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    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
    • At a key lecture in the City of London, the shadow chancellor will also vow to reform the Treasury.View the full article
    • Despite controversy China's Temu is becoming a global online shopping force.View the full article
    • The retailer has come under fire for an advert showing motorcyclists wearing trainers and doing wheelies.View the full article
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lending Stream Default Date


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LS have defaulted me 0n 02/03/13 and they are refusing to change it

 

I SAR'd LS and in the partial reply I got from them was the termination notice which states the date of 18/10/12

 

They have refused to alter the date so I have raised it with the FOS and ICO

 

But for info here is what they sent me -

 

We are writing in reference to your recent correspondence.

 

We have reviewed your account and would like to share our findings. You borrowed one loan from Lending Stream; the ownership of which has been transferred to Motor Mile Finance Ltd, due to prolonged missed payments (can be contacted directly at 0113 887 6876).

 

We understand that you are concerned about the default reported on your credit file. As the lending industry and the regulatory bodies rely on accurate reporting to the credit bureaus in order to ensure that correct lending decisions are being made, therefore, we do not remove the default mark when it has been reported genuinely.

 

Our records indicates that we did not receive the payments on scheduled dates. We emailed you several notices (Notice of Arrears, default and termination) to the registered email Id and a Notice of Default was also mailed to your registered residential address. Please be advised that we report the default mark on customer's credit file after 180+ day when he/she misses his/her first payment (which in your case is 2nd March 2013 and Notice of Termination (NOT) is send to the customer on the 84th day of account going into arrears (which in your case is 18th October 2012). Hence, the both cannot be on the same date.

 

Our constant message to customers whose circumstances change, or who experience hardship, is to speak to us and we will work something out together. Upon reviewing your accounts, we found that we were never informed about your financial adversity. Had we been informed, we would have helped you clear the debt in affordable and timely repayments.

 

Having said the above, we would like to inform you that the Default has been reported genuinely and we would be unable to comply to your request of Default removal.

 

We appreciate your understanding towards this matter.

 

For further queries, please email us at [email protected] or call on 0203 365 0138 (Monday to Friday between 7 am to 10 pm). Call charges apply.

 

Regards,

Lending Stream Complaints Department

 

So they seem to think that they can default me 5 months after a loan was terminated, this should be an easy win at the FOS :wink:

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