help please kensington mortgage ge money house repossessed - still a mess

[deb66]

morning all

 

i think im going to claim against kensington on behalf of my two sis in laws

 

 

one of whom lost her home and is now in rented although she didnt keep up with payments (split up with partner) and they repossessed her home she hasnt even got any paperwork from the repossession etc but i KNOW there will be loads of charges there

 

also other sis in law who is being hammered by £50 charges often

 

what i find is strange is the fact that in the last week i have rang one has said she is in line with the court order imposed at £9 per month above the contractual £199.99 per month and the other said she is in arrears to the tune of £400+

 

she was on a payment plan although in default according to phone call 2

 

she was in default according to number 1 however when i asked in line with the court order they said in default by 40p so we promptly paid £1

 

on her credit file last time she defaulted was may

 

they just tried to add councellor fees on but i cancelled this

 

she has recently been treated for mental health issues and has been told to get letter from gp which we have requested and will forward a copy to them

 

 

 

in the first instance i am going to sar on behalf of the two SIL's

 

wish me luck i will update as we go along here

[deb66]

with my limited knowledge i would say go for it what have you got to lose good luck x

[Baba02]

Hi

I would agree SAR them, get all the facts and figures. I tried to get the cancelled counsellor visits charges back. Sadly no reference was made to this fact in letters or telephone transcripts so this was refused. A lovely chap called Arran Parry sorted all of mine out. He works for kensington and seems a reasonable man. My advice would be do everything in writing. If it's not written down it didn't happen

 

Good luck

[deb66]

hi all

posting on behalf of my sister in law

 

she had a house with mortgage that was repossessed in oct 2012 mortgage was with kensington...she owed approx 145,000

 

secured loan on house with GE money taken out late 2007 for 22,500

 

house sold after being repossessed in oct 2012 for 160,000 in may 2013

 

outstanding mortgage paid off and 15,500 went to secured loan with GE money

 

i rang GE money today after 15,500 paid to GE money outstanding debt lies at £31,458.57

 

default letter sent by GE money in april 2008 actually soon after the loan was taken out

last payment made £190 september 2011

 

how has the loan developed like this

 

i am going after charges with kensington but with this lead them to her with regards GE Money?

 

is it worth going after GE money for charges?

 

should she try and hide until statute barred

 

she is on benefits and homeless....atm single with 3 children 12 , 14 and 16

 

she is totally useless with money but i found what she still owed pretty unbeliveable

 

any advice etc please much appreciated im not sure if this is posted correctly please feel free to move or advise many many thanks

 

i havent really got much more info as she has buried her head in the sand and still does she can remember some months kensington charging £200 in charges etc we havent any paperwork but do have account numbers

 

anyone please

 

Default help please kensington mortgage ge money house repossessed - still a mess

hi all

posting on behalf of my sister in law

 

she had a house with mortgage that was repossessed in oct 2012 mortgage was with kensington...she owed approx 145,000

 

secured loan on house with GE money taken out late 2007 for 22,500

 

house sold after being repossessed in oct 2012 for 160,000 in may 2013

 

outstanding mortgage paid off and 15,500 went to secured loan with GE money

 

i rang GE money today after 15,500 paid to GE money outstanding debt lies at £31,458.57

 

default letter sent by GE money in april 2008 actually soon after the loan was taken out

last payment made £190 september 2011

 

how has the loan developed like this

 

i am going after charges with kensington but with this lead them to her with regards GE Money?

 

is it worth going after GE money for charges?

 

should she try and hide until statute barred

 

she is on benefits and homeless....atm single with 3 children 12 , 14 and 16

 

she is totally useless with money but i found what she still owed pretty unbeliveable

 

any advice etc please much appreciated im not sure if this is posted correctly please feel free to move or advise many many thanks

 

i havent really got much more info as she has buried her head in the sandicon and still does she can remember some months kensington charging £200 in charges etc we havent any paperwork but do have account numbers

[renegadeimp]

Ge love to add on various charges and interest and hope you dont know it. SAR them and get the full story.

[citizenB]

I suspect that this will not be statute barred for 12 years as it is a mortgage loan.

 

You need to establish how the debt has accrued. You can do this by sending a Subject Access Request - it will cost you £10.00 (statutory fee) and entitles you to receive all data in respect of the financial relationship.

 

They have 40 calendar days in which to provide this information.

 

Once you have the data, you should be able to see how the debt has accrued - whether there was any Payment Protection Insurance included and what the charges amounted to.

 

If there was PPI and it was mis sold this can be reclaimed. Almost certainly there will be admin fees and charges that can be reclaimed.

 

I have linked you to the SAR draft and also the letter requiring them to repay you the charges. Do not send the Charges letter until you have all the data you require from the SAR.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request - SAR draft you need to enclose £10.00 with this letter. Send it recorded/special delivery to their Head/Registered office.

 

 

Letter below for reclaiming charges.

. http://www.consumeractiongroup.co.uk/forum/showthread.php?390026-Mortgages-Reclaiming-Charges

[deb66]

thanks guys ill update as and when cheers

[Conniff]

Two threads merged. Stick to this one now Deb.

[deb66]

I have nothing more to update as sister in laws cheque bounced and I'm not in a position to keep funding her. However will keep pressing her to sort it out and update as and when