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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?


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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