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    • The lawsuits allege the companies preyed upon "vulnerable" young men like the 18-year-old Uvalde gunman.View the full article
    • Hi, despite saying you would post it up we have not seen the WS or EVRis WS. Please can you post them up.
    • Hi, Sorry its taken me so long to get round to this, i've been pretty busy today. Anyway, just a couple of things based on your observations.   Evri have not seen/read my WS (sent by post and by email) as they would have recognised the claim value is over £1000 as it includes court fees, trial fees, postage costs and interests, and there is a complete breakdown of the different costs and evidence. I'd say theres a 1% chance they read it , but in any case it won't change what they write. They refer to the claim amount that you claimed in your claim form originally, which will likely be in the same as the defence. They use a simple standard copy and paste format for WX and I've never seen it include any amount other than on the claim form but this is immaterial because it makes no difference to whether evri be liable and if so to what value which is the matter in dispute. However, I have a thinking that EVRi staff are under lots of pressure, they seem to be working up to and beyond 7pm even on fridays, and this is quite unusual so they likely save time by just copying and pasting certain lines of their defence to form their WX.   Evri accepts the parcel is lost after it entered their delivery network - again, this is in my WS and is not an issue in dispute. This is just one of their copy paste lines that they always use.   Evri mentions the £25 and £4.82 paid by Packlink - Again, had they read the WS, they would have realised this is not an issue in dispute. They probably haven't read your WS but did you account for this in your claim form?   Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency This supports the view that once a user (i.e, myself) selects a transport agency (i.e Evri) that best suits the user's needs, the user (i.e, myself) enters into a contract with the chosen transport agency (i.e, myself). Therefore, under the T&Cs, there is a contract between myself and Evri.   This is correct but you have gone into this claim as trying to claim as a third party. I would say that you need to pick which fight you wan't to make. Either you pick the fight that you contracted directly with EVRi therefore you can apply the CRA OR you pick the fight that you are claiming as a third party contract to a contract between packlink and EVRi. Personally, I would go with the argument that you contracted directly with evri because the terms and conditions are pretty clear that the contract is formed with EVRi and so if the judge accepts this you are just applying your CR under CRA 2015, of which there has only been 2 judges I have seen who have failed to accept the argument of the CRA.   Evri cites their pre-existing agreement with Packlink and that I cannot enforce 3rd party rights under the 1999 Act. Evri has not provided a copy of this contract, and furthermore, my point above explains that the T&Cs clearly explains I have entered into a contract when i chose Evri to deliver my parcel.    This is fine, but again I would say that you should focus on claiming under the contract you have with EVRi as you entered into a direct contract with them according to packlink, as this gives less opportunites for the judge to get things wrong, also I think this is a much better legal position because you can apply your CR to it, if you dealt with a third party claim you would likely need to rely on business contract rights.   As explained in my WS, i am the non-gratuitous beneficiary as my payment for Evri's delivery service through Packlink is the sole reason for the principal contract coming into existence. I wouldn't focus this as your argument. I did think about this earlier and I think the sole focus of your claim should be that you contracted with evri and any term within their T&Cs that limits their liability is a breach of CRA. If you try to argue that the payment to packlink is the sole reason for the contract coming in between EVRI and packlink then you are essentially going against yourself since on one hand you are (And should be) arguing that you contracted directly with EVRi, but on the other hand by arguing about funding the contract between packlink and evri you are then saying that the contract is between packlink and evri not you and evri.  I think you should focus your argument that the contract is between you and evri as the packlink T&C's say.   Clearly Evri have not read by WS as the above is all clearly explained in there.   I doubt they have too, but I think their witness statement more than anything is an attempt to sort of confuse things. They reference various parts of the T&Cs within their WS and I've left some more general points on their WS below although I do think  point 3b as you have mentioned is very important because it says "Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line." which I would argue means that you contract directly with the agency. For points 9 and 10 focus on term 3c of the contract  points 15-18 are the same as points 18-21 of the defence if you look at it (as i said above its just a copy paste exercise) point 21 term 3c again point 23 is interesting - it says they are responsible for organising it but doesnt say anything about a contract  More generally for 24-29 it seems they are essentially saying you agreed to packlinks terms which means you can't have a contract with EVRI. This isnt true, you have simply agreed to the terms that expressly say your contract is formed with the ttransport agency (EVRi). They also reference that packlinks obligations are £25 but again this doesn't limit evris obligations, there is nothing that says that the transport agency isnt liable for more, it just says that packlinks limitation is set. for what its worth point 31 has no applicability because the contract hasn't been produced.   but overall I think its most important to focus on terms 3b and 3c of the contract and apply your rights as a consumer and not as a third party and use the third party as a backup   
    • Ms Vennells gave testimony over three days, watched by those affected by the Post Office scandal.View the full article
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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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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.

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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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