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    • Defence submitted. On my clear score report there doesn't seem to be any date of default noted, nor can I see where that might appear. When they responded to my CCA and CPR requests they didn't give me a default date either. So, what happens now? Is it likely that I'll actually have to go to court over this?
    • Hi Andy, thanks for the reply. I guess I will need to get copies of the agreement to check that, which may take some time.   What do you suggest I should I do in the interim, as I'm conscious the clock is ticking on needing to AOS?
    • Hi everyone    ive had a card in an envelope hand delivered today from Resolvecall asking me to contact them urgently.   i want to ignore it but I’m not sure that’s the best thing to do?   i had some issues some years ago which have now all been resolved to my knowledge. Anything that I may have overlooked will be way over 6 years, I now have a very healthy credit rating with nothing on any of my credit files.   I have no idea what these people want and this is the 1st contact.    can someone point me in the direction?   thanks    mike 
    • I've been reading up on cases, especially the HSBC vs. Carey. Am I missing something?  It appears to be the conclusion that the decisions in this case meant that regardless of what date  credit agreements were entered into, a claimant no longer needs to produce a signed copy - or even original copy.  It appears that a reconstituted copy of agreement is acceptable by a court and any judge that seems to be swaying towards using it as a reason to find against a claimant could easily be reminded or prompted by their solicitor.  How do I defend my case to be any different?  It will clearly be a case of :   It looks like you probably had a credit card. They've produced a copy of original agreement and added your name and address - so that's good to go. They've got a statement showing a balance outstanding. Therefore, game up - why are you even bothering to defend?     I am working on my "Formal defence"    Can I just ask for some "bullet points"   So far - my main arguments will be that the requested "credit agreement" is not a credit agreement - it is a barely legible application form - which does not bear any account numbers which correspond with the statements produced by the claimant nor match the agreement number included in the original claim (POC).  Secondly, as helpfully highlighted by DX, their WS is relying on a screenshot of "the claimant's predecessors system screen" to show that a default notice was issued on 08/06/2010; clearly there is no copy of said Default notice. Other items I have up my sleeve - should I include? - are the discrepancy in the amounts owing between the Assignment notices - Lloyds stating a figure in excess of £6k (dated 29/6/19) and a letter from Hoist informing me of this assignment but stating an outstanding amount of £4.5k (the amount of the claim).  Clearly, the lack of reference numbers - i.e. their claim does not match the 16 digit credit card number shown on the numerous statements they have included in their WS. And do not match a number shown on the blurry application form. Also, the application form is dated 1998, the first statement they provide is 2010 - can I use this gap/lack of evidence in my favour? I notice on my "illegible" application form there was a reference to "credit card payments insurance" (I assume this is PPI) - during my research, I'm sure I read that any t&c provided should also include this - I notice their seven added pages make no reference to PPI - which even if I didn't take it out would surely have been needed to be included?   So - just to summarise - is it the "poor quality credit agreement"; the fact that they haven't even declared that they are producing reconstituted copies of t&c and the lack of default notice having been issued - well lack of copy?   On the flip side - where do I stand in terms of the payments I was making - allegedly to this account - via Robinson Way? Is that a case of acting dumb/naive?   Thanks very much everyone.   Barafear.    
    • it sometimes takes a good while for all related entries to be removed.   dx
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Granty200977

Mortgage fees What can I claim? If any

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I have just received a lifetime statement for our mortgage as I had queries over why when we had an interest only mortgage do we now owe more than £4500 than what we originally borrowed,

 

my thinking was if say we originally borrowed £100000 at the end of the term we would still owe £100000 which they agreed,

our mortgage started off with first national, then GE Money then was taken over by Kensington in 2016 .

The reason for my query was we have currently sold our house and have negative of around £7000 but should really only have negative equity of around £2400 ,

 

this mortgage started in 2006

we did have problems with payments in the early days but

there are numerous admin charges of £40

returned DD charges of between £20 and £25 and

a field agent visit of £85 and I know we never ever received a field agent visit

 

the one thing that is really puzzling me is the are numerous charges ranging from £1.50 to £23 for a reactive fee due (LRO)

 reactive fee ,

additional interest charges ranging from £2 to £9  ,

there are solicitors fees too

but we were taken to court and given a suspended possession order ,

but there are now no arrears on the account and haven’t been for around 6 years now .

Can I reclaim any of these ?

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8 hours ago, Granty200977 said:

this mortgage started in 2006

we did have problems with payments in the early days but

there are numerous admin charges of £40

returned DD charges of between £20 and £25 and

a field agent visit of £85 and I know we never ever received a field agent visit

 

the one thing that is really puzzling me is the are numerous charges ranging from £1.50 to £23 for a reactive fee due (LRO)

 reactive fee ,

additional interest charges ranging from £2 to £9  ,

there are solicitors fees too

but we were taken to court and given a suspended possession order ,

but there are now no arrears on the account and haven’t been for around 6 years now .

everything in red

 


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Been going through the charges there is nearly £2000 in admin and unpaid DD and £500+ in additional interest charges just need to add up the reactive fee ones, can I claim interest too? I’d put them all into a spreadsheet but have forgotten how to do it , it’s years since I claimed back the bank charges so I have no idea how to do it 

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prob better to use the statint sheet

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok thank you I’ll give it a go 

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put each 'thing' into the sheet at its own date.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Yeah it’s coming back to me I’ll have a go tomorrow and see what it comes up with , then shall be writing and asking for it back ,

 

although I don’t hold out much hope,

Kensington were a waste of space when I rang up to query why we owed nearly £5000 more than we originally borrowed , even they didn’t know 🙄

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i have downloaded the spreadsheet but it keeps telling me its in read only mode ? and I have no idea how to set one up myself

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What prog you using?

if excel click the top yellow box


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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its ok ive sorted it , its going to take me forever haha

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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.fsa.gov.uk/pubs/final/kensington.pdf
.
http://www.theguardian.com/money/2010/apr/12/fsa-kensington-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

 

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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The charges were added when it was with GE Money , Kensington took over it in 2016 

What is a reactive fee due / loan reop instalment?

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just put them in

they'll soon query it.

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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It’s taking forever 😂 but I’m over £5000 so far 

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So it works out £2897.39 in charges and £ 2461.22 in interest

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pop it up

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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1 hour ago, dx100uk said:

pop it up

 

dx

 

 

???

 

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attach the .xls


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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i cant seem to attach it, but been through it again and it looks ok , which letter do I send them now and do I add a copy of the spreadsheet too?

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Hit choose files in blue below in reply box you typein

 

Complaint letter and spreadsheet yes

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I’ve been hanging on claiming for a few weeks as mortgage company wrote to me saying they were looking in to my complaint ,

 

I’ve received a response stating that because the majority of my fees were a long time ago , it is longer than the time limits set out in the financial conduct authority’s dispute resolution rules for handling complaints, (6 years) so that was their final response and if I disagreed to complain to the ombudsman .

 

So now not sure what to do 

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we've seen reclaims with these going back to the 2000's 

 

who did you write too


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I had emailed my mortgage company to query why when our mortgage was interest only do we now owe more than we originally borrowed ,

 

we are currently selling and have a shortfall of just short of £7000 ,

where as if we still only owed what we originally borrowed it would be a shortfall of around £2000 ,

 

the mortgage was originally first National, then GE and in 2016 changed to Kensington

they sent me copies of statements dating back to when we took the mortgage out in 2006

 

in the early days there were late payment charges ,

additional interest ,

a field agent visit fee which never actually happened ,

 

eventually we got taken to court and was given a suspended possession order and made and arrangement to pay the arrears which we did , so I couldn’t see where the extra 4500 grand came from 

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everything bar sols costs whilst under litigation should be removed.

kennys cant simply wipe their hands of it .

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Do i write back to Kensington , or do I go through FOS ? , I did a draft of a letter to send the other week requesting the charges be refunded , but waited to see what they said, only charge they refunded was £40 from 2013  which is the only one in the 6 year time frame , before that there is about £2000

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