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    • 12mph (beyond any UK limit) will certainly qualify for a Fixed Penalty. So you should received an offer of a FP for each of the remaining two offences. Be sure to submit your licence details as instructed when you accept the offer. If you don't your £100 will be returned to you and the police will prosecute you in court.
    • and it will be also now written off under age related criteria anyway.
    • @dx100ukThanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
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    • 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?


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..thanks for the tips everyone.. especially eagleforms.. will get in touch with CAB for the hearing date etc..

 

.. but yeah there was a CAB person available last time.. and a long queue of folks waiting outside the door too..

 

..how do you know which SPV relates to your account as a matter of interest?

 

@N4B - thanks for the help indeed, but I couldn't possibly post up those details now.. it might give the game away :)

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..anybody who believes that the SPVs, donot legally own your mortgage, is a feck'in Jackal....

 

 

 

 

 

 

 

 

 

ITGG!

get some

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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zillak

go down to your local cab asap ,see someone tell them about the twins ,home in danger etc lay it on thick and make sure their rep at court is available for you on the day and acquainted with your case and facts before the hearing (if possible see them personally at the cab well beforehand ),whatever you do, don't wait until day of hearing.

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..WUF...do you have some Jackal word search radar..or something?!

 

sorry shill don't do drugs.

 

 

 

 

 

 

 

ITGG!

incoming!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Edited by I'm the bad guy?
'still'

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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midge61,

 

can I ask who your JAW lender is?

as some SPVs will have bought from other JAWs,

here it looks like just SPML.

 

 

 

 

 

 

 

 

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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Hypothetical,as only the noteholder/creditor can make the spv insolvent then their income will dry up? so do they put up with the loss and decreased return and file a claim against lehmans which I think is what has already happened through the spvs

Where, as the mortgagors and debtors would this leave everyone here.? The ultimate property of the noteholder who would still need some entity to collect our monthly repayments?

Would the only thing that would actually change be the name of the chargeholder on the mortgage deed?

Edited by ryde
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vulture funds etc, using 3rd party FSA licensed companies, Capstone, HML, Vertex etc. this concern has been posted up previously by TSC..

 

 

 

 

 

 

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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What is a JAW? Capstone insist that my loan(secured against my house, unregulated) is owned by SPPL. ITBG, do you know different. Can I expect some incomprenhensible nonsense as a result? Sticks and stone and all that, especially when I know what the words mean but do not understand when they are put together as on post 4114. I shill don't do drugs either.

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ITGG!..who tha hell do yer' think you are cagger?!

 

i outta CAG martial yer' ass

 

you know the rules of engagement-

 

don't feck'in break'em!

 

 

 

 

 

ITBG?

sorted

(but not for

e's & whizz)

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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vulture funds etc, using 3rd party FSA licensed companies, Capstone, HML, Vertex etc. this concern has been posted up previously by TSC..

ITBG?

 

So no ones gonna be any better off unless the transfer can be stopped? and the vulture funds can't register a legal charge on the property.

May be a good idea to see if this is a possibility while there's still time.?

Edited by ryde
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Apologies troopers. I've been locked in a day long meeting in a basement. Will try to get up to speed soon. Same scenario tomorrow. Keep up at it.

 

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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So retention of the paper legal title by the originator is to avoid the payment of stamp duty which will become payable on the transfer to the spv or vulture funds should the insolvency trigger be pulled as in the recent notices posted by eurosail with reference to the imminent insolvency of sppl.(as the duty would be payable by sppl, the originator who is insolvent it is difficult to see how this could be achieved)

It would further follow then that the transfer of the charge from lets say lmc or sppl to spml should have attracted stamp duty which should have been paid by the originators ie lmc/sppl.

(Question is has sppl/lmc paid the revenue?? if stamp duty is applicable to these transfers ,how much is the duty because there's probably getting on for a £1billion worth of transfers here and one huge unpaid tax bill,get your heads round that one! if anyone will make you insolvent in the blink of an eye with no punches pulled its the revenue)

Is that how you see it napier??

Edited by ryde
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So no ones gonna be any better off unless the transfer can be stopped? and the vulture funds can't register a legal charge on the property.

May be a good idea to see if this is a possibility while there's still time.?

 

lr told me that it is possible to place a 'caution' on file regarding this.. not that they said how to though...

 

...

 

..sounds like I've missed all of the fun.. drugs.. and

 

I've been locked in a day long meeting in a basement

 

..kink...

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You do not want to know...:D

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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zillak

lr told me that it is possible to place a 'caution' on file regarding this.. not that they said how to though...QUOTE

Who are you talking to at LR, all cautions now replaced by restrictions post land registration act 2002.Which is exactly what we need here.

Edited by ryde
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The legal document by which this transfer is effected is regarded in law as a conveyance, that is, the instrument by which the transfer is effected, and such instrument in many jurisdictions is liable to a stamp duty. UK, Hong Kong, Malaysia, India, etc are examples of jurisdictions where assignment agreements are liable to stamp duty.

 

Equitable assignment is a commonly used device to avoid stamp duty. - that is, the assignment is not perfected but is kept as an equitable assignment creating a trust between the assignor and assignee. quote napiernuts.

 

Cagenders

This subject is really worthy of investigation,you can bet your life if stamp duties due on a legal assignment from the originator eg sppl/lmc/matlock bank etc to spml theres a good chance it hasn't been paid .so:

1)We need to establish if any is due and if so,how much and whether it has been paid.

2)We have the accounts and the value of the loans transferred so it could be possible to work out the amount due.Cause if they haven't paid it they'll be well and truly sunk once the revenue is made aware of it,but it needs to be concrete as its something they cannot escape and its a big time jailable criminal offence.

(How many times has this been said)will have to try and get L.C. interested.

No wonder I'm talking to myself at 4am in the morning.

Theres only ever been one way to go with this (op),get the b...stards busted by whatever means then get a restriction on the register(the hard bit) to prevent the transferred charge being registered.

Then we call the shots.Otherwise we're back in the same boat with a bigger leak.

Has anyone got any other solutions?

Edited by ryde
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The legal document by which this transfer is effected is regarded in law as a conveyance, that is, the instrument by which the transfer is effected, and such instrument in many jurisdictions is liable to a stamp duty. UK, Hong Kong, Malaysia, India, etc are examples of jurisdictions where assignment agreements are liable to stamp duty.

 

Equitable assignment is a commonly used device to avoid stamp duty. - that is, the assignment is not perfected but is kept as an equitable assignment creating a trust between the assignor and assignee. quote napiernuts.

 

Cagenders

This subject is really worthy of investigation,you can bet your life if stamp duties due on a legal assignment from the originator eg sppl/lmc/matlock bank etc to spml theres a good chance it hasn't been paid .so:

1)We need to establish if any is due and if so,how much and whether it has been paid.

2)We have the accounts and the value of the loans transferred so it could be possible to work out the amount due.Cause if they haven't paid it they'll be well and truly sunk once the revenue is made aware of it,but it needs to be concrete as its something they cannot escape and its a big time jailable criminal offence.

(How many times has this been said)will have to try and get L.C. interested.

No wonder I'm talking to myself at 4am in the morning.

Theres only ever been one way to go with this (op),get the b...stards busted by whatever means then get a restriction on the register(the hard bit) to prevent the transferred charge being registered.

Then we call the shots.Otherwise we're back in the same boat with a bigger leak.

Has anyone got any other solutions?

 

Am I right in thinking , that if your original lender changed names charge on property should of been changed , and if not ,.. is this an offence ? is it legal ,.. can we attack on it ???????

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