aha.. that's a good approach..

@ campari2 - that's a rather suspicious sounding copy of the app. form is it not.. hmmm indeed.. if you can remove identifying information and post it up here then perhaps some useful questions can be raised.. ..also, have you requested and received a copy of the loan cheque from the bank you deposited it with?.. it will at least confirm which company performed the loan agreement..

An appointed representative is a firm that conducts regulated business on behalf of a directly FSA authorised firm, who is its principal..

..as mildly entertaining as it may be.. please pay little attention to the previous post..

..just to clarify on this a little further & so as to avoid confusion.. SPPL act(ed) as an appointed representative of the principal SPML.. therefore they achieve(d) their regulatory authorisation via this relationship with SPML.. ..it's somewhat like acting as a sales agent.. you execute the loan through SPPL but for all intents and purposes it is really with SPML.. ..SPPL agreements and letterheads etc should state that they act as an appointed representative of SPML.. ..I believe, in this situation and as far as the courts are concerned, either SPPL or SPML can register title for example, or take legal action against you..

Lehman chicanery is tip of the iceberg | Prem Sikka | Comment is free | guardian.co.uk

@ EiE re: LR. I've attached a copy of the TR4 form used to batch register the titles. The key point is the date - 30 January 2009. And bear in mind the issue of notified legal assignment to SPPL considerably prior to that date. @ Supersleuth - quite agree.. TR4SPPL-SPML 30-01-09.pdf

Osborne blasts FSA over collapse of Lehman Brothers | Business | guardian.co.uk Accounting for Lehman, or Enron Pt 2 | Dan Roberts | Comment is free | guardian.co.uk Auditors' role in Lehmans collapse unites opposition in calls for reform | Business | guardian.co.uk

Perhaps it's time we took action from the other side of the pond... if that is possible?

bye bye Ernst & Young.. Regulators demand detailed Lehman Brothers' papers from Ernst & Young | Business | guardian.co.uk

@ kurvaface - a Subject Access Request to SPML might disclose the information you need...

..did you find what you were looking for Ryde? if not then try here: http://www.consumeractiongroup.co.uk/forum/search.php?searchid=3294275

Thanks for the info LD.. ..interesting letter you've received too.. seems to me that they're trying to shape up somewhat..

..isn't it also true that all UK based coffers were emptied prior to filing bankruptcy? I still maintain the opinion that there will be a large number of accounts (secured loans) moved to SPML from LPL/SPPL, between late 2008 and early 2009. What's the legality of contacting some of these LPL/SPPL customers?

I learnt to play fitba' in Scotland.. or are you saying that I'm so wide on the left that I'm actually still on the bench? ... On the SFO subject - it wouldn't surprise me if they don't see the full picture of all this.. totally gutless wonders in comparison to the Feds when it comes to white collar crimes.. then again, what do we expect given the government is in cahoots..

..any thoughts?.. anyone?

..well said..

Make sure & ask for copies of the original account agreements/applications & the ID used to open these accounts..

Hi All! I'm currently in a disagreement over the following point: Company A owns a debt & decides it wants to assign this to Company B. The debtor is informed in writing etc and all is above board. Company B is an appointed representative (as shown on FSA database) of Company C. Does Company C have any automatic rights to the debt assigned to Company B? ... My opinion is that there are no automatic rights to the benefit/interest/title etc in favour of Company C under the relationship principal/appointed representative. Am I wrong about this? Many thanks.. Zil..

..watching & waiting..

..hope so too..

..allergies y'see..

..wondering if I'm on the 'wrong' medication..

dang..spoke too soon..

..good to see sense and 'normality' returning to the thread.. *cough cough* I think we should keep a watch on Ernst & Young too (for information).. they are possibly the weak link and, surely, must be under threat from a very large liability claim indeed..