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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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SPML/LMC anyone claimed for mis selling and unfair charges?


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Or in the case of the FSA they come up with a big fat zero...A shower of sh*t? Absolutely...

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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Sced

another 2 months to go by the look of it then,minimum.

RE authorisation I cannot find anything in the mortgage contract stating that capstone or anyone else is authorised to step into the lenders shoes and act for them can you? there is a bit about the right to assign but that is entirely seperate.

What infuriates me is that courts just accept this authorisation without demanding evidence of it even when the point is stressed and proof is demanded, because a solicitor presents the case,in fact capstone just assume the identity of the lender which in the case of sppl and lmc is a total impossibility.

I'm going to contact the feckin' FSA and ask them the reverse question;is their investigation into the 4 firms now over and have they all been exonerated ,might get a straight answer then.

Edited by ryde
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Im still waiting to hear back from Ernst & Young, not holding my breath though, aslo how long do FOS take to get back after a complaint has been filed?

If the SFO dont take up the investigation then perhaps notify the Met Police Fraud Squad at Holborn Police Station. I will post contact details when I get them!

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They were going down and the smart money knew it...

 

..isn't it also true that all UK based coffers were emptied prior to filing bankruptcy?

 

I still maintain the opinion that there will be a large number of accounts (secured loans) moved to SPML from LPL/SPPL, between late 2008 and early 2009.

 

What's the legality of contacting some of these LPL/SPPL customers?

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Sced

another 2 months to go by the look of it then,minimum.

RE authorisation I cannot find anything in the mortgage contract stating that capstone or anyone else is authorised to step into the lenders shoes and act for them can you? there is a bit about the right to assign but that is entirely seperate.

What infuriates me is that courts just accept this authorisation without demanding evidence of it even when the point is stressed and proof is demanded, because a solicitor presents the case,in fact capstone just assume the identity of the lender which in the case of sppl and lmc is a total impossibility.

 

No there is nothing in mine whatsoever and they still continue to refuse to provide any such evidence so I am in a stalemate situation and until they provide some form of authorisation they will not get another penny, court order or not. When in court the solicitor says they are acting on behalf of the lender but of course the instruction comes from Capstone.

 

My argument is that if the order is made in favour of the lender then it is the lender that should be paid. If it is the case that there is a third party administrator then either there should be notification of assignment or the court should make it part of the order that Capstone should be paid and if all goes wrong you can fall back on the court as making the error by not requesting the same evidence. Failing all that then as far as I am concerned the Lender is to be paid but they provide no means of being able to make such payments.

 

Capstone claim they do not communicate with the lender whatsoever and they have full control over the account and what happens with it So we just end up back with the assignment of administration issue. At the end of the day I dont think it is unreasonable to ask for written authorisation from the lender and in theory the courts shouldnt see this as an unreasonable request either.

 

Sced

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sced

Are they refusing to accept a cheque made out to your lender,you have every right to use the super can't give valid receipt excuse if this is the case,but I would inform the court of this fact and the fact that they will not show you their authorisation just to cover yourself,think you may have already done this?

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eie

 

As I understand it if accounts and balance sheets have been deliberately manipulated to conceal large sums of money from potential creditors as may well be the case this is clear evidence of fraud. I know an accountant ( Known him for years actually). Could someone post it all in one place so I can ask him to have a look? This might be quite revealing.

 

I can post these all here in pdf form its just a matter of trawling back through the posts,mainly sceds.

What needs to be done is a chart or diagram showing whats owed by each one to whom then the whole picture will emerge and as most have been done seperately and with luck on a company by company basis there might be some big revelations and something that cannot now be covered up.

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eie

 

As I understand it if accounts and balance sheets have been deliberately manipulated to conceal large sums of money from potential creditors as may well be the case this is clear evidence of fraud. I know an accountant ( Known him for years actually). Could someone post it all in one place so I can ask him to have a look? This might be quite revealing.

 

I can post these all here in pdf form its just a matter of trawling back through the posts,mainly sceds.

What needs to be done is a chart or diagram showing whats owed by each one to whom then the whole picture will emerge and as most have been done seperately and with luck on a company by company basis there might be some big revelations and something that cannot now be covered up.

 

I have all these on my computer so it will be easier for me to get them to save trawling through the posts.

 

I will upload them all to one post later today.

 

Sced

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sced

Are they refusing to accept a cheque made out to your lender,you have every right to use the super can't give valid receipt excuse if this is the case,but I would inform the court of this fact and the fact that they will not show you their authorisation just to cover yourself,think you may have already done this?

 

I dont have a personal cheque book i'm afraid so this is not an option. I have contacted the court to tell them but the clerk didn't seem overly interested and I assume they just put a note on the file.

 

Sced

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Has anybody with a LMC mortgage been contacted over Capstone taking over the administration of their mortgage in April?

 

I had letter today,is this where I can object at LR?

 

Dotty can you post the exact contents of the letter the wording is important.

Simply taking over the administration means collecting the money etc.It would have to actually be from lmc not capstone unless capstone produced a letter of authorisation direct from lmc(an impossibility as they have no directors).

LMC would still hold the legal title to your mortgage.

If it says that the legal title is being transferred thats an entirely different matter.

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Got your pm Dotty...Ta! The Eagle has Landed...

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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Dotty can you post the exact contents of the letter the wording is important.

Simply taking over the administration means collecting the money etc.It would have to actually be from lmc not capstone unless capstone produced a letter of authorisation direct from lmc(an impossibility as they have no directors).

LMC would still hold the legal title to your mortgage.

If it says that the legal title is being transferred thats an entirely different matter

 

I will post it up later as I am just on my way out.

There is one thing though,my charges for being in arrears will be going up dramatically to £115pm where as now the arrears fee is 42.50.

 

Got your pm Dotty...Ta! The Eagle has Landed

 

No probs EIE,the eagle has certainly landed ;)

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Absolutely! Get it copied and send it recorded delivery. Copy or photograph the payment stapled to the letter. They seem to lose payments but get the letters. They may claim the cheque is unsigned, payment wasn't sent or whatever else they can dream up.

 

The cheque was cashed as I checked my Bank Account!!!

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I received a letter today off capstone, it is stating that our payment on the 1st april will be increasing to £xxx.xx no mention of the libor rate increase infact it does not even state the libor rate at all..(old tricks die hard) in theory there is an overall increase if £1 something... Capstone are kindly informing us that we actually have a credit on our account of £12.xx. If we would like to use this against the april payment of £xxx.xx then we are invited to do so. Bearing in mind that we appeared in court in Feb 09, and have adhered to the payment arrangement agreed with the juge of cmp + £50 per month against the £6k + some arrears (mainly arising from crapstones ficticious charges and underhanded bullcrap) the arrears still stand at £6k + some. Why have they not used it against the arrears? (interestingly this credit has not shown up on any quarterly statements received either).

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 6231

__________________

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

 

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

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Dotty

from what it says it is administered for and on behalf of LMC so the legal charge will still be retained by LMC so no worries there at present.Will read through small print later,it will be interesting to see who signed the lmc headed paper.

We must get a plan together collectively to bring ITBG back from the wilderness.I think his head may have dropped.

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I received a letter today off capstone, it is stating that our payment on the 1st april will be increasing to £xxx.xx no mention of the libor rate increase infact it does not even state the libor rate at all..(old tricks die hard) in theory there is an overall increase if £1 something... Capstone are kindly informing us that we actually have a credit on our account of £12.xx. If we would like to use this against the april payment of £xxx.xx then we are invited to do so. Bearing in mind that we appeared in court in Feb 09, and have adhered to the payment arrangement agreed with the juge of cmp + £50 per month against the £6k + some arrears (mainly arising from crapstones ficticious charges and underhanded bullcrap) the arrears still stand at £6k + some. Why have they not used it against the arrears? (interestingly this credit has not shown up on any quarterly statements received either).

 

Isnt it strange that they write to tell you that the rate is going UP?, but when it goes DOWN we have to ring to find out what the new payment is!.:evil:

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HAVE YOU ALL NOTICED SINCE THE INCIDENTS ON THIS SITE OF APPROXIMATELY A WEEK AGO AND THE CENSURE OF VARIOUS MEMBERS THE JAWs ARE NOW ATTEMPTING TO RAPIDLY PUT THEIR HOUSE IN ORDER ,NEW DIRECTORS AFTER 5 MONTHS, LETTERS FROM LMC AUTHORISING CAPSTONE AS ADMIN.

THERE ARE STILL THEIR ACCOUNTS HOWEVER WHICH THEY CANNOT CHANGE OR PUT IN ORDER,THATS WHERE THE CONCENTRATION IS NOW FULLY REQUIRED.

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Sced

another 2 months to go by the look of it then,minimum.

RE authorisation I cannot find anything in the mortgage contract stating that capstone or anyone else is authorised to step into the lenders shoes and act for them can you? there is a bit about the right to assign but that is entirely seperate.

What infuriates me is that courts just accept this authorisation without demanding evidence of it even when the point is stressed and proof is demanded, because a solicitor presents the case,in fact capstone just assume the identity of the lender which in the case of sppl and lmc is a total impossibility.

I'm going to contact the feckin' FSA and ask them the reverse question;is their investigation into the 4 firms now over and have they all been exonerated ,might get a straight answer then.

 

It's stated that Capstone will administer..they can't hold money but have the power to act on their clients behalf. It's accepted that will be allowed to continue to do so until......The FSA are still keeping stum. I think even they didn't realised what was under the surface.

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It's stated that Capstone will administer..they can't hold money but have the power to act on their clients behalf. It's accepted that will be allowed to continue to do so until......The FSA are still keeping stum. I think even they didn't realised what was under the surface.

 

Its definately not stated that Capstone will administer. My mortgage was taken out when PML still administered their own mortgages.

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Hi All, Advice please should I talk to my solicitor

I have received yesterday a letter from London Mortgage Company telling me as from around the 10th April 2010 my mortgage will be serviced in the future by Capstone Mortgage Services Limited. Very strange it says should I have an queries relating to the ongoing servicing call the LMC Customer services teams ot collections teams who will be available. However if I have any questions concerneing the communication sent I should call Capstone Customer Service who will be happy to asssit. A full list of charges for my account have been supplied on LMC headed paper with the Gloucester address on. The info states that Capstone will hold my mortgage deeds for and on the behalf of my lender. It also tells me that my mortgage payments and interest rates will be set and applied in accordance with my Mortgage Offer and the terms and conditions of my mortgage. Has this happened to others on this thread, perhaps if your reading Littledotty, I am wondering why it's only just been sent to me when I think alot of you have already have management by this company

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It now seems quite apparent that the JAWs(lenders) are putting their house in order or at least attempting to.

The above letters although questionable as to authorisation as lmc have no employees are evidence of this.

It is my belief that the FSA having fined gmac as some token and example to the pressure against their own inertia intend to do little if anything else.

Their supposed invesigation should have been concluded in December,we are now in March.What exactly have they got to investigate??

The scale of capstones arrears charges levied is a published document.

All that is required is a comparison with industry acceptable standards and the gmac findings as a precedent,how long does that take , a week at most.

If their charges are above those of gmac and added to existing arrears they should be penalised on the same scale at the very least.

These new notifications are an indication to me that capstone may well have escaped any penalties and the intention is for the whole affair to be quietly brushed under the carpet.

I THINK THE ONLY WAY WE CAN GET ANY JUSTICE IF THIS IS INDEED THE CASE IS TO INVOLVE THE RELEVANT MPS.WHO CAN BE CONTACTED EASILY BY EMAIL.theyre the only ones with enough clout to force the FSA to do something.

Comments?Thoughts?

Edited by ryde
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