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keates

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  1. Please....is anyone on CAG still in the process of fighting Mortgage Express over repossessions, LPA receivership etc? Would appreciate hearing from you on this forum thank you. Joan Keeley
  2. Stitched up but not given up. I have spoken to so many people over the years, some close to suicide, who have had their lives destroyed by banks appointing LPA receivers. It's unjust and immoral
  3. Yes there is but nothing really to worry about I guess as I lost everything at the hands of Kent Reliance Building Society when they appointed LPA Receivers over my buy to let business so nothing left for anyone to take! I lost my business and my home and now have a roof over my head thanks to a charity! A far cry from the five bed house I had not to mention the good lifestyle. I should write a book about what the banks have done to me :0
  4. I was not aware that my ex partner had removed me as a director until some time after it happened. I have now done an SAR on HSBC and received all the documents but I'm still not really sure where I stand. I definitely signed for what I now know to be a managed business loan. I'm able to contact my ex partner but really don't want to discuss this subject with him
  5. Thank you for your reply. I forgot to mention that I signed a personal guarantee along with my ex partner for the overdraft. I believe my ex is probably still paying the loan but I wondered what would happen if he stopped. I definitely signed the managed loan paperwork but I don't know if I gave a personal guarantee. I think your advice about an SAR is a good idea. Can you point me in the direction of information about HSBC Managed Business Loans please? We didn't realise that it was a managed loan when we took it out. It wasn't explained to us in that way and they
  6. Many years ago, around 1996, I became a director of a LTD company owned by my ex partner. We had an agreed £20k overdraft on our HSBC (originally Midland) business account which ran until around 2011 when HSBC called us in and said that we could no longer have the overdraft and that we would have to transfer the £20k to a Managed Business Loan. I jointly signed the loan with my ex partner. Some time after this and without my knowledge, my ex partner removed me as a director. Please can anyone advise me: 1. Am I responsible for the loan which I believe is still outs
  7. RICS don't award compensation but it might help my case if they upheld my complaint. I think I have a claim against the bank for breach of contract for conferring the power of sale in the first place and the receiver for acting beyond her powers but both the bank and receiver have bled me dry and taken my business, my income and my home so paying for legal advice is out of the equation and that's why I am left trying anything I can think of to take things forward. Just one of thousands of victims of unregulated receivers whose lives have been destroyed!
  8. The injunction was against the LPA Receiver. She had already sold two properties and had been told by my then solicitor that she did not have the power of sale but she ignored the advice and went on to sell three more. By this time, the Land Registry realised that they had made an error in accepting the transfer documents from the receiver for the first two properties so refused the transfer documents on the other three and the bank had to step in and complete the transfers as mortagees in possession but that didn't change the fact that the receiver was the person who had put the properties up
  9. Because under the Law of Property Act 1925, LPA Receivers do not have the power of sale. The power of sale can, however, be conferred to the receiver by the lender if there is an express term in the mortgage deed or any written conditions on which the mortgage deed relies, that states that the lender has the right to confer the power of sale. In my case, there was no such express term and I was granted an injunction in court, preventing the LPA Receivers selling my properties. The reason I complained to RICS is because my LPA Receiver is a member of RICS and is bound by RICS Code of Pract
  10. An LPA Receiver sold my property but she did not have the power of sale to do so as it had been conferred on her by my bank in her letter of appointment in breach of my mortgage deed. As she is a RICS member, I complained to RICS but they say that because she took advice from a solicitor prior to the unlawful act, she has done nothing wrong and so RICS will not take action against her.
  11. I had a fraudulent, unlawful act committed against me but when I complained the perpetrator said she had done nothing wrong because a solicitor had told it was OK. Is this a defence in law please? Does anyone know?
  12. There is now an All Party Parliamentary Group (APPG) on Fair Business Banking. I know from the years that I have been on CAG that many have found themselves in dispute with their banks and when it comes to SMEs in this position, there is really nowhere to turn. The FOS is of little or no assistance and the legal route is usually financially impossible. That is where the APPG comes in and is working hard to change things so there is a level playing field. Here is a link to the APPG site http://www.appgbanking.org.uk/ The APPG site tells how you can become involved and it is also cu
  13. I didn't know I could do that. I've had links blocked in the past Regards, Joan
  14. Hi Andy, I totally understand the rules and the reasons for keeping all advice on the open thread and I have no wish to go against that but I'm sure you will appreciate that all I want to do is to help this person if I possibly can and I know that if I send him links to information that would be useful to him at this very difficult time, it would be blocked. This person is in desperate need of help. Kind Regards, Joan Keeley
  15. I can only tell you what I would do based on my experience which is that banks and LPA receivers will not enter into any negotiation. I don't know how much research you have done and I wish I could speak with you but I know that this forum will not publish personal details otherwise I would give you my telephone number and email address but my name is Joan Keeley and my bank is Kent Reliance and if you 'google' those you might find me. I'd love to talk with you. So, if I was in your situation and knowing what I know now, I wouldn't say anything to the bank or the receivers, I would just
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