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    • Good luck and please keep us updated. I'm sure that your experience will be very helpful to other people who have similar problems and find this thread
    • Bankfodder, I don't understand why you think that I am trying to cheat them. It is in the best interest of the landlord to have a tenant occupying the property rather than having it vacant. But having it vacant is better than having a 'bad' tenant - there are plenty of horror stories. As a landlord, you don't have a lot to rely on before you let some occupy the property so how the tenant behaves leading up to signing the agreement is important.    I have had other issues with the agent which I didn't want to elaborate here that led me to terminate the contract as soon as I rejected this tenant. But ultimately the law is law and if my interpretation regarding the 2013 Regulation is correct, this should be straightforward and we don't even need to rely on the other clauses. I'll see how it goes.
    • Just because criteria won't agreed in writing, doesn't mean that there are criteria and they are not to be implied into the contract. As I've said, you have to give your contracting partner reasonable opportunity to complete their side of the bargain. If you employ a builder to build a wall and they start work, then you have to give them a reasonable opportunity to complete. Here you have an agent who apparently has found a tenant and the tenant has satisfied the reference requirements. You keep on saying that they were transparent – but you haven't told us what that means and the most important thing is that you might have to explain that to a judge. I'm afraid so far the impression one gets is that you are simply trying to escape a commitment – even if it is for the best of reasons. I see that you disagree with me. Well that's fine. It's not me that decides the outcome. I think that you are in difficult terrain in respect of your first grounds of objecting. I think that the unfair terms provisions are far more useful to you and are likely to have some success. Once again, your only answer to this is that a tenancy contract haven't actually been signed. Once again I say to you that all of the practical conditions for the contract to go ahead had been satisfied but on your hunch you then prevented the agent from completing their side of the bargain. I think that you are going to have to find a reasonable settlement. I don't think it will be very much – but you are certainly going to have to find a reasonable settlement – and if the agent objected, as well they might, at least you can then demonstrate to a court that you at least have attempted to act fairly and it is simply the agent who is being unfair. I don't think it would be too good for you if a judge came to the conclusion that the agent was trying to cheat you – but you also were trying to cheat them, for whatever reason. I don't thing I can say anything more  
    • Well I think it would be prudent to check them. I found several warranty details for your make of laptop but not UK. Surprisingly, they only say that they will repair defective parts and there is nothing as to what happens if the unit is not repairable. I suppose that being Acer, they have access to all the parts needed – in principle – and they reckon they can repair anything. Double check and see if you can get access to the warranty. Also, you need to decide whether you are prepared to issue a small claim. If you never done it before then read around this forum about how to take a small claim in the County Court. It's quite straightforward but you need to know the steps in advance. Once again, don't expect this to be sorted out by 18 December. I expect that you won't even have it sorted out by February – unless they suddenly react once they receive the court papers and move themselves. Of course you could say that by February the thing will be repaired anyway – but actually you don't know that. It could go on very much longer and at the moment I think you are being led around by the nose
    • As far as I remember and by looking at the receipt, it was already included in the price of the laptop.    Regarding the terms and conditions, I have no idea where to look for them. I might ask my mum to see if there is a mini book that came with the laptop and might contain the terms and conditions
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Help required please Kensington/uch homeloans


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Hi all,

Would appreciate someone pointing me in the right direction of resources.

 

I initially signed up to a mortgage with Kensington mortgages.

At the the time I had no idea that they were giving me an interest only mortgage at an extortionate rate not to mention the fees charged.

 

I was then moved onto UCB Homeland who have continued to keep me on an interest on mortgage but again at a really high rate despite them being so low for a long time. I am still being charged a very high rate.

Due to current financial circumstances I'm unable to move lenders. 

 

What options do I have? 

 

I remember seeing details of potentially reclaiming the charges and some interest payments. Is this correct and if so how do I start the process?

 

Many thanks in advance for your help

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SAR time.

 

there is no legal compulsion for either the creditor to change your type of mortgage

nor

move you to a better interest rate

 

thats your job..

 

 

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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I understand that it is my job to change the mortgage to a better interest rate but what I am referring to is potentially being mis sold the mortgage in the first place. followed by being penalised and charged for moving to another lender. Thank you for your response though.

 

 

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Then say that then...

 

and raise an irresponsible lending claim against them if you think its true, but i seriously doubt any lender even one as bad as kenny's would not have carried out extensive checks.

 

Now if they did then your alternative is to get an sar running and get reclaiming all their unlawful fees.

 

Plenty of threads here on kenny's and reclaiming.

 

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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I will search for the threads thanks. Looking into this first time and using the site first time so I may not have come across quite clear. 

 

Just found your response very abrupt but I do appreciated the input.

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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 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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