ok.. I guess we pay the arrears and then deal with the charges when the mortgage comes to end of term

What should I do from here do you think?

No not paying off the mortgage in total , just the arrears - this is their recent reply; At the moment the current payment arrears balance is £10147.09, please be aware that there is also the historic fee arrears of £3486.64 which means the total overdue balance is £13633.73. The payment arrears are our main priority as this is what causes the consequences. With the fee arrears they do not detriment your credit file and we do not actively collect on them but it is expectation they will be cleared by the end of the mortgage term at the latest and they are interest bearing. Your current contractual payment is £846.08.

Thanks dx What would you suggest i do - request a breakdown of mortgage arrears?

If i'm looking at possibly clearing the arrears, do lenders sometimes offer a reduced figure if your offering to clear a total arrears figure?

Ok thanks DX My parents are looking at paying off the £10,000.00 arrears as without this help I will be looking at moving in with them which i don't think they are that keen on! Can you offer any advise on this front. Is it just a case of getting a statement and paying off my arrears - is there a recommended way of doing this? What I mean by - do mortgage companies in consider offers towards payment arrears ? As in a lower figure to clear the total arrears, would there be anything i need to think about (fees/interest) that would need to be agreed

Kensington are refusing to refund any charges apart from a couple of field agent charge!

Response received from KMC: Following my review of your complaint received by secure message on XX November 2022, I have investigated the points you have raised, and this is my final response. Although I am not upholding your complaint, as part of my review I am arranging for fees totalling £50 to be removed from your mortgage account. I have provided a summary of my findings below and explained how I have reached this decision. You have said that you would like us to refund all fees applied to your account along with interest as you feel they are unfair. You would also like the interest refunded on the fees removed under your previous complaint in 2018. Any Arrears Management Fees (“AMFs”) charged on your account were applied in line with the terms and conditions of the mortgage. I have attached a transaction history for your reference. The Financial Conduct Authority’s (FCA) Dispute Resolution Rules (DISP) rules state that you have up to six years to raise the issue that occurred with us, or three years in which you should have been aware of the fees and charges on your account to make a complaint. I have reviewed your account since 1 November 2016 and found one £50 AMF applied in the same month that a Field Agent fee was applied. I am therefore arranging to remove this fee as a gesture of goodwill. I have also attached a copy of your previous complaint response issued on 23 May 2018 under our reference xxxxxxx. The fees we removed under this complaint were also applied correctly and were removed as a gesture of goodwill and therefore no interest refund is due. The 6 month timescale in which you had to refer this complaint to the Financial Ombudsman Service, has now passed. I hope this letter helps to explain how I have reached my decision. If you have any questions, you can contact us by telephone on 0345 3300388. Our opening times are Monday to Friday 9.00am – 5.30pm. If you remain dissatisfied with my response you have the right to refer this to the Financial Ombudsman Service (FOS) free of charge, but you must do so within six months of the date of this letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider the complaint and will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. Further in

Yes 100% dx I have had the refund so wasn’t including that one. I can’t seem to find the Fosci sheet in the library

Ah ok so I fill in the statint sheet and the reclaim letter , what interest rate should I use?

Ok thanks dx what would you recommend next step tbh I’d be happy just to get the penalties refunded !

Thanks andyorch. I wrote to close brothers regarding 3 accounts they have financed policies with and they replied with the following ; “Please be advised that we work under the instruction of your insurance broker, so any refund requests will need to be forwarded to them. I can see you have had different agreements open with different brokers. Please advise us of the loan reference your queries relate to so that we can refer you on to the correct broker. “

No reply from KMC yet and 4 weeks past about a week ago

This was before they went up, I have been making contractual monthly payments but now they are 720 there’s not enough to cover it

Reply received from Kensington acknowledging receipt of the complaint and stating a response will be submitted within 4 weeks. My issue now is that with the interest rate increase my mortgage has now gone from 550 to approx 720. My income is less than my outgoing. They have been pressuring me for income expenditure and saying that issue is my repayments don’t cover the amount that needs to be repaid in the 7 or so year Left on the term. I think if I contact them and tell them I can’t afford this repayment they will surely say that they will start legal proceedings

Sent! Will keep this thread posted with updates

I've just realised that the template letter doesn't seem to mention anything about Interest - it just states about refunding the charges - is the letter I copied about the correct template form the library? "I am writing to ask you to refund the charges which you charged to my account in respect of late payment fees to the sum of £ XXXX."

Yes 2018 - your right! RECLAIM KENSINGTON.xls

ok thank you DX, heres the xls version RECLAIM KENSINGTON.xls

Thanks DX I have redated the list of charges and think its adjusted the total amount by a couple of hundred quid which is good I will add that bit to the end of the letter?

Please Can someone guide me what template letter might be a good one to use from the library to go with a CiS Sheet reclaiming charges

Thanks dx is there. Template for a cover letter in the library? Is it a reclaim one thanks

Could I send them the cis sheet and std letter and then wait for response and then construct a letter based on their response

Not yet dx , am I right in saying I have to word it carefully

Had a reply from Kensington: (The online Message system is a good way of communicating quickly, great to not have to go through the recorded delivery or signed for process!) HI XXXXX, Thank you for your message, We have cancelled the field agent instruction. We have been trying to contact you but have not been successful. We still need to speak to you regarding the payment arrears on your account. We need to get an update of your situation and discuss any payment proposals you may have to address the overdue balance. We completed an income and expenditure assessment and advised we required 3 months' worth of bank statements, but have not received any documentation. Kind Regards XXX