still no eviction letter as yet … I will keep u updated when it arrives and also what the FOS say regards Markez

I hope so >>>>just emailed my letters over and their response

Fos have just emailed me and stated they are going to super fast track my complaint and want my complaint and kennys response = ooooh

so I called them redemption will be 134,*** admin fee £80 interest £700 I have left the exact figure of the 134,000 as I've been told Kenny's read these posts ? I also tested the water and asked if I can raise the missed july + £200 payment by the end of the week would they accept it ? placed me on hold for 20 mins and came back and said no sorry we know you have moved jobs and let us know but because of the arrears balance and previous history on the account we would only cancel the eviction upon full arrears being cleared oh well tried Regards markez

wow you have just mad me cry Andrew 1 (think ive been long over due for a big cry ) I just want to get sorted what ever that may be all this because I couldn't afford last month and cant find the money else where - going forward im earning a lot more now so that's something to look forward to Thanks mate - strong kind words Regards Mark

hi ell unfortunally I cant ask my parents - I have asked in previous times and been denied by them without going into to much detail they helped my sister 3 times from 3 divorces and they lost everything (monies ) buying out the ex partners and things .. I've just spoke to a mate who said he will lend me the missed july payment monies - should I call Kenny's and ask if they will accept the missed July payment and cancel the eviction ? regards Markez

Thanks Andrew , I will try and call them this afternoon trouble is they take you round in circles for 30 mins before you get any answers my parents are on a very low pension and my Dad is VERY ill so I haven't burden them with anymore troubles I really cant ask them and I will have to ride the rollercoaster myself I really do appreciate your input I really do - I feel so low and cant get it out of my head I'm struggling Regards Markez

Thanks Andrew 1 the equity is possibly even at the moment the balance including the arrears is 134,000 the house is valued between £130-145,000 if I can clear the arears - the balance would be £114,00 so there would be equity there is 18 yrs 9 months left on the mortgage the plan for the future is to try and get these arrears down and gone in the next 7 years and then go on repayment our credit file should be clear and sorted by late 2019 - apart from kennys - however they removed the account from my credit file in may after the FCA Findings and haven't put it back on as yet as they reported I hadn't made a payment on the account since 2007 as I was in arrears and on interest only - it was really dragging the credit account down , then hopefully late 2019 we can approach a real mortgage company and re mortgage also my parents have a house worth 250,000 that will be left to us - hate to say it but that's how life rolls (they are in the late 80s now ) That's me being honest and that's our plan Regards markez

Good morning I feel so down and ill the panic is setting in and I'm struggling thanks so much for the support guys it keeps me going Regards

Thanks ell I will try and clear my head .it's bouncing off walls . Can't belive the call handler said I would suggest getting an application applied at the court to cease any action ..that has thrown me for 6 Thanks Andy God it's scary ...speak to you guys soon

* so I have just come off the phone 1 hr 11 mins I asked if they had got my letter with the proposal they said yes I asked what I can do - they said nothing because this will be the 6th eviction the only way to cancel it would be to pay the full arrears balance before the eviction date I asked why they hadn't replied to my letter asking for capitalisation, payment holidays what the actual cmi was ? and advising I would be paying end of august I sent this letter on the 30th june after the rep placed me on hold for 30 mins and asked the complaints department they state the reply was in the final complaints letter response letter as follows you are unhappy that we require income and expenditure - My complaint was im unhappy every time they phone me I have to go through income and expenditure Please be assured that your comments are appreciated, however if an account is in arrears and/or our customers financial situation has recently changed , we are required to obtain a full picture of the situation by asking appropriate questions . if it then becomes necessary to set an arrangement to clear any outstanding arrears over a set period of time . it is important to understand that certain information needs to be obtained from you before we are able to assess your case and are an arrangement . this is inclusive of your income and expenditure details which are required to ensure that you are able to afford any arrangement which may be put in place . The call handler stated If I had called up with the income and expenditure they might of been able to do something - but the account is past that now and they need full arrears ! which is amazing !!!! NOT !!! since that letter was dated 28th july and I got it on the 2md august and they asked there solicitors to apply for eviction on the 1st of august ! and as that's a final response so there's nothing else I can do you would need to forward this onto to the FOS as at this side the complaint is closed and because they asked me for the full picture (as in the above ??) and I didn't call there is nothing they can do I told him that the above statement was inline with a complaint - not an answer to my questions - he said sorry nothing they can do he then put me on hold for another 20 mins while speaking to complaints department the account isn't applicable for a payment holiday and he emailed the capalisation team - and that's not applicable either because the account is interest only came back and said sorry the only option to stop is for full arrears . but recommends I put in an application to the court to have an application hearing :O to cease the action on the account I stated can you put a note on my account im paying full cmi and extra £200 at the end of this account I also asked to be put through to direct debit team - gave them my details and they setup new direct debit to go out end of this month - I decided this best way so it goes straight out of account I then asked why the cmi rose 3 times in a month after the FCA Re address they checked the r ate change and said its because of an external event - this sometimes effects you sometimes doesn't ? AFTER I EXPLAINED THAT IT HAS RISEN FORM £541 TO £544 TO £589 TO £592 they stated I presume this is part of your complaint MAY I ASK was there as response submitted to you ? I said no it didn't explain as they missed loads out and didn't enclose the statement he said - to be honest with you I would of re submitted a complaint for you but because im forwarding it to the fos then that's going to get it to answered for you and that will get it clarified he said you are asking a question as even tho he had been there a few years it it something he wouldn't normally answer on the phone it something I would have it investigated it you had put this on my plate id be wanting that to get investigated its something I can answer on the phone ? he then said BUT THE OBUNDSMAN WILL GET IT CLARIFIED FOR YOU THATS FOR SURE I replied I will probably lose the house by then - he then said have a good day take care now .... And yes I've recorded it all so eviction date will be coming GOD HELP US *I stated can you put a note on my account im paying full cmi and extra £200 at the end of this account sorry meant I stated can you put a note on my account im paying full cmi and extra £200 at the end of this August * also meant as even tho he had been there a few years it its something he wouldn't normally answer on the phone it something I would have it investigated it you had put this on my plate id be wanting that to get investigated its something I cant answer on the phone ? oh and they text me at 11.20 and about 15 mins ago stating please call ASAP WE NEED TO TALK TO YOU ABOUT YOUR ACCOUNT god I feel so ill im going for a walk down the prom to try and clear my head What shall I do now ? Await the eviction day ? Thx Markez

So I'm calling them in about 1 hour ...just tried and I've been on hold for over 20 mins presume it's dinner time . I will update when I can get hold of them .. Regards

ok no problems thanks ell-enn so so much

yes ell its the most important thing thanks so much . I will call tomorrow -day off and let you know what they say kind regards markez no I get my new salary at the end of this month

hi ell yes I need to update it tho to new wage and I have managed to clear some council tax stuff

im being honest - im really scared right now and feel so worried and desperate I will call them tomorrow Regards Markez

ok I will call them tomorrow (the dread) , thanks ell past phone calls is that they wont setup an arrangement without income and expenditure and awaiting a senior management team member to make the final call to accept or decline or they try and barter with you saying we may stop the eviction if u can pay more . not quite sure what that link means Andy sorry I'm a bit thick Thanks so much guys and girls *do I have to tell them im recording the call ?

Just checked the tracking - they got the letter Saturday that ell kindly helped me with - same person signed for it that signed for the letter that kennys didn't reply 2 - hope its not the cleaner lol

Again thanks for the kind advise andrew1 I will see if ell can help me draft another letter to them . I'm hoping I can get this months payment on the account before the eviction day they have text me again this morning stating I need to call them ASAP They have stated on both there letters if an arrangement can be agreed they will cancel the eviction - however they wont reply to me asking for an arrangement - so I feel that's deeply in my favour - I also asked what the current cmi will be end of july in my last letter as it changed 3 times within 10 days and they didn't even advise that . I have no plan b apart form going to council if the eviction does go ahead - but I really hope it doesn't *we re mortgaged back in 2006 and was advised we would be ith SMPL Who then sold the mortgage to Kensington we were happily paying the payment to be then told 12 months down the line we had been on discounted 1 year rate and the mortgage payment shot up from £480 a month to £1065 a month that's when the initial trouble started ,apparently the mortgage broker that sorted out the re mortgage forgot to put that in the paper work we signed and also stated a self certification wage for ourselves as it turns out or paye wages back in 2006 wouldn't of got us the re mortgage as we didn't earn enough as well - he ran off to dubai we know a few people who used him

Thanks so much for the positive words Andrew1 I'm so grateful I just hope I can get this one last chance sorted please also find attached the new letter from solicitors instructed to repo.pdf

It's fine spuds,u have nothing to apologise for, Thanks Andrew , Yes I will start gettin my evidence together ,I have 4 recorded receipts for the letters and 4 signatures I have the reply from my complaint that didn't cover everything from their reply along with the missing statement they said they had sent explaining the redress they still haven't explained how the cmi rose 3 times in 10 days after they were ordered by the fca to remove the included charges and fees that were included in the current cmi .. surely after they removed this the cmi should of gone down . funny why they haven't sent a statement..I was reading that fca fined kennys for this behaviour back in 2010 aswell .. I'm just stressing not knowing what's round the corner and so glad I have u guys to talk to Thanks everyone for the 5 star help .it means the world Ps I will upload the solicitors letter tomorrow. cant believe they can't even get that right . i wish it was only £100 toward the arrears each month , but it's not it's £200 Just wish I could sleep at work at 6am and can't stop my head from overthinking it all

Hi hb I wrote to them to ask if I could have a payment holiday for a month and also I advised I was moving jobs . they ignored me and didn't reply . Im only in a mess because I moved jobs to a better paid job and old company took £500 off my wages when I left . .I just hope a judge can see I have tried all my best to advise Kenny . Who didn't want to know and just went straight for eviction also the arrear were just over £30k when I went to Court in 2016 they now stand at 21.1k and I will be paying £792 in the next 2 weeks so will be down to £20.3k approx . Kenny's just won't listen and pass me from pillar to post and lie when I call them .. they tell u different thinks each time u call … I haven't called them and they keep sending letter saying to call them ASAP and texts to say call them ASAP I have written to them but they keep ignoring my letters . We are financially stable now with the new job and can't wait for the day I can leave these criminals .. I feel so so down and dread each day to day . Markez

I know and it makes me feel so down . I have missed 1 payment to and I'm trying to make it up ...I really am . ..oh no I don't know what to do it churns me up so much Regards Markez

The solicitors have sent another letter dated the 6th It states ..we refer to the hearing which took place in 2007. An order for possession was granted suspended upon payments of the current monthly instalment together with £100 each month to reduce the arrears. That's not my typo ! The order is for extra £200 !! They can't even get that right !!! As you have not complied our client has instructed us to enforce by applying for an eviction date to be set .. Grrrrrrr I will upload the letter later this evening . Regards Markez

Thx HB