Mortgage Express appoint LPA Recievers Walker Singleton to scare tenants off!

[stevethebroker]

ok here it is- THE OFT DOES NOT INVESTIGATE INDIVIDUAL COMPLAINTS AGAINST IT REGISTERED MEMBERS. The licence no for Mortgage Express is 0275674. I was advised to email them my complaint so they can have that on file. This will then (potentailly) be used as evidence on the renewal of their licence!!!! So am I not correct in stating that MEx / UKAr have us 'over the barrell' because they know that we are simply fighting as individuals!!! I am taking the fight to them either way but I prefer to do this as a group unit so we cannot be ignored! Their email address for complaint is [email protected]

[stevethebroker]

just contacted the financial ombudsman service 0800 023 4567 http://www.financial-ombudsman.org.uk/contact/index.html They will be emailing me a form to fill in. They advised me that when I return the form, I should attached a list of names of people who are already complaining about MEx/ UKAR? N Rock! Of course, i do not have such a list!!!!

[Jim Orr]

Hi Steve,

 

I am not scared or intimidated by this bunch of uneducated wallies. I had an Employer run off with £12k of my commission and then he wound the Company up and this was was caused my 2 buy to lets to fall into arrears.

 

I have served my "sentence". WS collected rent from November 09 until May 11 by which time there were no arrears. I asked for my properties back and I was refused. I took my properties back. The MX Mortgage Conditions state that WS are my Agents and I sacked them. They then licked their wounds and appointed Drydens solicitors behind my back. My tenants have been threatened with Eviction Proceedings at the Hull Court and I have been threatened with Possession Proceedings. A court hearing was set for 9th March 2012 and Drydens did not notify me of the Court hearing I found out through a third party.

 

I have written to David Cameron and received a response from one of his Ministers stating that Buy to Let Lenders must be REGULATED BY THE FSA. This is the only way we can stop them from making up the rules as they go along and moving the Goalposts. If I had a weaker mental and physical constitution I would probably have committed suicide by now which would add manslaughter to their other huge list of misdemeanours.

 

I have been summonsed to a meeting and will meet with the three "thugs with a letter head" next Wednesday, WS, MX and Drydens.

 

I will NOT SIGN ANYTHING. I will NOT agree to anything. I will not agree to any variation of the mortgage conditions. I am seeing my Solicitor on Friday. If it was not illegal I would take a baseball bat to all of them which is exactly what they have done to me but by way of mental torture.

 

I think the meeting next week is an excuse to get me in front of 3 sets of bully boys that are all in cahoots with each other.

 

Under the Administration of Justice Act 1970 to ask for money with menace is a CRIMINAL Offence.

My tenants had paid me. I had served my sentence, cleared my arrears and I am the Landlord.

 

The tenants were threatened with an eviction notice with my name across it larger than life as the person requesting the eviction. Another pack of lies.

 

The deceit, lies and corruptions stinks from here to Huddersfield. I am not a bottomless pit and I did not buy investment properties to line everybody's pockets but my own.

 

I will deal with this TRIAD by taking each of them in turn to court I am going for the £15,000 to £50,000 compensation option agaist each of them. I have written a scathing Complaint to the Solicitors Regulatory Body who regulate Drydens Solicitors.

 

 

WS said they will not reimburse me for my costs next week. I have to drive over 300 miles, lose a days pay as I am self employed, have a night in a B and B and listen to a pack of heavily biased lies.

 

I am going to the media with this. I have already approached the Editor at the Hull Daily Mail and they are happy to go to print. A journalist friend of mine said that the National papers scan local papers for articles that could be of National Interest. I am still trying to contact the Mail on Sunday.

 

Their rudeness, arrogance and sheer bloody mindedness makes we want to throw up.

 

As a result of the verging on criminal action that this bunch of back street thigs have imposed on me my credit file is screwed. If that were not the case I would look to move Lenders.

 

 

 

jim orr- many of us have spent thousands of pounds fighting with these bullies. So far they succeed on the fact that we are not united and eventually there comes a point where each person will give up due to the heavy legal costs. I had a meeting with UKAR/ MEx 3 weeks ago where they threatened receiver action. They only put it on hold as I advised them that I had the monies to pay. During the meeting, all they were interested in was getting hold of my total assets and liabilites! I guess they just wanted to get more money from me before instructing receivers! I was advised that they would email me a deed of amendment to my mortgage terms so that I could review it with my lawyers before our next meeting. In fact they chased me the last week explaining that they really needed this information so that they could finish the draft the deeds before the meeting. Today they moved the goal post and said that they could not finish the draft but one would be avaiable for me to review during my next meeting with them! The main thing to remember is that they are not here to help. They will lie to you and coerce you into giving them information by giving hope. The goal posts consistently move everytime you give them another inch. Both my business partners were hung financially in the same ways. They ran out of funds after 2 and half years!!!!

[stevethebroker]

Jimm Orr - I guess we found ourslevs a new ally in the great battle against injustice. chillinlong managed to get an article done to raise awareness http://www.mailonsunday.co.uk/money/...rds-claim.html I have spoken to the same journalist who is having a meeting with UKAR today as we speak. Sending you PM

[chillinlong]

Jimm,

I admire your fighting spirit!

You are absolutely right to take it to them!

 

I have a feeling you can also do injunction on basis of breach of contract hence the reason why I asked if you have the information to hand on paper.

 

If you need any help please let us know, we would only be glad to help whereever.

[stevethebroker]

http://epetitions.direct.gov.uk/petitions/30563 Hello all this is an e petition that I set up yesterday. Its not just about UKAR/ N Rock/ Mortgage Express. It's about the abuse of power that secured lenders have via the use of LPA Receivers. Please sign up and support it. PLease push this e petition hard via facebook, twitter or whatever media. I am more than happy to listen to ideas and options regarding this petition.Thank you all and lets hope that I can make a small difference to all our suffering at the hnads of these bullies. Steve

[stevethebroker]

hahaha- Mortgage Express 2010 Terms and Conditions Section D, Clause 7.a reads - 'We may sell your property whether or not we have repossessed it!' 44 pages of butt ramming....... STOP THE IMMORAL USE OF LPA RECEIVERS!!! http://epetitions.direct.gov.uk/petitions/30563

[chillinlong]

I feel it Steve, it is not a fair contract at all.

 

UKAR are trying to get some positive news in the media after our article on Sunday:

http://www.dailymail.co.uk/money/news/article-2109139/Northern-Rock-B-B-bad-bank-1-1bn-profit-2011.html

[stevethebroker]

Jim Orr- how did your meeting go?

[toto123]

This injustice must not be allowed to carry on. I have just signed this petition.

[caro]

Signed.

[stevethebroker]

Thank you all...... Let's keep fighting. For everyone of us who stood tall there must have been 4 or 5 others who gave one. It's not just portfolio landlords who suffered. I know of a few prisoners who were trampled over by there giants. They just gave up and did not want their names mentioned for personal reasons.

Persistence cannot run out but resources can, so let's see just how many lawyers these lenders can throw at our persistent assaults before the government review their strategy?

 

http://epetitions.direct.gov.uk/petitions/30563

[Jim Orr]

Hi,

 

Have you details of the Court which Walker Singleton took your tenants to, the Court Reference number if possible, name of Claimants (I assume Walker Singleton), name of tenants, date of court hearing and outcome.

 

I am hell bent on stopping Walker Singleton in their tracks. Following legal advice I have written to the Attorney General complaining that Walker Singleton repeatedly take innocent tenants to court for eviction without evidence. My tenants in total have been taken to court on 7 separate occasions by WS for non payment of rent and I have been named as the Claimant against my will. I have been told this could be deemed a criminal offence and I should report Messrs Heap and Molloy to the Police Authorities.

 

I think I have finally got these people where I want them. I need as much evidence as possible. Anybody that has experienced any problems with Walker Singleton and harrassment and court hearings please please come forward. My contact mobile is [edited].

 

If the Attorney General upholds my complaint Walker Singleton will be prevented from taking any further tenants to Court without good grounds for doing so, and if they try it through the back door will be guilty of contempt of court.

 

These people have caused untold misery to tenants and landlords alike. People have lost their homes, their buy to let businesses and have made huge commitments in terms of time and money. I have fought Walker Singleton, Drydens Solicitors and Mortgage Express for nearly a year.

 

If the Attorney General upholds my complaint I have achieved what we all want to achieve and will stop Walker Singleton and their appalling

treatment of landlords and tenants alike in their tracks.

 

Don't be shy. Please come forward en masse. I am 95% of the way forward to nailing these unpleasant individuals once and for all.

I need all of your help to BANG THE FINAL NAIL IN THEIR COFFIN. MUCH DESERVED I THINK WE WILL ALL AGREE.

Edited April 4, 2012 by honeybee13
Removing personal details for your security.

[chillinlong]

Jim,

I have some information of evicting tenants via courts.

 

One where they have evicted the tenanted by shutters being put on windows and no court order!!!!! They they would not let tenants get his stuff out for over a week. Worst thing was WS were informed of the tenant living in the property.

 

Also, evicting tenants on basis of unauthorised tenants.

 

God bless Mr Adam Fox of Drydens trying every single dirty tactic there is to be done. He will make sure he does everything without you knowing till its too late or until hes completely upset the tenant to vanish in the end. There is a saying "What goes around comes around"

[aptb74]

I don't know if anyone has considered pulling together a news release and sending it to News Night, and Channel 4 news, with a suggestion that they run a public interest report/investigation. If this could be achieved it would bring everything into the light. I don't know if this has been considered or done already. If we were to start off sending it to the two most prominent News Programs, and the work our way through, other News Programs and the Broad sheet News papers, there would be a very good chance that someone would take up the story.

 

I know that landlords are not the most popular group, but we are a lot more popular than the banks, who continue to find new and ever more detestable ways of screwing ordinary people out of what they have worked long and hard to attain.

[aptb74]

Hi Jim, could you update us on your complaint to the Attorney General, or is it still early days?

[aptb74]

When Receivers have changed the locks on a property, has anyone tried changing the locks on the receiver - particularly where the appointment is dubious - i.e. where there is no current arrears?

[keates]

I have sent you a PM

[Bullhunter]

Apologies if this has come to light earlier in this thread, but MEX have a mandate to have cleared the entire mortgage within 10 years of the break up of B&B.

 

I have been told by a Mex rep, that anyone who has had any sort of arrears even if they have been cleared, has breached their T&Cs and can have LPA receivers appointed/or have their mortgage term cut to 8 years - sadly I have actually see a variation of this applied and they will not back down.

[SeniorMoments]

I am a retired mortgage broker and am appalled at the behaviour of a number of lenders who used to encourage my colleagues and me to promote their products. I have friend with a buy to let portfolio, which includes MX as a lender. So far they have been gentle with him (I would like to think that my presence at the meetings between him and his 'account manager' might have induced some caution on their part, but I am not sure). I find it interesting that MX are quoting terms from their Ts&Cs of 2010 - which did not form any part of the Mortgage Deed (Contract) my friend signed. I am not an expert in contract law, but I am confident that a contract cannot be summarily varied by one party to that contract without the concurrence of the other party. I suspect that each of you should be digging out your individual Mortgage Deeds and reading the small print. MX's reliance on the 2010 Ts&Cs suggests to me that there is something within those which is missing from the original Deeds. You should bear in mind that the presence of 'Terms' in offer documents will not form part of the Deed unless the Deed explicitly states this. It is also possible that your Conveyancer, if they did not advise you of the Lender's rights and remedies when you signed the Mortgage Deed might, themselves, be liable to a claim for redress under their Professional Indemnity Insurance. Could this be manoeuvred to set up one of the major insurance companies to take a class action against the lenders?

[patrickq1]

this was my thoughts a couple of years ago when i first came on ,the document i have see so far do not look entirely Cosha ,so much so it would take a Expert in Contracts to evaluate these peices of paper they have been producing ,so come on guys get those documents checked over

patrickq1

have not been on for almost a year ill health and other little niggly things kept me of so will go through the thread again

[chillinlong]

Hi All,

Thanks for support, the fight is still ongoing but it is seriously taking its toll now!

 

They are winning at the moment as they have unlimited funds to fight and the Judges are backing them as they are mortgages at the end of the day.

Will keep you all posted.

[tonyhuws]

message to patrickq1 can you please contact me on [email protected], I wish to discuss a matter concerning MX which I cannot at this time make public on this forum. It may help all those fighting eventually.

[Meerkat One]

Hello All

I have been away for some time and catching up on thread I am horrified things are still going MX's way. I don't know if there is anything I can help with other than to offer support but if I can I would be very happy to join in.

Meerkat One

[keates]

Are you still being affected by the appointment of LPA Receivers? We are still fighting and need your support. George Eustice is continuing his endeavours on our behalf but we need support. The actions of the banks in appointing LPA receivers and the way the receivers suck us dry, needs to be brought out into the open and this can only happen if we present a united front. The press and media in general will not give us the time of day unless we show that this is a travesty of justice and that it goes against eveything that is fair and resonable.

 

PLEASE RESPOND AND SHOW YOUR SUPPORT SO WE CAN BRING THIS MISERY TO AN END!