Old GE money mortgage now Kensington - Arrears & Payment Arrangement

[surrey_36]

My folks are going to be calling Kensington this week and making a full payment of the arrears, if anyone has a chance to run their eye over this lifetime statement and see if anything jumps out that is not right. 

 

I know i've completely messed up by not addressing the illegal charges when i had the chance to and i'm really kicking myself about this now as this £11K figure would be probably nearer £5K and my god would that make a difference right now 

 

At the time that I was trying to deal with this situation with these charges I had been admitted to 2 separate rehabilitation centres for severe clinical depression, I couldn't even look at a piece of paper

 

Attached Document 2.pdf

[dx100uk]

my folks

you mean a 3rd party...is going to pay off your arrears?

 

 

you should have at the earliest alerted us too:

9 hours ago, surrey_36 said:

At the time that I was trying to deal with this situation with these charges I had been admitted to 2 separate rehabilitation centres for severe clinical depression, I couldn't even look at a piece of paper

 

9 hours ago, surrey_36 said:

I know i've completely messed up by not addressing the illegal charges

 

they are not ILLEGAL (criminal) they are unlawful (civil)-  its a civil consumer credit agreement/mortgage/secured loan.

 

i would carefully look at your charges spreadsheet and ensue it encompasses EVERY charge they list in that PDF.

 

i would also not RING THEM.

use EMAIL or formal LETTER offering to pay the arrears 

BUT i would also REPEAT that they are not happy paying £XXX for the arrears when there are £1000's of unlawfully penalties involved