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    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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SPML/LMC anyone claimed for mis selling and unfair charges?


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Hi GR

 

Ownership is a very vexed issue, the law is complex and the county courts either don't or won't understand the issues. I had a judge who thought that securitisation meant being secured against the property. Wilful ignorance in my view. Are you familiar with the debate between superslueth and suetuonius on this and other threads? In the case of spml and sppl I could hazard a guess that ownership means nothing in the conventional sense. The whole process of securitisation rests on diversification of risk. Each mortgage has been sliced and diced so that it doesn't exist except as your liability to ultimate

Ultimately the investors in the notes. You are probably looking for the rainbows end here even though we both know they were sold sold again and that the original grantor of the mortgage retains the right to aggressively pursue us

 

 

 

Howdy Enough,

 

l have followed most of the sites and threads pertaining, not only to Preferred/SPML etc., but, other similar shady outfits. And, there's a lot of them, some worse (if possible) others slightly better.

 

The thing l'm really interested in, is how we and l can get to the source of our problems. l'm no longer in such a terrible position towards Preferred, but, it has cost me a lot and will continue to cost me for the next 5 years. However, that's not the point here, what l like to achieve is to prove that these ''lenders'' are engaged in nothing more but an attempt to defraud people of their homes and money and the tax from the state. l have'nt really started to dig all that deep in to this obscure and fraudulent business yet, but, hope that eventually we shall have the possibilities to achieve something similar to what is being done in the US. What has been proven here is that Preferred and SPML have their administration handled by Capstone, but, they are ultimately all owned by what was Lehmans. However, the true decision makers are the SPV's and their investors, why, all of us are at their mercy. Finally, if it was never the intention of these outfits to engage in any sustained longtime mortgage business, but, only short time speculation, i.e. get borrowers at preferential mortgage rates or sub-prime borrowers, then flog the books expecting the borrowers to re-mortgage after the preferential period is up, is this then a legitimate mortgage business? Of course not, so how do we get at them?

Gustavius

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Howdy Enough,

 

l have followed most of the sites and threads pertaining, not only to Preferred/SPML etc., but, other similar shady outfits. And, there's a lot of them, some worse (if possible) others slightly better.

 

The thing l'm really interested in, is how we and l can get to the source of our problems. l'm no longer in such a terrible position towards Preferred, but, it has cost me a lot and will continue to cost me for the next 5 years. However, that's not the point here, what l like to achieve is to prove that these ''lenders'' are engaged in nothing more but an attempt to defraud people of their homes and money and the tax from the state. l have'nt really started to dig all that deep in to this obscure and fraudulent business yet, but, hope that eventually we shall have the possibilities to achieve something similar to what is being done in the US. What has been proven here is that Preferred and SPML have their administration handled by Capstone, but, they are ultimately all owned by what was Lehmans. However, the true decision makers are the SPV's and their investors, why, all of us are at their mercy. Finally, if it was never the intention of these outfits to engage in any sustained longtime mortgage business, but, only short time speculation, i.e. get borrowers at preferential mortgage rates or sub-prime borrowers, then flog the books expecting the borrowers to re-mortgage after the preferential period is up, is this then a legitimate mortgage business? Of course not, so how do we get at them?

Gustavius

 

'Howdy' Gustavius. You have a clear understanding of the process and the issues here, no doubting that one. I fully agree with your synopsis.

 

Various stress tests have been applied, backed up with law by various caggers.

 

1. The misselling angle - still very potent in my view, if you've kept the paper trail. If not I fear you have little chance of getting hold of it.

 

2. Other caggers have tried and tested inculding myself, the securitisation angle but it's very difficult getting a court to listen to the issue and hear the argument. Even if Sue is right and Supersleuth is wrong it doesn't matter because the average district judge isn't interested no matter how well formulated the argument. As I said my judge probably willfully, confused securitisation with a secured charge. So it doesn't get tested. Sue will point out that it has been tested in Pender and Pender lost. Fair enough.

 

3. JonCris has argued instead that the equitable vs legal debate misses the point and instead focuses on the transformation of the actual performance of the contract which is very far removed from our honest and reasonable expectations when we signed the contracts. i think this has very strong legs but this along with ultimately all the other challenges will need to be heard and you can't get them heard. I know I've tried and the court's just aren't interested.

 

4. Some have tried the CCA argument but that is on hold at least until October in the CoA. (See Heath Vs SPML). I hate to say it but I think it will go in SPMLs favour, finger's crossed it wont.

 

5. Then there's the slow route of the FOS on charges and other breaches. I think it's worth it but it is mighty slow. Still it brings more pressure and maybe just maybe forces them to behave a bit more reasonably to those less equipped to fight. Then again maybe not.

 

6. The media are sniffing around from time to time and my feeling is that that does get at them. But the more media coverage the more they'll become desensitised to it and ultimately not really care.

 

7. The FSA (I know I know) are looking into this as well and the TSC are looking into the FSA. There will have to be a token gesture at least or the TSC will blow a gasket and in full public glare.

 

Many Caggers have had some success but the band wagon rolls on. Sniper fire is fun and good for our morale, small victories keep us going, but it's like a casino. The house will win in the long run.

 

Incidentally there is no way your full term will last. The prospectuses even boast how quickly redemption takes place. Remortgage or Repo. Who would have signed a contract knowing 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 EIE

 

Thank you for taking the time to read my post, do you think there is any real chance of claiming the early redemption charge even if mortgage was paid off about 15months ago?

If you do have any advice would you be as kind as to PM me and what would my reasoning for claiming be apart from the obvious.

Any other advice or direction would be gratefully received.

 

 

Onwards and upwards ;)

 

 

Ang

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Hi Angmarie

 

you have nothing to loose by going down the reclaiming of redemption charge, especially if it was only 15months ago.. i am more than certain you are well within the time limits for this...have a look around the site and im sure you will find some very useful information and helpful caggers along the way. It has to be worth a try...a small kick in the teeth for crapstone, but a big kick for the caggers!! :D

wishing you and your family the very best!

 

b-o-2

 

Start by sending a dsar to them...start your own thread, it helps to keep everything in one place, where you will get loads of advice, and others can follow with interest..

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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'Howdy' Gustavius. You have a clear understanding of the process and the issues here, no doubting that one. I fully agree with your synopsis.

 

Various stress tests have been applied, backed up with law by various caggers.

 

1. The misselling angle - still very potent in my view, if you've kept the paper trail. If not I fear you have little chance of getting hold of it.

 

2. Other caggers have tried and tested inculding myself, the securitisation angle but it's very difficult getting a court to listen to the issue and hear the argument. Even if Sue is right and Supersleuth is wrong it doesn't matter because the average district judge isn't interested no matter how well formulated the argument. As I said my judge probably willfully, confused securitisation with a secured charge. So it doesn't get tested. Sue will point out that it has been tested in Pender and Pender lost. Fair enough.

 

3. JonCris has argued instead that the equitable vs legal debate misses the point and instead focuses on the transformation of the actual performance of the contract which is very far removed from our honest and reasonable expectations when we signed the contracts. i think this has very strong legs but this along with ultimately all the other challenges will need to be heard and you can't get them heard. I know I've tried and the court's just aren't interested.

 

4. Some have tried the CCA argument but that is on hold at least until October in the CoA. (See Heath Vs SPML). I hate to say it but I think it will go in SPMLs favour, finger's crossed it wont.

 

5. Then there's the slow route of the FOS on charges and other breaches. I think it's worth it but it is mighty slow. Still it brings more pressure and maybe just maybe forces them to behave a bit more reasonably to those less equipped to fight. Then again maybe not.

 

6. The media are sniffing around from time to time and my feeling is that that does get at them. But the more media coverage the more they'll become desensitised to it and ultimately not really care.

 

7. The FSA (I know I know) are looking into this as well and the TSC are looking into the FSA. There will have to be a token gesture at least or the TSC will blow a gasket and in full public glare.

 

Many Caggers have had some success but the band wagon rolls on. Sniper fire is fun and good for our morale, small victories keep us going, but it's like a casino. The house will win in the long run.

 

Incidentally there is no way your full term will last. The prospectuses even boast how quickly redemption takes place. Remortgage or Repo. Who would have signed a contract knowing that?

 

 

 

You've been dealing with this particular problem for a very long time, l notice. You are also absolutely right in your observations, but, there is still this point about the performance of the contract and the lenders original intention. So, if Preferred never intended to sell me a contract for a mortgage of x zillions for a period of y milleniums, but, only for two lousy years and this without explanation or mentioning in any prosepctus, then they are in breach at best and outright fraud at worse. My mortgage is now running well beyond the preferential term, but, that may be because it was/is prime/near prime. This will, of course, have no bearing once they need to flog their books or more likely realize some cash, something that could happen any minute, considering their financial position. Well, what to do? drop your pants and bend down or stand up and fight? As l did'nt go to any boarding school, l will stand up and fight, hence, l'm looking for ammunition. As for securitisation, this is a completely different matter as it is legal, but, in my opinion not practised as intended and immorally used against the borrower. We can discuss this at a later stage, but, let's commence with the issue of performance of contract. l'm sure that somewhere there in ether space someone knows more than l and will hand me that little helping hand l need to go on.

Gustavius Rex

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Hi ang marie

 

the advice you have received is top notch. Pms are not as effective for a number of reasons. I'll pm you if you want as to why. Only joking. Start your thread and well proceed from there.

 

GR yes! Excellent. Can't concentrate at the mo though as the kids are playing up missus enough isn't helping either

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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JonCris is the main man about performance. He hasn't been about for a while though. I think he has a very valid argument on the divergence between what it says on the tin and what it actually does.

 

I wanted life breathed back into this thread coz it went too quiet for too long. I'm sure we can get the pressure back on.

 

Angmarie

 

check out MCOB - Detailed but required Reading.

 

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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You've been dealing with this particular problem for a very long time, l notice. You are also absolutely right in your observations, but, there is still this point about the performance of the contract and the lenders original intention. So, if Preferred never intended to sell me a contract for a mortgage of x zillions for a period of y milleniums, but, only for two lousy years and this without explanation or mentioning in any prosepctus, then they are in breach at best and outright fraud at worse. My mortgage is now running well beyond the preferential term, but, that may be because it was/is prime/near prime. This will, of course, have no bearing once they need to flog their books or more likely realize some cash, something that could happen any minute, considering their financial position. Well, what to do? drop your pants and bend down or stand up and fight? As l did'nt go to any boarding school, l will stand up and fight, hence, l'm looking for ammunition. As for securitisation, this is a completely different matter as it is legal, but, in my opinion not practised as intended and immorally used against the borrower. We can discuss this at a later stage, but, let's commence with the issue of performance of contract. l'm sure that somewhere there in ether space someone knows more than l and will hand me that little helping hand l need to go on.

Gustavius Rex

 

Hi GR,

 

EIE sums it it rather well me thinks...

 

Performance of contract, or the lack of it by a breach, is a tough one to follow up. Proving any deliberate direct personal loss caused by them is hard to nail down and then of course you have to run the court gauntlet, who we all know wouldn't have a clue about securitisation even if it jumped up and bit them on the backside:|.

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JonCris is the main man about performance. He hasn't been about for a while though. I think he has a very valid argument on the divergence between what it says on the tin and what it actually does.

 

I wanted life breathed back into this thread coz it went too quiet for too long. I'm sure we can get the pressure back on.

 

Angmarie

 

check out MCOB - Detailed but required Reading.

 

Keep the faith EiE.

 

And that leads us back to the misrepresentation and the fact we find ourselves with products that should have carried a health warning and which certainly didn't do what it said on the tin!:-|

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Angmarie

 

If you are not sure how to start your own thread let me know!

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 all

 

Oh gosh I never once thought I really could file a claim against them now as I said whats done, done!

But hay whats good for the goose and all that lol.

I have struggled to start my own threads in past but bear with me and I will have another go, dont really want you lovely people doing my homework for me.

My main threads on here are regarding credit cards, requesting cca and charges.

Is there anything on this site where I could download dsar or do I write to them to request the paperwork.

 

Many Thanks to you all

 

 

Ang x

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In the middle of trying to get the eldest lad to bed.. It's like talking to capstone...yawn .... Teenage excuses. But will be back fully armed with what you need to get going. Hang on in you've been waiting 15 months anyway and THEY have no hold over YOU!

 

In that sense you are the perfect cagger!

 

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 EIE

 

Please forgive my ignorance, I am still on a learning curve:).

I am keen to read and digest all I can but I may need some guidance as to where I would find MCOB, if you please.

 

Ang

 

This should start you off..make yourself a strong coffee..;)

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In the middle of trying to get the eldest lad to bed.. It's like talking to capstone...yawn .... Teenage excuses. But will be back fully armed with what you need to get going. Hang on in you've been waiting 15 months anyway and THEY have no hold over YOU!

 

In that sense you are the perfect cagger!

 

Keep the faith EiE.

 

LOL :lol:.

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Might get myself a strong coffee now that the thread has been rejuvenated. Good God, is there no end to this community's spirit. The answer of course is no! There is no end.

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 Angmarie

 

and hi also to all other fellow strugglers against these sub prime garbage peddlars.

 

This is going to be a long one but I will try to keep it concise!

 

Angmarie PMs are ok and they serve a purpose. In my early days I used them a lot and got some good advice.

 

however there are some caveats

 

These are the following.

 

1. You can be 'befriended' by people who are not genuine.

2. There is also the possibility that a genuine cagger gives advice in good faith, only for that advice to be mistaken or misinterpreted and improperly acted upon.

3. You could feel more ready to divulge personal information on a PM because you feel you have that 'trusted' relationship with a person or persons you don't really know, however plausible they seem

4. You could need help urgently from said person and not receive it.

5. The other person could cut and paste your pm on open.

 

In short be very very careful about pm

 

However be careful in avoiding posting explicitly clear signposts to who you are on open, Yes, it's an effing tightrope...

 

Moving on...

 

If you want to embark on this then you would probably win. However you will be fought tooth and nail and they will lie all the way to their part 36 settlement (that's when their novice graduate receives a phone call saying we'll settle here and now and we don't need to speak to the judge). If it gets that far you'll know precisely what to do and say.

 

As for your claim, softly softly catchy monkey!

 

Research is vital. Start with the basic principle of:

 

If the ERC seemed unfair it almost certainly is.

 

If a conveyancing sol charges 750 that seems reasonable and fair (if a bit pricey). If the same said sol charged you 5K you'd be going hold on! Right?

 

OK so working from there you need to look at what they charged you on the ERC.

 

They can do this but and it's a big but it must be no more than a reasonable estimate of their costs for your early redemption

 

Heres the MCOB Link

 

FSA Handbook - Full Handbook

 

What I have found is that if you approach all naive and innocent saying things like this must be wrong, I didn't expect this etc and then move slowly through to stronger more legally backed up letters, they are not quite sure how to cope. THis is because they think they are dealing with idiots and when they have realised they are dealing with someone who is informed they panic because the paper trail has gone!

 

My thoughts and advice are here for anyone to use but please please please get them tested first. It costs a lot to hire a sol. It costs a lot more to lose your house.

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 ALL HOPE YOU ARE PAYING ATTENTION

 

RE MR or MRS VeryCatchy

 

A quote from the energy forum

 

verycatchy7939

Basic Account Customer

 

Where else can you earn 8% interest on your money?

Start your County Court claim NOW!!!

 

Cagger since : Feb 2007

Posts: 68

 

Re: Huge bill from Npower??? I'm on prepayment meter???

these bill have been generated from old card like PPM( prepayment meters).Basically the attitude in the industry is that you used u gotta pay for it. you have had many opportunities to update your tariffs but you chosen not to.Every time you get Price rise you need a reset, i bet not one of you contacted the company's to ask them to do this?? Take your pain you are as much to blame as the company's.It is a shared responsibility .Usually i can give loads of advice on bills but this really is for the customer to source and arrange access.If you were a credit customer you would be expected to pay for at least the last 12 months of consumption so why should PPM customers be different.

 

Just about says it all really.

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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For the avoidance of doubt...:) LOL

 

Here's the link>

 

http://www.consumeractiongroup.co.uk/forum/utilities-gas-electricity-water/166330-huge-bill-npower-im.html#post1801874

 

Night all!;)

 

npower are a particularly virulent bunch of scumbags

Edited by enoughisenough
forgot to insult npower

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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THIS IS A MAJOR OFF THREAD HIJACK ... SORRY!

 

And speaking of our energy supplier friends... which just goes to to show the lengths that corporations will go to screw us..

 

- Linda Johnson, London

Posted: 20 June 2009, 7:56pm

 

6. I moved to npower last September after a price comparison website told me it would save me £663 a year. My monthly gas and electric payments were subsequently reduced from £175 per month to £130. However after only nine months of moving over - I have now had a statement to say that I am £943 in debit!!! My monthly payments are now increasing to £323 a month - how does that work? Surely the increase in energy prices cannot account for that? They regularly send someone to read the meters but only review payments every six months. I have contacted them, but got no-where.

I think I must be paying for the street lighting too.

 

I promise I will be back on message soon.... any hint of forgiveness for the hijack would be warmly appreciated

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 all

 

To get right back on message...

 

Does anyone know why Lehmans were allowed to go tits up and virtually no other bank I can recall was?

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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THIS IS A MAJOR OFF THREAD HIJACK ... SORRY!

 

And speaking of our energy supplier friends... which just goes to to show the lengths that corporations will go to screw us..

 

 

 

I promise I will be back on message soon.... any hint of forgiveness for the hijack would be warmly appreciated

 

You're forgiven. I'm still waiting for BG to explain how we used over £800 worth of gas in 12 weeks when we were away for 4 of those! That was over 2 years ago...:rolleyes: Tell Sid..

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