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    • Thanks Dx    merely trying to avoid the fees added considering the circumstances.    Will ring the council tomorrow 👌
    • you could have moved within that time in the same complex. have you this in writing - did you request a copy of the judgement CCJ AND Claimform from northants bulk?   it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. where your post said fine it now says charge dx
    • That’s really useful info, thank you. You are correct, we did not assert our rights as the issue only developed just over 7 months after purchase. When the problem arose we chose to use Mercedes via the warranty company (RAMP) After a lengthy (3 weeks) and complex investigation Mercedes could not fault find without extra hours being approved, which we reluctantly had to do. Most of the costs incurred are for labour to locate the issue. Therefore all works on the car have now been completed by Mercedes in Croydon. They have provided us with a courtesy car which we have so far had for 1 week. I’m guessing we won’t be able to wait that long for a response from Doves as Mercedes will want the balance settled?  Finance was via Santander, we luckily haven’t incurred any expenses only extreme  stress, cancel numerous arrangements and manage family life without a vehicle for 4 weeks 😢 No one seems to know who replaced the windscreen, the car has full (3 years) Mercedes service history and we have tried to contact the garage where the services were completed to see if they can shed any light but they are impossible to speak to.  Thank you again! I’ll update with a draft of our email in the morning 
    • nothing to do with the magistrates court, they are rubberstamped. council is your target. dont play silly russian roulette by hiding, always works out bad. never run from debt of any kind! the councils CTAX legal dept will be well aware the NOE thus the fees are unenforceable, but they probably dont know it was not served to your correct address.(bailiff they employed not doing their job properly!) have a chat with them, and get the org debt paid off say by small monthly sums. NEVER just pay it by a portal without human intervention as to why you are paying what because of a disputed sum. do things legally and properly  
    • Hope the tories, labor, lib dems and the chap farage shunted out are all out in clacton campaigning and pointing out that * He doesn't live there and has effectively said he doesn't even want to be there and has presented his contempt of them * Hes not just fiscally incompetent, hes fiscally lying * If they do vote for him he'll just hammer expenses and swan off doing whatever he likes at their expense
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    • If you are buying a used car – you need to read this survival guide.
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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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      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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SPML/LMC anyone claimed for mis selling and unfair charges?


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Actually there's a ton of historical stuff.e.g.

 

https://www.lehmanam.com/publiccp/LAM/europe/terms_of_use.html

 

Where's this leading ITBG?

 

(PS Seems like it's still in operation

 

http://uk.linkedin.com/pub/helen-richards/9/909/271)

Edited by enoughisenough

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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FSA Register

still listed

Firm name Post code Previous/Trading As names Status Non-FSMA Registration Lehman Brothers Asset Management France

EEA Authorised

Neuberger Berman Europe Limited W1J 6ER Lehman Brothers Asset Management (Eur...Nb Europe, Neuberger Berman, Neuberger Berman Europe Authorised

Western Asset Management Company Limited EC2A 2EN Lehman Brothers Global Asset Manageme..., Shearson Lehman Global Asset Manageme..., Western Asset Global Management Ltd Authorised

 

Pages: 1

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EiE, all - cheers for digging

 

just trying to find out why this Lehman Asset company is not listed anywhere as a subsidiary(co.structure), and what assets exactly Neuberger Berman bought? As they are not licensed to hold money(FSA)?

 

Looks like the Hayes thing was a hoax?!

 

 

 

 

 

ITBG?

follow the

money

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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Seems Lehman once owned Neuberger Berman.

 

Why Lehman Should Not Sell Neuberger Berman - Deal Journal - WSJ

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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key question is what assets the Neuro Buggers bought?!

 

 

 

record of 6 guests?

 

 

 

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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without being juvenile,

 

is it something I said?, or the lack of deodorant?!

 

 

 

 

ITGG!

kill'em all

let Super

sort'em out

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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ITBG

YOU SAY ASSET and then ASSETS may be splitting hairs but this makes it a different company name. The original company was Lehman asset management not assets management.Thats why it appeared to be a tuck up.Its pigdin english.

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corrected.

 

...strange things are afoot at the Circle K!

 

 

 

 

 

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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Does that mean its one of them dead herrings then?

Smash em

Pulverise em

Mince em up

Light a fire under their asses

 

sorry..... think I've finally lost it,better have a lie down for a bit.

Edited by ryde
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no idea, about the Hayes episode. But some dumbass, went to alot of trouble, setting up 3 separate companies at CH. Who knows?

 

the Neuro Buggers, is REAL, as Midge61 link above. Have now traced the name change of Lehman Bros Asset Mangement(Europe) Ltd, to:

 

NEUBERGER BERMAN EUROPE LIMITED

 

WebCHeck - Select and Access Company Information

 

 

Again, what were the 'ASSET' NeuroBuggers bought?

 

 

open?

 

 

 

 

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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LD,

 

that could be the reason it went from being a limited company, to UNlimited?

 

 

side note, 3 of the directors of Lehman Bros Asset Management(Europe)Ltd[LAMBE], resigned and then became directors of RESETFAN LTD. The PARENT of SPML/PML/LMC/SPPL.

 

this makes the ENRON saga, look like a Disney fairytale. Which one?

 

Spinderella & the 40 defectors.

 

 

 

ITBG?

follow the

money

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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http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/197424-mortgage-securitisation-paragon-pender-4.html

suggest everyone looks at this thread again as some interesting points are currently being raised,especially pertinent to ITBG who's predictions and loyalty may hopefully for all , come to some fruition.

Edited by ryde
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Thanks EIE..duly noted...:) I wonder how the weather is in Florida?

 

As for bustthematrix.

 

'Dodgy borrowers' and 'hard done by'.

 

Speak for yourself. You have no idea what some of us have been through because of the brokers or lenders sole actions.

 

I wrote a rather long post but decided not to waste my breath or time arguing over the rights and wrongs of regular consumers and regulated lenders.

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I'm keeping this short.

 

It's an insult that someone would place blame on a regular consumer and not a regulated lender. They do the maths and economics .....we usually don't ..unless you are here and then you learn a lifetimes worth.

 

I still think people are chasing rainbows when their time would be better spent elsewhere and focusing on the rafters, joists and floorboards of their dwelling.

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crapstone

we are all still chasing rainbows, everyone is waiting for the magic bullet,the problem is if its ever found or discovered will we ever be allowed to fire it.

kegi

what about our date?

Edited by ryde
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Got you going now Ryde... :roll:Have you read about the England football team being prescribed Viagra to see if it makes them come up with more goals .:p

Or the one about mountain climbers taking it and thats why they always seem to be panting a lot ,and on a more serious note why all the mountain goats have disappeared .:roll:

And its on offer today at Asda [every little bit helps]

 

kegi

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kegi what are you on,think I need some.!

 

Question for all.

Can a mortgage administrator regulated and licensed by the FSA carry out duties for an unregulated,unlisenced entity namely the spv?,

Would such practice not effectively cause their license to be revoked?? if the FSA were made aware of this activity?The system of regulation is made completely pointless if this is allowed.

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THE JACKALS WILL DISPOSSESS YOU, THAT'S THEIR NATURE, SHOW'EM NO MERCY. WAR COM'IN.

 

4.16 The proposed definition of managing a regulated mortgage contract is not intended to bring into the scope of regulation firms that own or hold a regulated mortgage contract but do not carry out any activity that is material to the borrower. Special purpose vehicles (SPVs) and

other vehicles used in securitisation, for example, may own or hold regulated mortgage contracts but have no role in any decision-making process which affects borrowers. Decisionmaking powers are delegated by these bodies to a mortgage third party, for example the originating mortgage lender. The Government considers that arrangements of this type should be allowed to continue, and in such arrangements, authorisation will be required by the firm that has the ability to make decisions that will materially affect the borrower, and not by the firm that owns or holds the mortgage. In cases where the firm that owns or holds the mortgage instructs or directs the firm with the ability to make decisions to act in a certain way, this firm will require authorisation.

 

http://www.hm-treasury.gov.uk/d/consult_mortgage_regulation.pdf

 

 

 

 

ITBG?

no end

in sight

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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Well thats rich because I have it in writing from capstone that they are not a mortgage lender or able to offer financial advice or able to vary the terms of my mortgage agreement such as offer payment breaks or any other thing as they are only administrators and if I am having difficulties I should contact an independent financial advisor............so that says they are not the decision makers but if as stated above SPML are as the originators then how are they supposed to make decisions when they are virtually non existant and all letters are dealt with by.......capstones!

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Such activity clearly has the potential to cause severe harm to borrowers. These borrowers are not agents in the market where mortgages are sold on, and the costs imposed on them can be seen as a negative externality of this market. The onward sale of regulated mortgage contracts may also be seen as unfair, as it leads to a reduction in protections for some consumers, both in absolute terms and relative to other borrowers who have purchased similar financial services.

 

Exactly what JonCris and EIE have been saying all along

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Hi all

 

the FSA (Financiers Submissive Authority) have already indicated that these securitizations can't continue in their current form. What does that tell you? That the FSA was asleep on the job? Or they were equally up to there necks in it hoping nobody would notice?

 

Even the TSC said there was an impression of a cozy relationship between the regulator and the industry. An impression? A bloody impression?

 

I don't speak diplomacese. But roughly in translation the TSC were telling them to earn their keep and do some...some...erm...regulating?

 

This has GONE ON FOR FAR TOO LONG NOW.

 

So. An open appeal to the FSA.

 

This is simply no way for decent ordinary people to live. Give us some respite NOW. Ban Capstone and their hideous originators from seeking any more repossessions AT ALL until this unholy mess is sorted in a fashion consistent with consumer fairness and protection.

Edited by enoughisenough

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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