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Old GE money mortgage now Kensington - Arrears & Payment Arrangement


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Yes there has when they were GE money 

I will SAR both

Should I respond to their request for bank statements by telling them i disagree with the charges and want to sort that out before entering into an arrnagement?

 

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You ignore them 

There is no order suspended or otherwise in force so they can't demand anything.

 

Just get on and tell and pay them what you say you will £pcm on time and get reclaiming!  Hit back take control of YOUR money.

 

And stay off that flippin phone.. writing only!

 

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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  • 1 month later...

Yes!

 

 

  • Like 1

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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dd unpaid returned recall fees

administration fees

default notice charge (voids the default notice!!)

returned cheque fee

valuation fee (why?????)

field agent fee

arrears fee

 

 

 

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

i would suspect sols fees are around the time of repo ? or court involvement?

was there any courts involved in the history?

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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Yes with GE money - then Kensington took over the account. 
 

I’ll have to check the SAR from Kensington as I can’t remember the full story of the legal fees - I think it was threats that went away with payment plan but I’ll double check 

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if they are way outside of any court close ish dates then yes include sols fees.

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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Share on other sites

There doesn't seem to be any of the legal stuff in the SAR.  I had to go to court years ago with GE Money and I had a suspended possession order that ended.  This must have been over 10 years ago. Since the mortgage was taken over by Kensington.

 

The SAR includes the all the transactions from GE Money as well as all the Kensington account - all in the one sheet I uploaded.  Should I be including all of these on the CISSHeet? Or Just the charges from Kensington?

 

On the CISSheet what do I put as the Interest?

 

Thank you😀

 

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All i have listed

each on its own line

 

int rate cell d15 is the avg across its time.

 

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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Share on other sites

its in this thread too.

 

 

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

where the rest of them

though there were lots of £40 fees?

 

 

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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That's everything within the last 6 years - there were lots of £40 fees but they were further back - the previous thread said not to include anything over 6 years ?

Edited by surrey_36
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put them ALL in even the ones refunded and past 6yrs old ...from DAY ONE!

your remit is to prove the balance is false.

 

also, on the date of the refund put that in too as a refund in the description and put it in as a minus figure in the amount col ( so -£360). but delete the results in the last 2 cols. do not inc the GOGW £50.

 

what was the avg mortgage rate over the years?

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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Then ok put 8%

 

The loan is still active is it not? Int still being charged?

 

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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Share on other sites

refund figure ....do it as a WHOLE SUM as i SAID

-£360 on the day you got it.

 

you sure all those sols fees are not around the time of any actual litigation 

 

.xls next time.

 

you could also try copy and paste (1st 3 cols) them into statint sheet 

see what that gives

 

 

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

Take out the all individual refunds

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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