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Kensington Mortgages Charges REclaim


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use open office

 

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...
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are we talking about 2 secured/loans/mortgages here?

 

I thought it was kennys you were after.

 

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

I am starting with the broker.

 

He filled in forms and forged my signature on some of the documents.

 

I got all documents from kensington and it's plain fraud what has gone on.

 

However broker now closed.

 

I have taken legal advice free from my nursing union.

 

I was sold a self cert heavy adverse mortgage despite full time employment with payslips and a good credit rating.

 

I have the copy of my credit report from 2006 in my documents.

 

So why was I sold a mortgage like that???

 

My fight has now well and truly started.

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god that sounds bad.

 

if there is provable fraud involve

 

i'd recommend involving actionfraud

 

as well

 

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

I know terrible. I am totally shocked at what was in the SAR documents. I think I should receive financial compensation for all the misery I have endured. However I doubt I will after reading the FOS website.

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Hi

I was hoping someone could help me with my calculations, as Kensington have only given me £480 interest for 7 years of charges, below are the figures and int at that time

April 2007 £25.00 Int rate was 8.45%

May 07 £25.00 Int rate 10.45%

June 07 £50 int rate 10.75

july £25.00 same rate

Aug 07 £25.00 same rate

Sep 07 £50.00 int rate 11.55

Oct £50.00 int rate 11.55

Jan 08 £50 int rate 11.55

Feb 08 £50.00 rate 11.55

Mar 08 50.00 rate 11.30

apr 08 50.00 rate as above

sept rate changed to 11.20

dec 08 rate changed to 9.70

feb 50.00 rate 9.70

mar rate changed to 7.80

Aug 09 £25.00 rate 7,05 changed to this on june 09

nov 09 £50.00 rate 7.05

Jan 10 £25.00 rate still 7.05

mar 10 £25.00 rate same

june £50.00 rate 7.15

jul 25.00

sep 50.00 rate still 7.15

oct 50.00 rate same

nov 50.00 same rate

mar 11 50.00 rate still 7.15

apr 50.00 rate 7.25

may 50.00 same rate

june 50.00 same rate

sep rate chages to 7.30

jan 2012 rate now 7.45

july 12 rate 7.50

sept 50.00 rate now 7.35

oct 50.00 rate still 7.35

dec rate 7.25

jan 13 50.00 rate same

feb 50.00 same

mar 50.00 same

may 50.00 rate same

rate remains 7.25 still today

Your help greatly appreciated.

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you can use an average int rate

 

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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pop every fee in the spreadsheet of post 24

 

and putt hat figure [int] 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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  • 4 weeks later...

own thread created

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 months later...

Hi there... Going through the same thing with these guys. My mortgage was sold through TML who also have ceased trading.

 

I reckon need to go via The Financial Services Compensation Scheme. If your broker has ceased trading and have no money they will be classed as defaulted which means you are eligible to make a claim.

 

I too am going in on the fact I was engouraged to go self cert when hubby was employed, also we thought that TML would search the market. They in fact searched as far as their owners (Kenny's owned TML)

 

Good luck and keep us posted

 

Olives xx

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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Hi Olives

 

I am currently going through this, Delottie are dealing with my claim via FSCS . Be warned they went all evidence original mortgage offer docs, statements, the lot do be prepared to send a huge amount of supporting evidence. Luckily I had taken advice from here. So just waiting from their decision

 

Good luck

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Hi Olives

 

I am currently going through this, Delottie are dealing with my claim via FSCS . Be warned they went all evidence original mortgage offer docs, statements, the lot do be prepared to send a huge amount of supporting evidence. Luckily I had taken advice from here. So just waiting from their decision

 

 

 

 

Good luck

 

 

Thankfully I recently SAR'd KMC and got three boxes of paper work delivered via courier so hopefully will have all the info I need from in that.

 

I understand it's going to take about 6months for a decision as well... I hate waiting!

 

Can I ask what you have actually asked for back as in what charges, and any sort of compensation ?

 

Olives xx

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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  • 5 weeks later...

Hi

 

Well I did some research on the subject, and there was a case that the FSA investigated. They found in favour of some charges, yeah I know not fair. However they did uphold some of the claim. In situations where some monthly payment was made, 50% charges should be refunded. Where no payment made in that month, KMC can apply the £50 charge. Where full payment made that month a full refund must be offered. I was not given 8% interest. The case is on the FSA website. I accepted my losses. I accepted the part payment offered. As the president is really now set.

 

Good luck

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Let's hope the FSCS complaint will work for you xx

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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Just a reminder

A court would not always agree with the FSA. The FSA does not necessarily create precedents.

 

Hi

 

Well I did some research on the subject, and there was a case that the FSA investigated. They found in favour of some charges, yeah I know not fair. However they did uphold some of the claim. In situations where some monthly payment was made, 50% charges should be refunded. Where no payment made in that month, KMC can apply the £50 charge. Where full payment made that month a full refund must be offered. I was not given 8% interest. The case is on the FSA website. I accepted my losses. I accepted the part payment offered. As the president is really now set.

 

Good luck

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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  • 1 month later...

Hi

I have now filled in the FSCS application and sent off a pile of evidence. I rang them yesterday who told me my claim for mortgage mis selling is now at the final stage? I think there will be a lot of people who got a rubbish mortgage via Best ad vice mortgage network ltd. it's taken months but just hope I win. As I have read not many are successful.

 

Thank you

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great work

 

we are all fighting for you

 

it would be a good win and clip their wings ifsuccessful

 

about time too

 

there are 1000's of people they did there things too

 

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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Eekk...I hope you get an answer soon. Mine has been with them now for a couple of weeks and I cant bare it. They are fast teaking it for me but its still going to takd forever.

 

Everything crossed for you

 

xx

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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  • 4 years later...

Hello

 

I have a question.

 

I have had a mortgage with Kensington mortgage co since 2006.

In 2007 I took a second secured loan for £1000.

 

Over the years I was charged £50 arrears fees etc.

I received monthly and annual statements.

 

my secured loan with them which has its own account number, was also charged.

in reality I was charged £100 for arrears letters.

 

due to not receiving a letter for my second charge informing me of this charge each month.

never have received a statement.

 

only just discovered they have actually been double charging me for both accounts, but sending only one arrears letter for the first charge.

complained but they are claiming the 6 year rule.

 

it was only by chance I found out about there charges.

They have clearly concealed this from me for all of these years.

 

Help and advice please!!

Edited by dx100uk
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Thread moved to the appropriate forum...please continue to post here to your thread.

 

Thread title updated.

 

Regards

 

Andy

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

 

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