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    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • 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
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SPML/LMC anyone claimed for mis selling and unfair charges?


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whats the difference between 31.6 and 31.12?,

can you say precisely,

 

if the court would not order under 31.6, then why would they order under 31.12??

 

 

 

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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what sort of evidence would be sufficient to get the LIP the MSA, to be disclosed???

 

 

 

 

 

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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if the LIP had the deed of charge registered in the name of the SPV, then why would the LIP need to apply for disclosure???

 

 

 

 

 

 

 

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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can you expand on this, as your argument is not really a catch22, but a circular one?

 

 

 

 

 

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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Zilla

 

Do you have a CCA regulated loan?

 

(question relates to your default notices)

 

 

  • Is SPML the claimant ?
  • Did you receive notice of assignment to SPML?

 

..thanks for the reply..

 

..yes, secured loan CCA1974.. SPML is the claimant.. no notice of assignment to SPML - first mention of such is in the most recent default notice '... and now transferred to SPML Ltd..'

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END GAME

Cannot believe anyone wants to wait around for years waiting to be picked off by this bunch or their successors.

1) This is academic:suppose we were granted full disclosure (it would be of great interest as to how "is it me" achieved an order for this) and it revealed that the spv was indeed the legal titleholder all along and it was a true sale.

2)The original lender would have no locus standi ,title to sue, but the spv would have after registration,so it would merely be a change of name on the same claim,therefore of no benefit to us whatsoever.?

3)The issue would then be the mortgage contract and right to rescind, because of the change in most cases from a regulated lender to which most people signed up to, to a non regulated lender which would be the spv (but whats to stop them applying for a licence or having a holding company with a licence?),perhaps this needs to be looked at.

4)Assume all the lenders become insolvent,same position spv takes their place.

5)Assume spv becomes insolvent and it would seem the only person capable of making them insolvent is possibly the noteholder.Title would still pass possibly sold off to a vulture fund.We are still in the same position.Still liable for the original loan this never disappears.

6)If you agree with this ,what is the best case scenario for us??

7)It is suggested for your consideration that the best case may be as it appears now: that the legal and equitable titles have actually been split even if only on paper and that disclosure might actually not be doing us any favours at all.

There is then seperation between the lender spml etc and the spv eurosail .etc. If the lender does become insolvent as was recently posted by various spvs re. sppl the legal title and locus standi is transferred to the spv and the borrower in accordance with applicable law has to be notified for this to become a legal assignment.

9)IF THE LEGAL CHARGE IS NOT SECURED ON YOUR PROPERTY REPO IS DIFFICULT IN THE EXTREME.(like an unsecured loan)

10)So our best hope is for the lender you are with now to become insolvent and Lord Cagger's efforts are to be applauded here.Then we need to prevent the transfer and registration of the legal charge to the spv.

The balance of power and negotiation would then shift in our favour,

11)The only other avenue is if you were sold your loan by a broker who was paid a commission by the lender to promote their product and you were not made aware of this,case law supports the borrower on this argument and as most of the lenders/originators used brokers almost exclusively to sell their products having no other outlets and did pay them large commissions there is a strong argument on these grounds and a possibility for recission of the whole contract.

Summary best outcome

1)Insolvency of lender/originator=prevent transfer of legal charge to spv = no secured loan on your property.

2)Brokerage issues the broker being an agent of the lender ,misselling, recission of contract.

Personally I believe these to be the only objectives worthy of concentration if you want change.

In conclusion

Is there any point arguing about disclosure if it is not to our ultimate benefit;is the premise for disclosure that rather than disclose "IS IT ME" got a deal? How is disclosure to everyones benefit ? rather than disclose they will come to a deal to cover for the spv so the claim is stopped ? (personally it is of vital importance to me but when I submitted a request for disclosure because it was asserted the lender had sold the legal charge it was refused as being irrelevant!)

Edited by ryde
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napiernuts

thanks for the reply although I think most here will be little the wiser.

The question relates not in any way to the spvs or securitisation but to transfers/assignments inter company.

That is; as particularly applicable to the transfers between sppl/lmc/matlock to the company that purchased them spml.

Could you apply the above to this situation,I am sure I speak for all when I say we appreciate this is a personal opinion.

Any chance of replying specifically to this as you can see it affects various people who have asked the same query.

Edited by ryde
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IMHO the only way you could push this is if you could PROVE a loss. You aren't going to gain anything by using it as a defence as there is NO loss, just a con going on in the background that is far beyond the remit of a circuit judge.

 

Demonstrate how there is a loss. Same payments and same t&c's. Same mortgage amounts...same money owing.

 

The majority of complaints seem to be about Capstone or other admin. companies, the lenders or the brokers. Collectively, that should be enough to get the issues we have addressed. Everything else has been done and is now out of our hands so why keep repeating it?

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Hi Napier

 

It is my understanding that IS IT ME's case was subject to a confidentiality clause, approved and sealed by the court. In those circumstances (if correct) there was clearly a major problem for the lender, in disclosing the MSA. What bugs me is why the court didn't have the gumption to actually flush this out into the open.

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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Slight diversion

LD

May I offer my compliments on your itbg translations.Would you clear up a possible couple for me.

1)"chizzle me nizzle"

2)"How do you like Them apples"(biblical apple being fruit of evil?)

can there be any more threads like this one !?

Thanks napiernuts for your input and undoubted hard work despite bombardment ,it greatly helps our understanding.

Edited by ryde
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