Kensington SPO ***Resolved***

[dx100uk]

stop talking on the phone!

[markez78uk]

they called me and caught me off guard

im just paying what i have proposed and awaiting a letter from " senior team" to see if im going to get eviction notice

Regards

markez

[dx100uk]

everything in writing only please

put the phone down.

 

 

IMHO 90% of your worry is allowing them to wind you up on the phone.

[markez78uk]

just called me again from a different number

stated i owe them £1723 from previous missed payments on court orders from september & December last year and i owe them this months payment so i have 7 days to find £2582 and have to call them on 8th august to make the payment

haven't a clue what im going to do apart from cry

 

i have advised we can afford to make a payment of £1000 at the end of the month

- but they stated this isn't good enough as i have broken agreements in the past and Septembers payment would be due on the first and we wouldn't be able to afford sept due payment untill end of September

 

they said we let you off over june and july to pay late

- but you had outstanding arrears from last year and senior management have decided that this has to be cleared to stop any further action

 

i have a asked if the payment date could be changed from the 1st of the month to the 28th they said no

also i asked if i could capitalise the arrears

- they stated no my account doesn't allow that

 

i paid end of julys payment

but asked if we could pay this months payment on the 10th as this is my wifes pay day

- this is this months payment that was due on the 1st august

- but i then get paid again end of august ready to pay for Septembers payment

 

regards

Markez

[markez78uk]

do i risk going to court again ?

as i would of paid august 1st payment on the 10th august

and be paying end of august ready for the 1st September payment this i would be paying 25th august

so i would of paid them £1718 off the above due and be on track apart from the arrears on the court order of £866 ? of which i need to go through bank statements to see where that has come from .

[markez78uk]

and yes dx i dont want to talk to them on the phone but they have rung me 3 times now on different numbers and this is the first communication i have had since i sent the proposal off in early june and late june .

godsake im in such a mess

[dx100uk]

writing only put the phone down...

please stop talking to them on the phone!!

 

 

these old arrears, mortgage arrears or their unlawful charges they've added?

 

 

so DID you have mortgage arrears from sept - December...?

[dx100uk]

you ask who is calling before you do anything if they ask for someone by name

when they say Kennys you say 'writing only please' and HANG UP>

 

 

we've been telling you this since DAY ONE!!

[markez78uk]

they have stated if i dont phone them on the 8th and pay £2582 they will issue possession proceedings

not 2 sure about the arrears i know we where in trouble last august but kennys stated they would reset the agreement and let us pay ithe missed month a bit later - i presume they are calling in this debt now

 

i have to check payments when i get in as at work at the moment

 

payment due 1st June - paid 28th June

payment due 1st July - paid 31st July

payment due 1st august - paying 10th august

payment due 1st September - paying 25th august ------- Back on Track

 

they are stating because august payment hasn't been made and is late and July payment hasn't shown on system yet im 2 months in arrears with court order soc they have no choice but to issue eviction if i dont pay £2582 on the 8th they will issue eviction

£2582 - July 31st payment = £1723

+august due cmi = £2382

- august payment cmi + £ 200 arrears court order payment on the 10th august = £1523 outstanding from last year ?

 

cant work it out ??

 

they are awaiting july and august payment and this is why they are going for eviction - but they have added extra arrears from some where ?

Regards

Markez

[dx100uk]

they have stated if i dont phone them on the 8th and pay £2582 they will issue possession proceedings

 

thats you ringing them to give a payment which you really should be doing by bank transfer on you interweb banking site rather than by debit card.

that way you've no need to ring them at all.

we've told you that time and again too.

 

i would only be ever paying attention to what they say in letters only

not phone call willy waving.

 

dx

[AndyOrch]

Has this Kensington only got one customer ....you ?

[markez78uk]

what should I do then

just pay Augusts payment on the 10th and then await an eviction letter ?

 

pay end of august ready for Septembers payment

 

so I have paid all the payments I have proposed

 

not sure what you mean by Has this Kensington only got one customer ....you ?

 

I'm just sat here wondering what to do and just looking for guidance and help

 

as you guys and girls have been amazing in the past

 

regards

markez

[dx100uk]

yes do what you propose that's the best you can do.

stay off the phone

have you got internet banking?

best pay it that way.

 

have you absolutely stripped everything else bar gas/electric and ctax back to very small payments

 

this has been going on long enough

you need to cut paying non priority stuff like sky/VM/mobile/cards/catalogues out

then get on track with the mortgage

the rest cant do anything to you

 

dx

[Ell-enn]

Hi Markez, you should make payments in line with the proposal you sent them. If they go for eviction, we will help you deal with it.

How much are the total arrears ?

[markez78uk]

good morning

the total arrears overall ? are £27,596 but will be then reduced to £26737 when we pay on the 10th august

thanks dx - yeah stripped everything back and been paying them over the past year but this has all come back because wife had to get a new job and the start date was delayed for nearly 6 weeks

[Ell-enn]

If you have to go to court I'm sure the judge would take into account the fact that your wife was trying to get a better job to help with the family finances but the delay was not of her doing

[markez78uk]

i really hope so

thanks ell

i proposed late june - paid

late july - paid

1st august - not paying untill the 10th so 9 days late

then i will be back on track to pay end of august for 1st September due payment

 

i just hope i can get the payment on the account on the 10th before they go for eviction

 

Regards

Markez

[Ell-enn]

Maybe write them a letter stating how disappointed you are with the communication from them despite you sending letters and keeping to your proposals. Do you want me to draft something ?

[markez78uk]

ELL Yes that would be great

as yes they didn't respond to the proposals i sent beginning of june and end of june

- yesterday on the phone they stated they had noted on my account i was paying late June and July

but because i offered to pay again 1st of august and haven't thats why they called me and stated eviction may be gone for

Regards

Markez

[markez78uk]

the only issue is i proposed to also pay on the 1st august and we cant afford to do that until the 10th

Regards

markez

[Ell-enn]

Hi Markez - well 10 days late is not a disaster. Would you be able to send the letter to them today by special delivery to get there Monday ?

[markez78uk]

yes i could nip out on my dinner

Regards

markez

[markez78uk]

i could pop out around 3pm

if not i could post on Saturday however they have stated i have to pay by the 8th august to stop any further action

Regards

Mark

[Ell-enn]

Never mind what they say - we need to build up a series of letters you sent to them in case you have to go to court - that way you can show the judge you had a reason for having to make a payment proposal and they have been their usual nasty selves !

Get it posted asap - tomorrow would be fine as long as it's special delivery for Monday by 12 noon

[markez78uk]

Ok thanks ell

and yes could you help me draft one up

regards

Markez