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Kensington SPO ***Resolved***


markez78uk
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Cheers dx..

I know I know about calling I just wanted to know what the charges were for . And I'm glad I managed to get it added to my complaint .. before its concluded .

 

Can they reissue the warrant after the fos decision tho ??

Cheers

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The minute you get into arrears they have a right to repo. That's when the clock begins to tick with regard to if and when the lender will go for it. With the likes of Kenny's it's not 'if, it's always when. They know they have a legal right and will just remind you to keep the control freak attitude over you as DX suggests.

 

Just keep doing what you are doing and paying on time and gradually the balance of control will reduce and once you are out of arrears the game changes. Kenny's know they can do and say what they have said to you and no doubt the charges applied can be charged too under their Mortgage Conditions. If you can pay those charges to save yourself added interest then so much the better, but they'll take whatever you paid and just reduce it from your arrears.

 

Try and ignore their emotional attitude because it will wind you up - but then that's exactly what they do as it's their business model, so try keep off the phone and put anything you want to ask them in writing - just keep up the payments until the arrears are paid and 6 months of payments will make a significant difference to any outcome if they haul you in front of a Judge again.

 

Wipe out of your mind what they say, like you would something you scrape off your shoe that's been left on the pavement by a dog walker - there's not a lot of difference! Look forward to the day you are rid of them and having a happy Christmas with your family. Search out for the 'feel-good' factors around you, not these dross.

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  • 1 month later...

Hi all just an update ..the fos have replied and basically said they can't see anything wrong and because I'm on variable interest Kenny's are in the right to keep upping the cmi .and because they refunded £8000 towards the arrears they have followed what most banks would do .. now I have to await the dreaded letter from Kenny's for an eviction as they stated they may still go for eviction as the warrant was only suspended because the fos asked them too ..and the deal was they would only cancl it if I paid off the £20000 arrears in full of which I can't do

So I b et they reissue it ..my head and heart have sank to the lowest point ...I've been paying on time since the warrant was suspended in August ..regards markez

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That's not what the judge said

Stop worrying about it

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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I know DX but I was late with a payment back in August and couldn't afford the full amount . That's why they issued the original eviction warrant ..

I have paid ever since it was canceled tho ..so hopefully that will be in my favour

Regards

Markez

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I have the option to appeal,can I check something the Fos has said IÂ’m on a variable interest rate and kennys are entilted to put my cmi up .which is fair enough but the interest rate has only changed twice last year and kennys have changed my payment over 7 times in the last year .

 

Fos have stated only 1 change on the reply letter from £589 to £592 kennys have since changed it from £592 to £604 then £612 and this month changed it to £615 do u guys feel thatÂ’s enough for me to appeal against there decision and try and point out the Fos are missing the point that they keep changing the cmi even when there is no change in the interest rate ....variable also means it can go down of which it never has 😔

 

Regards

Markez

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We had this problem when attacking Swift who operate the same business model. They put their rates up in a similar manner when the Libor and B of E rates plummeted and somehow, when they took people into court and the point was argued, they said the increases reflected their own 'borrowing' and financing costs which the Judges seem to accept as okay as this was to fund the business and did not reflect Libor or B of E like most other high street banks.

 

It's another ruse by companies who operate this kind of sub-prime business which seems to be above the intelligence of the Judiciary to see through. It just makes it harder for people like you markez to argue when faced with court hearings and is another reason why you should get the hell out of their grips at the first opportunity.

 

Just listen to what the guys here say though, they know what they're saying.

 

Keep calm and just keep to the payment plan.

 

good luck.

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hi all

yeah im going to appeal HB and see if a big ombudsman will look at it

Thanks spud , Andrew

 

it just gets me every time ..but im surviving off the fact im making the payments i did miss a payment last august thats why they issued the eviction but haven't missed a payment since ...im even paying an extra £100 this month on top off what the judge stated as i have some pennies left over

just shows willingness on my part

thanks all so much

Markez

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Hi Marez, keep making payments on time - if they do issue an eviction you will be able to show the judge you can keep to the payment agreed, but you must never, ever, ever miss payments as I doubt you'd be able to keep your home again.

 

We can help you defend if eviction warrant is issued so stay positive.

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

 

 

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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.

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Thanks Ellen ...

I hope it doesn't come to that again as I can't face a day in court again .. I'm going to make some small payments through the month as well to chip away at it ..so it will be coming down even quicker and the payments will be higher than what was orderd on the court order..as my wife has had a pay rise start of this year ..won't be telling them ...but will be paying them extras as we want this arrears situation gone ....sooner than later

Regards

Markez

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That's good news Markez and it sounds like you are budgeting well, but keep a bit back for a rainy day just in case you do get a surprise expense and the mtg payment looks vulnerable. Having a payment tucked under the mattress might come in handy although getting these dross out of your hair quicker is paramount to your longer term aims.

 

Well done thus far.

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As Andrew says, don't pay them all the extra you have - you wouldn't want them to get even a whiff that you have a bit more to give or they'll want it! just a little bit extra is enough at the moment- if you haven't got a savings account, then get one - and put a little by in it when you can then if anything goes wrong at least you'll have something to fall back on (keeping it in a tin in the house is a bad idea by the way - too easy to "borrow" it (been there!) LOL).

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.

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thanks guys and girls,

im sending an email today to appeal against the FOS Decision - they havent even picked up on my complaint correctly

they have advised they cant see anything wrong with kennys upping the cmi from £589 - £592 as im on a variable rate

 

my complaint wasnt about one rise it was about several rises in the past 5 months grrrrrr

i will let you know how i get on

 

Regards

mARKEZ

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was your decision from an adjudicator not the ombs man himself?

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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up you go then.

escalate it to the ombs.

 

BUT DONT WAFFLE!!

 

just a quick bullet pointed email of a few reason why you think the ADJ decision is unfair.

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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Do not worry about Kensington threatening you with eviction, it is a standard tactic to intimidate you into surrender. REMEMBER THEY ARE KNOWN CROOKS, in every court in the land. I have faced them nearly 20 times in court and every time the judge sees through them and refuses point blank to give them possession.

 

Do not fear them or should I say there agents as they will never show themselves in court as they prefer to call the shots behind the coat tails of others.

 

Bear in mind in near,y all cases the facts are incorrect and they have a habit of adding hearty fees to the account. Do not trust anything they say and question everything. Do not ever speak with them on the phone always in writing recorded delivery and keep copies.

 

One point I would also make is that when the crooks applied for repossession originally did you agree with the figures they presented to the court, i.e. They say it was xyz and you say abc? If so go through the account and if you can show the figures are false you may have a case to have the order revoked. Bear in mind you have been paying interest and solicitors costs along the way all of which are added to the loan. Trust me I. Know it's a nightmare to do but it's worth it.

For me I won't stop until I see these greedy underhanded crooks get what they deserve,

 

Good luck

 

In my case I am still suing them for harrassment and false accounting which has resulted in several refused offers from me,

Edited by honeybee13
Paras
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Thanks for the kind words.they changed my account number last year in march and my online statements only show from march ..I did argue the arrears balance at the eviction hearing also I argued again when the suspended possession hearing occured for a renewal of the order apparently they had to apply for renewal after 6 years ? I have asked them several times for statements of the cahrges and arrears to no avail

Regards

Markez

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I wonder why they changed your account number? That usually, in Accounting terms at least would imply a change somewhere internally such as a securitisation or sale of the loan product to some SPV or other new lender perhaps or a change in product.

 

They won't tell you of course and the name and everything else will remain the same, but computerised systems are programmed and these sorts of changes are not just randomly applied without good 'internal' reasons. If you raise the question they'll tell you nothing's changed as far as you are concerned and your liabilities remain as was, but keep an eye on your paperwork Markez if and when you do a DSAR on them. The devil's in the detail and it could raise other interesting issues. Keep notes of the dates you spotted that and raise it if you find anything 'unusual'.

 

It's like when you see a wart come up on your skin, you know something's going on underneath.

 

Nothing like a good scratch to uncover it!!

 

Have a good weekend.

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Hi , They changed the accounts over as the company was sold on again back in November 18.

 

Obviously no one knew this as they kept it quiet but if you ask for a statement you will see it in black and white.

 

Apparently it's being disguised as an account upgrade to there system.

 

Northview own Kensington now so expect your rates to go up and up. Funny enough I believe they also own Southern Pacific now and you'll never guess what it's all ran by the same crooks that ran it before.

 

Check out the directors of SPML , Kensington and Northview , it's all the same people just appointed one day, resigned the next and appointed to one of the others for a few more months(it appears) and off again.

 

More slippery than wet manure

IT STINKS THE WHOLE LOT OF IT.

 

Let's just keep the faith that one day soon they are all bought to justice and the luxury 6million pound homes that most of us have paid for, are subjected to the indefencable behaviour we have suffered over the years. After all , most of the Lehman outfit the other side of the pond have faced jail time so it's just a matter of time before the penny drops here and justice is dished out to these in bucket loads .

 

As a footnote to all may I suggest a film to watch " The Big Short" it may show you how they set up this [problem] in the first place.

 

Good luck and keep everything in writing recorded and or taped that's my advice as they will deny everything.

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Hi , They changed the accounts over as the company was sold on again back in November 18.

 

Obviously no one knew this as they kept it quiet but if you ask for a statement you will see it in black and white.

 

Apparently it's being disguised as an account upgrade to there system.

 

Northview own Kensington now so expect your rates to go up and up. Funny enough I believe they also own Southern Pacific now and you'll never guess what it's all ran by the same crooks that ran it before.

 

Check out the directors of SPML , Kensington and Northview , it's all the same people just appointed one day, resigned the next and appointed to one of the others for a few more months(it appears) and off again.

 

More slippery than wet manure

IT STINKS THE WHOLE LOT OF IT.

 

Let's just keep the faith that one day soon they are all bought to justice and the luxury 6million pound homes that most of us have paid for, are subjected to the indefencable behaviour we have suffered over the years. After all , most of the Lehman outfit the other side of the pond have faced jail time so it's just a matter of time before the penny drops here and justice is dished out to these in bucket loads .

 

As a footnote to all may I suggest a film to watch " The Big Short" it may show you how they set up this [problem] in the first place.

 

Good luck and keep everything in writing recorded and or taped that's my advice as they will deny everything.

 

Northview have owned them since 2016 pos before?

 

Theresa May opened their new offices

 

https://www.businessmag.co.uk/maidenhead-theresa-may-opens-northview-groups-new-headquarters/

 

Looks to me that they have changed account number as they are trying to hide what went on before.

 

LL

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Lester,

 

We, as in most of the normal working class , were not informed by phone, txt, email or god forbid a letter that we knew that this underhanded deal was done in 2016 , my accounts via sar and letters confirm the sale and or accounting or restructuring or whatever Else you wish to call it, ( I have my own version) ,

 

Not long before the bricks come tumbling down on these sharks and we all get vindicated, it just takes a few judges to show some balls and agree that thee re out and out crooks who have made a very healthy living out of the underclass or the ill informed , fight fight fight al, the way at court and have the confidence to challenge everything they say because it's all make believe, and ask the judge not to award costs at any level.

 

Let's get the top people to face the judges and not the underlings who are trying to make a name for themselves and get more businesss for there clients . They know it's not within the law but money is money and they also need to pay the bills or just keep there job as most are on targets these days.

But honestly, they take an oath and it is severely compramised when they are telling "untruths " in front of the crown.

I hope that when this is all properly exposed the solicitors who represent Kensington and SPML and other similar outfits are struck off the register for life.

 

Can they pay there bills when they are out of work or struggling !!!!!!

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