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Airwolf

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About Airwolf

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  1. Isn't seperating them a good thing, especially when defending claims. It will be easier to show a court or for that matter the FOS, how much of the alleged arrears is charges
  2. Hello Cat I have a feeling that MTR is just a shell company. Everything to do with your mortgage is done through Crown as the administrator of your mortgage, which would explain why it is their address that is on your letter. I will take a look at the accounts for MTR tomorrow and see if anything springs up.
  3. Mr MacDonald was replaced on 2 November 2011 by Mr John Nowacki
  4. Hello Cat The registered address for MTR is Name & Registered Office: MORTGAGE TITLE RESOLUTIONS LIMITED 35 GREAT ST HELEN'S LONDON EC3A 6AP Company No. 06644685
  5. Ok just checked the FSA register on the FSA website. 306235 - Crown Mortgage Management Limited Address: Crown House Crown Street Ipswich Suffolk IP1 3HS Phone: Fax: Email: Website: 44 01473 283 800 44 01473 283 848 [email protected] www.cmm-group.com Nothing coming up with the FSA for MTR so far but I will
  6. All I have done is look at their companies accounts, via the companies house website and just googled their name and go through the search results. It takes a little time but it is amazing what you can find out on the net. It is all there to be found
  7. It is a bit of a tricky situation and hopefully someone else will be along to advise. Normally you can reclaim charges (late payment) etc. However, as you say you don't want to raise their interest. You might want to let sleeping dogs lie on the chance that this slips through the cracks and you never hear from them. Under the Statue of Limitations it is 12 years but if the loan is regulated than the rules contained within the FSA handbook become binding as a result of the Financial Services and Markets Act 2000. I think you have done the right thing so far, try and find out as
  8. Hello Quack You will not get a new agreement/contract as your account was assigned (sold) to Webb. You would only ever get a new agreement if novation has taken place. You say you have recieved a letter, which by your description is a notice of assignment. If you check your "deeds" with the land registry now, Webb should be noted on the charges registry rather than Picture. You can check online for a small fee http://www.landregistry.gov.uk/wps/portal/Property_Search
  9. Here is some more detailed information about them http://www.cmm-group.com/cmm/en/pdf/S&P_Crown_201011.pdf
  10. Hello Cat If your mortgage is regulated by the FSA, the following rule from the FSA Handbook is applicable - https://fsahandbook.info/FSA/html/handbook/MCOB/13/6 MCOB 13.6 Repossessions MCOB 13.6.1 06/04/2007 A firm must ensure that, whenever a property is repossessed (whether voluntarily or through legal action) and it administers the regulated mortgage contract or home purchase plan1in respect of that property, steps are taken to: (1) market the property for sale as soon as possible; and (2) obtain the best price that might reasonably be paid, taking acc
  11. Hello Cat In the above situation there should not be any redemption charges applied to your mortgage account. Redemption charges are only payable upon the early repayment of your mortgage and not by the sale of your mortgage to another financial insitution, in this case 'Mortgage Title Resolutions'. Do you have details of what redemption charges have been applied ?
  12. Hello Cat The information in that thread is incorrect. The ownership is as detailed in my previous post. The following is from the accounts for CMM
  13. At a push, I would say that Crown Mortgage Managment, administer the mortgages on behalf of Mortgage Ttitle Resolutions. In a similar way to Acenden and Southern Pacific Mortgages Limited.
  14. As for Crown, I believe they are mortgage administrators From the Crown website About us Crown is one of the mortgage administration industry’s longest-established organisations. We believe that close partnerships with our clients will define our success. Every day, our people work with our clients to optimise the management of the portfolios with which we have been entrusted. We partner with banks, building societies, insurance companies, investment funds and other property lenders to service their residential and commercial loan portfolios. Crown Mortgage Management i
  15. Mortgage Title Resolutions, I believe has 3 directors and 1 Company Secretary (this information may now be out of date). The only human director is Mr James Garner Smith MacDonald. The other 2 directors and secretary are SFM companies. The following is from the SFM website SFM is a pre-eminent provider of independent directors, corporate administration and governance services to Special Purpose Vehicles ("SPVs") used in the securitisation and structured finance industries. The SFM Group's significant market presence has been built upon the fact that the principals are all experi
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