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Hi,i use to have a mortgage with Kensington and they owe me around £1000 in default charges, knowing how arkward they are when refunding these charges,would it be visable to reclaim them through the FOS?

ANY RELPYS WOULD BE HELPFUL

many thanks in advance

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Hi jamieprec1979,

 

I too took Kensington to court over default charges, I think I was one of the first.

 

Anyway to cut a very long story short - I got my money back, after a year, an attempt to strike out my claim, adding their solicitors costs to my account, and them not meeting any deadlines set by the court.

 

I would suggest try the FSA first and see what happens - if that fails go the legal route, but be prepared for a long hard fight. I estimate Kensington spent £3000 defending a £450 claim!!!

 

Just one last thing, they did orginally offer settle but with confidentiality - when I said no to confidentiality it all kicked off.

 

Full Story here;- Yes Yes Yes **first Win From Kensington!!!!!!!!!!**

 

Good Luck

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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  • 2 weeks later...

Hi Louisk, I also had the unfortunate pleasure of doing buissness with kensington ! can you tell me what i can try to reclaim from these options - RETURNED DIRECT DEBIT FEE £25 (X15 = £375.00) MONTHLY ARREARS FEE £50 (X15 = £750.00) COUNSELLORS COST £ 193.88 SOLICITORS COSTS £555.14 SOLICITORS LETTER £20.00 My starting balace was £89'441.00 I redemed it early and paid £102'037.29 !! robbers! ERC £5'707.51

(I am really sorry about this joined up paragraphs i dont know how to seperate them !)

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