jeffkitty123
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Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
That doesn't matter now. What can I do? -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
30.00 fee £3258 originally Letter from Fairfax 28th June - arrears £2940.64 - but monthly payment made since for £545 -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
We kept up the payment arrangement for the above (50) extra per month. We heard nothing after this date to carry on, naively. but we havent missed any payments since (but havent reduced the arrears either) We have no where to go I tried ringing fairfax but they are not open until tomorrow -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
Help - Eviction order received today for the 25th July . Letter received from Kensington last week and we sent recorded delivery proposals for the full monthly payments plus an extra 200.. per month. They havent replied today we received letter from Fairfax dated 28 June applying for eviction order. Today also a hand delivered letter from the court for the above eviction date. Is there anything we can do? -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
So this is less than we have been paying to date. We have been paying £50 extra per WEEK. -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
Letter received today from Kensington I refer to your recent proposal to pay £50 in addition to your contractual monthly payment, in order to reduce the arrears on your account, currently amounting to xxxx Your proposal has been accepted for a period of 3 months, after which time, we will look to fully review your financial position. The first payment under this temporary arrangement will be in the amount of £596.54 due on the 31/10/17, and subsequent payments of £597.18 due on the last working day of each month thereafter. As we have agreed to a voluntary arrangement , this would be without prejudice to the court order. If you fail to make the payments we will automatically revert back to the original court order and if in default of this , we may instruct our solicitors to enforce the Possession Order. If the arrears on your mortgage acc are equivalent to or over your monthly payment on the last working day of the month, you may incur a £40 monthly arrears fee. The fee can be waived if an acceptable arrangement is agreed. I wonder if this is why we didnt have any fees added this month???) I trust this confirms the current position of your account. I think we can say thats a result -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
Hmm.. I don't feel like I'm winning anything atm dx ? How come, they can hit me with any thing really.. they see have the upper hand -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
Sorry what do you mean dx? -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
Quick update - Kensington sent out the field agent (AGAIN).. we were both in work and charged us again. Letter received from Kensington saying following our telephone conversation (what telephone conversation... I can only assume they mean the budget sheet and covering letter), we are looking into your complaints and will get back to you. Also letter received from drydens fairfax, thank you for your letter dated 21/9/17 of which the contents have been noted and we have referred your payment proposal to our client and are awaiting their instructions. Also received a mortgage statement that looks different - for the first time they havent applied any fees. The deadline date for when the order became enforceable was yesterday.. I am terrified of what is going to happen now? -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
I understand DX but keeping my house is my priority at the mo -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
They sent a field agent a few weeks ago, which we didnt ask for, or answer the door to, and they charged us, without the £40 arrears fee every month -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
Also, yes its a joint mortgage and our child (17) lives with us but he is not financially dependent. -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
Thank you so much Ell-enn, I will work on this tonight. Just an update we have received the following letter today from Kensington today:- We obtained a Straight Order for Possession Hearing on 11th Sept and note that you did not attend. This order becomes enforceable on the 9th Oct at which time we will apply for an Eviction date. Repossession is not a step that is taken lightly and it may be possible even at this last stage to reach a mutually acceptable agreement that will allow you to remain in your home. In view of the circumstances, we believe it would be beneficial for an independent field representative to visit your home. The field representative will review your financial position to help to assess your affordability to maintain your mortgage payments and clear the arrears over a reasonable period of time. Please note a field representative in unable to provide any financial advice. The service carries a fee of £96 that will be debited to your mortgage acc and this fee will attract interest until such time as it has been paid. If you do not wish to take advantage of this service please inform us within 5 working days on the above telephone number an you will not incur a fee. However, if you don not contact us within this period a cancellation fee of £60 may apply. Failure to reach an acceptable agreement will result in an Eviction date being scheduled and you will be expected to leave the property by that date. If you do not leave the property by that date a Bailiff will attend and evict you from the property. If you have not done so already, we suggest you make early contact with the housing dept within your local authority to establish where you are eligible for local authority housing of the property is repossessed. Should you wish to discuss the matter further, please do not hesitate to contact us on the above number. -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
Thank you Eric, I have an interest only mortgage, so nothing will come off the capital? I will get the letter off tomorrow I hate this company so much.. a few years ago we had compensation from the local authority for double glazing because a new bypass passed our property, but because they were in arrears with our mortgage, Kensington wouldn't authorise it, they wanted us to pay it off the mortgage -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
Ok thanks so much both, I will. -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
Thanks Ell-enn, I am able to pay, we are both working, and our 17 year old son has a part time job. my hubby has had a while out of work in the past, and playing catch up has really made us struggle. Look forward to hearing from you on Wed x -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
DX is that for the arrears fee? Maybe I need to fight one battle at a time? -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
I am really worried that I will be homeless I am terrified to be going to court -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
Mortgage statements? No I havent -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
Thank you that would be fantastic. Can I assume that this is definitely going to court. And if so, what can I expect to happen? -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
I cant speak to them, tried that in the past DX, i reckon they owe me thousands in arrears fees Ell-enn, tbh this is really stretching us, like I said before we have been in arrears in the past and have borrowed money off family to stop action for which I am paying back 100.00 per month. We could probaby afford realistically 600.00, we just felt pressured into the extra 50 per week. -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
No we didnt We thought that this was just an application to reinstate the original order So, is that it, our home is gone? -
Kensington 28 day possession order
jeffkitty123 replied to jeffkitty123's topic in Home Repossessions
Kensington Mortgage Company Limited -
Hi I have received a letter re: possession order from Drydensfairfax today (not unexpected) for arrears of £3258. The letter states that the order will become enforceable on 9/10/17 and that a money judgement for £92982 was also obtained. The letter asks that I clear the arrears in full prior to this date . If I am unable to clear the arrears, to forward proposals for clearance of the same within the next 7 days. (I have no way of clearing these arrears). Once the enforcement date had expired they will apply to the court for the issue of a Warrant of Possession. The only way that action will be cancelled is on clearance of the arrears in full. Should it be necessary to apply for enforcement, you will be notified of the time and date of eviction direct from the court. what happens next and what can I do to stop this. Mortgage payments £550, have recently been paying £600 with an additional £50 per week. I cant afford any more than this. Forgot to add that we have previously been in arrears, around 2 years ago, but borrowed money from family to clear it, which we are still paying back. Cant go down this route again
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