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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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Acenden capstone spml pml lmc sppl


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Jasper I can give it to you in one sentence.The administrative contract with the spv to whom your loan was sold specifically forbids loan modification and I think payment date modification.Its as simple as that and states so in the prospectus,you have an arguable case that you never agreed to this agreement but its a difficult one involving contract law and mcob regulations etc.The fee however is excessive and unnecessary if they just told you the truth instead of skirting around it,a court could actually order them to change the payment date..

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Jaspar, ask them for the invoices and the breakdown of their costs. Get in touch with the solicitors and get a table of their costs on what they charge. I've had some, but not all legal charges dropped, when they failed to provide any proof of how the costs came about or why.

 

 

Slgsue. Well you have 3 choices..you either accept it, take it further or go down the court route. I'd stick with it and keep gathering as much as you can for the Ombudsman as AFAIK they will only add and not take away from any previous decision made by an adjudicator. I had a partial decision on the refunds that addressed just a few points from an adjudicator but it took the Ombusman that looked at the whole situation to make the full refund and final decision.

 

It's an uphill struggle for sure but you just have to keep at it.

 

There is software available for free to check that your statements are correct but be warned that it takes ages to fill in and you must have all your statements available and remember to keep adjusting the interest rate.

 

I'm still in the muddle of pursuing miss-selling and if you think the Fos is time consuming, dragging on and right royal pain then you should jump on this side. So far so good but the amount of work, time and money makes me wonder if it's worth it. I can't say much but I have got one over on someone and they are not too happy on being on the receiving end.

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There is software available for free to check that your statements are correct but be warned that it takes ages to fill in and you must have all your statements available and remember to keep adjusting the interest rate.

 

What and where is this? I'd like to try it.

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Hi Guys I dont know if I am supposed to copy stuff from other sites but this is from money saving expert from last year jan 2010. How can the FSA and the FSO say one thing last year and now say something completely different just because of bank charges I dont get it, maybe I am a bit thick but I know what I have read in the past 5 years since I have been battling with SPPL and this stuff about charges not being unfair etc seems a step backward somehow, how can the regulators say one thing then completely contradict themselves a few months down the line, it makes them look pretty stupid if that is the case. The following is the article I copied .

Reclaim unfair mortgage arrears fees, FSA says

 

 

Guy Anker

News Editor

26 January 2010

 

 

 

 

Reclaim_cash.jpg

Homeowners hit with excessive mortgage arrears charges should demand their cash back, says the city regulator, the Financial Services Authority (FSA).

It today launched a crackdown on unfair fees that hammer those already behind on payments (see the Mortgage Arrears and Redundancy guides).

It has also told MoneySavingExpert.com that consumers should not stand for shoddy treatment and should reclaim their cash, regardless of when the fees, which can sometimes run into thousands of pounds, were levied.

Almost 200,000 borrowers were significantly behind on payments at the last count, according to the Council of Mortgage Lenders, who could all be hit by high fees.

Below is a quick Q&A reclaiming guide. We will soon issue a full step-by-step guide so get the free weekly email for updates.

What's happened today?

The FSA announced proposals (which won't be implemented until June) designed to better protect borrowers in arrears from excessive and unfair charges.

When MoneySavingExpert.com asked the regulator whether those unfairly treated should reclaim excessive fees, a spokeswoman said: "We want consumers to take a handle on the situation so if they think they have not been dealt with fairly they should definitely complain."

The Financial Ombudsman Service, which independently arbitrates on complaints between consumers and lenders, also echoed that sentiment when asked.

The FSA's proposals demand that firms stop hammering those in hardship; for example, by issuing charges when a payment plan has already been agreed or by allocating payments payments to clear an arrears charge rather than clearing the balance.

They also state repossession should always be the last resort and that lenders must record all arrears handling calls and keep records for three years.

What is an unfair fee?

It is about the size of the fee and how it's charged:

  • Excessive fees. One of the clearest examples, the FSA says, is where the charge is higher than the administrative cost to the lender. If it costs £10 to send a letter but the charge is £35, that's £25 too much.
     
    Lenders often charge around £35 per missed payment, £100 for a debt collector visit and thousands in legal and estate agent fees if your property is repossessed (see the Huge mortgage fees MSE News story).
  • Unfair charging. The FSA has found numerous examples of firms sneakily finding ways to incorporate charges when they shouldn't. For example, when struggling borrowers are already on a repayment plan.
     
    Also, lenders charging non-direct debit payment fees (to pay for payment processing) when no payment was made, or including arrears charges in the total mortgage balance when calculating an early repayment charge (ERC), which is usually a percentage of that balance.

Financial services secretary to the Treasury Paul Myners described some lenders' high arrears fees as "extraordinary" during a July Treasury Committee hearing.

How far back can you go?

The Ombudsman says you can reclaim fees from as far back as you like, as long as you make the complaint within three years of realising you could.

As the FSA has only got tough over the past few months, most people will still be within that three-year time-frame.

If unsure of past charges, you can make a request to get a list of fees charged from your lender over the past six years under the Data Protection Act. This will cost up to £10.

How do you reclaim?

First complain to your lender setting out why the charges are unfair and ask for your money back. If you are turned away or do not get a satisfactory response within eight weeks, then complain to the free Ombudsman service (see the Ombudsman guide).

To highlight this is possible, the FSA ordered GMAC-RFC, which was the tenth largest mortgage provider before the credit crunch, to pay compensation to up to 114,000 borrowers hit with unfair arrears fees last October (see the GMAC mass refunds MSE News story). It also issued a whopping £2.8 million fine.

The FSA is also taking action against a number of other firms, but has not concluded investigations yet.

Martin Lewis, MoneySavingExpert.com creator, says: "While the FSA has not named a price deemed excessive its statement echoes the bank charges campaign.

"If you pushed me on a figure, the Office of Fair Trading says it won't challenge credit card penalty charges under £12, so that is a good benchmark.

"As there's no cost, and most people in arrears are in financial hardship, and therefore should be treated with sympathy, I would urge anyone who feels unfairly treated to complain."

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The FSA should maybe read this article to refresh their memories a little!

The FSA announced proposals (which won't be implemented until June) designed to better protect borrowers in arrears from excessive and unfair charges.

When MoneySavingExpert.com asked the regulator whether those unfairly treated should reclaim excessive fees, a spokeswoman said: "We want consumers to take a handle on the situation so if they think they have not been dealt with fairly they should definitely complain."

The Financial Ombudsmanlink3.gif Service, which independently arbitrates on complaints between consumers and lenders, also echoed that sentiment when asked.

The FSA's proposals demand that firms stop hammering those in hardship; for example, by issuing charges when a payment plan has already been agreed or by allocating payments payments to clear an arrears charge rather than clearing the balance.

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Excellent posts cher so the FOS it appears currently refuses to implement what the FSA recommends unless the FSA has fined the lender,is this some sort of farce being played out to placate the treasury select committee etc at the massive cost to the homeowner and huge profits to the Lender/administrators.

Anyone got the actual FSA announcement from June 2010 when this was all supposed to be implemented?

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Excellent posts cher so the FOS it appears currently refuses to implement what the FSA recommends unless the FSA has fined the lender,is this some sort of farce being played out to placate the treasury select committee etc at the massive cost to the homeowner and huge profits to the Lender/administrators.

Anyone got the actual FSA announcement from June 2010 when this was all supposed to be implemented?

 

Here you go peter

 

http://www.fsa.gov.uk/pages/Library/Policy/Policy/2010/10_09.shtml

 

http://www.fsa.gov.uk/pubs/policy/ps10_09.pdf

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Thanks for that,think we've been here before the last time the FOS was debated but this is the the applicable rule.So maybe the sensible thing would to be to quote this Rule to the FOS ,state that gmac were fined for levying a fee of £45 which the FSA deemed to be excessive and ask that in the light of this that you would like a breakdown and justification of Acenden's charges because you believe they are in breech of this Rule which it is in the FOS's remit to implement and decide on the basis of Acenden's justification whether it is fair or unfair based on the market rate of similar third party administrators in comparison to those such as HML and if the FOS cannot implement the FSA rules who then can?. As a footnote HML were/are the administrators for Kensington.

 

12.4.1 R (1) A firm must ensure that any regulated mortgage contract that it enters into does not impose, and cannot be used to impose, a charge for arrears on a customer except where that charge is a reasonable estimate of the cost of the additional administration required as a result of the customer being in arrears.

Edited by peterjm
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There you have it Peterjm.

 

By the way, just so that people are aware, while the FOS can evaluate and direct a firm's compliance with rule 12.4.1 R (1) or not, the individual is still not bound by the FOS' decision on this, if they're not happy with the outcome or the process by which it was reached. They can still go to Court and compel the lender to justify their charges if they so wish.

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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Bring it on! The company I am pursuing have named someone that has taken up their services. A high-profile football coach for a well known team in their words. Would they require such a mortgage and put their name to it? Except he isn't a coach and is a nobody for under 16's that isn't aware his name is being used by the company and has no connection.

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Thanks for that dotty have managed to transfer the passage here.

Securitisation

6

In considering what action to take to address this market failure, the Government has borne in mind mortgage originators’ need to securitise mortgages. Securitisation plays an important role in mortgage funding. At present there is around £400 billion in outstanding UK residential mortgage securitisations.

Securitisation involves the transfer and legal sale of mortgages to a special purpose vehicle (SPV). The SPV sells claims on the interest and repayments generated by the pool of loans to investors. The SPV is a legal shell which owns the mortgages and manages the payments to investors, but the mortgages may be managed either by the originator or the originator may appoint a TPA.

Policy options

The Government is concerned that borrowers may be treated unfairly because their mortgage has been sold on to an unregulated firm as part of a mortgage book sale, a decision over which they had no choice or control. The Government has considered four policy options: Option 1 - maintain the existing framework; Option 2 - to create a new regulated activity of 'purchasing' a regulated mortgage contract; Option 3 - to create a new regulated activity of 'managing' a regulated mortgage contract; and Option 4 - to expand the definition of the regulated activity of 'administering' a regulated mortgage contract.

Option 1 would leave mortgage holders vulnerable to the market failure set out above.

Option 2 would only provide the mortgage holder with protection at the point of sale of their mortgage, not on an ongoing basis. It would also require the SPV in a mortgage securitisation to be FSA regulated, which would have the undesirable outcome of adversely affecting the utility of securitisation for lenders.

Option 3, if drafted on a broad basis, would also require SPVs to be FSA regulated. Even if the SPV were to delegate all its decision-making powers to a TPA, it would have legal residual rights over the mortgages. These rights would be captured by a broad definition of ‘managing’. HM Treasury consulted on this proposal in December 2009, estimating the costs to firms for this approach as £0-£10 million one-off and £0-£3.5 million in annual costs.

A narrower definition of managing would avoid this problem. However this would have no advantage over expanding the definition of ‘administering’ – option 4 – but would require more complicated legal drafting.

Following consultation with industry, the Government has decided to proceed with option 4. It will bring forward legislation extending the existing definition of ‘administering’ a regulated mortgage contract. This will extend the regulation of firms to all those who exercise specified rights such as changing interest rates or taking action to repossess the property against the borrower.

 

NOTE WORDS: TRANSFER AND LEGAL SALE OF MORTGAGES,SO HOW IS IT THE SPV IS NOT BRINGING THE CLAIM AGAINST THE BORROWER IN DIFFICULTY YET REAPING THE REWARDS SIMPLY BECAUSE THEY HIDE BEHIND THE NON NOTIFICATION OF THE SALE TO THE BORROWER AND AVOID REGULATION OF WHAT IS SUPPOSED TO BE A REGULATED MORTGAGE CONTRACT SUBJECT TO MCOB FSA RULES.

WOULD BORROWERS HAVE SIGNED UP FOR THESE AGREEMENTS IF IN THE FIRST PLACE THEY REALISED THE UNPARALLED ABUSE THEY WOULD SUFFER FOR GETTING BEHIND AND THE FACT THAT IN REALITY THEY HAD NO REGULATED PROTECTION WHATSOEVER AS HAS BEEN PROVED TIME OVER BY EVENTS AND THE CONTINUAL FLOURISHING AND ABUSES OF ACENDEN?

Edited by peterjm
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I've had a response from the FOS and it's the same as before, i.e. charges are fair under the circumstances and the bank has provided a breakdown.

 

However, this time they say the contract has also been assessed for PIL and as it is clear I understand why the charges are incurred, there is no doubt that it is in PIL. Thus Reg 6 of UTCCR precludes any assessment under Reg 5 and the 'service' by the bank is the admin of the account whilst in arrears.

 

I don't believe the contract has been properly assessed for PIL but only that I know why the charges are incurred. But what I said was I don't know why they are so high, why the litigation referral fees are so high and why the bank applies monitoring fees while the account is at the solicitors, incurring me double fees.

 

Again they say the FSA fines against other lenders are not relevant.

 

This is totally the opposite of what others get from the FOS.

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I can't find (in search) any of my threads from October 2010 onwards.

 

And i can't find (in search) any of my posts after 2007.

 

Though the threads and posts are still on here. I can get to them from my emails.

Edited by tifo
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has anyone received a telephone call off these muppets today????????????

 

Mid - morning today o/h answered a call from acenden, asking if everythhing was ok! And to inform us that interet rate has slightly risen, and a letter would be on its way to clarify this... and all we need to do is pay, on the 15th (as we normally do) to ensure that it is cleared by the 19th (made this arrangement with them in Jan, without any fuss on their part, job change on my part,) i cant help but get the impression that everytime we have to speak with them, that they seem to fall over themselves to go out of their way to be helpful!!! which on its own merits is very un -settling, i just wish i knew what we seem to have over them...i cant quite put my finger on it....i wont let them intimidate me, i run rings around them everytime i reluctantly have to speak over the phone....i mean they even had the audacity to quote being seen to be responsible lenders, when i rang to clear 5.5k of their fabricated arrears in december....i mean, pleeeease.

i will be ringing them on monday to find out what the problem is, as we all know acenden just dont do Customer service, and especially not on saturday mornings!!!!....so what is the hidden agenda acenden??? is the fsa finally closing their net in on you? or will you be fabricating a charge to start the arrears rollercoaster again?????

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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It sounds like its simply a front to appease the FSA and probably recorded or videod! you must be one of the few who got your payment date changed without an almighty struggle,whats your secret.!?

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hello

first timer here and ive been reading with interest

everyone here says that arrears charges should be added to the mortgage balance rather than the arrears .. im with acenden and in the terms and conditions it says they

can , so if it says that in the terms of the contract i signed how can i solve this issue , almost 7 thousand pounds charges in 5 years .

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Does it actually say the charges can be added to the arrears and not added to the account ?

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