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    • Mr Lee helped to grow his father's small trading business into a global industrial powerhouse. View the full article
    • So here's a thought:   The average age of someone dying of Covid-19 is 82.4.   The average life expectancy is less, at 81.4.   The rest of the population is making huge sacrifices to save people who, on average, would have been dead anyway.   I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many.
    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Freight industry body warns the lack of an agreement on tariffs could make things more expensive. View the full article
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Carmel Butler / House of Commons


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Thats even better, so the 395 form is proof the spv granted a trustee the right to mortgage the legal title to the mortgage it owns ( not the property owned by the borrower).

 

 

Virtually right..the form 395 is proof that the SPV has exercised its LEGAL POWERS, AS THE LEGAL OWNER. To create a sub-charge you must be the LEGAL OWNER. So if the SPV was not the legal owner of your mortgage - it could not create a sub-charge.

 

But the bit where you say, that that the SPV granted a trustee the right to mortgage the legal title is incorrect. It is the SPV that HAS granted the Trustee a MORTGAGE on YOUR mortgage (i.e the subcharge). Therefore, the Trustee OWNs a mortgage against your mortgage contract.

 

If the SPV doesn't pay ITS lender (i.e. its investors), then the Trustee will enforce ITS mortgage against the SPV, who will in turn HAVE to enforce its mortgage against you, in order to pay its investors.

 

Think of it like dominoes.

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The granted bit is a bit confusing, the SPV transferred the sub-charge to the trustee, after creating it?

 

Or did the spv grant the trustee a right to create a sub-charge on your mortgage?

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Love to take the credit for Supers disection of this aspect of the argument. I have been erroneously credited for something Super posted above, Credit where credit is due. EIE is a baby in this compared to Super.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

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

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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I have, thanks ss

 

Would you mind quickly explaining, or point to a post, how the lender transfers the legal title to the spv?

 

I know this has been discussed at length lol, im just having a hard time finding out what the legal process behind this transfer of legal title from the lender to the spv is.

 

Again apologies for rehashing subjects.

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I'm guessing this is why Abbey's SPV is registered at Abbey House & not in some Cayman Island

 

Taken from a prospectus http://www.eurobank.gr/Uploads/pdf/Offering%20Circular%20for%20Themeleion%20Mortgage%20Finance%20PLC_14_june.pdf

 

 

The Issuer (The SPV) shall not so long as any of the Notes remains outstanding:

 

(ii) Restrictions on Activities:

 

(b) open or have an interest in any account whatsoever with any bank or other financial institution, save where such account or the Issuer's interest therein is immediately charged in favour of, and to the satisfaction of, the Trustee so as to form part of the Security;

© have any subsidiaries;

 

(d) own or lease any premises or have any employees;

(e) amend, supplement or otherwise modify its Memorandum and Articles of Association; or

(f) issue any further shares;

 

 

Any new news on Carmel Butler?

Edited by roony
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I think supersleuth explains it a cple of pages back, its basically a mortgage on your legal title, that gets transferred to the spv, from what i understand.

 

I'm still going through all the threads posted on here, its just taking ages which is why i've been asking basic questions.

 

I was wondering what law states the legal title has to be transferred if you create a sub-charge?

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I'll second supersleuth's vote BRW!

 

And I'll third it. Brilliant summation BRW - didn't watch the program but your post is so lucid.

 

I don't tend to visit this thread much so probably time to sub in....

Edited by bustthematrix

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Banker Rhymes with is certainly gaining notoriety/respect for this.

 

I am sure to forward this post by he or she in respect of a a very very wicked plan I have to a person or persons renowned for getting up the shirt tails of these wickless wonders.

 

Did have an idea though - we won't name, shame and PUBLICISE if they start treating us fairly - permanently - for the lifetime of our contracts?

 

Didn't think so peeps, so in that well worn legal phrase 'for the avoidance of doubt' - trawlers consider this as our full and final offer!

 

Oooh If only you trawlers knew which persons are in mind???

 

Scary!!

 

There will be more oooh so much more to come!

 

NOW SIT UP AND BEHAVE YOURSELVES!

 

(Unless your are Just obeying orders from your SPiV masters)

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

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

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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I have moved all the off topic stuff to the BG.

 

I just moved the lot, so apologies if some innocent posts have got moved with them.

 

keep it civil please folks, abuse will likely result in moderation.

  • Haha 1

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Yes HSBCrusher, Edit out the names.....oh just how very revealing it is that the NAME was so on the ball and complained....is this more of the alleged defamation...anyone watching this thread over the last few hours WILL now KNOW where SAD BUT TRUE COMES FROM AND WE NOW KNOW WHO IS THE COMPLAINANT!!! And you're complainant is here on this site on a Friday evening. It really is SAD BUT TRUE the power that these people have over us even discussing their rot.

 

 

Note that this post has mentioned NO names - will your complainant want this post removed too?

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All the stuff has been removed to the BG, well, nearly all. ;)

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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SBT GOT very short shrift from me-moronic line of inquiry IMHO! It was obvious after about 5 posts. Totally rubbish. Raise your game you wotsits!

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

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

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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My goodness, your complainant didn't stop at much...every single post from today has GONE. Noticed that the point at which I became "unapproved" is when I asked SAD if she/he worked for a particular law firm? Tjat's the point at which things became unapproved. But also Noticed that you didn't have any objection to SAD mentioning names? Interesting...but then again, SAD was only mentioning an individual and not a powerful law firm. And by god are they powerful. They can control the CAG site too by the looks of things at the drop of a hat. Well done powerful law firm.

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PS CAPSTONE ARE ON RECRUITMENT OVERDRIVE. Anyone feeling confident enough to do a Donnie Brasco?

Just asked because I asked before and no one got back:D

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

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

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Shocked and disappointed with you Site Team - a whole 24HRs of posts gone missing because of one powerful law firm - what happened to freedom of speech, oh, that's right, you're only free to speak if the powerful law firm agrees with what you say - right? They sit as judge and jury in their own cause and that's OK is it?

 

The only good thing that has come out of this is that some of us now know who is interferring with free speech and who it is that is threatening you.

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Talk about delusions of grandeur

 

If it helps building up the value of your own self importance, continue to think that I am from some law firm etc.

 

You are sadly mistaken and kidding yourself

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IF this site is being interfered with can somebody please give us the official due date of the introduction of the new fascist regime. Or is that only privy to those already in the know? Has anybody here actually read the Regulation of Investigatory Powers Act (2000)? This is the most scary SH!T I have EVER come across. WE ARE 1984.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

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

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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SAD,

 

I accept that you are hostile and nasty and that you will not be civil. That's fine. As of this moment, I will no longer respond to your irrelevant diatribe.

 

Oh EIE,

 

Thanks for your post - it's good to add some humour into all this rot - it made me laugh out loud!!!...even though it is another one of those SAD truths.

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