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pigland

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About pigland

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  1. Sitting Duck, Good luck, you are being told you have a case but it isn't going to be easy. I would try and go to a Solicitor or wait for someone to show you how to present your case.
  2. Hi all, Ref; Northern Rock sell off Question; Doesn't Northern Rock (NRAM) encompass B&B's buy-to-let mortgages? Have a look at NRAM's Annual results and profits! Am I missing something? The money lent for all Buy-to let Mortgages was not lent by the Government. The properties get repossessed through questionable means (some call it theft) the Government gets the loan money that they never lent and then they sell off what's left. Hey talk about going to the bank to get a loan! Don't you just love the irony! Kind regards Pigland p.s Ed: Been enjoyi
  3. Hey Diddled, That's a positive step! To explain to others why this is important; The aim at present of banks is to reduce their exposure to property and to shore up their balance sheets. A way of achieving this goal is to put pressure on property owners. The banks manipulate the archaic Law of Property Act (LPA) 1925 to appoint LPA receivers to take possession of property by circumnavigating the Court process. This allows them in many cases to leave properties empty with no rental income whilst pushing up the borrowers mortgage arrears. These arrears may be minimal, t
  4. Have MEX instructed LPA receivers on you? Please refer to Chillinglongs previous post! This is important!
  5. robbo 37, Record every phone call you have with Walker Singleton and with Mortgage Express. This will become invaluable later. kind regards, PL
  6. At last I get to talk to an MP! Welcome to CAG! Elsinore has asked IMHO some very relevant questions. We do need to know the POC (Particulars of claim) in order to comment. You say you've never had an agreement. Did they send a copy of an agreement with the POC? I'm no expert but if they've not sent a copy of the signed agreement and you've not got one. Then I do not know how they can establish a claim. I assume as this figure is between £50-£100k then the Consumer Credit Act is not relevant?! Does anyone else have any thoughts or ideas on this point or have any threads f
  7. HI NICKXX Well done for not letting this parasite in! Have you been charged unfair charges? Have you put the account in dispute? If you speak to the lender again; Always record the phone call. If you can't voice record(tell them at the beginning you're recording) always write down; Date of call, time who you spoke to and write as fast as possible! Kind regards, PL :@)
  8. Important questions for MEX customers to answer; Did one of the ex employee's of MEX set up Templetons? Did Templetons sell out to LSL in February? Do LSL own the valuers that value the properties that Templetons put up for sale? Do LSL own the estate agents that sell the properties for the LPA receivers? Do LSL own a big corporate letting department that manage a lot of properties under LPA receivership and do they get a percentage of the rent? Would they charge other bolt on fees? Would the borrower be responsible for these fees? Would MEX ever look at
  9. GH and all, Yep, costs and all. I thoroughly enjoyed myself in Court because of the grounding, advice and knowledge passed on by you all. The Claimants i'd say weren't having their best day! I particularly enjoyed the bit when the Claimants Solicitor said to me that I shouldn't be asking for the case to be Struck out on a point of law!?! I did point out that it was a Law Court. I felt the Judge was enjoying it too! I've Private messaged a few of you but some of you that have helped are blocked from receiving PM's soooooooooo. A Big thank you! :@)
  10. FOR THE CLAIMANT!!!!!!!!! Pigland Won! Thank you all so very much!!! I hope this thread gives others the strength to fight back. Thank you all that have helped and contributed.... I went to Court and the Judge Struck the claim out! Support the CAG I will! xxx :@) LOL Pigland
  11. I have now been to Court... Unfortunately after such a lot of effort there is bad news.....
  12. A big thank you to everyone that has helped or taken an interest. I will post up the Witness Statement I eventually submitted. I have now had some sleep and my brain is again functioning as normal. Well... as normal as my brain can! Thanks again. Kind regards, Pigland
  13. Witness Statement of Miss D Screet 08 September 2010 Re Hearing XXXX 22 September 2010 In the XXXXXX County Court Claim Number: XXXXXXX Between: CL Finance (Claimant) -And- Miss D Screet (Defendant) I, XXXX of XXXXX, XXXXXXX, being the Defendant, am a litigant in person in this case. 1. I make this Witness Statement in support of my defence against the Claimants claim against me. 2. I make this Witness Statement from information and facts within my own knowledge and which I believe to be true. In this statement I will refer to facts relating to t
  14. Thanks Car and Pt for your help! I’ve not even had that hour yet! I’m now flagging and will sleep in a minute! Pt; ‘I'll unapprove all but the latest one, so folks don't get confused’. Now I’m confused what do you mean? Point 8; for reference pureposes on CAG I have an agreement exactly like Howard Cohen/CLFinance V littlebert Virgin MBNA Agreement on CAG. November 2004 The agreement supplied is blurred, The Prescribed terms are on the back, of the signature side, there is nothing linking the two and you can’t read some of the terms. Point 9. The T & C’s look so totally
  15. Witness Statement of Miss D Screet 08 September 2010 Re Hearing XXXX 22 September 2010 In the XXXXXX County Court Claim Number: XXXXXXX Between: CL Finance (Claimant) -And- Miss D Screet (Defendant) I, XXXX of XXXXX, XXXXXXX, being the Defendant, am a litigant in person in this case. 1. I make this Witness Statement in support of my defence against the Claimants claim against me. 2. I make this Witness Statement from information and facts within my own knowledge and which I believe to be true. In this statement I will refer to facts relating to t
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