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    • I've used payslip, passport, driving licence, still can't identify me, everything is upto date address etc, 1 attempt left then it blocks me H
    • Thanks for the replies and sorry, as it seems I haven't communicated my question clearly. I'm not after advice about how to deal with the situation I'm in. I'm on top of that and sent a SAR to Scottish Widows the day before I sent one to the FOS. My query was around the FOS interpretation of personal data and the extent of their obligations under GDPR, hence the original title They have said that "personal data is defined as any information relating to an [...] identifiable natural person (‘data subject’)" They then define an identifiable natural person as "one who can be identified, directly or indirectly, in particular by reference to an identifier such as [...] an identification number. My view is that I have a complaint reference number, which identifies a complaint raised by me about the administration of my pension so it therefore indirectly identifies me If I'm right, then I believe that all the data related to my complaint is personal data about me, including the screen shot that purportedly establishes that I received my statements. I was hoping there might be someone with better knowledge of GDPR that can clarify whether I'm right or wrong before I react to the FOS's failure to disclose  
    • Please bear with me here i shall try and make this short but with all the detail, but i need help ASAP as there is limited time allowed for this process. I have been with my company 4 years and have advanced through the technical ranks to my current position,  we have an annual report which goes from 0-4 and for three years i have never scored lower than a 3. I was promoted to the role i am in now as an area quality assurance lead and the location was for the NE ( i live in the NW) eventually a similar role became available for another role in the NW. I asked my line manager if he minded me applying for it and he had no issues, i applied sat the multi stage interview and was given the role. My role is now classed as "at risk" of redundancy as we are moving from 4 regions to two which means they are also moving from 4 roles to two roles in my position. Two people are considered safe and myself and another at risk, my question is what is the criteria to separate safe from at risk . In the documentation received from my company it is below, i have zero issues and i know cv against cv mine wins, i was even selected by the company as a company mentor because of my experience in engineering and leadership. This is a closed group of maybe ten people and i am the only non senior executive included.    ·         Performance and Behaviour : I have zero behaviour issues, no issues with performance from my current line manager.  ·         Performance Improvement/ Disciplinary Records   : Zero disciplinary's and no performance issues, in fact my line manager on record has said I'm forthcoming ·         End Of Year Rating : Issues explained below Now my line manager was leaving the company and he did tell me "there was some politics involved with you getting that role, the city build manager and head of area build had promised it to their lead engineer (something they had no right to promise as it has to go though the process ) anyway from day 1 it became very clear that i would not be accepted for this reason within their community although i did just try to help them achieve quality and specification as that was my role. After a few weeks it became very apparent as to why the role had been promised to their man, i found issues where properties had been signed off as ready to accept subscribers when they were not ready (for bonus and stat reasons) and several quality issues i discovered which we could remedy and improve our productivity (unfortunately this would highlight that these issues had been there and not dealt with) My new head of area build (part of this trilogy of him, city build manager and lead engineer)  clearly did not want me there (for the reasons stated) but paid lip service, i had highlighted that i needed to walk off some structured with our canter of excellence counterparts ( as this was part of my role to link in with them for national issues) and he responded by saying i am not to walk them off, and that we have sufficient engineers to do that task (by saying this he could make sure that the engineers would take them round to structures that are A not the ones i have highlighted, and B would have very minor issues) This battle went back and forth over the months where i tried my best to build up the relationship with  them, my attitude was ok you have made some mistakes here, but we are all a team and even though you have hidden issues i can help you remedy them and hopefully we can do so and keep them off the radar,  but they just never did, So moving forward to October last year (2023) this is getting near to annual review time, now i had helped the company out massively by working a substantial amount of weekends and nights to fix issues, and i said i would take most of the time as TOIL ( as agreed with by my previous head of area build) this was 30 days. My current head of area build said i needed to put my leave in as it had been flagged as having a large amount. When i did input the leave (it would result in me taking all of December off) he was unhappy with me and was extremely curt in his responses as he could find nothing on the system for my TOIL , i explained the situation, my line manager would ask if i could work the hours, i would, and when i wanted leave he would authorise (we had an good working relationship, he was an excellent manager) he ended up going to HR to ask their advice and a teams call was set up with myself, head of area build and HR, it was confirmed by HR that it was a company error, when you want to input TOIL there should be a dropdown option in the leave menu and one of the options would be TOIL, this had not been setup on mine. So the company authorised the leave explaining that this should have been done and hadn't, i did say that this is the way it had always been and pretty much everyone on my team then operated this way, TOIL had never been discussed and none of had this option available. So i entered my leave from 4th December - 2nd January,  My line manager was an outside contractor and was leaving the company on the 15th December. On my return i found that we had a new head of area build, it would be a temporary position as they were not going to fill the position permanently and he would be covering his role (Scotland) and this role (NW). I contacted him to say that i had not received my end of year report yet and when would this happen as i had not sat with my line manager tor mine. A little over a week later my HoAB and i had a teams call, it was a introduction meeting and end of year report, he said that he had received feedback from the outgoing manager and he had given me a 2 (i have as explained before never scored lower than a 3) he asked hoe long i had been in the current role (just over a year) as this grade can mean you are new to the role and need a little supervision, haven't built up relationships with stakeholders etc. So he explained what my grade and bonus would be and if i had any feedback, i explained that this was unfair, i had proof that i had not met my targets (i say targets as there were never really any set, but going from emails and conversation we have had, and the job description) i had even created Powerpoint presentations which were very complex into how our network works from beginning to end  as there was distinct lack of knowledge here and i am a lead trainer / assessor (this btw he was extremely impressed with) He did say he had spoken to people in the centre of excellence which o believe was the head of operations, and he did look confused as to the disparity in feedback from them and the original manager that wrote my report. I contacted HR to raising my concerns that i had not sat with my line manager to go through my report,  had i had the chance to do so, i could have rebutted anything said as i had proof of my achievements even though he had set no defined targets, i could prove that i had been extremely active in identifying and remedying issues, HR did come back to me and these are their comments  1) "Your rating was submitted by your manager at the time xxx xxxxxx and he should have carried out an EOY review with you. The rating would not have been provided in this review but feedback should have been shared" [this never happened] 2)  Initial ratings where then discussed and reviewed during a calibration process (for your team) this will have included HOABs and RDs. During this session ratings can be challenged and changed. I can confirm that your rating was not changed as a result of this session and it remained at the rating that xxx submitted. 3) xxx did provide thorough feedback to xxx xxx in a handover so if not already done so it may be worth speaking with him to understand that feedback further.   4) In terms of reputation and the concern you share – ratings are not made public and are private to each individual. 5) And this first line obviously is incorrect " As far as i can see this would be the only separator they could have measured me on to separate safe from not safe, and if so the company did not follow its own procedure. My current line manager said " an error had occurred as you had not received the option to  sir with your manager for your review, and the company needs to make sure this error does not happen again) Well then they are admitting there was an issue and it needs remedying not sweeping under the carpet. All of this is documented. To remind the rating of a 2 is not a concerning grade. Please see descriptor below Generally, needs little supervision but does on occasion require direction/supervision. Does not always anticipate changes to the work environment and could adapt more quickly. May be seen as a strong performer in certain situations or by some audiences but may not perform at that level in all situations. May need some development or guidance to carry out some elements of role. May not consistently demonstrate the right behaviours. May have been on Performance Improvement during the year but has since shown strong improvement        
    • Also, what is the value of the dress and have you refunded the purchaser?
    • Simon Case was at the Covid inquiry yesterday. Finally. ‘Eat out to help out’ launched without telling official in charge, Covid inquiry hears | Covid inquiry | The Guardian WWW.THEGUARDIAN.COM Simon Case, who was responsible for Covid policy at time, calls Boris Johnson’s Downing Street the ‘worst governing ever seen’  
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SPML/LMC anyone claimed for mis selling and unfair charges?


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..so midge61, let me get this right:

 

Capstone can't help, because there 'just administrators';

SPML can't help, because its 'corpsed' with 1 employee, being prosecuted;

SPV can't help, because it is unauthorised and 'does not exist';

 

 

don't get what the problem is good buddy?

 

thankyou Mr G-man, that clears it all up then. nice one!

 

 

 

 

 

ITGG!

1-eighty-7

in progress

Edited by I'm the bad guy?

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6236

 

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

 

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

 

SHUT'EM DOWN!!!!> SPML/PML/LMC/SPPL

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4.16 The proposed definition of managing a regulated mortgage contract is not intended to bring into the scope of regulation firms that own or hold a regulated mortgage contract but do not carry out any activity that is material to the borrower. Special purpose vehicles (SPVs) and

other vehicles used in securitisation, for example, may own or hold regulated mortgage contracts but have no role in any decision-making process which affects borrowers. Decisionmaking powers are delegated by these bodies to a mortgage third party, for example the originating mortgage lender. The Government considers that arrangements of this type should be allowed to continue, and in such arrangements, authorisation will be required by the firm that has the ability to make decisions that will materially affect the borrower, and not by the firm that owns or holds the mortgage. In cases where the firm that owns or holds the mortgage instructs or directs the firm with the ability to make decisions to act in a certain way, this firm will require authorisation.

Originally posted by itbg

 

We all know this is absolute boll...cks you only have to look at the prospectus to see capstones role and the role played by the spv, once the originator has sold the loan on they play no further role, it quite clearly states this,you've even got the noteholders being shown around capstone to show them what a good job the sh...hs are doing and reporting to the spv in the notices to noteholders.SPML play no role whatsoever other than to hook the borrower into the mortgage.

kill the filthly dirty **** all of 'em.....no quarter asked ,no quarter given.

Edited by ryde
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...'may own' - owner of the legal title

...'or hold' - equitable owner

regulated mortgage contracts.

 

Well it's only taken a year for them to figure that one out. Sorry wrong thread

 

 

 

 

ITBG?

in Super

i trusted

Edited by I'm the bad guy?

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6236

 

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

 

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

 

SHUT'EM DOWN!!!!> SPML/PML/LMC/SPPL

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To the original poster...

Hi,

this might be a bit late now, but my wife and I had our house repossesed over 18 months ago (we had a mortgage with SMPL which was then transferred to Capstone) due to my wife and myself losing our Jobs.

 

We heard nothing from Capstone regarding the sale of our house, despite giving them a forwarding address (and them stating in court that they would seek a monetary order for any shortfall). Last week we received a threating letter from a debt collection agency acting on behalf of SPML/Capstone demanding over £17k within seven days, or they would send in an agent to seize goods. As my wife is still not working there is no way we have that amount of money to pay out. To date we have never received any correspondence from SPML/Capstone so we are totally in the dark for how much the previous property was sold for or whether there is any shortfall. (I'd have thought that at the least they would be obliged to send us a statement)...Any help in this matter would be really appreciated as wife suffers from severe depression and this is really worrying us both.

 

P:S your more than welcome to use our example if you wish

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tgrs1963,

 

make sure you contact Ell-enn on the possession page also,

 

these caggers need helping fast, shout out to the VETS to stop this action...

 

this looks a real bad one, could someone PM them with more help

 

 

ITBG?

Edited by I'm the bad guy?

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6236

 

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

 

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

 

SHUT'EM DOWN!!!!> SPML/PML/LMC/SPPL

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tiggers1963

Have you received any court order to this effect ie a monetary order ?re the shortfall , they cannot seize anything without a court order.Did you give a forwarding address to the court?

.What are your circumstances currently ie assets,accomodation,income,car etc you need to get prepared now cos if they haven't got a court order they may well apply for one.The other possibility is they may have sold the debt on if youre being chased by an outside agency but without a court order they are as far as I know bug.....d.

Please do as itbg recommends and let us know what is happening.Seriously consider going bust if you own nothing as you do 1 year and thats it and the vultures can whistle in the wind.

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In cases where the firm that owns or holds the mortgage instructs or directs the firm with the ability to make decisions to act in a certain way, this firm will require authorisation.

Originally posted by itbg

 

Whats the bloody Mortgage/cash bond administrator agreement between the issuer eurosail and capstone all about then? absolute proof who's giving the orders no wonder they won't produce it, the b.....s.

 

medieval torture to 'em all before death ,bring back the inquisition ,the dark ages are upon us once more.

 

WE HAVE NO OPTION...NO CHOICES LEFT.

UNLEASH OUR SECRET WEAPON ON THE PARASITES............

 

KEGI (or f®iend?) IN KILT

 

The Medusa of cagworld!!

 

GO GET 'EM BOY !!!!!!

n524377402_142337_9066.jpg

:eek:NOW THAT IS FECKING FRIGHTENING!!!!!:eek:

 

JUST DISCOVERED HE/SHE IS EITHER ONE OF THEM SHAPESH*TTERS OR DR JEKYLL AND MRS HYDE.

 

LOOK!!!!!!!!!!!!!!!!!!:-x

n524377402_142336_8733.jpg

HAD A BLOODY LUCKY ESCAPE HE/SHE ASKED ME FOR A DATE!!!!:D

I ASK YOU,.... WHAT CHANCE HAVE THE SCUMMERS GOT???:(

 

no offence intended kegi, bit of light relief hope you see the joke:-D

Still on for the date, bit worried who may turn up though!

and what they might be on or wearing.

Edited by ryde
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Ryde, cheers

 

they got Ell-enn on it

 

 

yeah! time to git med-evil on 'em ass!!!!!

 

 

 

ITBG?

represent

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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SAW400'n'thensome

 

or

 

HOSTEL'CapstoneEuroTour'

 

or

 

HELLRAISER'SPMLHELL'

 

or

 

EVILDEAD'DieJACKALSDie'

 

or

 

.....

 

 

 

 

 

 

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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Thanks EIE..duly noted...:) I wonder how the weather is in Florida?

 

As for bustthematrix.

 

'Dodgy borrowers' and 'hard done by'.

 

Speak for yourself. You have no idea what some of us have been through because of the brokers or lenders sole actions.

 

I wrote a rather long post but decided not to waste my breath or time arguing over the rights and wrongs of regular consumers and regulated lenders.

 

"bustthematrix:eek: What a pretentious twot

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When you think about it this lot spml and the like have only being going for 4 or 5 years and in that time the misery they've inflicted on people must be unparalleled,just think of the ratio of repos to borrowers as well.Thought............., approaching the 5 year deadline.

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Well thats rich because I have it in writing from capstone that they are not a mortgage lender or able to offer financial advice or able to vary the terms of my mortgage agreement such as offer payment breaks or any other thing as they are only administrators and if I am having difficulties I should contact an independent financial advisor............so that says they are not the decision makers but if as stated above SPML are as the originators then how are they supposed to make decisions when they are virtually non existant and all letters are dealt with by.......capstones!

 

Have you only just caught on to the catch 22?

 

You have to be forceful otherwise they will walk all over you.

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Capstone told me in writing they act for the lender and carry out all their business, As the lender has no employees wonder who gives them their instructions then.??The same director who is their director?

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This sh..ugar was authorised in the US to plug the gaps..extends to here but they didn't bother to think the models through before rubber stamping.

 

Blame is being shifted to the consumers when the flamin banks and gov. are hardly ones to speak on the subject. Our debts run to thousands ..not f'in billions so who are they to give debt advice? If they risk losing their top rankers through a pay cut then I pity them. If they were that f'in good they wouldn't have led the economy into this mess in the first place.

 

JonCris.. I can accept any critisism but someone talking out of their behind isn't welcome. They can walk a mile in my shoes ...............and then I'll chase them to get them back.

Edited by Crapstone
typos..due to distractions by OH ..but not in that way!
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Hi Tiggers1963

 

I really admire your courage for coming on here long after these **** turned you over. Without wishing to give you any sort of message that may seem patronising or too late to hold these absolute criminals to account for your own purposes believe me this injustice will not go unanswered.

 

And I really hope that you guys can put your lives back together. You did no wrong. You were victimised by a bunch of evil predatory ****, locked into their own belief system that it was all ok. Well it ISN'T OK.

 

And you (the perpetrators) will have to reflect on what you did to people much like yourselves. I wonder how many of Capstone's operatives are comfortable saying who they work for round the local schools and hospitals? Not that many I would imagine. Why not?

 

Ever turned a firefighter out of their home? Ever turned a teacher out of theirs? A nurse perhaps?

 

The people you effing well rely upon to get you out of sh*t when you need it. That's who you are screwing. Get a real job you shameless morons. And start contributing something to society. Muppets.

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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EIE/Crapstone

first time for weeks no guests you've frightened them all off,good on you,the constant frustration does get to you,you sign a bit of paper and give yourself a life sentence until some deaf bufoon totally out of touch with reality rubber stamps the repo and maybe you live again? but the bitterness never leaves.I used to be proud to be British greatest country on earth , now, I'm downright ashamed ,the crooked incompetent smug self interested assholes who have run this country into the ground couldn't run a corner shop.They are the same as the scummers who conned us.They sleep at night thinking what a good job they've done,they don't know the meaning of work or pressure the b*****ds.

  • Haha 1
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GUYS...URGENT ADVICE NEEDED PLEASE....

 

Just checked credit reports. Guess what!!

 

Our beloved CRAPSHOITE, have taken it upon themselves to end the special instruction:Arangement. as granted by DJ 10 months ago.

We have had no notification of this whatsoever. (We have kept to our end of the bargain)

 

Credit files checked 25/11/09, last spml file update was 11/10/09

credit file checked 08/12/09, last spml file update 18/11/09. Arrangement was still showing fine and dandy on 25/11/09...am i missing something here?

 

Now what is the best way to proceed with this??? and i need to move fast, as my gut feeling is telling me something is not right here!!!

 

I know it goes against the advice....but do i ring them (unable to record)

or go further, as the way i see it they are ignoring the court...copies of credit files saved by the way to use as proof if necessary....

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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If you've got a court order to this effect they cannot end it without making another application to the court and the only reason a court would consider such an application is if you hadn't stuck to the agreement so don't worry too much,you say you've had no notice from them whatsoever?What are they threatening? repo on a suspended repo order because of an alleged breech by you?

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Suspended repo....3rd one i might add with £6k arrears..made up of their alledged charges and fees, you know the score, with this lot, have plenty of proof on that score, they even charged their arrears management fees when there were no arrears,as they were all cleared..twice!!

 

Like i have said...no correspondance off them whatsoever, who knows what they are up to...probably taken the huff again because its £6k..and the libor has dropped again to 0.61% for jan 2010.

 

What i was trying to point out, for other caggers is the fact that the credit report clearly states that the special instruction states an end date for the arrangement of 01/11/09.

The order states the warrant of possession be suspended on payment of current monthly payment plus £xx.xx off arrears...there was no end date stated, which basically means for the remaining term of the mortgage or sooner if we ever get into the possision of clearing the arrears in full. I am obviously persuing all avenues to get the unfair charges/fees refunded. Sorry if i didnt make myself clear in the begining.

Edited by brassed-off-2

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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Brassed

You,ve posted this a bit late as not many people here at the moment: as already suggested to an earlier cagger make sure you contact Ell-enn on the possession page tomorrow and if you have any problems finding the page come back here and you will be redirected, but keep cool as it seems you have a good case.If you're on your 3rd suspended repo sounds like you could have done with flexible payments if you managed to pay 2 off.Important thing is you've kept to the agreement so they can't repo you on this basis.They're trying it on by the sounds of it,after you've spoke to Ell-enn please let us know how things are working out.

Edited by ryde
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4.16 The proposed definition of managing a regulated mortgage contract is not intended to bring into the scope of regulation firms that own or hold a regulated mortgage contract but do not carry out any activity that is material to the borrower. Special purpose vehicles (SPVs) and

other vehicles used in securitisation, for example, may own or hold regulated mortgage contracts but have no role in any decision-making process which affects borrowers. Decisionmaking powers are delegated by these bodies to a mortgage third party, for example the originating mortgage lender. The Government considers that arrangements of this type should be allowed to continue, and in such arrangements, authorisation will be required by the firm that has the ability to make decisions that will materially affect the borrower, and not by the firm that owns or holds the mortgage. In cases where the firm that owns or holds the mortgage instructs or directs the firm with the ability to make decisions to act in a certain way, this firm will require authorisation.

Originally posted by itbg

 

Can this be given some attention, the key is who dictates policy and the decision making process is it the spv or capstone there are some links to this and references in the securitization documents but haven't found anything cast iron yet,this is worthy of a shot and research because we all know the real force here.

 

Edited by ryde
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Just an update been contacted by ITN this morning,they want to do a story on the way we have been treated.

 

Hi new here but have a suspended repossesion order on my home as a secured loan with them. They are just terrible so un helpful and charge me £115 per month if I dont stick to an arrangement I am with you all the way. I have not looked at my contract as dont know what to look for.:confused:

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kegi

what are you doing here, thought you were heading to high wycombe to turn 'em into stone,don't forget the kilt and the serum.

No mercy!! you're our last chance.

Edited by ryde
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kegi

what are you doing here, thought you were heading to high wycombe to turn 'em into stone,don't forget the kilt and the serum.

No mercy!! you're our last chance.

 

Can't afford the bus fare Ryde :( they took all our cars off us not enough money coming in:mad:

n672285184_937521_3150.jpg

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