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Old GE money mortgage now Kensington - Arrears & Payment Arrangement


surrey_36
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hi DX - I never got round to it ( I'm stupid i know!), I just wanted them off my back with the repossession threats and so I came to arrangement which through covid etc I had to break ( no income).  Trying to setup again now back in full time employment but they are insisting on bank statements.  

 

What's best way forward - i don't want to end up in court in a situation where there is a risk, as mentally I couldn't cope!

 

 

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who says you actually owe anything

 

get reclaim get the spreadsheets done.

 

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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they have said that unless i get bank statements to them , they will be unable to setup an arrangement and if theres no arrangement they will start legal proceedings

 

Surelyif i start reclaim procedure they will just issue me with a legal proceeding letter?

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Which is why youve never resolved this issue in 10yrs but just rolled over each time, figthback put them in their box..

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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  • dx100uk changed the title to Old GE money mortgage now Kensington - Arrears & Payment Arrangement

I know ive been useless.. i should have got this sorted donkeys ago

 

What should be first port of call - a fresh SAR request? Should I write and say im contesting the fees before we setup an arrangement?

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if you have not got every statement from day one from GE/Kenny 

then SAR both.

 

there has never been any court action upon this debt?

 

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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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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