Jump to content


  • Tweets

  • Posts

    • hehe know it very very well you are in scotland  you totally ignore  a private parking speculative invoice is NOT A FINE. in scotland they are a scam dx  
    • it does NOT SAY WILL... read it again... instructed does NOT MEAN WILL..it has no legal meaning... and the 'they' is not the legal debt owner.... stuff and all any 3rd party DCA can do, let alone any dca in the 1st place..no legal powers whatsoever..none of 'em. all the debt owner can do is the same as you or i if someone owes us money...start a court claim. dx  
    • I found it cheers Dave!!   I think focusing on lack of compliance with legislation should be the one, seeing as we just lost the case to them by not complying, it will be worth pointing it out. I also want to poi t out their m.o. Which is less than honourable to say the least. Hopefully the judge will side with the little old lady and not the peoppe who use deceit to line their pockets!!   She said she is happy to speak up but is kindly asking for assistance in the form of a bullet pointed printed paper for her to take in so she can read out her points and leave it at that (without rambling).    Straight and to the point!!    Daves post #66 is legendary 🙌    Thanks for the help guys 😊    Let's kick some ass    
    • I differ from my site team colleague slightly in the the six-month rule applies if you have asserted your rights within the six months. My understanding is that you haven't asserted your rights during that time. In other words you haven't informed them that you are giving them a single opportunity to repair and if they decline or if the repair fails then you are rejecting the car for a refund. Please correct me if I'm wrong. On that basis, you are covered by the consumer rights act but not in terms of the right to reject. You are covered under the consumer rights act in that you are entitled to purchase a vehicle which is of satisfactory quality and remains that way for a reasonable period of time. You don't have to prove that the fault existed at the time of sale – although that's what they will try to tell you and even the motoring ombudsman will try to tell you that. But the motoring ombudsman is an industry led organisation which pretends to be an ombudsman but in fact favours the industry and its advice is wrong and even deceptive. I think you should start off by writing both to the finance company and also to the dealership. Describe the fault to them. Send them the evidence you have that the windscreen was incorrectly fitted and the damage which has been caused as a result. Send in the quotation for the work and require them to respond within seven days and that they must agree that the work will be carried out by a competent professional an authorised repairer. Not one of their cheapskate once. Also, you will want them to agree to provide you with a courtesy car. Also have you incurred any expenses associated with this? Travel, car hire, cost of inspections –?? Have you told us the name of the finance company? My site team colleague is correct that if they cause any trouble then you should see them as co-defendants. You can be certain that they will put their hands up. It will go to court. You would sue them for the cost of the work. You would recover your costs of the installation plus your court costs. I don't think you will be able to sue for the rejection of the vehicle on the basis of what you tell us in terms of having not asserted your rights. However you will be able to recover the cost of all the works – making good everything so that the car is in the condition that it would have been in had the replacement windscreen been properly fitted. I wonder who fitted the replacement windscreen? I think I would be out to sue them as well. Post the draft of your letter to the dealership and also to the finance company here so that we can have a look before you send it off. Incidentally to answer your question about what should you do immediately,  I would suggest that you send the letter tomorrow. Wait until the end of the week. If they don't respond or if they respond negatively, then write to them immediately and tell them that you are not prepared to do without the vehicle. As they have failed to respond to your putting work in hand and you will be approaching them for the costs of all the repairs and if they cause you any difficulty in you will simply sue them. A bill of about £4000 is easy. It puts you within the small claims track so there is no risk of costs even if you lose – which is most unlikely on the basis of what you say
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 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
        • Like

SPML/LMC anyone claimed for mis selling and unfair charges?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1139 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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"

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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"

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

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
Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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
Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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
Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

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!

Link to post
Share on other sites

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

Link to post
Share on other sites

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"

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...