Deleted

ARI

I feel as if I am fighting a losing battle with Kensington. Going through a specialist broker (costing the world)

Details
Me salary 19k + over time
Hubby Salary 18.5k overtime
1 child full time school

Adverse credit all older than 2 years and mostly paid off.

House price 105k with 15% deposit lending 89.5k

Submitted all documents everything is fine, they then pick up on a £30 dd set up to pay an old debt and assume I’m in a debt management plan (it never got bad enough for DMP), paid the account in full and send a copy of the Statement for this debt to Kensington and the issues start.

When the payment was first agreed there was an issue with the DD not through any fault of my own. The first payment was rejected and this shows on the statement, Kensington as you can imagine are not happy about this and want confirmation that it wasn’t my fault. I’ve provided a copy of the bank statement from April and its shows no dd coming out my account for this. I’ve managed to get the account I was paying to confirm it was a banking error. But I seem to have a hit a stumbling block when they’ve replied with the below sentences.

“we confirm on the 29th April your Direct Debit was cancelled as your bank held no instruction for you”

I’ve just forwarded this on to the broker’s admin and have been told that this would still imply that “I” didn’t set up the DD with the bank. As far as I’m concerned I provided this company with my bank account details and “they” set up the DD with the bank as all dd’s are set up.

I just wondered if any of you lovely super smart brokers might have any words of advice on this?

Thanks
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