Jump to content


  • Tweets

  • Posts

  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
Baba02

Kensington Mortgages Charges REclaim

Recommended Posts

I have tried to leave them.

 

I had a lender but then kensington put my October payment as missed.

 

It was paid as normal by direct debit as normal.

 

I wrote to them to complain and they wrote back saying it was not processed until 4th November.

 

I cannot try to move lenders for another 6 months as it is showing on my credit file as missed

but was indeed made as normal from my barclays current account.

 

What can I do?

Share this post


Link to post
Share on other sites

get all the statements by SAR

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Hi DX

Have sent SAR request today with my £10 post order.

 

I have sat and worked out I have over £8000 in charges.

 

I will move lenders in the spring.

 

The will start my claim.

 

They have come close to destroying my life and will hound them like they have me.

 

Have paid over £70k back and still owe more than I borrowed 8 years ago.

 

And on a repayment mortgage.

 

Desperate to leave this loan shark of a company.

Share this post


Link to post
Share on other sites

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Thanks DX

 

I would like to outline my problems.

 

My original mortgage on 12/4/2006 was for £107k at 7.25 % over 25 years.

 

Everything was OK until I has attacked at work and was off a long time.

 

I missed 6 payments, and

Kensington recapitalised £10,592.34?? on 6/7/2011.

 

However I still owe as of today £112,245.00 despite paying each month,

and simply cannot get my head around it.

 

I have had a huge amount of charges

the famous £50 arrears fees,

field agents,

solicitors,

you name it I have endured it.

 

I have a well paid and good job, and want to leave ASAP,

 

What I really want to know is how I owe so much still after all these years????

AND can I get the money back?

 

if so how I do it,

 

any advice from members wiser than we greatly appreciated.

Share this post


Link to post
Share on other sites

reclaiming is the way that's for sure on the charges/fees/debt advisor etc

 

wait the statements.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Hello consumer warriors.

 

I have found old documents from digging in the attic.

 

Best advice mortgage network ltd sold me a self cert mortgage in March 2006.

 

I sent in my pay slips as worked in nhs as a nurse.

 

Not only that it was a heavy adverse mortgage, which I didn't have in march 2006.

 

Feel I have been sold down the river, the advisor received over £4000 in fees. I was totally blind.

 

I feel very upset at what I have been through.

 

I have discovered best advice were fined for dodgy advice and has now closed as I drove to the office today and note on the door.

 

Is there anything I can do?

 

Or just accept I am a idiot

Share this post


Link to post
Share on other sites

http://www.moneymarketing.co.uk/news/best-advice-mortgage-network-gets-fsa-fine/130799.article

 

blimey yes

 

hits you date perfectly

 

so they've folded?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Hi DX

 

Yes they were closed feb 2013. Any idea what I do?

 

Thanks

Share this post


Link to post
Share on other sites

I think you have a good case here

 

£4k commission on a self cert mortgage...urm.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Hi DX

 

It's £3910 plus I paid them another £695 when it completed. So over £4000 in real terms. I have worked at same place since 1999

 

Thanks

Share this post


Link to post
Share on other sites

I had a phone call from kensington today.

 

Spoke to a very nice gentleman who saw my post on here.

 

They have reviewed my account and have agreed to repay some of the "fees"

 

I will get 100% back on the months I made full payment,

 

50% back on months I made part payment and none back on the months I missed.

 

I can't have back solicitors fees

 

they will consider the field agents fees.

 

What do you think?

Share this post


Link to post
Share on other sites

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Hi DX

 

It works out about £870 less than the total amount in charges for the £50 fee only.

 

Solicitors fees were nearly £1000

 

Should I accept the £1500

 

I note other got 8% interest I have not been offered this.

 

But agreed to re work the interest and take off mortgage total.

Any opinions welcome

 

Thanks

Share this post


Link to post
Share on other sites

its p'haps better to remove the solicitors fees

 

as it 'appears' mortgage companies are allowed to levy these even outside of any 'running' court case.

 

pers I don't like that statement, but legal is not my exact game.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Hi DX

 

Thank you for your support. Will accept their offer. Strange how they knew it was me. Donation on its way

 

Thanks again

Share this post


Link to post
Share on other sites

Hello

 

I have received the letter from Kensington,

stating they will pay me £1425.00 of the £50 arrears fees charged to my account.

 

I have a total of 50 of them which makes £2500,

this is excluding field agents fees etc which they will not pay,

and solicitors costs of just over £1000.

 

I feel I am been made a fool of,

as was expecting more,

and at least 8% INTEREST.

 

there is no mention of the compound interest that is probably enormous.

 

I have sent in for the SAR and really don't know what to do.

 

As I have to send back a signed declaration that that's it,

but feel really let down.

 

Any advice welcome.

Share this post


Link to post
Share on other sites

refuse it!

 

pointout their errors

inc CI.

 

but i'm doubtful of solicitors fees mind

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Hi

They offered me £1425 for £2680 worth of charges I am going to write back as DX advised and reject it as I also want 8% interest on top.

Good luck!!

Share this post


Link to post
Share on other sites

you charge them at THEIR INT RATE COMPOUNDED

 

CISheet v101.xls


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Hello DX

 

How do I find out what their interest rate is? I have a list of what my interest rate is. A range from 7.25- 11.55

Thanks

Share this post


Link to post
Share on other sites

use an avg

 

put that APR in cell D15

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Hi

 

I got a huge pile of info from my SAR request.

 

I have gone through all the charges.

 

I am speechless at what is within the files.

 

I have a maths and physics degree so have worked out each month compound interest for the last 7 years and shocked to discover it worked out at over £18000 huge amount!!

 

I have a friend who is an accountant so will get my calculations checked.

 

Then will send my request to kensington for payment.

 

I can imagine they will put up a fight.

 

Any advice???

Thanks

Share this post


Link to post
Share on other sites

CISheet v101.xls

 

put their int tate in cell D15

 

list EVERY PENALTY fee


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Hello DX

 

Sadly I cannot get that spreadsheet to work, so sat down with a long list of the charges and the interest rate charged at that time using compound interest calculator. Over 84 months.

 

Thanks

Share this post


Link to post
Share on other sites
Please fill in your quit date here

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...