Lancashire mortage secured loan unregulated? ripping me off

[renewablejohn]

Can you post the original agreement on here obviously blanking out any personal details and account number. Was the original agreement signed by the lender. Have you received annual statements. Do not get upset this group of companies are fraudsters you just need to find out what the fraudulent actvity has been on your account. You are in a very fortunate position that your agreement is post Apr 2008 and therefore CCA 2006 will apply.

[renewablejohn]

So your telling me this is a copy your agreement they have sent you recently. If so we need to talk as it will help both our cases against these fraudsters. Would be very interested to read the clauses behind that front sheet you signed as if there similar to mine your agreement is likely to be turned on its head.

[renewablejohn]

This is what so annoying about this site you actually believe by not allowing conversation by PM you are actually helping people when your actually not.

 

My case is directly applicable to this case yet I would have to disclose it on open forum which I am not able to do as its subject to appeal.

 

Yet your still willing to let someone suffer at the hands of these fraudsters knowing that his loan could be unenforceable like mine.

Edited October 22, 2018 by dx100uk
quote

[renewablejohn]

Mine is a very important court case which would directly sort out the ops problem. If I was on The Farming Forum I would not have this problem as the general background can be discussed on the open forum but then any specific advice can be done using the PM system on a one to one basis for all those in the same situation. Thats why The Farming Forum has grown to be the largest farming forum in the world and is expanding

Edited October 22, 2018 by Andyorch
Edited

[renewablejohn]

What knowledgeable chappies are you referring to. They left this forum years ago your now left with individuals like myself who are not qualified only by experience of being put through the court mill paying barrister tens of thousands for the advice.

[renewablejohn]

Thank you for your reply. ATM dont know which way to turn or what to do.

 

requested a SAR few months ago and got nothing as yet.

the telephone convo I had enquiring about the new charges and me complaining about it resulted in them sending a first and final resolution letter where they knowcked of £700 or so.

 

Didnt even answer the question as to how they reached the amounts.

No break downs no nothing.. Nadda.

 

I have attached a copy of the agreement (just the front page) and another certificate they got me to sign HOWEVER this is what they supplied with their latest letter.

 

Looking for my original copy(s) too which I can post once I have found it.

Kept is somewhere so safe that now I cant find it!!!!

 

Very very interested to hear what your thoughts are when you said:

"your agreement is post Apr 2008 and therefore CCA 2006 will apply"

 

I have uploaded as requested.

 

Do you have the terms and conditions on the back of the loan agreement. If you could upload I could advise if the same as mine and if so your contract should be unenforceable.

[renewablejohn]

rippedoffbyblemain

 

Could you please send a copy of your unsigned agreement to Bill Sillett at the Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London, E14 5HS. He is aware of my case and is collecting information on other similar cases but obviously without a name and address there is not much he can do for you.

[renewablejohn]

Just a quick update on mine. I still cannot say a lot as it is still going to Appeal if the courts will allow it. What has been established is despite a sworn statement in my case that my agreement was the only unsigned agreement by the Lender that a certain Director of LMC new about we now know it is quite common. We also know that failure to sign the agreement could make the agreement unenforceable but the better option would be to make the agreement a regulated agreement as obviously if it is unsigned at April 2018 and signed subsequently then CCA 2006 will apply.