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    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
    • Just as i thought (from above post) : i just hope this is not the normal customer service that say they cant do anything and that you have to appeal to excel parking 🙄 this is the response my friend has received today - totally ignoring the subject which was: 'victim of disability discrimination on the part of your agents' does anyone have any ideas to reply with please?     Thank you for your response.   I would like to apologise for the error in the previous email; our CEO, Tarsem Dhaliwal had received your email and tasked ourselves in the Executive Resolution Team with looking into this.   We have raised this with our internal property department who have more information on parking charges and any appeals, we can see that you had appealed the PCN with excel which was rejected, you then appealed the PCN with IAS which was also rejected.   Because of this, we would not be able to cancel or refund the charge.    I understand this may not be the outcome you had hoped for, I am sorry for any inconvenience caused.   Kind regards, Cissy
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SPML/LMC anyone claimed for mis selling and unfair charges?


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Funny they can only manage to send, one copy of libor rate change letters addressed to us both when they want their money!!!

I think i will send another letter requesting my OH's dsar, and then hit them with a demand that we want a copy of each letter they send in duplicate!!!!

 

b-o-2

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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Do it! They'll soon get bored with having to deal with this rubbish. Bring them to the table by hook or crook. Crook in the main though.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Pt2537,

 

Thanks.

 

So it there an easier way of asking for the data relating to just the account as a joint affair, each being several and liable? And do they have the descretion to just forward the copies to the first named or is it a lottery?

 

I'm a reasonable person (too reasonable) and would have accepted a return of the cheque or an explaination why both parties SAR could not be provided for the fee enclosed. But being lied to is another issue and it's a poor attempt to cover their tracks.

 

EIE,

Under their rights they only have to send one copy of everything to the address given and as long as one party is notified it doesn't make a difference if the other receives nothing or it's hidden from them. I tried that route and it had no legal standing, as told by a solicitor.

 

It's worked out to our advantage that individual copies have been sent. As pt2537 said, it's given us a chance to cross reference 2 SARs' that should be the same but aren't. Mine has been hastily done and they have missed a lot that should have fell foul to the dreaded black pen.

 

It's not complete. I've been in touch with the Head Honcho for the past 2 years but not one of their letters is in the SAR and they can't expect me to believe that they don't keep copies that are readily available or they are exempt from the DPA. They haven't provided the libor rate change statements either and the eviction notice they issued 'accidently' is missing. And that's just for starters..

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As far as I'm aware once they issued proceedings, or were even threatening to, there are no exemptions:

 

 

DPA, Pt IV, 35:

 

35 Disclosures required by law or made in connection with legal proceedings etc [/i][/b]

 

(1) Personal data are exempt from the non-disclosure provisions where the disclosure is required by or under any enactment, by any rule of law or by the order of a court.

 

(2) Personal data are exempt from the non-disclosure provisions where the disclosure is necessary—

 

(a) for the purpose of, or in connection with, any legal proceedings (including prospective legal proceedings), or

 

(b) for the purpose of obtaining legal advice, or is otherwise necessary for the purposes of establishing, exercising or defending legal rights.

 

That's my reading of the Act anyway.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Mine has been hastily done and they have missed a lot that should have fell foul to the dreaded black pen.

 

Oh dear...They aren't going to be too happy with that.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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hi Dotty

 

I can help with this one SPPL and I think preferred are now closed. This was the info I got from suetonius. However I have been unable to elicit a reply as to what this means. Will copy and paste the relevant posts later.

 

Keep the faith. EIE.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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hi Dotty

 

I can help with this one SPPL and I think preferred are now closed. This was the info I got from suetonius. However I have been unable to elicit a reply as to what this means. Will copy and paste the relevant posts later.

 

Keep the faith. EIE.

 

*Disclaimer

 

Please note the following articles have not been written by Suetonious, so he is unable to explain what the original authors mean. :wink:

 

If anyone is looking to elicit a reply to the meaning of anything written by a 3rd party, Suetonious highly recommends that you ask the 3rd party what they mean, rather than Suetonious.:wink:

 

Lehman Brothers confirms another 200 UK job cuts - 20 February 2008

 

"Lehman Brothers has confirmed that it will be cutting a further 200 jobs across its UK mortgage capital business, affecting lenders SPML and Preferred.

 

A spokeswoman for the bank would not comment further on the future of the two brands but says that it is continuing to offer mortgages under its brands.

 

She says that Lehman Brother's UK mortgage capital business had 1000 UK employees before the recent downturn but the bank has already made 177 job cuts in November last year.

 

Last year also saw it close both SPPL and London Mortgage Company."

 

 

Mortgage Solutions - Lehman's drops SPPL and LMC

 

"Lehman's drops SPPL and LMC

 

Lehman Brothers has confirmed it is to drop its Southern Pacific Personal Loans (SPPL) and London Mortgage Company (LMC) brands as part of a global restructuring of its residential mortgage lending.

 

Jennifer Weller, head of communications at Lehman Brothers Capital Division Europe, said as part of the global changes, the company would be rescaling its operations in both the UK and the US, and closing its Korean operation.

 

While it will still continue to offer first charge mortgages through Southern Pacific Mortgages Limited and Preferred, both the SPPL and LMC brands are to be dropped. The company is withdrawing entirely from second charge mortgages in the UK for the time being, although it will continue to offer the services currently available from LMC through the remaining two brands."

 

 

 

 

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LMC is now London Personal Loans because that's the company on my court eviction notice, but the solicitor at the CAB dosn't see anything wrong with that.

Had contact with him but he can't represent me in court, he thinks the DJ will accept that the details on the Land Registry is legal and that SPML is the registered owner of the mortgage. He cannot see why it would make any difference to the claim that my mortgage is with SPML/LMC and the claimant is now SPML/LPL.

He dosen't understand the info I sent him on securitisation and could not rely on the information in court because its out of his sphere of the law, I need a contract lawyer. He think that SMPL/LPL can evict me even though my mortgage is with LMC because they are all trading names of SPML.

I suggested challenging the eviction under Unfair Relationship legislation but he was more concerned with the arrears on my mortgage and how I will repay the debt.

The Consumer Credit Act 1974 - Unfair Relationships

 

See Unfair relationships - Enforcement action under Part 8 of the Enterprise Act 2002 .

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hi SuperSleuth

 

Just wondered if you could let me know again how we go about finding out who owns our mortgage and where we can find out this information.

 

Thanks we are with Capstone but Preferred and SPML are all in there somewhere as we have letter from all of them. Hope to hear from you.

 

Lola and Cecil

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LMC is now London Personal Loans because that's the company on my court eviction notice, but the solicitor at the CAB dosn't see anything wrong with that.

Had contact with him but he can't represent me in court, he thinks the DJ will accept that the details on the Land Registry is legal and that SPML is the registered owner of the mortgage. He cannot see why it would make any difference to the claim that my mortgage is with SPML/LMC and the claimant is now SPML/LPL.

He dosen't understand the info I sent him on securitisation and could not rely on the information in court because its out of his sphere of the law, I need a contract lawyer. He think that SMPL/LPL can evict me even though my mortgage is with LMC because they are all trading names of SPML.

I suggested challenging the eviction under Unfair Relationship legislation but he was more concerned with the arrears on my mortgage and how I will repay the debt.

The Consumer Credit Act 1974 - Unfair Relationships

 

See Unfair relationships - Enforcement action under Part 8 of the Enterprise Act 2002 .

 

 

What would help you is to find out how things went with Superslueth.

 

If she won her case, you can use the same arguments and points (if applicable). If she didn't win, we will at least get an understanding of the arguments used by the lender so that these can be debated and overcome.

 

Has anyone heard from her ?

 

I see she is still logging into CAG but has not posted anything in the last couple of weeks.

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I'd be very interested Rocket 1 but unless we can find something conclusive it's going to be hard going.

 

I was mis-sold by a broker that falsified documents but trying to nail him down is proving difficult.

 

SPMLs' websites have done a vanishing act. I have a list of Sundry fees dating back to 2002 and they look nothing like the ones now displayed on Capstones website. The effort they have gone to cause maximum distress and the lies they have told are unbelievable.

 

Truro,

 

The CAB, with respect for what they do, are hopeless when it comes to anything outside making an arrangement to pay. If they can get you from death row onto a life sentence then they will see that as a positive result even if you didn't commit the crime.

 

I think I've exhausted every root to find out and get SPML to provide the information on securitisation. So I've tried the direct approach, as the 'other' company should be named on the insurance and as such I feel I'm bound to directly inform them, and not Capstone/SPML, that I've had to make a claim for water damage.

 

Plus the other complaints and a direct confrontation of a proven lie. Strangely enough it's been over 2 weeks since it was received recorded delivery and they haven't yet replied. Usually I get a reply within a few days to say it has been received and a few days later another letter arrives that's full of ........

 

Eerily quiet.

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Spoke to solicitor acting for SPML today pointing out that the letter from them the claimant is LMC but the court eviction notice is London Personal Loans. Also pointed out that after checking companies house there is no such company as LPL registered, so how can this company legally evict me from my home. Still waiting for a call back from her.

 

I will be writing to LMC and the court regarding the info I have on SPML and Eurosail. I dont want to be evicted and then find it was done illegally I want to make sure they aware that the company evicting me could be doing so illegally.

These companies cannot continue to repossess borrowers because the law is blind and there is no justice for ordinary citizens in this country.

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They are absolutely hopeless Truro and nether Capstone or SMPL have a clue what they are doing.

 

I spoke too soon before and have now had a response, if you can call it that. I'm basically back where I started as they have classed it as a new complaint instead of keeping up the correspondance when they already knew I was complaining and it's a flamin' ongoing thing that they can't get anything right!:-x

 

In their little list of things taken from my letter to investigate, guess which question has been overlooked?

 

2 letters from the same person, (not even the person that it was addressed to directly), on the same day and both signatures are completely different. The can't even get the names right for the account and have fused my OH and myself into one trans-gender name.:mad:

 

I've had enough of their rubbish and games as someone is taking the P.

 

I think I've done everything to sort this mess out and even after going to the FOS and sticking that out for 2 years, more things are coming to light the deeper I look so I don't think there is any other choice than taking them to court. The longer it's going on for the more chance we have of losing our home as they are a loose cannon when it comes to fiction and fees.

 

I'm a fairly strong person but it just grinds you down to think that THEY couldn't be trusted to walk a dog (mildly put) but are in charge of your home.....GRRRRRRRRRRRR

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I'm ranting a bit but travellers seem to have more bloomin rights than any of us that have tried to better ourselves and free up authority and rental housing. But what help do we get when it all goes wrong and the company is acting unlawfully? A free ticket to the FOS that's bloomin funded by them and are as impartial as an MP's accountant.

 

I'd better stop before I throw my toys out of my pram but all of you in the same situation will know how it feels and it's not good.

 

Rant over (sorry).

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That made me smile littledotty and thanks for being so sympathetic at my rant. Together we will find something to bring their house of cards down and I'm thinking along another avenue rather than the main road.

 

Doesn't matter who we vote for, the Government always get in :-(. Words fail me at what the bar stewards have milked when 'prudence' was preached:lol:

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Well I have today received my SAR from LMC or should it be Vertex..i don't know who it should be anymore,there has been that many change of names in the last 3 years.

 

Anyhow,its just aload of dump notes with the 3rd party details marker pen crossed through the names,a copy of abbreviation glossary that does not match and a load of bull s*** with re to telephone conversations making them sound like they are fit to work for the queen!!!

 

I have been through all the missed payments and the figure is nearly £6k less than what they state we owe,but i can see what they have done...when we agreed to pay that bit extra to cover the arrears,the amount has been returned by dd and they are adding the cmi plus the extra back onto the arrears figure.

 

Can I complain to the Information Commissioner? as they havn't fully complied with the SAR!!!

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Already posted elsewhere but worth a serious look!

 

http://www.oft.gov.uk/shared_oft/business_leaflets/enterprise_act/oft854.pdf

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Ok a General plea.

 

Muppets and devious (deviant criminal) muppets at that. However not so devious that there is no recourse in law. It's all here. A carefully constructed legal argument awaits those who look through with meticulous consideration to the fact that repossession awaits them if they don't. Me too probably even though I do.

 

YOU HAVE TO FIGHT AND DO IT PROPERLY.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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