Kensington SPO ***Resolved***

[markez78uk]

I have missed Dec Jan and Feb . Then I'm now going to pay cmi off 698 and 220 towards the arrears that will be 918 every month

 

To be honest I would rather pay a round 900 as the cmi goes up every 3 months so I would always have a bit left if this was the case so I could afford the rise

 

Ooh u mean the guarantor loan ?? Yes as that goes out of my wife's account the same day she gets paid sorry I miss read that .

It's Kensington that I have missed Dec Jan Feb

[citizenB]

[markez78uk]

Why is that an issue ?

[citizenB]

Why is that an issue ?

 

I just wanted clarification, not an issue at all.

[markez78uk]

What do I need to do next ? Await the decision of payment proposal ? And if they decline! An eviction date will be issued .. :(

[Ell-enn]

Hi, yes it would be wise to wait for their decision. If they do not agree and issue an eviction date we will help you with the N244 application.

[markez78uk]

Ok that's brilliant ! Thanks so much ..you guys and girls are the best !

[markez78uk]

They have accepted the proposal over the phone on provision they speak to my wife

about the arrears as its a joint mortgage and also get step change to liase with them

 

 

I have been so depressed with it all and they said even if pay 200 a week starting Monday

if they haven't heard from my wife by end of March they will issue repossession

since letter before warrant was applied for on 25th March ??

 

 

Wife is calling them on Wednesday

she is fully aware of the arrears and mY state of mind

but how is it fair to state that will accept 200 a week but if by end of March

even if I've paid they will go for possession if they don't talk to my wife

or I send them info for step change ??

 

 

All I did with step change was fill in gems online who then in return advised what I could afford ??

[markez78uk]

I'm trying to pay The agreed 200 online to kmc

it's stating card details are invalid and won't let me pay !!!

This is on both cards.

 

 

They have done this previously and blocked our cards

they stated because wife name on mortgage was her maiden name

and they hadn't got our marriage certificate !

That's was last June 1 week before they issued repossession .

 

 

They have since had marriage certificate and had payments since then .

From this card this in turn stops me paying them I work 9-9

and can't call them on works phone as they charge per minute

and place u in queues for 20 mins at a time .

 

This company is going to drive me to an early grave.

[dx100uk]

if you know the details of kennys bank

and your mortgae agreement number

use your banks interweb site

and do it by bacs transfer [paybills]

 

 

then they don't have your card details.

 

 

dx

[Ell-enn]

Do you have an email address for them ?

[markez78uk]

They won't let me email them already asked .

Awaiting account number and sort code

- trouble is I'm running out of time as it has to be paid today

. I will try and call at 6.30 pm as I have a 30 min break

 

Also do u think its fair stating they will accept 200 a week

but may still issue repossession if wife doesn't tak to them

and also if I don't get step change to talk to them ??

 

They also won't send a letter stating they have allowed me to pay 200 a week this month

..just confirmed it over the phone on Friday afternoon

[dx100uk]

its really about time you demanded everything in writing only.

and stopped using the phone totally

you are under no legal obligation to converse by phone at all.

 

 

a papertrail is what is needed

they you'd have the ammunition to nail them by the judge

if a next time happens.

 

 

.have you looked at the bill payment section of your banks interweb site.

 

 

mine has the details of all mortgage companies

you simply select Kenny's from the pulldown list

it does the rest

and you simply enter your mortgage account number.

 

 

dx

[markez78uk]

Spoke with them 20,mins ago

 

apparently they haven't agreed to a proposal they are allowing me time !!

 

To pay the proposal of 200 a week until end of March

then they will go to head office to see if they will accept my proposal

but I also have to send in my medical history as I have been depressed

and also send some proof I have been seeking help via debt online services .

then they will consider my proposal .

I've been given till the end of March ??

 

If by the end of March - head office decide they won't accept my proposal

they will go fo eviction even after allowing me to pay 800 all through March

 

They stated my wife has to call them on the phone ???

Can she send a letter instead signed by her ??

To advise about she knows about the arrears

- Kenny's stated if she doesn't call by end of month they will go for repossession !

 

 

My account is now with Kenny's sensitive case team ?

I presume because I have been honest about my gambling problems and my health

 

Unfortunately I only have a basic bank account dx

Thanks for the advise th0 !

[Ell-enn]

did they give you bank details to make the payment ?

[markez78uk]

They posting them :0 but I'm going to ring at 6.30 and pay on the automated phone system

 

Just made a payment - so can my wife write to them ? Instead of calling them so we have a paper trail ??

 

Meant 25 th Feb 2016 a letter before warrant was issued - not 25th March

[markez78uk]

so agreed on 29th Feb I had till end of March to send all my docs on

and show willing ness to pay 200 a week

 

 

- today got a letter dated 3rd March from eversheds stating eviction date will be applied for in 7 days !!

However is it a legal letter if it has wrong name on it (WIFES MAIDEN NAME) o

f which was changed last year in August ! and the arrears figure is wrong ??

 

 

I've just contacted Kenny's who stated It's cross over letter ??

And they were sorry :0 my case is with specialist services

because of my anxiety and depression this letter helped alot !NOT !

 

Also can my wife send a signed letter stating she is aware of the state of the account ?

As they keep stating it has to be done by phone ?

 

 

If she talks on phone and we go to court Kenny's can say anything they want ?

Thanks - a very worried man :0

[dx100uk]

stop phoning them writing only!!

 

 

dx

[markez78uk]

I had to call to ask quickly about the .eviction date letter to stop the panic in the house hold . I will get my wife to write ! However they have stated if she doesn't call them by the end of March they will issue eviction :0

[dx100uk]

stop panicking, end of march is way off.

 

you also need to write to them and get a full breakdown of the £1325

 

whilst writing

you clearly state that you and your wife

will only now communicate by LETTER ONLY.

 

phonecalls will not be accepted and your numbers are to be removed from their database.

 

TAKE CONTROL

[markez78uk]

Your a star dx ! Wish I had your attitude on life .

Regards

Mark

[markez78uk]

Hello guys .

 

I have paid my proposal this month that I sent 1st March

and have been waiting 4 weeks for an answer

 

 

got a call today stating the arrears are too high and they are applying for an eviction date .

They issued letter before warrant end of February

 

Please help the arrears have gone up by 500 since last September when I went to court .

 

The judge noted I proposed cmi plus 280 but kensington where taking 300

I have proposed the cmi plus 150 every month starting from April .

 

 

Kensington have stated that's not enough !

 

Please help I'm so down right now.

Regards mark

[Ell-enn]

How were Kensington taking 300 instead of 280? are you paying them by direct debit?

[markez78uk]

hi yes I was paying via direct debit in October and November and December - then I cancelled it as we where having issues with employment .

im so scared as I have been to court 3 times now and have a suspended possesion warrant in place that Kenny's renewed in sept 2015

do I need to await the eviction date ?

[dx100uk]

wish you'd stop talking on the phone!!

 

 

put the phone down..writing only.

you need a paper trail