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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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SPML/LMC anyone claimed for mis selling and unfair charges?


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Hi, has anybody got a link to the last set of SPPL's accounts that were submitted. I'm sure I've seen them posted but been searching through the posts here for a good while now without any luck :(

 

Hi Sawyer

 

if you go back onto the main forum

 

Mortgages and Secured Loans - The Consumer Forums

 

and click on the paperclip for this thread, it will let you see all the files that have been attached to this thread.

 

Hope that helps

 

Payback

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Finally got a letter from Capstone . I quote,

"You Originally applied to SPML for a loan, SPML provided the loan for youon 12th August 2004. Your loan agreement is with SPML as a lender. This loan is secured by way ofa first charge with SPML as the mortgagee(and you executed a mortgage deed to this effect)

SPMl retained legal title to your loan and is the lender of record. Accordingly SPML is the proper party to anyproceedings in relation to your loan.

 

The name of the SPV which includes your mortgage is'SPS04-2 First Charges'Your loan was securitised on 29th November 2004.Capstone Mortgage Services Ltd is appointed as administrator to act on behalf of Southern Pacific Mortgages Ltd in the day to day administration of Loans & Mortgages. Capstone acts in accordance with the terms of its servicing agreement with Southern Pacific Mortgages Ltd. There is therefore no single or individual employee from which Capstone takes instruction, rather it takes instruction from Southern Pacific Mortgage Ltd the company, which is a legal person"

 

This was written by Charlotte McKearnan of the collections department. the same person who told me that SPML & Capstone were the same company!!

Well that is as clear as mud!! Can anyone tell me what this means ?

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It tells me that they are trying to have their cake and eat it. Use CPR 31.6 for a copy of the service agreement, if you are already in proceedings.

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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Hi - is SPPL defunct or not? - appears on companies house as active with note "proposal to strike off" and the note to shareholders dtd Dec 2009

Southern Pacific Sec: Notice to Noteholders | Company Announcements | Investegate

 

informs that insolvency is imminent and the notes transferring to the Issuer with permission from Trustee - errrrr the Issuer?? capstone??

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Complex stuff this particular securitisation model. Sppl are a busted flush. The issuer is the spv most likely one or other of the Eurosail entities.

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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Complex stuff this particular securitisation model. Sppl are a busted flush. The issuer is the spv most likely one or other of the Eurosail entities.

 

Received at Companies House on the 13/01/2010.

 

Southern Pacific Personal Loans Ltd.

SAIL Address

The address for an alternative location to the company's registered office for the inspection of registers is:

Pellipar House

1st Floor

9 Cloak Lane

London

EC4R 2RU

 

The following was moved to the alternative address:

Register of members. Register of directors (blank page?) Register of secretaries. Records of resolutions and meetings.

Instruments creating charges and register of charges: England, Wales and Northern Ireland.

 

The main occupant of Pellipar House is: Tradelink Worldwide Ltd.

 

Licenced by the OFT, looks as if they are in the securities business ( what a surprise) some of the other names that came up were: Meerbrook Finance and Leek Finance.

 

Two new licences applied for late 2009, at the moment pending.

 

So on the 13/01/2010 SPPL was a shell, no directors and all the company records removed, but thats the date Companies House were told I wonder what the date was of the actual transfer?, so was any repossession action taken in the name of SPPL after the 13/01/10 legal?.

 

What a tangled web they weave.

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So the FSA register as we know is completely out of date attia having resigned some time ago last year,arent they under an obligation to tell the FSA this.The second point being that they say spml are responsible under the FSA for the actions of their agent and that sppl is therefore not regulated by them which asks the question that any agreement made with sppl is therefore NOT a regulated agreement?.

Aren't all agreements after a certain timeline regulated under some act?

 

..just to clarify on this a little further & so as to avoid confusion..

 

SPPL act(ed) as an appointed representative of the principal SPML.. therefore they achieve(d) their regulatory authorisation via this relationship with SPML..

 

..it's somewhat like acting as a sales agent.. you execute the loan through SPPL but for all intents and purposes it is really with SPML..

 

..SPPL agreements and letterheads etc should state that they act as an appointed representative of SPML..

 

..I believe, in this situation and as far as the courts are concerned, either SPPL or SPML can register title for example, or take legal action against you..

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..just to clarify on this a little further & so as to avoid confusion..

 

SPPL act(ed) as an appointed representative of the principal SPML.. therefore they achieve(d) their regulatory authorisation via this relationship with SPML..

 

..it's somewhat like acting as a sales agent.. you execute the loan through SPPL but for all intents and purposes it is really with SPML..

 

..SPPL agreements and letterheads etc should state that they act as an appointed representative of SPML..

 

..I believe, in this situation and as far as the courts are concerned, either SPPL or SPML can register title for example, or take legal action against you..

 

SPPL only made loans regulated by the CCA,(under £25K) and were a registered company at the OFT, any loan over £25k was unregulated and to make those loans you need an FSA licence.

 

SPML, FSA and OFT regulated.

 

SPPL, OFT regulated only.

 

You also need an FSA licence if you offer first charge mortgages regardless of the size of the loan.

Edited by not another b----- letter
Something left out.
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Just going off topic for a minute have a look at this item on ebay; read the description of the goods, going to bed with a smile on my face and I have not read it all going to keep some for tomorrow.

 

 

2005 RENAULT CLIO DYNAMIQUE 16V BLUE on eBay (end time 23-Mar-10 15:10:07 GMT)

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Hi - I have a copy of my original application form for an SPPL loan sent by Capstone - it is mostly illegible but cant see anything about being appointed representatives of anyone - I do note however that this printed on Capstone paper with their details rather than SPPL's and a declaration of theirs about transfers, assigns etc., "who may rely upon the truth and accuracy of the information" - hmmmmm

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@ campari2 - that's a rather suspicious sounding copy of the app. form is it not.. hmmm indeed.. if you can remove identifying information and post it up here then perhaps some useful questions can be raised..

 

..also, have you requested and received a copy of the loan cheque from the bank you deposited it with?.. it will at least confirm which company performed the loan agreement..

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@ campari2 - that's a rather suspicious sounding copy of the app. form is it not.. hmmm indeed.. if you can remove identifying information and post it up here then perhaps some useful questions can be raised..

 

..also, have you requested and received a copy of the loan cheque from the bank you deposited it with?.. it will at least confirm which company performed the loan agreement..

Zillak: no need - I have the original - just wanted to see theirs!:)

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I have now managed to catch up finally on all the posts I have missed during my absence.

I must relate a rather amusing story that occured yesterday.I was assisting a colleague who had got into difficulties with her mortgage repayments, due to illness, with a reputable company.We attended a court hearing yesterday and at its inception we were seated with the opposing parties in the court room.The judge,a rather priggish, po faced,world weary and crusty elderly gentleman entered the hushed and tense courtroom in headmasterlike fashion and in obedience and subservience befitting his stature we all rose.

The judge on seating himself broke wind in an outrageous thunderclap fashion and then continued oblivious to his actions as though he had just wiped his nose and as though such behaviour was the most natural in the world which made matters for us intolerably worse.The opposing parties sat down without comment,sound or expression.

My colleague and I in utter stunned shock and disbelief sat down nervously and were unable to look at each other at all throughout the proceedings without corpsing violently ,our faces scarlet in attempted futile containment ,our case suffered markedly as a result.

The austere judge looking over his spectacles took notice of our actions and behaviour and stated that he could not understand why we found the proceedings so amusing.!

I leapt to our defence crying "NERVES YOUR HONOUR"

All to no avail as he awarded rather contemptuosly a suspended possession order.

Does anyone think we have any grounds for appeal?

Edited by actionnotwords
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Hi - I cant believe that this is a serious question. It will be noted immediately that the other side 'coped' and there's your answer - I'm sure it was distracting but not a riot eh - not wanting to sound harsh but it really doesnt seem worth consideration, to me anyway.

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Hi ANW

 

An amusing anecdote but a less than satisfactory outcome.

 

If you are able immediately request an EX107 which is a transcript of the hearing. I'm afraid it costs a considerable sum of money but is vital...possibly in the region of £150.

 

Next did the judge, AS HE MUST, assess the overall contract for the fairness of the terms? I bet he didn't.

 

I can furnish you with the relevant law later if you want to mount a viable challenge to the SPO.

 

You then appeal and the SPO is overturned. IT HAS TO BE...Otherwise the court is violating Community Law and national courts are pro tanto Community courts. End of.

 

I wish people would take this EU dimension more seriously. It's where the vast majority of our consumer protections lie and our courts are bound to make these assessments. It is a non contested appeal...there are no grounds for challenging such an appeal. There has been a visible and material error in law...

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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Hi ANW

 

An amusing anecdote but a less than satisfactory outcome.

 

If you are able immediately request an EX107 which is a transcript of the hearing. I'm afraid it costs a considerable sum of money but is vital...possibly in the region of £150.

 

Next did the judge, AS HE MUST, assess the overall contract for the fairness of the terms? I bet he didn't.

 

I can furnish you with the relevant law later if you want to mount a viable challenge to the SPO.

 

You then appeal and the SPO is overturned. IT HAS TO BE...Otherwise the court is violating Community Law and national courts are pro tanto Community courts. End of.

 

I wish people would take this EU dimension more seriously. It's where the vast majority of our consumer protections lie and our courts are bound to make these assessments. It is a non contested appeal...there are no grounds for challenging such an appeal. There has been a visible and material error in law...

 

I have just paid £120.00 for a transcript of proceedings in my case, sent cheque 2 weeks ago, not cashed yet and transcript can take up to 28 days but will be worth it in my case

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Further to my experience above,the initial expected outcome of the hearing was a suspended repossession order.Fortunately my colleague's loan is not with the people here on this site and is within her limits.

If one can take a moral lesson and a positive from this experience it's to always be prepared for the unexpected.!

One old fart can usually be handled in the frosty and serious confines of the courtroom , two is almost impossible.

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