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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
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Old GE money mortgage now Kensington - Arrears & Payment Arrangement


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Hi all,

since being in financial difficulty over the last few years

I have had dozens of £40 admin charges added to my account for making late payments.

I understand that I can claim these back

 

I have read other posts to see the procedure which is so helpful thank you,

 

Im just wondering how it would work as last year my account was taken over by Kensington Mortgages and if they refunded the admin charges where would the refund go

- woud it be sent to Kensignton to pay off the charges arrears balance?

 

Many thanks !

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  • 3 weeks later...

you need to work out how much it all adds up to including interest on the charges (unlawful). If the debt was legally assigned to Kensington then you get the money from GE, it cant be just passed on to reduce your debt with another company although they will try that on if they even admit they owe you the refund

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  • 3 months later...

I'm just starting a claim for £40 admin charges added over the years,

 

Ive been reading through threads tonight and just confused about the spreadsheet to use and what interest charge to put into the spreadsheet.

 

On the mortgage statements the interest rate varies from 2.95 up to 7.99% on the 2006 statements.

 

Also unclear if I should use the StatInt Sheet or the CISSheet.

 

At the end of each statement is says for example (annual statement 2009)

Interest Bearing Charges £1837.50

Additional Interest Incurred £213.88

Payment received towards these charges & Interest £125.54

 

So gathering from others posts and responses these additional charges are non reclaimable?

 

Sorry for posting when I'm sure this is all in here! Just want to make sure I get this right, as I usually get everything wrong! :roll:

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I very much doubt you'll get penalty charges back out side of 6yrs.

 

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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6yrs not months

you could try putting ALL of them on your sheet

see what they do??

 

stat int sheet [auto at 8%] as that will be more money than the CI at 2%

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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  • 2 weeks later...
  • 2 weeks later...

Update: GE Money replied to me saying that since my mortgage was taken over by Kensington last year that they have closed the case and forwarded the complaint over Kensington.

 

I thought that as GE had charged the admin charges originally that the claim would be to them.

Question is do I trust that they have forwarded the claim to Kensington or do I resend the complaint again :???:

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Hi Jaxleeds,

the charges are for administration charges

- sometimes they charged £40 sometimes £50,

also some other charges like counselor visit?

 

I am advised these charges are way over the actual costs to them as a company and are therefore unlawful and can be reclaimed.

Probably better that one of the CAG experts explain it rather than me!

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already tried but its not stuck in...

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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Hi Jaxleeds, the charges are for administration charges - sometimes they charged £40 sometimes £50, also some other charges like counselor visit? I am advised these charges are way over the actual costs to them as a company and are therefore unlawful and can be reclaimed. Probably better that one of the CAG experts explain it rather than me!

 

 

Exactly the same situation as me then. Good luck!

 

 

dx - what have you tried to explain to me that 'hasn't stuck in' ?

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  • 3 months later...
  • 2 months later...

I have had a reply from Kensington in relation to my claim originally to GE Money (but then as the mortgage was taken over by Kensington the claim was redirected to Kensington).

 

They have offered as a gesture of goodwill to refund 9 Admin charges of £40.00 and one charge of £50.00. Totalling £410.00. There is no mention of compound interest but only am additional payment of £50 as they did not keep me informed of theprogress of the complaint as promised.

 

There are over 20 admin charges within the last 6 years of £40 and some £50, also a 'debt counselling' charge of £90.00, I need to put this all into the spreadsheet again but I think this adds up to with compound interest about £1400.00.

 

Can anyone advise me of the next action given that they have provided this response not including all unfair admin charges and not including and compound interest.

 

Thank you :)

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do as you've correctly stated

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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no need for one

simply write back and demand the other charges back ONE line

inc spready

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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Share on other sites

do both

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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  • 7 months later...

Another reply from Kensington saying they have completed review of my complaint. Says their initial decision remains unchanged but they have amended the total fees which are to be refunded, "The additional fees and interest at 8% which you kindly detailed within your letter will not be considered"

 

I requested approx £1500 refund inc interest and they have offered £480 which they have already refunded to my account to reduce the arrears, also they have made a payment of £50 for distress and inconvenience into my bank account.

 

I'm not really happy with the response but i suppose its better than nothing as I suppose i am in arrears with them.

 

Anyway I just thought Id update this thread with the outcome, advice appreciated not sure if i should pursue this further

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pers i'd goto the FOS, you might not win but it will cost kennys a tidy sum in their investigation fee they get charged.

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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Been following this as I had similar with Nemo and Rooftop etc, went to the FOS which was a complete waste of time as they basically told me that any charges like this are appropriate and acceptable.

 

was that an adjudicator or did you escalate to the ombudsman? As the charges arent appropriate or enforceable or even levied fairly. Thats why so many people are successful at reclaiming all of it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The adjudicator dismissed my complaint initially about excessive charges

I

took advice from this excellent site and asked it to be sent to the Ombudsman who asked a few more questions and then agreed with the adjudicator.

 

I got the distinct impression that

a - they are swamped with complaints and

b-they don't really know what they are doing because of this.

 

Its only advice based on my issues but I wouldn't bother waiting the 18 months or so for the decision.

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