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Kensington SPO ***Resolved***


markez78uk
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So all has been paid on time and I haven't heard a peep from them .also the complaint is still with fos

However we can't afford to make the 30th April payment untill the 15th of next may and the 15th every month thereafter . Wife has a payment date change .I have called them and advised and also written to them .. 

They state my account is not edible for a payment date change ..

 

 

So they will proceed with legal action ...

 

Regards

Markez

 

 

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again theres those words again..i have called them..STOP CALLING THEM>!!

 

if you have these situations again whereby payment cannot be made

write them a simple brief letter.

 

stating

our wages payments have now charged

this means payment will not be made on date  XXXXXX of the month

this will now be made on date XXX of the month

all following monthly payments will now be made on the XXXXX date of the month.

 

let them be pigheaded and try court again.

you know what to do

and will win again easy peasy.

 

 

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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Thanks DX 

I only called them as I had no response to my letter.

And just wanted to know if they had received it and also there is nothing worse than the eviction letter arriving completely out of the blue ..

 

I'm even paying more than what the court order was for ..so hopefully that would go in my favour ..

 

See what happens and I will keep you posted .

Regards

Markez

 

 

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you never ever call them!!

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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On 26/04/2019 at 20:37, markez78uk said:

So all has been paid on time and I haven't heard a peep from them .also the complaint is still with fos

However we can't afford to make the 30th April payment untill the 15th of next may and the 15th every month thereafter . Wife has a payment date change .I have called them and advised and also written to them .. 

They state my account is not edible for a payment date change ..

 

 

So they will proceed with legal action ...

Oh bloody hell 

Regards

Markez

 

 

 

Be careful with them! When we were with them I rang and paid all arrears and they stated £0.00 owed. Going forward paid DD on time. 

Called after payment and asked if we were up to date NO!  We owed 92p as they had mis calculated! So I paid it and asked if our credit would be marked in default. No as it is under £1.00. I went mad, they admitted they wouldn't have told me so the next month they would have marked our credit and before we knew it we would owe hundreds.  He eventually agreed with me. 

How many people have they done this to? Scumbags

 

LL X

Edited by lesterlass
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Markez,

 

You only pay what the court order tells you, not a penny more. So your payment date changed, no big deal! It happens all the time.

 

Trust me IF they decide to go through court the judge will certainly go against them. Further, they are putting you in a vulnerable position by demanding MORE money from you which could put you in financial hardship. Clearly they are not working with you but against you. 

 

They have a duty of care to look after clients. 

 

The courts know all about bout these cowboys and in your case they would be laughed out of court, don't forget to refuse the notorious third party charges which they seem to slip on to the account.

 

i know you maybe feel the underdog but stay strong , you are making the payments all they can do is threats and more threats , this is harrassment and is now a serious offence which can result in them facing the FCA AGAIN with more sanctions or revoking the licence. Just think of all the stress and worry over the years they have put you through, it's harrassment. !!!

 

if all the VICTIMS stuck together and provided the FCA with evidence they would act a lot faster than they do.

 

above all at this time my advice is 

 

Do not contact them but if you feel you have to record every second of it because they deny everything. 

 

My saga has been ongoing with them for over 10 years and they have tried every trick in there underhanded book, from false accounting to misleading the courts with pure B******t.

 

Interestingly, they have just changed solicitors again, maybe the old firm realised they were complicit in illegal activity they thought to get out while the goings good!

 

it will all come out in the wash very soon I'm certain of this.

 

keep fighting keep strong keep records keep off the phone.

 

best wishes

 

 

 

 

 

 

 

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  • 3 weeks later...

Hi all just an update<

 

I wrote to them and the letter goes along the line of due to a change in employment we are unable to pay at the end of april but we will be paying you on the 15th of may the full cmi + extra £200 towards the arrears as there has been a date change with my wifes new job and every month there after on the 15th  we will be paying the cmi and extra £200 towards the arrears  this was dated the 26th of april .

and we paid the cmi + £200 on the 15th of may 

 

their response has arrived today dated the 15th of may 2019 

 

we write in reference to your letter dated 26th of april 2019 

please contact us on the number above to with your income and expenditure details to hand so we can discuss your circumstances further,

 

you can pay at anytime of the month as long as the payments are made before your due date.

 

you have advised you are going to pay your monthly instalment however you have not advised us how you are going to address the payment arears !!!!!

 

you are at risk that the warrant will be enforced and an eviction arranged for your property 

if you have any questions about this letter or you are not sure what to do next please contact us on the number shown above .

 

this company are unreal

- my letter Cleary shows I have offed the cmi + the extra each month for the arrears I even typed the offer in red so it stands out ..

 

arghhhh don't know what else to do now

- as they are making out im not addressing the arrears 

 

and they haven't listened they are telling me to call them

- I have written to them several times stating no calls :(

 

jesus the panic this causes is unbearable 

 

regards

Markez

 

 

 

 

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ignore them

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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Even the fact they want an income and expenditure form ?? I've forwarded the reply to fos as our letter clearly states we have advised the date of the cmi payment along with the offer for the arrears ...

Regards

Markez78uk

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stop licking their boots

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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If there has been a change in employment, then it may reasonable to provide details that you are still able to make the agreed repayments including the amount towards arrears.

 

if you just told them of a change of employment, without advising whether incomes have changed, then I could see why a letter has been sent to you asking for income and expenses info.

We could do with some help from you.

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Hi Maekez,  is your wife going to have to go 6 weeks without pay?

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

 

 

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Think you need to keep mortgage company informed of income changes, if you have simply informed of change to employment. 

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

 

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I have written to them to advise of income change and employment change ..

they haven't even acknowledged the income change .

.they just stated I have advised about how I'm paying cmi but not addressed how I'm paying the arrears ..

 

I have a court order in place to pay the cmi + 200 extra they know this .

However they still threatening me with eviction .

And demanding more income and expenditure

 

I will send that in to them and see where we go as they will probably demand more again as the income is now higher .

But they are only having the extra £200 as inline with the court order .

 

Regards

Markez

 

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  • 1 month later...

I paid them cmi plus the extra £200 

Past 2 months ..and now a letter has arrived today from a different solicitors Lightfoot solicitors stating Kensington have obtained an order for possession and they have been instructed to enforce it !! 

 

I can't believe this ..

They stated on last letter that the warrant may be enforced if I didnt fill in an income and expenditure of which I did .. 

I presume this is also because the fos have stated they have found nothing wrong with kennys young the cmi every few months ..

They have stated the eviction will be in 14 days ..

I've had nothing from the courts either !! 

What should I do 

Thanks 

Markez 

 

I'm sat in a right heap . Crying my eyes out .

I can't cope with all this again 😭😭😭

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may or will

scan it up

read upload pdf only

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'm not at home at the moment ..I'm at work but I will do .when I get in .

It states are client has obtained a posession order and we are now instructed to enforce that and we enclose notice of this ..😭

 

The last letter stated 

We write in refert to your letter dated 26th April 2019 

Please contact us on the number above with your income and expenditure details to hand so we can discuss your circumstances further .

 

 

You can pay any time of the month as long as payments are made before your due date .

You have advised you are going to pay your monthly installment however you have not advised us how you are going to address the payment arrears balance .

 

You are at risk that the warrant will be enforced and eviction arranged for your property .

Please contact us on the number shown above...

 

 

I wrote to them and advised when I was paying the cmi and how I was going to pay the arrears !!

I sent the letter special delivery signed for and it clearly states what I was paying for the arrears and also clearly states when I will be paying them ..

Regards

Markez 

 

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ignore it says 'instructed'

 

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... 

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can I make a polite suggestion

please do not ever communicate with anyone ever again on this without checking here 1st its ok to do so.

don't poke the lion.

 

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... 

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Hi DX 

I'm a little confused ? Ignore the letter from the solicitors ? Stating they have been instructed to enforce the order ? 

 

Also what do you mean by don't communicate with anyone again ? U mean sending stuff to Kenny's ? 

 

Regards

Markez

 

They have also slapped a £60 enforcement charge onto the account . As I've just logged online ...to check my account .

Thanks 

Markez

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I can instruct my dog to sit

id it does is a totally diff matter.

 

its a std automated threat-o-gram

ignore it!!

 

do not ever communicate with anyone regarding this issue without checking here 1st ever again.

 

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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Ok thanks DX .

I have also received another letter dated the same date as the eviction letter .

From lightfoot solicitors stating they have taken over from eversheds . And they have sent one to the District judge .

 

The intruct for possession order letter says I have at least 14 days before the eviction goes ahead .

If they have applied £60 enforcement fee to my account .that tells me they are enforcing the eviction 😭

 

Do I now sit and wait for a court lwtter from the balliff ? 

T

Thanks for your time and also thank for replying .

Regards markez

 

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sounds like they are applying to the court for an eviction warrant so you should wait until you get the notification and we'll deal with it as before.  Why do they think you are in breach of the suspended order?

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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I can only assume it's because I missed April's .payment .

I wrote to them and advised wife changing jobs 

And explained how and when I will pay the cmi + court order towards the arrears may and June .

 

They wrote back middle of may and stated I had explained how I was paying cmi but hadn't explained how is as paying arrears and I was at risk of the warrant being enforced and I needed to send a new income and expenditure in .

 

I clearly stated how I was paying cmi and arrears in my letter .

Which I sent special delivery to them signed for ..

I've paid cmi plus court order .

May .

June and

about to pay July's (28th) 

 

However I did manage to get the possession order put on hold from earlier in the year while the fos looked into my complaint .

 

They have now completed the complaint and said Kenny's are fine upping the cmi every 3 months due to the terms of my mortgage and closed the complaint . 

 

5 days later Kenny's ask solicitors to claim for possession .

I've had no other letters or phone calls since may 15th ! 

And paid on time 

 

It's a massive shock

.it's as if they are getting me back for going to fos and because they awarded in Kenny's favour .

They are still proceeding with the earlier order that was put on hold ..

Thanks

Markez

 

 

Thanks ellen

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  • Andyorch changed the title to Kensington SPO ***Resolved***
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