n244 later this month

as i haven't had a letter yet stating they have gone for eviction

- sorry i haven't been on earlier just had a lot on my plate

Regards

Markez

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...