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    • Thanks for your advice. They didn't really reduce her bill when putting her on the rolling contract. She's emailed BT to complain as well about £800 fee. She will have to check where she stands with her mobile contract given she is still paying each month as she still needs to have a mobile phone for emergencies. A lesson on how careful you have to be when changing providers
    • forget CAB you might as well phone bt back as thats about as useless as they'll be.   you can't have a rolling 24mts contract', bt rolling contracts are month to month only, thats an industrywide accepted definition of what rolling means.   what happened here is she earlier changed her 'package' removing skt to reduce costs. as with all providers that invoked = means she entered into a new 24mts contract.   she latterly phone to cancel that contract, and thus bt charged her the cancellation fee/loss of revenue over the raining months of the contract.   the fact that she owes them 'this money' but didn't pay it, then entitled them sadly to cancel the mobile contract, which sadly again they allowed to do.   rock and a hard place if she wants to keep the same mobile number.   Or as long as her phone is not imie blocked by bt (in otherwords she purchased from BT under the mobile contract) but simply locked to BT (which is easily gotten around for a small fee at many shops/market stalls or if someone is tech savvy follow the guides on youtube to unlock the phone for an even smaller fee. and wack a new sim in it.   as for the £800 bill simply ignore them. they'll sell the debt on  and if anyone like Lowells or anyother powerless DCA debt buyer wants to do court, it's easily defended we've not lost one case like that here.        
    • The 1st 2 calls were the normal scam calls. get a truecall box   the PDC stuff you ignore their letter States our client three whom if you wanted too you deal with directly.   Until/unless whenever it gets sold on too and they eventually send a letter of claim you maintain radio silence    
    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

Yes Yes Yes **first Win From Kensington!!!!!!!!!!**


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My only concern is that I spoke to some1 today from the FSA and they told me that whilst the OFT had condemmed excess late charges on mortgages they had not taken steps to prevent them from being charged as with current account bank charges so in theory the mortgage company is within its rights.

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Its always difficult to know when your being ripped off I think, thats why forums like this are so good as most of whats said is relating to an individuals experience, the FSA etc tend to blind me with science and come away more confused so im very grateful for any advice. Thankfully im no longer a customer of Kensington but would certianly like to get them back for being such ar**h****s. I find it amazing that companies who deal in the "subprime" market seem to get away with treating their customers so badly and charging such high interest rates, its just taking blatant advantage of some1s previous difficulties.

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Hi gang,

 

OK as I understand it - it will cost £50 to send in the bailiffs, this being the case I'll have to wait until payday (Wednesday) till I'll get the ball rolling.

 

But I see I'm not the first to do this :-

 

Bank charge victim sends bailiffs | This is Money

 

 

Mochamoo - could you pm me those email address and phone numbers thanks.

 

Let youall know whats happening soon.

The only thing necessary for the triumph of evil is for good men to do nothing.’ Edmund Burke

 

Total unlawfully taken £3247 (NatWest)

Data Protection Act Sent 05/05/06

Full Response Received 15/06/06

Prelim. Sent 16/06/06

LBA Sent 30/06/06

MOL claim Started 26/07/06

Defence and CPR18 received 26/08/06

AQ Sent 15/09/06

Cobbets Offer Half 18/09/06

Offer Rejected 19/09/06

Court orders Stay 26/09/06

objection sent 29/09/06

Mission Accomplished 9/10/06 :-D

 

Total unlawfully taken £650 (Kensington)

MOL claim Started 26/07/06

Offer received 17/08/06 rejected.

Defence received 26/08/06

Court orders Stay 18/09/06

Objection Sent 23/09/06

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Hi gang,

 

OK as I understand it - it will cost £50 to send in the bailiffs, this being the case I'll have to wait until payday (Wednesday) till I'll get the ball rolling.

 

But I see I'm not the first to do this :-

 

Bank charge victim sends bailiffs | This is Money

 

 

Mochamoo - could you pm me those email address and phone numbers thanks.

 

Let youall know whats happening soon.

 

Take a look at this, you may be able to do it without delay.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=9

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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  • 2 weeks later...

Right, the clock is ticking.

 

Sent in my application for a 'Warrent Of Execution' and £55 cheque to the court and gave Kensington's head office in Paddington as the address where the bailiffs should be sent.

 

Will be sending emails of too various media interests today - a big thank you to mochamoo - will keep you up to date on developments.

The only thing necessary for the triumph of evil is for good men to do nothing.’ Edmund Burke

 

Total unlawfully taken £3247 (NatWest)

Data Protection Act Sent 05/05/06

Full Response Received 15/06/06

Prelim. Sent 16/06/06

LBA Sent 30/06/06

MOL claim Started 26/07/06

Defence and CPR18 received 26/08/06

AQ Sent 15/09/06

Cobbets Offer Half 18/09/06

Offer Rejected 19/09/06

Court orders Stay 26/09/06

objection sent 29/09/06

Mission Accomplished 9/10/06 :-D

 

Total unlawfully taken £650 (Kensington)

MOL claim Started 26/07/06

Offer received 17/08/06 rejected.

Defence received 26/08/06

Court orders Stay 18/09/06

Objection Sent 23/09/06

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Sent in my application for a 'Warrent Of Execution' and £55 cheque to the court and gave Kensington's head office in Paddington as the address where the bailiffs should be sent.

 

 

 

Wahey!!!!!!!

 

About time these were brought to account!

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Dam and blast it

 

The court has rejected my application for a warrant of execution - because the figure I am claiming does not match the figure on the order.

 

I now have to write a letter to the court and explain why the figures don't match - the reason is Kensington have added their solicitors costs since the order was made and in direct violation of the order.

 

I sometimes wonder what exactly Kensington have to do to get the court to actually react and kick butt.

 

Letter this weekend ahhhhhhhhh.:-x:-x:-x

The only thing necessary for the triumph of evil is for good men to do nothing.’ Edmund Burke

 

Total unlawfully taken £3247 (NatWest)

Data Protection Act Sent 05/05/06

Full Response Received 15/06/06

Prelim. Sent 16/06/06

LBA Sent 30/06/06

MOL claim Started 26/07/06

Defence and CPR18 received 26/08/06

AQ Sent 15/09/06

Cobbets Offer Half 18/09/06

Offer Rejected 19/09/06

Court orders Stay 26/09/06

objection sent 29/09/06

Mission Accomplished 9/10/06 :-D

 

Total unlawfully taken £650 (Kensington)

MOL claim Started 26/07/06

Offer received 17/08/06 rejected.

Defence received 26/08/06

Court orders Stay 18/09/06

Objection Sent 23/09/06

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Guest DEATHLORD

Hi,

As far as this company is they will do nothing and do every thing to stop you doing any thing.

I wonder if the judge have money tried up in these companies as they do nothing agaisnt them, knowing full well that they do worng.

I am at this time taking them back to court they know we are selling our house as they wrote and said sending deeds to solicitor on 23rd then get letter dated 25th saying they are going to court! and you ask what will the courts do NOTHING :-x :-x :-x but still we are asked to pay £1000s in ERC which they know is worng.

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  • 2 weeks later...

Blood is boiling !

 

The day after I get a reject letter from the court , I get a phone call form ' Chris ' in admin form Kensington ' ( tip off from the court maybe ?)

we will be crediting your account soon we will be in touch (but this is only the solicitors costs)

 

- ah but what about the order.

- Order what order ?

 

I have just read jamorgan thread, Kensington are demanding their costs be paid - funny when they owe us money they take their sweet time about it and the court seems to be quiet happy about it.

 

A week has passed and still no money - back to plan A I think, letter to Kensington 1 final final final warning and then court, no though they'll come up with another excuse why they can't send bailiffs in.:-x :-x

The only thing necessary for the triumph of evil is for good men to do nothing.’ Edmund Burke

 

Total unlawfully taken £3247 (NatWest)

Data Protection Act Sent 05/05/06

Full Response Received 15/06/06

Prelim. Sent 16/06/06

LBA Sent 30/06/06

MOL claim Started 26/07/06

Defence and CPR18 received 26/08/06

AQ Sent 15/09/06

Cobbets Offer Half 18/09/06

Offer Rejected 19/09/06

Court orders Stay 26/09/06

objection sent 29/09/06

Mission Accomplished 9/10/06 :-D

 

Total unlawfully taken £650 (Kensington)

MOL claim Started 26/07/06

Offer received 17/08/06 rejected.

Defence received 26/08/06

Court orders Stay 18/09/06

Objection Sent 23/09/06

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Why warn them just issue the warrent and get stuck in do you have the order go to a private bayliff if the court wont play

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  • 1 month later...
  • 2 weeks later...

Sorry,

 

Yes last mortgage statement shows all monies refunded - at last.

The only thing necessary for the triumph of evil is for good men to do nothing.’ Edmund Burke

 

Total unlawfully taken £3247 (NatWest)

Data Protection Act Sent 05/05/06

Full Response Received 15/06/06

Prelim. Sent 16/06/06

LBA Sent 30/06/06

MOL claim Started 26/07/06

Defence and CPR18 received 26/08/06

AQ Sent 15/09/06

Cobbets Offer Half 18/09/06

Offer Rejected 19/09/06

Court orders Stay 26/09/06

objection sent 29/09/06

Mission Accomplished 9/10/06 :-D

 

Total unlawfully taken £650 (Kensington)

MOL claim Started 26/07/06

Offer received 17/08/06 rejected.

Defence received 26/08/06

Court orders Stay 18/09/06

Objection Sent 23/09/06

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Congratulations Louisk, I have just read your complete thread and it has me wondering whether I should have the courage to send off a SAR to Yorkshire Buidling Society (£35 admin charge each time my monthly DD was refused).

 

What is CAG overall feeling on reclaiming the monthly arrears charges - not ERC, just the monthly ones for refused DDs?

 

... Your answer will determine whether I send off a SARequest today! :D

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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They are penalty charges and should be reclaimed. Send your S.A.R - (Subject Access Request).

 

(And then start your own thread about it here http://www.consumeractiongroup.co.uk/forum/mortgage-companies/)

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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  • 6 months later...

kensington seems to think they can get away with murder i have come into trouble with my mortgage . thru ill health. now i have contacted them they gave me 2 months only with 200 less to pay . i ask them just to bear with me until my income support and disabity living allowance is sorted and ill then can pay them in full. but they say no unless i start as from now paying . they will give me 2 months [end of march]then they will start action to evict me from my home . i do have the choice to sell but if i do i will have to pay them a extra 6k penlty. so let them do as they wish cos they wont then get any money so all beware of this lot of thugs

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/131859-kensington-mortgages.html

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Hi nasrcity,

 

From experience with Kensington i would like to ask are you dealing with them by telephone.

 

I was in a similar situation as yourself and put my trust in Kensington to start but, after the first county court application to suspend i conducted all further matters by letter. I would advise you to do the same and if they call ask them to reply by letter. You will receive a better outcome if it should go to court and you can provide evidence of your situation and offers to pay. And the replies from Kensington if they are harsh will not sit well with most District judges.

 

Evidence and proof are very important if it does go further. ;-)

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hi nut.magnet. thanks for ur reply i have just been writing a letter to them .but do u know how long b4 they really start to try and get my house back as i think they are trying to scare me .

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Hi nasrcity..

 

My experience of Kensington was very harsh and they did like to rack up the solicitors costs and monthly arrears fee. I was clear of my ERC charge so i could have sold but, remortgaging for me at the time was not possible.

 

They started after i was three months in arrears and at the time the monthly arrears fee was added to the arrears. Now they add this to your mortgage along with all solicitors costs.

 

I have given advice to another person recently tied into a Kensington mortgage and believe they have become slightly more aware that District judges don't take kindly to the way they handle their mortgages. The person i just advised had six months of arrears and kept his home. I guess its all down to how much you owe on your mortgage, equity and how much you can repay off the arrears each month.

 

Remember they can't just take it and you have options to fight any repossession orders that land on your doorstep.

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hi thanks for ur reply right i had 1 month where they accepted a reduced payment of 200 now i have just missed this 1 st payment and as income support has only just paid out [as u can imagine will not cover my mortgage i asked them to help with my mortgage income support rule is 39 weeks and then they will pay the interest only .fine but by then ill be out on my ear.which i tryed to explain to them i will lose my house the girl just put the phone down.so i phoned kensington then told them they said well u have 2 months b4 we start to take the house back . disabilty living allowance take up to 16 weeks . but what i have done is registered with the local council just in case and im trying to find out as much info as i can i just might hit a loophole . they have already now added £20 for cancelled d/d which if i didt do that then the bank would have slapped there charges on as well as kensington.plus now another £50 for non paymen. so any info any1 has

however little im gratful thanks for ur help

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/131859-kensington-mortgages.html

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