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Kensington Mortgages Charges REclaim


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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?

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get all the statements by SAR

 

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

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.

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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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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.

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

 

wait the statements.

 

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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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

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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 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 think you have a good case here

 

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

 

 

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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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?

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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

 

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

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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 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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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.

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refuse it!

 

pointout their errors

inc CI.

 

but i'm doubtful of solicitors fees mind

 

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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you charge them at THEIR INT RATE COMPOUNDED

 

CISheet v101.xls

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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use an avg

 

put that APR in cell D15

 

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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  • 2 weeks later...

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

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CISheet v101.xls

 

put their int tate in cell D15

 

list EVERY PENALTY fee

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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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

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