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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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SPML/LMC anyone claimed for mis selling and unfair charges?


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Superslueth,

 

It is simply not a matter of prefering the law according to Suetonius.

 

The law according to Superslueth is different to the law according to Suetonius.

 

Both of you have posted great arguments. I am not interested in becoming involved in the pettiness of the personal squabbles between.

 

I am interested in the facts not who can beat their chest the loudest.

 

It does not really take an Einstein to figure out why you have a vested interest in Suetonius being being wrong.

 

I just want to learn as much as I can, just in case I can't clear my arrears next month !

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Hi Littledotty,

 

Re: the ITN reporter who put you in touch with another lady with the same issue as you and the subsequent email you received from her.

 

Excellent!...so now the ITN reporter knows that this issue is coming from many different sources and now we know that others are bringing forward this issue to court.

 

The lady is spot on where she says in her email that she asked the so-called "lender": therefore my mortgage was not transferred from Matlock Bank as it was already owned by SPML. If this is the case, then why is it SPML is registered as the proprietor of the property the date my contract started with Matlock bank. I also mention something about my mortgage was securitised and my understanding was that the SPV Eurosail was the legal owner of my mortgage and as such SPML do not have the right to repossess the property."

 

 

 

She is factually correct and it is the right question - obviously the question was too hard for the dope on the other end of the phone so he thinks she's "confused" because HE doesn't understand! The ladys DOES know what she's talking about, the problem is that the idiot on the other end of the phone is IGNORANT...probably blissfully ignorant.

 

Well now that ITN know that there is a real legal issue with this, have they said they will report is - or - are ITN having difficulty in understanding the issue too?

 

As for sadbuttrue, it's fine with me if you prefer the law according to Suetonius, you have, and must make your own decisions - BTW: are you currently fighting against a repossession claim yourself?

 

 

I'm expecting to be contacted by a reporter on another matter but I do know this reporter has expressed an interest in the secularization issue - the problem with many of the press I've come into contact with is the moment you start to explain the detail their eyes sort of glaze over & you know they ain't taking it in - basically they are looking for the sound bite & an argument that the man (or woman) on the Clapham Omnibus will understand - therefore I suggest we pick the bones from it in order they can at least understand the basics - that together with stories of human interest, evictions, lying lenders etc will be the best way to get the message out & possibly, when they stop bashing the politicians, the story onto the front pages where it belongs IMHO

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what's the reporter called Joncrisis?

Is it Chris Choi?

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE either SPML/PML/LMC/SPPL; the following are DIRECT tel#s, of the investigating & prosecuting organisations:

 

DO NOT 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) : tel#0207 637 6236  

http://petitions.number10.gov.uk/Subprimefees/#detail

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Dangermouse no not managed to find it on companies houses yet!!

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE either SPML/PML/LMC/SPPL; the following are DIRECT tel#s, of the investigating & prosecuting organisations:

 

DO NOT 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) : tel#0207 637 6236  

http://petitions.number10.gov.uk/Subprimefees/#detail

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Ive just been sent this aswell from my email friend

 

LMC registration no. 05673094 comes up as LMC ltd. Before it was - EBONYWAY ltd- date changed 02/05/06. The registration number for this is. 01281316.

 

When I looked at this number 01281316 this comapny is also registered - LANGERSAL No.3 (proposal to struck off). Also CANDA Int. date changed 08/05/02

 

01282366 - LMC Ltd was dissolved 25/02/1992

Matlock Bank Ltd is now Matlock London name changed 14/05/07 - No. 00603511

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE either SPML/PML/LMC/SPPL; the following are DIRECT tel#s, of the investigating & prosecuting organisations:

 

DO NOT 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) : tel#0207 637 6236  

http://petitions.number10.gov.uk/Subprimefees/#detail

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maybe you should direct the repoter to the forum if they have a keen interest.

 

I am still waiting for itn to get back to me,I know he has been busy lately.

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE either SPML/PML/LMC/SPPL; the following are DIRECT tel#s, of the investigating & prosecuting organisations:

 

DO NOT 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) : tel#0207 637 6236  

http://petitions.number10.gov.uk/Subprimefees/#detail

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OK WELL I AM going to try and put a little Journalistic type piece together which cystallises the issues for the man or woman on the bendy bus I''l start it and other peeps can chip.

 

REPO CHEATO! in the style of the mirror or the sun. We can other paper styles later.

 

THOUSANDS of repossessions against hard hit families may actually be UNLAWFUL because the original LENDERS no longer OWN the mortgage consumer groups claimed yesterday. And as the tide of repossession action grows in credit crunch Britain, thouands of families could be forced onto the streets because the lenders have been told to show no sympathy to borrowers in arrears. It is also claimed the lenders are trying to CASH IN by stripping the all the equity out of the repossessed homes.

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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SBT you refer to the Pender case as has sue. - As SS has explained Pender is NOT precedent it's a summary judgment. It was an action seeking to appeal against a refusal of the lower court to allow a very old CCJ to be set -aside - The court discussed the merits of the appeal in the context if the case was heard again did it have merit & the court thought perhaps not What the court DID NOT do was form a binding judgment - However as with Rankine lenders have used it successfully to bamboozle the LiP's & I must regrettably say also the courts

Edited by JonCris
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County courts are claiming that they are at breaking point in dealing with a surge of claims which have risen by almost 600% in the LAST FOUR MONTHS ALONE

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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Very few District Judges are making PROPER CHECKS to ensure the lender still owns the charge against the homes, and in many cases, homes are being repossessed for arrears less than TWO THOUSAND POUNDS

 

Hard pressed borrowers have also been claiming that the poor accounting standards, especially in the SUB PRIME MORTGAGE market may mean that the arrears are often exaggerated. If true this could be the biggest SCANDAL yet to emerge in the economic crisis

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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This is brilliant news especially from a national newspaper!!

 

This could be a turning point we all need!!

 

How did you get on today EIE?

Edited by littledotty27
add on

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE either SPML/PML/LMC/SPPL; the following are DIRECT tel#s, of the investigating & prosecuting organisations:

 

DO NOT 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) : tel#0207 637 6236  

http://petitions.number10.gov.uk/Subprimefees/#detail

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And if repossessions continue to soar local authorities are admitting that they will not have the cash to step in

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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No it's just me trying to grab some journo's attention in away that grabs!

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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:D oh right sorry crossed wires again!!

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE either SPML/PML/LMC/SPPL; the following are DIRECT tel#s, of the investigating & prosecuting organisations:

 

DO NOT 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) : tel#0207 637 6236  

http://petitions.number10.gov.uk/Subprimefees/#detail

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I only referred to it JonCris as I wanted to know who was right and who was wrong.

 

So Suetonius was wrong then, the 2003 case was not the application to appeal it was the 2005.

 

Thanks, that is all I wanted to know..

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Sadbuttrue,

 

Why do you keep asking who is right and who is wrong? YOU DECIDE FOR YOURSELF!

 

You have already indicated a preference for Suetonius' argument - so be happy with YOUR CHOICE.

 

There is NO answer to your question.

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Dangermouse no not managed to find it on companies houses yet!!

 

Did you find the trustee after you SAR'd your bank?

The trustee from my experience doesnt have any form 395's registered at companies, you need to find the spv in the trustee's prospectus

 

The spv will have the charges registered at companies house

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I am just saying sorry for every post I make at the moment. I have read your evidence to the treasury several times. I just wanted find out more. My Mother always used to say, if you don't know, ask

 

Thanks for the warm welcome. Way to elitest for me

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Sadbuttrue,

 

But you're not asking about the evidence to the treasury committee - you're asking about whether Suetonius or Supersleuth is right aren't you?...and you've already indicated that you've already decided that Suetonius is right - haven't you? So that's you answering your own queston.

 

If you have a different question about the treasury committee evidence then make your question clear....plus, you may want to ask that question on the correct thread, which is not this thread.

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DBT Understandably perhaps as a LiP you appear to be asking for guarantees, guarantees we can't give in fact the most qualified most respected lawyer in the land could NOT give you a guarantee when it comes to litigation.

 

The law is & always has been a moving feast what might be true today might not tomorrow.- For various reasons I'm not going to rehash here I support SS in fact during the various discussions I believe I have added to those arguments such as no loss no claim or unfair relationship etc.

 

Judges, particularly in the lower count courts have considerable discretion to interprete the arguments as they see fit & it's up to the litigants, unfairly in my view when the parties include a LiP, to make the best argument based as far as possible on settled law.

 

Therefore I hope this explanation helps you understand that what your asking is as SS has stated impossible to answer in a definitive way - I'm afraid much like the rest of us you pays your money & you takes your choice.:)

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Disapointed my tabloid style expose didn't get more hits. Should i write a more DAily Mail type rant. I can do that as well! Ooh and jus see the angle I take on that. You guys will think I'm More scarey!

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 it was good..how did you get on today EIE?

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE either SPML/PML/LMC/SPPL; the following are DIRECT tel#s, of the investigating & prosecuting organisations:

 

DO NOT 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) : tel#0207 637 6236  

http://petitions.number10.gov.uk/Subprimefees/#detail

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