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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   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;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      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.

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


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Hi dotty

 

You may remember this from Midge on the first page of this thread...sorry to bear bad news but I think it most unlikely...

 

I think this will answer your question dangermouse.

 

It is from an article in todays Times

 

Louise Cuming, the head of mortgages at moneysupermarket.com, the comparison website, said: “The list of criteria that must be fulfilled before borrowers are even considered means that few will qualify and even fewer will actually be granted assistance due to the fact it is voluntary on behalf of the lenders, who have only signed up ‘in principle'.”

It is also estimated that sub-prime lenders, who are considered to be responsible for approximately half of all repossessions, will not join the scheme.

Ray Boulger, of the mortgage broker John Charcol, said: “Sub-prime lenders will certainly not be signing up to this deal. This scheme has all the hallmarks of a plan that has been cobbled together at the last minute

 

Mortgage scheme rules likely to limit householders' help

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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After complaining to FOS about SPML charges funally got a letter from them today. they are going top let SPML know about tye complaint and give them 8 weks to reply!! I have already told them that SPML wont refund the charges, but apparantly i have to have in writing from SPML that their final respnse is No and referring me to the FOA. No wonder the FOS are slow at doing anything!!

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Dotty

Am Positive I Have Seen On Another Thread That Once An Arrangement Is Made You Don't Pay Arrears Fees It Would Be Self Defeating To The Arrangement. And I Am Sure It Was Fsa Endorsed.will Investigate Further.

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The letter I posted up at the weekend under questions & answers,even states that when in an arrangement,you don't pay the fees,we have been in an arrangement for nearly 3 years now & are still paying them.

 

Our arrears have gone up £7k in the last 18 months,not down,all due to fees.

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Hi littledotty,

 

I queried my charges of £115 per month with capstone and i explained that i am paying £50 towards my arrears each month. Obviously though they are not going down actually going up £65 because of this charge. They were not bothered to say the least and said that once the judge reset the arrangement in court next week the charges would stop provided i stuck to the arrangement. Its crazy all because i missed 2 payments in the last 13 months and had very good reasons for this.

 

They stink beyond belief !!!!!!!!!!!!!!!!!!!!!!!!!!!!

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Hi littledotty,

 

I queried my charges of £115 per month with capstone and i explained that i am paying £50 towards my arrears each month. Obviously though they are not going down actually going up £65 because of this charge. They were not bothered to say the least and said that once the judge reset the arrangement in court next week the charges would stop provided i stuck to the arrangement. Its crazy all because i missed 2 payments in the last 13 months and had very good reasons for this.

 

They stink beyond belief !!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

Then challenge them:mad:

 

A nice letter headed COMPLAINT, stating your complaint, asking for an explanation and demanding that the outrageous charges are dropped.

 

You can do it:-)

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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dotty post was here,may be applicable to you

 

*The FSA included a ban on arrears charges when a borrower is already repaying, And ensuring firms do not profit from people in arrears among its reform of the mortgage market.

 

*The City watchdog said GMAC, which was an offshoot of car group general motors, had been guilty of "Serious Failings" including;

 

a.Excessive and Unfair charges for customers that did not reflect administration costs.

 

b.Issuing Repossession Proceedings before fully considering the alternatives.

 

The FSA said the case set a precedent because it concluded the investigation in a matter of weeks

 

I now believe that the "FSA or OFT" decided that all agreements, even those before 2006 are subject to Unfair contract , terms and conditions, even if it is an unregulated agreement.

 

The removal of al financial limits to regulation under CCA since 6th April 2008 has rendered obsolete the perceived (but illusory) threat of aggregation in order to avoid regulation.

Last edited by michellej; 27th December 2009 at 11:02.

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DOTTY

THINK THIS MAY APPLY OTHERWISE HAVE A LOOK AT THE THREAD ITS ONLY A SHORT ONE.

icon1.gif Re: unegulated secured second charges !now covered by CCA 2006? (this is the thread)

Unfair relationships - The Office of Fair Trading

 

The provisions were introduced by the Consumer Credit Act 2006. They applied to new agreements from 6 April 2007, and to pre-existing agreements from 6 April 2008.

 

 

THIS WAS POSTED BY SUE.

 

I CANNOT SEE THAT ONCE YOU ENTER INTO AN AGREEMENT YOU HAVE TO CONTINUOSLY PAY AN ARREARS FEE ON TOP OF THIS.

IF THE ABOVE DOESN'T APPLY THERE MUST BE SOMEONE HERE WHO CAN SHED LIGHT ON THIS.

IF NOT WILL GOOGLE UP THE ANSWER LATER TONIGHT.

Edited by ryde
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Hi Ryde

 

you are absolutely right that they shouldn't. But when has shouldn't ever been good enough. You can bet with certainty your last that they do AND don't just have one category of arrears charge. They have at least THREE:

 

1. Arrears management fee (£50)

2. Arrears interest (variable) but say anywhere between £10 and £50 per month depending on the level of arrears it could even touch £100 and by virtue of the fact that most people in arrears are also at various stages if litigation a whopping...

3. Litigation management fee £115 per month.

 

No wonder agreed overpayments NEVER REDUCE the alleged arrears. What a [problem] and all right under the regulator's nose. IT's A FECKIN' SCANDAL.

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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I think im going to try & get this back in court,im paying over a grand a month & these arrears are definately not budging!!

 

What about setting up a petition? If everyone is involved & has some sort of involvement with spml/lmc/capstone etc,send it to their local mp's,fsa,TSC etc,surely something MUST be done.

 

What do you think?

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Im the same I have about £10G of charges if these were refunded I wouyld be able to reduce the arrears figure by £20G because SPML are continuing to show these charges as arrears. You cannot get a straight answer from them. By the way what happened to Imthebadguy & martdj

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They state that they MAY waive the litigation management fee " where a performing arrangement is in place." however no arrangement with them will ever perform because they skew the whole exercise by diverting the over payments GOD knows where and then slap on charges for wait for it... YOUR breach. Hypocrites liars and thieves the bloody lot of them. The only definition of philanthropy that these utter [problem] merchants recognise is filling THEIR trouser pockets with YOUR hard earned cash and ultimately YOUR EQUITY. Nothing better fits the definition of scandalous than this. I'll get the ITBG treatment if I say what I really think.

 

Still seething...

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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They state that they MAY waive the litigation management fee " where a performing arrangement is in place." however no arrangement with them will ever perform because they skew the whole exercise by diverting the over payments GOD knows where and then slap on charges for wait for it... YOUR breach. Hypocrites liars and thieves the bloody lot of them. The only definition of philanthropy that these utter [problem] merchants recognise is filling THEIR trouser pockets with YOUR hard earned cash and ultimately YOUR EQUITY. Nothing better fits the definition of scandalous than this. I'll get the ITBG treatment if I say what I really think.

 

Still seething...

 

I think the mods on this site will explode if you go any further. From what i have read they appear to have been threatened by the likes of SPMl. It would appear that this site is not the consumer action Group and should be renamed consumerinactionduetoadmin&modsnmothavinganybottle.com.there are people who have contributed to this site with useful information who are being prevented from proper posting by the admin & mods. What was the Magna Carta all about! It really upsets me that a forum where we should be able to discuss everthing is being infiltrated by the very people we are complaining about perhaps there should be a forum for registered members only. In fact CAG should be able to trace guests through their IP addresses so we can find out who is accessing this forum. I may be a new member to this site but I have plenty of friends who are well established members adn have kept me abreast of the shananigans on this forum. WE AR OBVOIUSLY HITTING A NERVE SOMEWHERE!

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Ok I accept SOME of what you say but a double post attacking the mods direct won't help anyone. The mods hopefully know where I and others are coming from and will cut us some slack with the odd private warning. This is probably par on this thread because the issues are so fundamental and the abuse we receive scandalous. Most of us don't even have the option of challenging this in court because you could end up being repoed. So yes please voice your opinions and say what you feel is right but you may have a short cag career if you go too far too frequently.

 

Respect and welcome to the thread.

 

Edit: Just to clarify a breach of site rules is obviously not more acceptable on one thread than it is on any other. But I still stand by the claim that this is THE issue on the forums...and therefore regrettably emotions sometimes run high...hope that clarifies.

Edited by enoughisenough
Explanatory note...

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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Does Anyone Know How To Find Gwens Last Posts She Had A Similar Argument To Uneverdid On The Other Thread And Managed To Beat The Suspended Repo With Her Case,time Running Short And Have Trawled Through This For Half An Hour And Cannot Find It.

Help Much Appreciated.

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Hi Ryde

 

Try this...

 

Posts in chronological order starting with most recent progressing through backwards...

 

http://www.consumeractiongroup.co.uk/forum/search.php?searchid=3294145

 

Good luck...have to attend to other things now...

 

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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I thought people here might be interested in this post from my thread about trying to get a class action going.

 

Quick update which should interest you all.

 

Today, I filed an official complaint with the Financial ombudsman's office about me being mis-sold a mortgage three years ago by SPML, and more particularly the broker, who was a subsidiary company of the credit card people, Capital One. I will describe details of this mis-selling later, when I have more time. It would appear to be a very strong case; we'll see.

 

This is how fighting back against these dishonest lenders works.

 

- You could choose to spend huge amounts of money employing a lawyer to take a lender or broker to court (or be part of a class action, which will still cost all that money which has to be found from somewhere).

 

- it appears no one will get legal aid because in the very own words of the CAB person I saw today 'The Government have destroyed the legal aid system. Even we at the CAB really struggle to find a legal aid lawyer to use'.

 

Lawyers no longer want to do any legal aid work as the Government refuses to pay them properly. So, legal aid is completely withering away.

 

 

- BUT There is a different and much, much easier route, and I really would like you all to pay attention carefully.

 

If you believe you have a case for mis-selling or similar - any appropriate case of complaint against either a lender or broker, what you do is this.

 

- First of all you write a letter of complaint, setting out the nature of your complaint, to the lender or broker and ask them to respond back.

 

- if there is no response (most likely) or you are not satisfied with the response (which is most likely to just be a fob off if you do get any response at all) then you telephone the Financial ombudsman, or write setting out the nature of the complaint you have against the broker or lender.

 

The Ombudsman will then liaise with you in a totally non-legal and informal manner to obtain as much information as is necessary for the Ombudsman to investigate your side of the story.

 

It is less onerous in terms of providing the sort of cast iron evidence needed for a court. In short, it is a much easier process to build a case, it would seem. But I'm sure there is a down side of one sort or another.

 

The Ombudsman will also investigate the lender's or broker's side of the story and weigh the balance of probability to decide whether a broker or lender has 'ripped you off' in some way or otherwise misbehaved.

 

- If the Ombudsman decides your complaint is correct and you are right and finds in your favour, the Ombudsman then considers any losses you have incurred, including losses for damages such as stress etc as well as money losses from the lending process and rip off penalty fees and Early Redemption penalties etc.

 

- The Ombudsman then arrives at a figure and tells the lender or broker who has acted wrongly to pay you what the Ombudsman tells them to pay you up to the maximum figure of £100 000 per separate complaint. So three separate complaints about three sub-prime mortgages in a row could mean you get £300 000. £100 000 for each mortgage complained successfully about.

 

There is no problem about extracting the money because the law says that any decision by the Ombudsman telling a financial organisation to cough up to right a wrong the Ombudsman thinks they have committed, is binding in law and the financial organisation has no choice but the pay up or be put out of business. The Ombudsmanis a compensation service to compensate people wronged by financial organisations. That's their own words.

 

So, when I asked everyone to write down their mortgage experiences, this is what that is for. If you don't write down those mortgage experiences, then it will not be possible to pick out of the narrative what points of law to complain to the Ombudsman about.

 

What we now need to do is to list all the common mistakes brokers and lenders make which leaves them open to complaints of mis-selling and other types of complaint.

 

We need to list all those causes and examples of mis-selling etc.

 

It will be helpful if we all have access to reading other people's stories to see examples of where mis-selling has taken place and is upheld by the Ombudsman. As I said previously, there should be no problem about anyone writing up their stories, because they should be completely anonymised - easy enough to do.

 

Here is a link to an article in the Observer Newspaper dated March 22nd 2009 which gives a few clues. It is a bit vague though, and I am sure we can come up with some very coherent examples of what to make a complaint about to make it successful.

 

This is where I do need a bit of help from other people to do a bit of the work to make this thread work and help what I hope will be an increasing number of people to make good solid complaints to the Financial ombudsman and the OFT and to MP.s.

 

If loads of people do this, then we will, absolutely, get those lenders and brokers on the run, believe me. And the Ombudsman can kill them with a thousand cuts with orders to pay compensation to their victims.

 

But none of this will happen if people can't be bothered to pull their fingers out and do something about it instead of just endlessly whinging on forums.

 

Some one here described trying to persuade people to take action against the lenders as like trying to push water uphill. It is beginning to seem like that to me.

 

If we continue to be completely apathetic and do nothing, then those lenders will continue to get away with stealing off us all and throwing more and more families out onto the streets to be homeless.

 

At present I am due to be evicted next Monday March 15 (subject to my appeal to a court to suspend).

 

I caught flu fourteen days ago - the real thing - temperature 103, bedridden for seven days and delirious with the beginning of kidney failure. The doctor visiting me at home wanted me in hospital. It takes weeks to recover from flu and in that time victims are liable to get pneumonia etc and die of complications. I am as weak as a baby at present and every time I try and galivant around I get more ill immediately. If I don’t just slob around spending most of my time in bed or generally doing nothing I will just be inviting all the potential disasters flu can bring. It kills more healthy people than any other cause, including World War one and two etc. Flu is nasty.

 

Now my eleven year old son appears to be getting it. He is certainly very ill.

 

None of this means a thing to these poisonous lenders and a conversation I had with the lender ( which I taped) a few days ago made it plain they could not care less about any kind of negotiation, mitigation or mutual co-operation about eviction. They said they couldn't care less if my son and me are chucked out on the streets with flu even though it would cost them nothing to delay an eviction.

 

I also been told by people like the CAB that the court is unlikely to be interested in things like that either. The whole system is violent and vicious quite beyond my comprehension.

 

Also, I would just like to flag up the real trauma buried in an eviction for people like me. I have absolutely no money and my previous social life and friendships have been totally destroyed by both the actions of a divorce and then me looking after a schizophrenic partner for over a decade and being left a lone parent etc.

 

For complicated reasons, I have no meaningful family ties and certain have no family at all to help me in any way whatever - whether to put me and my son up on a sofa for a while or even just to give us emotional support of any kind.

 

We are absolutely on our own.

 

What this now means is that should there be an eviction, we are given about two weeks to remove all my possessions from our home.

 

I cannot do this because I have nowhere to put them and no money to pay for their removal or storage.

 

This, in turn, means that we will lose everything we possess. All the things I need to function; kitchen equipment and all other domestic items will go, probably to be looted. I've seen that happen to others and even part experienced it when my schizophrenic partner lost everything in her housing association flat; and lots of those things were either mine or things I had bought her to furnish her flat.

 

If I remain unemployed etc, as most people of my age inevitably would, then I would never, ever be able to replace anything on the £100 or so a week that remains as my income. That is a sum which makes it impossible to make ends meet on a day to day basis anyway , let alone build up a home from nothing !

 

I will simply be completely unable to meaningfully function as I will possess nothing at all.

 

 

My son and I will be refugees in our own country, but with less advantages than the destitute foreign refugees from other countries who arrive here to be instantly housed etc. That won’t happen to us. My local council has already made that clear.

 

There is simply absolutely no question whatever of there being any surplus money from that sort of income to buy any capital item. i.e another washing machine, dishwasher, humble iron even, clothes - anything at all except a few second hand rages from charity shops.

 

Not only is it about being made homeless, but it is about having everything you own being stolen and looted at the behest of the lender and his agents who are the most likely people to help themselves to your possessions. It may even be the lender auctioning off your possessions in an effort to recover even more money the lender may claim is owed by you to them.

 

So, there you have it. that is the reality of what these wicked lenders actually do to people.

 

In the words of someone who was evicted ‘ your life just comes to an end’.

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Rocket have pmd you.

 

Will put my thinking cap on...!

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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Rocket

What grounds have you applied to the court on for suspension of your eviction?

If you haven't already, it may be prudent to state that the FOS is in receipt of and considering an official complaint from you with reference that you were missold your mortgage as no consideration amongst other things was given to the fact that your mortgage would run well into retirement and there would not be sufficient income consequently to cover repayments.

You would respectfully request that the court suspend the eviction pending the ombudsmans findings.

RE YOUR EVICTION DILEMMA the council is under a legal obligation to rehome you,

I WOULD HAVE THOUGHT YOU WOULD BE ABLE TO GET A CRISIS LOAN TO PUT YOUR POSSESSIONS INTO STORAGE UNTIL YOU ARE SORTED OUT.YOU NEED TO SORT THIS OUT WITH THE CAB AND THE SITE TEAM,SHELTER ETC.

Anyway this may not be relevant if the eviction is suspended,but why you haven't contacted Ell-enn I don't honestly understand with the predicament you feel you will be faced with.You must get the procedures right,she can offer a wealth of experience on most aspects of this.

Edited by ryde
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Rocket I am sure these guys on here can help re your court situation. In view of the immediacy of your situation I think you should have a fall back strategy in place for your sons and your own immediate needs. It is possible Shelter could provide some assistance in this and they could be worth contacting Shelter England - The housing and homelessness charity

When under stress our immune systems are badly affected and its little wonder both you and your lad have been so ill. The guys on this site are awesome and we are all rooting for you.

G

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eie/zill

thanks for help found info.

gallahad whats the rumour the bad guy started that you have 5 buy to lets before his red card, as might be looking for somewhere myself soon the way things are going!! any vacanies coming up, mind you not too good a credit history here but always pay in the end!!:grin:

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eie/zill

thanks for help found info.

gallahad whats the rumour the bad guy started that you have 5 buy to lets before his red card, as might be looking for somewhere myself soon the way things are going!! any vacanies coming up, mind you not too good a credit history here but always pay in the end!!:grin:

 

Rumours are too easily started on here and do little to assist anyone

G

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