Kensington - Eviction Notice

[stegly66]

Please could someone advise me if at this late stage there is still sufficient time to submit an N244 to try

and prevent a repossession that is scheduled for Monday 9th June at 10.15pm.

 

The earliest I could get to the court would be Monday morning which I'm assuming wouldn't give them sufficient time to schedule a hearing.

 

I've tried to negotiate with Kensington (they're enforcing a suspended possession order)

but they've told me that the affordability isn't the issue,

they just don't think I'll keep to any new arrangement.

Thanks

[rebel11]

Hi stegly66

 

Welcome to CAG

 

Your post has been flagged up.

[caro]

It isn't too late to get a hearing next week. If you can show the court that you can afford your payments and something off the arrears.

 

Read ell-enn's repossession guide at the top of this forum. You'll find a budget form there that you need to download and complete.

Edited May 30, 2014 by caro

[National Debtline]

Hello there,

 

As Caro has mentioned it's not too late to stop the repossession if you can pay the mortgage plus a little towards the arrears. You'll need to be able to show the court that you can clear the arrears within a 'reasonable' period of time - this could be the rest of the mortgage term. You can read a little more about stopping action and correctly completing the n244 here.

 

Best wishes,

 

David @ National Debtline

twitter: @natdebtline

[stegly66]

I'm preparing my N244 form and statement to take to the court tomorrow morning

and just wondered if anyone has any insight or opinion on one of Kensington's objections to making a new arrangement with me,

which is they cannot understand my bank statements and therefore cannot assess affordability.

 

My three children (all over 18) use my bank account on a regular basis as my eldest son lives in Cyprus

and he uses my account to pay for things in this country as it's easier,

 

my daughter doesn't have a debit card so uses my account to pay things

and all three of us transfer money amongst ourselves regularly.

I now this sounds strange but it works for us.

 

If my son in Cyprus is lending my daughter some money, which happens frequently,

he sends it to me and I give it to her as apparently he has had difficulty setting up new payees on his account as he's abroad.

 

My youngest son is for ever ringing up and asking me to put some money in his account as he's run out

and he'll give it me back when he gets home.

 

Money is therefore transferred between the three of us on a regular basis

and some payments that come out of my account are not mine.

 

As I say, this works fine for us and I have no problem with this but

Kensington have advised me that I should seriously consider stopping my children from using my account in this way

as it will lead to my home being repossessed.

 

I have said that it's none of their business but their response is to agree,

but then tell me I'll lose my house because of it.

 

Does anyone think the judge would agree with Kensington on this one?

[caro]

How dare they!!! They have no right to see your bank statement. Not even the judge will expect that. You just do the budget sheet honestly so you are sure that you can afford payments and some off the arrears. The judge will decide and kenny's will have to accept it.

[stegly66]

Thanks Caro...I wasn't aware that they had no right to see my statements. To be honest, I wasn't too fussed about them having a look as I'd warned them that they wouldn't be able to make head nor tail out of 'em but their condescending attitude towards what I allow my children to do really wound me up.

[stegly66]

I have now finished my statement to go with the N244 form. Would anyone be able to kindly have a look at it to see if it's ok or not? Any suggestions if it's not would be much appreciated. Not sure how to attach it though...any suggestions?

[dx100uk]

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

you can click on your links to check them too!

.

dx

[dx100uk]

time to start to fightback too

 

Hi

.

Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator

for treating borrowers who were in arrears unfairly.

.

Claim those charges back plus the interest and tell them not to add any more to the account.

.

There are a few news stories here you can get the info for a letter to send to them.

.

http://news.bbc.co.uk/1/hi/business/8615870.stm

.

http://www.telegraph.co.uk/finance/p...y-the-FSA.html

.

http://www.fsa.gov.uk/library/commun...2010/065.shtml

.

http://www.guardian.co.uk/money/2010...mortgages-fine

.

http://www.moneymarketing.co.uk/news-and-analysis/mortgages/fca-orders-kensington-to-change-unfair-mortgage-terms/2005762.article

http://www.mortgageintroducer.com/mortgages/236498/5/Industry_in_depth/Thousands_of_homeowners_set_for_big_mortgage_refunds.htm

[stegly66]

I hope this attachment is ok.

[stegly66]

I had a call from Kensington on Wednesday morning, a couple of minutes before I was due to set off for the court to hand in my N244,

asking me to go through my income & expenditure once more.

 

I reluctantly agreed but told them in no uncertain terms that I thought they were pulling my chain.

 

to cut a long story short,

 

I then got a call later in the afternoon to say that if I made an immediate payment of £100 to show good faith,

they would accept my offer of an additional monthly payment of £100 towards the arrears,

which was my offer right at the beginning, and cancel the eviction.

 

I made the payment and I have now received confirmation in writing that the eviction is indeed cancelled.

 

Although this is obviously a great relief,

 

I'm so bloody angry with Kensington 'cause it appears that they've just been playing games and been on a big power trip all this time.

 

I would say that they've gained absolutely nothing from all this, but then again I've no doubt I'll have some pretty hefty charges added

to my account just to add insult to injury.

 

I've actually paid a deposit for rented accommodation which I now won't get back as I was expecting to move out this weekend

but I hope this shows other people in this position that there is always a faint glimmer of hope to cling to & not to give up,

however late in the day it may be, especially

markez78uk

& olive.family..

 

.I sincerely hope it goes well for you.

[dx100uk]

never forget to reclaim those PENALTY/Arrears fees

 

dx

[markez78uk]

ell ive sent you a private message

I'm in the same boat again and Kensington have gone for an instant eviction with no hearing on the 8th of sept

I need to submit an n244 to and try and save the house

regards mark