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    • Spoke to my SIL a short while ago Andy and he had the following to say.....     No, he had left their employment by this time, in fact he left January of this year.     August 2013 up until January 2020     Yes, in fact he had a staff MORE card.     He laughed and said "Hell Yes" This even extended to the pubs deputy manageress whom he described as the worst offender and knew that my SIL was doing it as well as other staff members.   There is a story here....   He told me that after he had left, the company fraud guys came in to do an audit with her unofficially being the main target. He has an idea that she may well have been caught with her hand in the till and so she sang like a canary to save her own arse.
    • this is what shell have just sent me in email, confirming mistakes were made it the final response / deadlock letter, they are only telling me this now, 6 months after the deadlock letter was sent to me and long after court action started   please is the actual deadlock letter binding, or can they just noll and void it like this?   Thank you for taking the time to speak with me this evening regarding your account. As agreed, I am emailing you with the details of what was discussed during our phone call so you have a copy in writing. I advised that you previously had an account with Shell Energy (formerly First Utility) for property  and this has an outstanding debit balance of £187.24. However, due to the age of the account and when the invoice was produced on this account, this balance is being cleared. This balance will be cleared within 10 working days and the account will be closed at a zero balance. In regards to account  I advised that back billing credit of £630.45 that was applied in April 2020 was applied in error and was later withdrawn. I explained that the reason it was applied in error is because the back billing period this amount was calculated for, is the same period that the back billing was previously calculated for and a credit applied to the account in February 2017, with the amount of £1192.32 being applied to the energy account. I advised that at the time the deadlock letter was written, the information within this letter was accurate based on the account at that point. After receiving the deadlock letter, you then escalated your case to the Ombudsman. It was at this point, an agent investigated your case and realised that the back billing credit of £630.45 was applied in error. This was addressed within the Ombudsman's findings in writing and they confirmed that the £630.45 was an error and it is correct in being removed, leaving the account balance at £644.48 which is valid and liable to be paid. I appreciate that you have advised the Ombudsman case is null and void as you did not accept their decision and you are right in saying that the actual final decision that they issued was non-binding upon Shell Energy. However, this does not change the outcome of their findings or the fact that the back billing credit of £630.45 was not due to the account. You queried if our call was recorded as you would need it for a judge, to which I confirmed it was recorded. If you want me to raise a SAR for a copy of this call recording, please do not hesitate to reply directly to this email and let me know and I can arrange this for you. I advised that as your case has now been escalated to Shakespeare, legal fees have now been incurred. I advised of the breakdown of these fees: Legal representative cost £70 , Court fee £60 and interest £146.06. I also confirmed that these legal fees were on top of the account debit balance, resulting in an overall balance of £920.54. As discussed, due to the case now being with Shakespeare, I am unable to offer any settlement figure internally. However, I can arrange for Shakespeare to call you directly to discuss your account and options available. You queried if they would be able offer/discuss a settlement figure/payment plan, to which I confirmed that I could not comment on this as I do not know their process, however they will be able to discuss the options in more detail with you directly. As agreed, I will arrange for Shakespeare to call you tomorrow; Friday 27th November 2020. If they are unable to get hold of you, they should be able to leave a voicemail for you. During our call, you also queried who would appear in court to represent Shell, whether it would be a member of staff directly from Shell or whether it would be a representative from Shakespeare on our behalf. I have gone away and spoken to our legal team who have confirmed that it would be Shakespeare who would lead with a representative on behalf of Shell. I hope the information in this email clarifies our position. As advised within our phone call, I am genuinely sorry for the shortfalls you have experienced and I fully appreciate the frustration this has caused. As above, if you would like to request a copy of our call recoding from today, please not hesitate to let me know and I can raise a SAR for this. You can reply directly to this email or you can call on 0330 094 9158. Our lines are open Monday to Friday, 9:00am to 6:00pm. Please note that my working days are Wednesday to Friday each week. Yours sincerely,  
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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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