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    • Okay yes that's invalid...Vanquis never quite understood the difference between a DN and Notice of Default.
    • 8 COVID hotspots as UK urges boosters for all adults to battle Omicron Jimmy Nsubuga Mon, 29 November 2021, 5:21 pm Health secretary Sajid Javid insisted the booster programme is the main form of defence from the variant. (Getty) Some eight local authorities in the UK are currently recording a weekly rate of new COVID cases higher than 750 infections per 100,000 people. It comes as the UK battles to keep the Omicron variant under control, with the government announcing on Monday that all people aged 18 and over will be offered a COVID-19 booster vaccine. Across the UK as a whole, a further 42,583 cases of coronavirus were reported in the most recent 24 hours. Another 35 people were confirmed to have died, which now puts the official COVID death toll at 144,810. Many of the worst-hit areas for infections are in the South West, with the highest current rate in Torridge, Devon, with a seven-day rolling case rate of 1,081.2 new cases per 100,000 people. The UK’s seven-day rolling rate of infections is up 3.7% compared to this time last week. These are the UK's eight COVID hotspots, and their weekly COVID case rates Torridge: 1,081.2 cases per 100,000 people North Devon: 895.4 cases per 100,000 people Mid Sussex: 889.3 cases per 100,000 people Gwynedd: 858 cases per 100,000 people Elmbridge: 848.3 cases per 100,000 people Guildford: 820.1 cases per 100,000 people Wycombe: 782.1 cases per 100,000 people Tandridge: 762.4 cases per 100,000 people The map below show's the UK's rate of new COVID cases by local authority area. The higher the case rate, the darker the colour. Map showing COVID hotspots in the UK Speaking in parliament on Monday, health secretary Sajid Javid failed to rule out any future lockdown when urged to do so by Tory MP Richard Drax. Instead he insisted that "putting the booster programme on steroids” is the country's main form of defence. Deputy chief medical officer Professor Jonathan Van-Tam said the booster campaign was “as urgent as it could possibly be” – but added people should not panic over the new variant. Read more: WHO names Omicron variant identified in South Africa New coronavirus variant is 'not doomsday', leading UK scientist says Urgent hunt for COVID cases linked to KFC restaurant and school in Essex He told a Downing Street press conference: “I want to be clear this is not all doom and gloom at this stage and I do not want people to panic at this stage. “If vaccine effectiveness is reduced, as seems pretty likely to some extent. “The biggest effects are likely to be in preventing infections and hopefully there will be smaller effects on preventing severe disease." However, it could be three more weeks before further details emerge from scientists on how transmissible the variant is, whether it evades vaccine protection, and whether it causes more severe disease. All people aged 18 and over will be offered a COVID-19 booster. (Getty) The UK Health Security Agency (UKHSA) identified two further cases of the Omicron variant in England on Monday, bringing the total to five. The individuals who tested positive are not connected and are not linked to the previously confirmed cases. One case is located in Camden, London, and the other case is located in Wandsworth, London. Both have travel links to southern Africa. The Joint Committee on Vaccination and Immunisation (JCVI) also advised that young people aged 12 to 15 should be offered a second dose of the Pfizer/BioNTech COVID-19 vaccine, no sooner than 12 weeks after their first dose. Further advice said that severely immunosuppressed people should be offered a booster dose no sooner than three months after completing their primary course of three doses. The JCVI said that both the Moderna and Pfizer/BioNTech vaccines can be given as a booster for adults – with equal preference given to both. Watch: Booster programme 'has never been more vital', says Van-Tam   0:05   2:10     Booster programme 'has never been more vital', says Van-Tam
    • Yes you now have to submit an N244 and request an order from the court to adjust the judgment amount. Pursuant to CPR PD40B 4.1 & 2   https://www.consumeractiongroup.co.uk/topic/347306-legal-n244-application-notice/#comment-5057981     4.2 The application notice (which may be an informal document such as a letter) should describe the error and set out the correction required. An application may be dealt with without a hearing:   If they will accept an informal letter then there shouldn't be any fee involved....but you will have to check.        
    • Negative - Hate immigrants/foreigners - which continues unabated with Patel being the front monster  ...      But all is not well in your (EU)topia What happens when the posturing Napoleon , who is currently threatening all and sundry in a vain attempt to appear hard right, is,as seems likely, deposed. by Monsieur Eric who makes Pritti look like a soft lefty  Does this lead to France being made to sit on the EU naughty step to be endlessly bullied like Poland and Hungary?
    • i suspect the notice of default that came with the dn, the usual cover letter vanquis send out its say payment due is £200 . the dn says arrears £200 but also only that the card is only £144.88 overthe credit limit   here   default notice.pdf
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Repossession questioned by deeds not being signed


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Hi Apple IS IT ME hope your both well been a bit busy over the weekend just kept an eye on things not posted up.

 

Hi Alisono mine should be with yours then would like a copy if that's ok..I cannot pm anyone again do not know why this is maybe the site team can deal with that issue or are we back to square one trying to force everything on to the thread again?

 

pj.

e-petition is live please sign it.. unlawful repossessions..!!!

http://epetitions.direct.gov.uk/petitions/56915

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For your information there is a glitch with the PM system which we hope to have fixed tomorrow (Monday)

 

ok i believe you i really do but its funny i could pm xyh20 who is viewing the thread but not any of my fellow members?any way not to make a song and dance about it onwards and upwards .....i will look for the ref number Alisono thanks :wink:

 

pj.

e-petition is live please sign it.. unlawful repossessions..!!!

http://epetitions.direct.gov.uk/petitions/56915

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IS IT ME are you saying now that this thread only concerns securitised mortgages and no one else has anything to worry about in relation to the points apple has been making I thought it applied to all mortgages securitised or not ,if so that shines a whole new light on the subject matter and in my view needs clarifying in quick time [ apple]

kegi

 

Hi Kegi

 

It is a fact that one of the main criteria of entry to the securities markets – is that a lender (originator) .... must ‘own’ legal title.......another essential element is that the deed must be/remain in ‘escrow’.

 

(‘escrow’ to you and me, in practice; means – ‘un-execucted’ by the Lender and signed only by the Borrower)

 

There is no doubt - A ‘mortgage’ is a complete disposition of the Borrowers legal estate and charge....a ‘mortgage’ facilitates the means by which a lender secures ‘ownership’ of the borrowers legal estate – regardless as to whether the land is ‘un-registered’ or ‘registered’.

 

We now know....if the borrowers estate was registered.....the ‘mortgage’ of it - is un-lawful; on the ground that - the borrower has no ‘power’ to grant a ‘mortgage’ of his registered estate.

 

( a ‘charge by way of legal mortgage’ is the same as a ‘mortgage by demise or sub-demise and a legal sub- mortgage is a ‘charge by way of legal mortgage...all of which are not permitted within the general law in regard to a registered estate)

 

(‘Full Title Guarantee’ – this is the disposition of the ‘title’ in whole – see: section 10 Trustee Delegation Act....and LPMPA 1994)

 

We now know.....a deed that is signed by the Borrower only – is a deed in ‘escrow’ and stands to facilitate the complete disposition of the borrowers registered estate/charge.....all rights legal and equitable to the borrowers ‘title’ to the favour of the lender.

 

The Borrower and his money acts to facilitate the Mortgage Backed Securities (MBS)– the Borrower and his money is the ‘conduit’.....to facilitate the investors of the MBS scheme....

 

The FCA is the new Listing Authority. I believe there is a conflict of interest - this department like the FSA before it.....authorise the listing of MBS.....authorise and ‘approve’ the representation of companies to act on behalf of the ‘principal’ lender (originator)...These ‘AR’s’ - target and make every borrowers life a misery.....

 

such is the need to service the MBS.... that they do not care that a borrower is made homeless... all that appears to be important when an MBS is in the background - is that the borrowers estate is sold on and another borrower take that borrowers place to service the MBS.....

 

So, in answer to the question......Does this thread only apply to lenders who securitise?

 

NO.....the detail in this thread will not only assist those who can evidence that the 'mortgage' has been securitised by their lender - it will ALSO apply to all and every lender who ‘mortgages’ registered land...and to any and every lender who has not executed the deed.....

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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God evening all. I have posted the petition on face book and linked in not real a twitter person but a friend has over2,000 followers so will ask them tomorrow . I have forwarded to Channel 4 and BBC so will let you know if I get a response.

 

:-) onwards And upwards on this

 

Brilliant...Thanks Alisono.......might be an idea for all those with a facebook account to do the same ; )

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Hi Apple IS IT ME hope your both well been a bit busy over the weekend just kept an eye on things not posted up.

 

Hi Alisono mine should be with yours then would like a copy if that's ok..I cannot pm anyone again do not know why this is maybe the site team can deal with that issue or are we back to square one trying to force everything on to the thread again?

 

pj.

 

The SPML MSA is here on this thread.....can't think which page now...but it is definitely here...... ; )

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Hi Apple got that one... ; )

 

 

pj

 

Brilliant.... : )

 

At the back in the 'appendix'.....there should be a list of every single 'mortgage' account number (if memory serves me well) - just look through them .... and I can almost guarantee; yours will be there.....

 

When you find it......you can be 1000% sure your loan account - pooled has been sold....

 

It might be worth having a look at the fca register.......to check out who is 'preferred's' appointed representative.....or if 'acenden' are collecting your money...might be worth checking to see who the say their 'principal' is......it should show 'preferred'.....but...let's discuss?

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Does your lender have FCA authority to hold client money?

 

http://www.fca.org.uk/firms/systems-reporting/register/use/firm-status

 

This is what the FCA say:...

 

"Further information

 

You might also find that a firm is described as being 'unable to hold client money', which means it is not allowed to have cheques or money paid to it when it sells a particular product. In this case you would make your cheque or bankers draft payable to the firm providing the product, even though you give it to the firm providing advice or arranging the sale."

 

Just thought i'd share this 'titbit' of information with you all....get you thinking....

 

If you find on the FCA register that this 'limitation' is attached to the 'regulated activities' registered for your lender....or...given the recent 'interim permissions' going on....the 'administrator of the loan'...or check through the 'approved representatives' of your lenders choice............then it makes sense to beg the question........WHO IS TAKING/GETTING MY MONEY...off the back of an un-executed deed....which relates to an unlawful mortgage of my registered estate?????

 

....And....do they have FCA 'permission' to do so???????

 

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Brilliant.... : )

 

At the back in the 'appendix'.....there should be a list of every single 'mortgage' account number (if memory serves me well) - just look through them .... and I can almost guarantee; yours will be there.....

 

 

 

 

When you find it......you can be 1000% sure your loan account - pooled has been sold....

 

It might be worth having a look at the fca register.......to check out who is 'preferred's' appointed representative.....or if 'acenden' are collecting your money...might be worth checking to see who the say their 'principal' is......it should show 'preferred'.....but...let's discuss?

 

Apple

 

Hi Apple think i checked this before Acenden have no authority to hold client money ...

 

pj

e-petition is live please sign it.. unlawful repossessions..!!!

http://epetitions.direct.gov.uk/petitions/56915

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Kegi

Whos yours with?

 

IS IT ME Mine is a 1984 abbey mortgage orig paper deeds and me and the wife are down as owners absolute and abbey are in the charges section only .the charge itself says we the borrower charge the property by way of legal mortgage with the sum of all monies owed to the lender, me and wife have signed plus a witness and says signed under seal and that's all

My daughters have both a Halifax 1988,2001 which show them both as owner absolute and Halifax in the charges register only

but neither it appears have been sent from [sol] a copy of the charge deed so cannot comment on that

kegi

ps so according to what apple sent me in response to my previous post none of these were/are encumbered

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Hi Apple think i checked this before Acenden have no authority to hold client money ...

 

pj

 

ah ah......Did you check out their 'permissions'?

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Preferred have a registered name on there but trading as yellow brick road direct mortgages ?

 

'Yellow Brick Road Mortgages'...... is that a 'genuine' company name....lol??

 

Who are their 'tied agents' etc??......does it say 'Acenden'?

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Kegi

Whos yours with?

 

IS IT ME Mine is a 1984 abbey mortgage orig paper deeds and me and the wife are down as owners absolute and abbey are in the charges section only .the charge itself says we the borrower charge the property by way of legal mortgage with the sum of all monies owed to the lender, me and wife have signed plus a witness and says signed under seal and that's all

My daughters have both a Halifax 1988,2001 which show them both as owner absolute and Halifax in the charges register only

but neither it appears have been sent from [sol] a copy of the charge deed so cannot comment on that

kegi

ps so according to what apple sent me in response to my previous post none of these were/are encumbered

 

Was the property you took a loan for with the Abbey a 'New Build'?

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Was the property you took a loan for with the Abbey a 'New Build'?

 

Apple

 

Hi Kegi...

 

I asked you the question above, purely because I am conscious that it is within the general law to 'mortgage' a new build...to 'charge the property by way of legal mortgage'

 

When Abbey (now Santander) get 'mortgages'......they pool them and sell them on....much the same like a number of the Lenders we are coming across on this thread...

 

Here is the Link to ALL the documentation that you may find of interest...includes the Mortgage Sale Agreements and everything else...

 

http://www.aboutsantander.co.uk/investors/debt-investors/holmes-master-trust/holmes-master-trust-documentation.aspx

 

Your daughters, will need to acquire their 'deeds'...costs £11 for a copy......from HMLR....

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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No apple ex council

kegi

 

Hi Kegi......as an ex-council house....it would seem to me that it would have been registered for the 'first time' with HMLR when you applied for the 'right to buy'......this would be the 'trigger' - your lender was ok in applying a 'mortgage' .....

 

However, It sounds as though you have never looked to change the Abbey (Santander) for another lender...is this true?....are you still with the Abbey (Santander)?

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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