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Mrs F v Kensington Mortgages


MrsF
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  • 4 weeks later...
I am using a CMC and have been advised that my loan with these is Unenforceable and its currently going through the legal process now. Until recently I was being charged just under 13%. It wouldnt surprise me if they have dropped my rate this month knowing my agreement is unenforceable

 

Hi Steve what is a CMC and why does it make your loan unenforceable.

 

I too, I'm with kensington and going to repossession hearings soon. they've added a penalty loading which they've verbally said should be removed from Dec of last year and yet they still have it applied to my account today.

 

If you wanted to get them for unfair terms what would be the best way to go about this...????

 

Help from all and sundry.

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  • 2 years later...
  • 8 months later...

All, I have recently had yet another battle with Kensington ("KMC").

 

KMC claims that I have arrears of 6 + months.

 

I claim KMC has:

 

 

  1. manipulated and used the incorrect Libor rate;
  2. employed mortgage terms and conditions which are unfair and have been found to be so by the FSA in the Cheshire Mortgage case;
  3. may well have sold on my mortgage without notifying me;
  4. has not notified me of the Kensington Variable rate in breach of the mortgage terms & conditions;
  5. charged mortgage arrears fees which are excessive and have been found to be so by the FSA in the DB and GMAC cases;
  6. has charged interest on the capitalised fees in 5 above

Bottom line: do not cave to KMC: fight fight fight and they will cave!

 

Do not let the bottom feeders win!

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