Jump to content


  • Tweets

  • Posts

    • You can't, but you can (and really should) bring up the point that the lender isn't meeting their legal obligations in selling the property for fair market value. You'll have to do this in court, though.     A receiver is bought in by the lender, not you. If they're a registered insolvency practitioner, you may be able to raise a complaint to the insolvency service but there are no guarantees here. Many receivers are also registered with the RICS and self-regulate so if you know the name of the receiver you can check there, again no guarantees.   https://www.rics.org/surveyor-careers/career-development/accreditations/registered-property-receivership-scheme
    • China green-lights mass production of autonomous flying taxis — with commercial flights set for 2025 | Live Science WWW.LIVESCIENCE.COM The EHang EH216-S autonomous flying taxi is the first eVTOL ready for mass production and could lead the way for flying cars around...  
    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Commitments Protection - and kensington Mppi


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3160 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Currently have a case with the FSCS that i am trying to do myself :frusty:

 

Started as something else but they wrote to ask for details of a mppi policy

 

. I am now trying to find information to submit to them but going round in circles.

 

Have been told by solicitors the cheque was made payable to Commitments but sent to the broker (who is declared in default with fscs)

 

Neither ourselves, the mortgage company nor the solicitors have any further details regarding policy numbers etc. as it was all done by the broker.

 

Interestingly i had a call followed by a letter from a Commitments earlier in the year (which i still have) saying to fill in the attached form. The form attached was for a Middleton solicitors.

 

A further search of Commitments gives me several addresses for them in the past 2 in Shrewsbury 1 in Redditch, 1 in Huntingdon

.

The original Mortgage Payment Protection was NOT on the mortgage keyfacts but the total advance provided to the solicitor and the solicitors completion statement included a £2500 for MPP. This was the fee the solicitors confirmed as a cheque to broker.

 

Are these companies one of the same? ie is the company we paid the £2500 to from our total mortgage figure the same company that were encouraging us to use Middleton Solicitors for a fee of 30% + vat?

I declined this and asked them not to contact me again.

There is a policy number on the pre-printed claim form.

Could this possibly by the original number?

Anyone had anything similar?

Link to post
Share on other sites

We've seen similar before

Whereby you are encouraged to go thru their cmc and they take their share

 

Have you ever sent the mortgage company an sar?

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Lost my last reply

 

Thank you for your reply.

 

I have spoken to the mortgage company (Kensington) who say there was no payment protection on this mortgage and they know nothing about it?

 

It was only out of curiosity and cheek that i called the solicitors they used because it was on their completion statement.

 

They said then no longer have records but do have a ledger which shows the date, who it was payable to and who it was sent to.

 

It may be worth mentioning that several years ago a claims company did request Kensington to look at the mortgage and it came back as no payment protection.

 

best wishes

mooo

Link to post
Share on other sites

On God Kenny the fleecers .

 

You'll never get a. Straight answer out of them

 

Back later

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

not sure if you've seen these yet...

 

 

Hi

.

Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator

for treating borrowers who were in arrears unfairly.

.

Claim those charges back plus the interest and tell them not to add any more to the account.

.

There are a few news stories here you can get the info for a letter to send to them.

.

http://news.bbc.co.uk/1/hi/business/8615870.stm

.

http://www.fsa.gov.uk/pubs/final/kensington.pdf

.

http://www.theguardian.com/money/2010/apr/12/fsa-kensington-mortgages-fine

.

http://www.moneymarketing.co.uk/news-and-analysis/mortgages/fca-orders-kensington-to-change-unfair-mortgage-terms/2005762.article

http://www.mortgageintroducer.com/mortgages/236498/5/Industry_in_depth/Thousands_of_homeowners_set_for_big_mortgage_refunds.htm

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi - would you be able to post up the policy number please - I'd like to see the format as I used to work for Commitments years ago - may be able to help.....also did they give you the name of the broker as it should correspond with part of the policy number?

 

Thanks.

Link to post
Share on other sites

Hi - would you be able to post up the policy number please - I'd like to see the format as I used to work for Commitments years ago - may be able to help.....also did they give you the name of the broker as it should correspond with part of the policy number?

 

Thanks.

 

I would advise not posting any personal identifying policy/agreements numbers to the open forum.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Many thanks for your replies

Thankfully in the years we were with Kensington we never had a late or missed payment of any description.

Very fortunate and blessed i guess. It was paid off and moved after 3yrs.:clap2:

 

Lovely of you to offer ccholland but as previously mentioned i dont actually have any policy or account number

or any paperwork with reference to a policy.

Neither my husband or i even knew we had it.

 

The broker (A2B) as previously mentioned, are declared in default so unable to contact them nowadays.

They did everything (yes i know, very naive)

They just sent everything with sticky notes saying sign here, here and here.

This was back in 2005.

 

I have all the paperwork relating to mortgage, solicitors, deeds etc etc but there's no policy, no policy number or anything else with Commitments name on.

 

When Commitments called and then sent the letter it has an account number on.

filled in as SP MPPI No. which starts ALSO00S, then the brokers name.

 

 

They were VERY insistent and kept calling us, roughly 10 or 12 times in a week from receiving a claim pack

and they were trying to set up a visit.

 

 

It just put me off and made me incredibly suspicious so told them i didn't want them to do anything.

I hadn't signed anything so please leave us alone.

 

A bit later and I know its naughty and it will probably be frowned upon but it was only because of this i looked at the paperwork in more detail.

 

It was only then i saw that on the Mortgage Offer there was no mention of Payment Protection whatsoever

and then looking at the Solicitors Completion Statement that i noticed the £2500 was only on the latter.

 

 

The figure advanced from Kensington was the same as what was distributed though?

Thats why i actually think it may be possible Kensington have no record of it?

Or am i doing my naive thing again? lol.

 

 

It was solicitor that Kensington used that gave me the information from their ledger of date, amount and who the cheque was made payable to.

 

I just don't know who to ask for the details this policy so that i can submit it to the FSCS.

If i use the number thats on this claim form Commitments sent the FSCS are going to ask me for a copy of the policy which i don't have.

 

The help is appreciated

Best wishes

Amanda

Link to post
Share on other sites

should wish to PM ME I will fwd the info to CH..

I my mind you DO have MPPI

and its being hidden from you.

 

 

pers I'd be phoning the FOS on this

or even the ICO

as details of the policy are being withheld from you because they want you to use their approved CMC?

 

 

that is VERY VERY WRONG.

 

 

go complain on the phone and ask what you need to do to get the info released to you and by whom.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

May I ask how you know that a2b are in default as I believe they are still trading?

 

Their fca number is 300107 and their contact details can be found on the fca register under that reference - they are a2b mortgage company and I remember them......

 

To be fair as well if it is a policy from 2005 then the insurer would have been Am Trust International

- their current fca number is 203014

- it may be worth a phone call to explain your dilemma and ask if they can trace a policy for you?

 

Amtrust international.com

 

Or was it a2b homeloans?

Link to post
Share on other sites

sorry yes it was A2B homeloans :sad:

 

I think it's probably too late to go to the ICO as the FSCS are involved? They wrote to me after I submitted a form regarding A2B to say they had discovered there may be ppi attached and to complete the new form and return within 2wks.

The information I am looking for is to be able to complete their form but obviously I'm at a standstill because I'm clueless who to contact to acquire it, hence my going round in circles comment.

 

Mooo

Link to post
Share on other sites

Morning,

 

 

If it was A2B Loans and it was 2005 then the Insurer would still have been Amtrust. I would go to their website: amtrustinternational.com and look for the 'contact us' section.

 

 

Use whichever method you wish to make contact with them, explain your predicament and see if they can help. They may still have archive copies of the underwriting bordereaux which would have been provided to them with details of all live issued policies on. You will have to give them as much personal info as you can from that time, ie full address, name(s) if joint cover, dates of births, total premium, etc. Mention Commitments Protection who they may have as Lawcost Underwriting.

 

 

Good luck.

Link to post
Share on other sites

'It was solicitor that Kensington used that gave me the information from their ledger of date, amount and who the cheque was made payable to.'

 

 

Just a thought as well re this statement you made earlier - would there have been a reference number on their ledger as this may relate to a policy number as well?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...