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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
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SPML/LMC anyone claimed for mis selling and unfair charges?


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Oh I think my mortgage has been securitised via Holmes Financing No 9 or thereabouts, but as Sue says it's probably ( if not definately) all legit and I won't start digressing into that as GR says..no I'll just keep watching and learning from you peeps...keep up the good work.

 

Smarterchick,

 

Having read a lot of horror stories on this site on the way these lenders carry on, don't you think it's a really sad day for justice if, as you say, it's all legitimate. There's no hope for any of us if this behaviour is, as Sue says, all legitimate.

 

We should all pack up and go home (only problem with that strategy is that ironically, a lot of Caggers don't have homes to go to). Oh well, that's just tough for borrowers as long as the courts deliver justice where the lenders are, as Sue says, conducting themselves legitimately.

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Can anyone help with this re.unenforceable agreement .this will be shortly amongst other things be going to court so it is not hypothetical.

1)SPML/PML etc etc are attempting to register a first charge against a property I am involved in.

2)They state the charge is to secure the sum of £120000

3)Their solicitors actually have stated in the original application to the land registry that the charge is to secure the sum of £128000

4)So the actual lender and their own representatives disagree as to the amount the charge secures and their respective documentation supports both figures,the solicitors claiming on a recently discovered(manufactured) completion statement that the lender deducted £8000(non of which is broken down) (legal fees etc were seperate from this figure) from the total advance whereas the lender on their statement of fees and costs associated with the loan state this figure was actually only £1100

5)when this point has been raised that they are trying to register a charge that secures a sum that is in excess of that actually owed they have replied that this is a mere accounting issue and does not prevent the application for a charge to be completed and the charge registered,no explanation has been given for the big difference in figures and the court has not asked for one!!!!!

6)I cannot see how you can register a charge when the 2 parties involved the lender and their agent solicitor are both stating seperately it is to secure different figures.

7)Is there any applicable law that would make this unenforceable(basically its people lying to cover their own backs and a right stitch up yet again as they have added £8000 to the original loan figure forgetting that their own documentation they have already submitted some time ago to the court states the real figure)??

8)Its like me borrowing £10000 from the bank for a car on a secured loan the bank then trying to secure a loan for £12000

 

This whole debacle has been caused probably because all the paperwork has been lost and they're now both trying to invent and remanufacture it,trouble is the bufoons always seem to get away with it.

Edited by ryde
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You don't know me Mrs... :D :D :D

 

not so dumb smarterchick :D

 

 

Good on you smarterchick. Those of us on this site usually have a good fighting spirit to take on these loanshark lenders. Wish you all the best in your plight against the Homeloan No. 9 mob (or whatever they're called)

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found this on my travels first bit I take with a pinch of salt , the h/lighted bit does give one food for thought though

 

I have had massive problems with LMC,and think of them as thieves and cowboys. I stupidly took a loan out through a mortgage broker , i paid out £350 a month for 4 years then decided to remortgage to pay them off. In the end i hadnt paid of any of the £30000 balance and still had to pay a £6000 redemption fee! i requested a copy of my loan agreement and was told by them it had been damaged in a flood!! PLEASE STAY AWAY FROM LMC 3.6.2009

kegi

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also this a reply to a ? on a forum from a newspaper /agony aunt

 

Your mortgage was, with many others, bought out by Eurosail but is still branded SPML, which was a subprime lender, and is now serviced by Capstone Mortgage Services. Capstone has explained your position which, you say, has helped you calm down, although you now realise you had not understood the commitment you took on.

 

I have wrote to her asking if she can prove it

 

kegi on the other side of the fence as it were

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Kegi,

 

Post up the response when you get it. Check this out~

 

Anyone with London Mortgage Company(LMC) or Southern Pacific Personal Loans Ltd(SPPL);

 

SPML bought all the mortgage assets from Matlock Bank Ltd/ta London Mortgage Company(LMC) on 2nd May 2006. On the 31st May 2006, SPML sold all the LMC mortgage assets to Southern Pacific Funding 5(an UNlimited company). The entire shares of SPF5, is held by Lehman Bros Holding Inc(USA). Anybody with an LMC mortgage has been paying into this 'private fund', through Capstone, and ultimately to a bankrupt company.

 

Companies House have confirmed, both these companies have NO directors, such that dissolution requests have been posted out to them. Anybody facing an action by these, should directly contact CH, as these entities have no call to do so. They have no representatives within the companies, and could constitute fraudulent activity.

 

Update: Called Home page : FSA Money made clear

 

tel# 0300 500 5000,

 

I made my complaint againt SPML/PML etc regarding 'wrongful trading', and last director under prosecution., and they said this is within the FSA remit to investigate, a breach of regulations. Also, they have to respond to you within 72hrs.

 

I would call them up if you are with LMC/SPPL and ask them how a company can be 'trading' with NO company directors, contrary to Companies Act 1985.

 

Can anyone say, in whose name they are currently paying LMC/SPPL ie on the cheques/DD etc. Is it made out to LMC/SPPL or SPML?

 

 

ITBG?

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 6236

 

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

 

SHUT'EM DOWN!!!!> SPML/PML/LMC/SPPL

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Right Guys,

 

Anyone who have a bit to contribute to solving my current problems is very welcome to do so. This is the situation; l've got a mortgage with a, let's say ''near sub-prime'' lender. l have had arrears of around £10,000.00, which l paid off in full last year. Since then l fell in to arrears again and am in about the same situation as last year. l've tried to resolve the situation, but, have a lot of problems that l cannot go in to here. Now my lender has decided that he's had enough and called in the bailiffs for reposession by virtue of the suspended repo. from last year. This despite the fact that l did pay all of the arrears off. However, l made a new proposal, which is very good and would guarantee payments for the mortgage plus £300 towards the arrears. They kept me hanging on for several days, asking for various documents and verifications etc. only to turn me down today, with a week to go to the meeting with the hangman. l've lodged an application for a suspension based on a forthcoming application to set aside the previous suspended reposession using the Norgan Case Law and a complain to FSA, FOS, OFT et al. But, but, but, have only 6 days in front of me, with a weekend included. Advice and support guys!!!!!!!!!!!!!!!!!!

 

gustavius

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Lil'D

 

As I have posted before, I can only emphasise that all the LMC mortgages were sold to Southern Pacific Funding 5 Ltd(matter of record) and now is an UNlimited company.

Originally, SPML bought all the mortgages from Matlock Bank Ltd, which traded as LONDON MORTGAGE COMPANY(LMC). SPML then used the 'branding of LMC' and this is what is listed on the FSA website. Then it SOLD the entire mortgage book to SPF5 on 31st May 2006. The entire share capital of SPF5 is held by Lehmans(USA) in bankruptcy.

 

I have no idea why you are paying SPML, they donot own your mortgage(OP-own opinion). I think others on this thread, can offer more on how to prove this, ie SAR etc. The SPML accounts 2006 absolutely state this, this is just plain fraud, and I would take the case to your local trading standards.

 

 

ITBG?

Edited by I'm the bad guy?

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 6236

 

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

 

SHUT'EM DOWN!!!!> SPML/PML/LMC/SPPL

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Gus,

 

would like to help, but we need to know who your lender is, as the course of action may vary

 

 

 

ITBG?

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 6236

 

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

 

SHUT'EM DOWN!!!!> SPML/PML/LMC/SPPL

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Right Guys,

 

Anyone who have a bit to contribute to solving my current problems is very welcome to do so. This is the situation; l've got a mortgage with a, let's say ''near sub-prime'' lender. l have had arrears of around £10,000.00, which l paid off in full last year. Since then l fell in to arrears again and am in about the same situation as last year. l've tried to resolve the situation, but, have a lot of problems that l cannot go in to here. Now my lender has decided that he's had enough and called in the bailiffs for reposession by virtue of the suspended repo. from last year. This despite the fact that l did pay all of the arrears off. However, l made a new proposal, which is very good and would guarantee payments for the mortgage plus £300 towards the arrears. They kept me hanging on for several days, asking for various documents and verifications etc. only to turn me down today, with a week to go to the meeting with the hangman. l've lodged an application for a suspension based on a forthcoming application to set aside the previous suspended reposession using the Norgan Case Law and a complain to FSA, FOS, OFT et al. But, but, but, have only 6 days in front of me, with a weekend included. Advice and support guys!!!!!!!!!!!!!!!!!!

 

gustavius

 

Given the short time frame, there is another avenue that it might not hurt to try. That is to email a complaint/ your proposal to the entire board of the bank in question. You could CC various reporters (Daily Mail is usually a good choice) and your MP (just for added weight)

 

All you would have to do is search google or the banks homepage and look for the board. Make a note of all of their names. google email @(bankname).com or .co.uk to identify the format of their email addresses.

 

Then write a message addressed to the Chairman cc'ed to all the other directors etc.

 

It may sound like a long shot but when you call and when you write, the people that you deal with have no real authority to do anything for you.

 

This way you go straight to the top, emphasis bad publicity, treating customers fairly (TCF) and the complaints that you have made to the FSA, FOS, OFT etc.

 

You have nothing to lose.

 

I did this once to my own bank, admittedly it was not for something as serious as this situation. However, I was contacted and my complaint was resolved within 24 hours of my first email.

 

Just something to consider.

 

**** Sorry also include something about the FSA and GMAC

Edited by Suetonius
typo
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yeah, before you've even depressed the return button on your keyboard, you'll be out of house and home..

 

 

 

 

ITGG!

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 6236

 

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

 

SHUT'EM DOWN!!!!> SPML/PML/LMC/SPPL

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sorry Sue,

 

its that boogga ITGG!, looks like he's on the loose again.

 

BOURNE4: MeMyselfI

 

 

 

ITBG?

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 6236

 

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

 

SHUT'EM DOWN!!!!> SPML/PML/LMC/SPPL

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sorry don't do drugs.

 

 

 

 

 

ITGG!

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 6236

 

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

 

SHUT'EM DOWN!!!!> SPML/PML/LMC/SPPL

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APB: the suspect known as ITGG! is known to be female..

 

 

 

ITBG?

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 6236

 

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

 

SHUT'EM DOWN!!!!> SPML/PML/LMC/SPPL

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Right Guys,

 

Anyone who have a bit to contribute to solving my current problems is very welcome to do so. This is the situation; l've got a mortgage with a, let's say ''near sub-prime'' lender. l have had arrears of around £10,000.00, which l paid off in full last year. Since then l fell in to arrears again and am in about the same situation as last year. l've tried to resolve the situation, but, have a lot of problems that l cannot go in to here. Now my lender has decided that he's had enough and called in the bailiffs for reposession by virtue of the suspended repo. from last year. This despite the fact that l did pay all of the arrears off. However, l made a new proposal, which is very good and would guarantee payments for the mortgage plus £300 towards the arrears. They kept me hanging on for several days, asking for various documents and verifications etc. only to turn me down today, with a week to go to the meeting with the hangman. l've lodged an application for a suspension based on a forthcoming application to set aside the previous suspended reposession using the Norgan Case Law and a complain to FSA, FOS, OFT et al. But, but, but, have only 6 days in front of me, with a weekend included. Advice and support guys!!!!!!!!!!!!!!!!!!

 

gustavius

 

GR,

 

Get in touch with Site Team member Ell-en on the repossessions board..she is excellent at putting the wolves in their place. I could talk you through it but as it's a subject a bit too close to home so it's better if she could help you objectively. Be honest with her and she'll post the info you need off the boards to suit. The fact you have managed to clear the arrears before will go in your favour and so will your proposal of clearing the ones you have now.

 

You have my full support and I'm sure everyone here is in your corner. Keep strong and don't let the bar stewards wear you down.

 

 

My only word of advice is to keep it simple..your aim is to keep the roof over your head and not try to bring in complex legal arguments. Those can wait..

 

Just a note that I may not be posting very much in the next few days. My Dad had a heart attack today (his 4th) and isn't doing too well.

 

Love and respect you all. Just knowing you aren't alone does wonders for your moral.

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