markez78uk
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Everything posted by markez78uk
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Thanks DX I only called them as I had no response to my letter. And just wanted to know if they had received it and also there is nothing worse than the eviction letter arriving completely out of the blue .. I'm even paying more than what the court order was for ..so hopefully that would go in my favour .. See what happens and I will keep you posted . Regards Markez
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So all has been paid on time and I haven't heard a peep from them .also the complaint is still with fos. However we can't afford to make the 30th April payment untill the 15th of next may and the 15th every month thereafter . Wife has a payment date change .I have called them and advised and also written to them .. They state my account is not edible for a payment date change .. So they will proceed with legal action ... Regards Markez
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Thanks for the kind words.they changed my account number last year in march and my online statements only show from march ..I did argue the arrears balance at the eviction hearing also I argued again when the suspended possession hearing occured for a renewal of the order apparently they had to apply for renewal after 6 years ? I have asked them several times for statements of the cahrges and arrears to no avail Regards Markez
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It was an adjudicator decision ... Cheers Markez
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thanks guys and girls, im sending an email today to appeal against the FOS Decision - they havent even picked up on my complaint correctly they have advised they cant see anything wrong with kennys upping the cmi from £589 - £592 as im on a variable rate my complaint wasnt about one rise it was about several rises in the past 5 months grrrrrr i will let you know how i get on Regards mARKEZ
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Thanks Ellen ... I hope it doesn't come to that again as I can't face a day in court again .. I'm going to make some small payments through the month as well to chip away at it ..so it will be coming down even quicker and the payments will be higher than what was orderd on the court order..as my wife has had a pay rise start of this year ..won't be telling them ...but will be paying them extras as we want this arrears situation gone ....sooner than later Regards Markez
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hi all yeah im going to appeal HB and see if a big ombudsman will look at it Thanks spud , Andrew it just gets me every time ..but im surviving off the fact im making the payments i did miss a payment last august thats why they issued the eviction but haven't missed a payment since ...im even paying an extra £100 this month on top off what the judge stated as i have some pennies left over just shows willingness on my part thanks all so much Markez
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I have the option to appeal,can I check something the Fos has said I’m on a variable interest rate and kennys are entilted to put my cmi up .which is fair enough but the interest rate has only changed twice last year and kennys have changed my payment over 7 times in the last year . Fos have stated only 1 change on the reply letter from £589 to £592 kennys have since changed it from £592 to £604 then £612 and this month changed it to £615 do u guys feel that’s enough for me to appeal against there decision and try and point out the Fos are missing the point that they keep changing the cmi even when there is no change in the interest rate ....variable also means it can go down of which it never has Regards Markez
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I know DX but I was late with a payment back in August and couldn't afford the full amount . That's why they issued the original eviction warrant .. I have paid ever since it was canceled tho ..so hopefully that will be in my favour Regards Markez
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Hi all just an update ..the fos have replied and basically said they can't see anything wrong and because I'm on variable interest Kenny's are in the right to keep upping the cmi .and because they refunded £8000 towards the arrears they have followed what most banks would do .. now I have to await the dreaded letter from Kenny's for an eviction as they stated they may still go for eviction as the warrant was only suspended because the fos asked them too ..and the deal was they would only cancl it if I paid off the £20000 arrears in full of which I can't do So I b et they reissue it ..my head and heart have sank to the lowest point ...I've been paying on time since the warrant was suspended in August ..regards markez
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Cheers Andrew . It just natural that it gets to me every time ..I'm now awaiting the decision of the fos then let's see what happens m this will be my 4th payment so I'm getting a bit of history going . Regards Markez
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Cheers dx.. I know I know about calling I just wanted to know what the charges were for . And I'm glad I managed to get it added to my complaint .. before its concluded . Can they reissue the warrant after the fos decision tho ?? Cheers
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Hi guys . Update I've paid on time for the past 3 months and exactly in line with court order . Today my statement came and it showed applied 3rd party charges £249 applied 16th of November I had no option but to call them to find out what these were for The call handler stated it's the costs involved canceling the warrant back in August .. I will take that a's at leat it was cancled Now yet again the best bit She asked if the account was still been investigated by Fos I replied yes She then proceeded to advise me that depending on the outcome of the complaint kennys may still enforce the eviction warrant !!! I replied you what even tho I've made 3 month's of payments ! Her response was the only way the warrant would of been canceled was upon full recipt of all the arrears I replied but you have canceled it and I've made 3 payments . She said doesn't matter as we ant the full arrears to stop any further action .. And depending on the outcome of Fos complaint depends on what action they will take next . Godsake /polite word I've recorded the whole call and passed the info on to Fos Kennys are going to be the death of me Regards Markez
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oh my days Kenny have sent a new letter today stating new cmi next month will be rising again from £592 to £612 so the cmi was £540 in may £544 in june after the fca re address it shot up to £589 end of june then £592 july ,august September Now October payment will be £612 extra £52 a month within 5 months
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very true , I will be making sure that we wont miss a payment , and wait until the new year and then go after the charges # all the best everyone .. regards markez
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thanks spudzulu - means the world mate Eviction letter is getting put up in my garage to remind me that the fight was nearly lost - but we got there in the end and now I'm in a much better paid job - all payments will be made priority priority - kennys wont have the last laugh - I will and that's a promise now to try and get my credit file sorted - so I can move away from these in the next 2- 3 years Again thx Mark
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hi Andrew 1 Thanks mate means a lot - The eviction letter arrived yesterday - I rang the court and they stated its crossed post and double confirmed the warrant has been withdrawn Kensington stated they are in the process of updating the online account system so you can see other charges showing along with the balance - so I should be able to have that access very soon then I can see what other charges there are , I'm letting the lion sleep for a couple of months while I get payments on the account and also await fos decision - then yeah I will go for the charges ect with SAR I WOULDNT BE HERE AND COULDNT OF DONE IT WITHOUT ANY OF YOU !! guidance,kind words,support,advice, you have all been amazing ! when I get financially stable or win the lottery - Dinner is on me !! Thanks Everyone A very happy Mark
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I wont mate … onwards and upwards just awaiting the fos decision and then I can start the ball rolling on fighting the constant cmi change Regards Markez
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good afternoon , the court have confirmed eversheds have asked for the legal action to stop whoooooooooooo its been placed on hold at kennys end while FOS Look into my complaint so al lis good - I will keep up with the court order and then they shouldn't be able to do anything as I will have payment on the account inline with the court order and inline with my proposal Again thanks again people you are all amazing !!! Regards Markez
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hi guys I have the email from fos I will call the court on Monday hopefully this will be light at the end of the tunnel regards markez
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hi dx I did go to fos last time and was awarded compensation for telling me that the eviction was cancelled when it wasn't and compensation for the harassment - but they didn't pick up on the cmi issues they have now - so lets await that decision .. thanks mate Have a good weekend
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well ive just had a phone call from the FOS And they have had a quick view of the complaint letters and response from kennys and basically they have advised kennys that they should put any legal action on hold due to the fact there hasn't been any proof sent over of what the current cmi should be and how it has risen after the fca findings told them to remove the charges .. And the call was to tell me THAT KENNYS HAVE AGREED TO PUT THE LEGAL ACTION ON HOLD !!! and the fos has emailed me proof that hey have agreed to put on hold so that's absolutely amazing cant thank you all enough !!! I know its only on hold but ive paid end of last month and will be paying this month and every month thereafter the fos said it could be upto 12 weeks before they finishing reviewing the compliant so that gives me breathing space to get payments on the account .. #you guys are the best !! if anyone needs help and advise and feels there is no other way out - Please read this post and listen to the CAG Group they are amazing and have saved my life and my home !!!!!!! maybe there is a god - a CAG god I will sleep tonight I'm so worn out Love you guys x Markez
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you guys are all guardian angel's I don't think I would be walking this earth if I hadn't reached out and you were all there ! that's a true fact xx
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aww bless you ell thanks so much regards Markez
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I will get it all together when I get home , just trying to get it sorted as panicking and scared regards Markez
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