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    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      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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itbg, I hope that you are not accusing me of being a jackal because I happen to question some of your posts. You had be very careful about what you say. Eie is right, you have done yourself a big disservice recently. Drugs, Apples???

As I have said before, lets all work together on this and keep our disgreements to the tactics that we can use to get a better deal instead of making them personal.

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Well I got my 3 monthly statement today. Can't make head nor tail of the dam thing!

 

It seems they have refunded a charge from 2006 which is good but at the end they have added £50 x2 and removed £50 x 2 with no explanation. There are credits made back after interest has been debited and it seem out of 3 mp 2 go on interest and 1 goes off the capital.

 

I am also in arrears by £60 but the letter I got last week said arrears were £100..........have a complaint in about this. Well I reckon if we got a forensic accountant to go over our accounts they would have a field day.

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Top drawer JC. Wish it would happen here.

 

It has or at least something very similar but ALL parties have agreed to a confidentiality agreement:-|

 

NEVERTHELESS ANYONE FACING A POSSESSION HEARING, SHOULD IMMEDIATELY AS A LITIGANT IN PERSON, FILE AN APPLICATION UNDER CPR31.6 FOR THE DISCOVERY OF 1) Mortgage Sale Agreement 2) Mortgage Administration Agreement 3) Master Securitisation Agreement.

Edited by JonCris
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Sound Advice from JC. Does this mean we can stop paying the beggars?

 

Midge you may have stumbled upon something here which crossed my mind earlier. Why don't we have our mortgage statements professionally audited?

 

A statement from and independent auditor stating that these are a shambles and abysmally short of the accepted standards would surely kybosh any proceedings.

 

thoughts...?

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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Better than being saddled with this lot for god knows how long before they force a repo!

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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..sorry don't do drugs!

 

 

Killuminati- collateral damage.

 

 

 

 

 

 

 

ITGG!

the return

of Makaveli

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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Further to my previous posts about CH and date of filings of accounts. Here is their crap response to my most recent email telling them that I now want my company and that I expect the same treatment as our friends on late filing.

 

"Thank you for your e-mail of 25th November, marked for the attention of

Mrs E Cook. Mrs Cook is not available today, so I am responding on her

behalf.

 

In regards to your company xxxxxxx Limited, may I refer

to your e-mail of 22nd November in which you stated that you were happy

for the company to be struck off as you do not require it any longer.

Mrs Smith informed you in her response of 23rd November that a notice

was published in the London Gazette on 25th August 2009 stating the

Registrar’s intention to remove the company from the Register as it

appeared to be no longer trading or in business.

 

As you have now informed me that you require the company to remain on

the register, the records must be brought up to date. I can advise that

strike off action has now been discontinued, but we will shortly

commence prosecution action against the directors for the outstanding

document. As the company is already in default of its statutory filing

obligations no further time can be given.

 

The following document is currently overdue:

 

Annual Return for 30/04/09

 

Please ensure that the outstanding document is delivered without

further delay.

 

I note your comments concerning Preferred Mortgages Limited and

Southern Pacific Mortgage Limited. I can assure you that we are taking

the appropriate steps to secure the filing of all overdue documents and

if necessary this may include instigating legal proceedings against the

directors. I can confirm that we have written to the directors to

remind them of their statutory filing obligations, but I am afraid that

I am not in a position to be more specific regarding the timing of any

prosecution action.

 

With regard to the other issues you have raised; we have reason to

believe that both the companies are required to remain on the register

and that outstanding documents are being prepared. Companies House

makes no special allowances for any company based on size or status.

Once we have established that the company is required to remain on the

register we pursue all companies in the same way to ensure they fulfil

their legal obligations. Even though a company’s parent company may

be in liquidation, it is classed as a separate legal entity and as such

has filing obligations that must be met. As previously stated,

enforcement action for these companies is ongoing.

 

I am not able to respond to your allegations regarding the companies

carrying out illegal activities as Companies House is primarily a

registry. You may wish to seek advice regarding this issue from the

Companies Investigation Branch. You can contact them in writing at

Ground Floor, 21 Bloomsbury Street, London WC1B 3SS or by telephoning

0207 596 6100.

 

I hope this information has been useful.

 

Yours sincerely

 

 

Ms S Davies

Enforcement Support Team Leader "

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Sced,

 

if you need more answers, speak to the top man, Mr Kevin Huges(CH) compliance manager(Lehmans), on direct tel#02920 380 633

 

i will post up the prosecuting solicitor direct tel# at CH for SPML/PML, in due course, so everyone can tell him to get a move on..

 

 

 

 

ITBG?

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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.......Midge you may have stumbled upon something here which crossed my mind earlier. Why don't we have our mortgage statements professionally audited?

A statement from and independent auditor stating that these are a shambles and abysmally short of the accepted standards would surely kybosh any proceedings. thoughts...?

 

I did attempt this some time back, the cost became prohibitive.

Another block was lack of understanding by the accountant of the Capstone process.

 

Try this as an example;

you know what your Capital Balance is, and you know what your Interest Rate is.

Attempt to replicate the claimed Monthly Repayment.

 

Mine being an Interest Only Mortgage, should be easy.....er No :confused:

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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OTC,

 

that because its b******s, **** donot use their repayment model, they use the SPVs financial modelling. thats why your monthly payments are all over the place.

 

to confirm, I had mine checked by 2 mortgage brokers, using their industry software, computer said b******s!

 

 

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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Sound Advice from JC. Does this mean we can stop paying the beggars?

 

Midge you may have stumbled upon something here which crossed my mind earlier. Why don't we have our mortgage statements professionally audited?

 

A statement from and independent auditor stating that these are a shambles and abysmally short of the accepted standards would surely kybosh any proceedings.

 

thoughts...?

 

 

I did post (possibly on the Preferred thread) about a piece of software Mortgage Audit Software, Statement Checker, and Credit Card Budget Software that audits your mortgage. Not sure if its any good as I havent got round to using it yet.

 

Anyone else given it a go??

 

Sced

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I did post (possibly on the Preferred thread) about a piece of software Mortgage Audit Software, Statement Checker, and Credit Card Budget Software that audits your mortgage. Not sure if its any good as I havent got round to using it yet.

Anyone else given it a go?? Sced

 

Thanks for the link scedminc :)

 

If you are handy with Excel then there is a good formula on Wikipedia Fixed rate mortgage - Wikipedia, the free encyclopedia its for a fixed rate but you just recalculate for every rate change.

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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Hi guys (and gals!)

 

I should have been more specific of course. It's likely the calculators and spreadsheets will throw up all kinds of anomlies and discrepancies that could and should be challenged with our 'friends'. But this isn't really what I was getting at. Instead what I was intending is that we fish. By which I mean get a preliminary opinion on the accounting standards employed. If that throws up the possibility of more serious irregularities then go for an opinion in full. What one of us finds is likely to be true of the rest of us. On that basis I'm prepared to get a preliminary assessment done and then see what a top dog auditor can find in terms of slack standards. A report of that nature would be worth it's weight in gold. Factual, independent and also useful for the court, CH, TS, auditing regulators etc.

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 guys (and gals!)

 

I should have been more specific of course. It's likely the calculators and spreadsheets will throw up all kinds of anomlies and discrepancies that could and should be challenged with our 'friends'. But this isn't really what I was getting at. Instead what I was intending is that we fish. By which I mean get a preliminary opinion on the accounting standards employed. If that throws up the possibility of more serious irregularities then go for an opinion in full. What one of us finds is likely to be true of the rest of us. On that basis I'm prepared to get a preliminary assessment done and then see what a top dog auditor can find in terms of slack standards. A report of that nature would be worth it's weight in gold. Factual, independent and also useful for the court, CH, TS, auditing regulators etc.

 

I agree.

I attempted to have my mortgage account 'reconstructed' during possession proceedings. Used p36 to get information, but Lightfoots just ran rings with delays and obfuscations. Also at issue were what accounting conventions they use for things like day counts, suspense items etc.

Have a look here for some of the tricks than can be used Predatory mortgage servicing - Wikipedia, the free encyclopedia

:evil:

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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EXACTLY WHAT I MEAN JUST CARRY ON THE DEBATE CRITICISE ANYONE WANTING DIRECT ACTION

THE ONLY GUY WHO HAS DONE SOMETHING POSITIVE IS ITBG.

GET REAL 3000 POSTS what have you achieved,they've actually put their charges up and increased repos.

Took a lot of notice of what you lot have said and complained about then.

All the info you need is posted here to bring em down,whistles already been blown but you lot havent heard it,shall I spell it out.

Typical brits, argue about the war while someone is kicking you up the ass,this would never happen in the states,the yanks love your system,real easy pickings.

ACTION NOT WORDS,WORDS,WORDS.

HITem where it hurts ,in the pocket

GRASS THE S%&*****$S UP

 

Hi there Yankee doodle dandy,

 

You're very right in a lot of respects but wrong in others. The US system has its faults like any others, but one part of your judicial system that is much better than ours is the fact that your system is not full of the incestuous old school tie Etonian-like establishment rubber stamping court orders for their Etonian-like banker friends. Count your blessing that your Judges are chosen in a more meritocratic style. Plus, your constitutional due process really does count for something. Over here, well a five minute hearing and you've lost your home - some due process eh!..well, as I said rubber stamping exercise. And finally, in the US, there are lawyers advertise as defence lawyers and others that advertise as plaintiff lawyers. Over here, nearly all the lawyers seek to work for the banks!...so there's very few competent lawyers that will put up a vigorous defence for a defendant mortgage - you see, they all want to work for the bank so they don't want to upset a potential client whom they covet.

 

All that said, the Brits on this site are formidable. In only one year there has been a build up of critical mass by people who have had to learn the law and fight against incredible odds. Success? The very fact that the bankers and their lawyers troll these pages so intimately is proof of their fears that the critical mass will explod on them. There have been individuals that have succeeded too - although when they get a "deal" and back off the borrower, part of the deal is to keep it all under wraps. The banks don't want to advertise that the arguments have, and do work.

 

In spite of our rubber stamping judiciary, it is begining to break ground. Recently, I have written to the Lord Chancellor (Jack Straw) to inform him that I have not found even one example of a reported case where the defendant mortgagor has prevailed against the claimant mortgagee. I have asked him to inform me if he knows of even I case within the last 100 years. You see, that's what we're up against. 100% success rate of the lenders (irrespective of the rule of law (although, with our determination, we CAGGERs may just be able to ressucitate this dying, and nearly dead principle).

 

In conclusion, I respect and admire a good fighting attitude, but insulting and attacking the British Davids who are up against the Goliaths (or a leviathan) doesn't help. Thank your lucky stars (and stripes) that your judicial system has more opportunity for borrowers to have real due process, independant and impartial judges, and a lawyer to present an effective and success case. In the meantime, I welcome you as our American cousin and hope that you'll contribute constructive and winning strategies to help your British cousins get the justice they deserve. As Martin Luther King said, "injustice anywhere is injustice everywhere". Don't you agree?

 

Look forward to your constructive ideas and suggestions in your posts.

Wonderman

Edited by wonderman
Typos...there's more, but can't be bothered to correct them all!
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Originally posted by Zither

 

Sorry just seen that someone else has posted the same story!

 

I was about to point this out....Oh well. :)

 

Did you also see that the someone else (JonCris) has said that it HAS happened here? But there's a confidentiality agreement.

 

We are living in dark times at the moment. The recent high profile consumer cases have gone massively against the consumer. Bad cases, hard law? Maybe.

 

Some of them defy belief. Some defy ever having been chosen as high profile cases. Others, more well chosen, seem unable to be won, on points of law that are read but never heard.

 

The linguistic acrobats of our judges is certainly skilled. In fact it proves decisive in ensuring that unless a case is so much more watertight then any holes punched in it by the increasingly arrogant opposition we are doomed to be beaten.

 

However I always live in hope. Keep the faith.

Edited by enoughisenough

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 was about to point this out....Oh well. :)

 

Did you also see that the someone else (JonCris) has said that it HAS happened here? But there's a confidentiality agreement.

 

We are living in dark times at the moment. The recent high profile consumer cases have gone massively against the consumer. Bad cases, hard law? Maybe.

 

Some of them defy belief. Some defy ever having been chosen as high profile cases. Others, more well chosen, seem unable to be won, on points of law that are read but never heard.

 

The linguistic acrobats of our judges is certainly skilled. In fact it proves decisive in ensuring that unless a case is so much more watertight then any holes punched in it by the increasingly arrogant opposition we are doomed to be beaten.

 

However I always live in hope. Keep the faith.

 

You put it so eloquently!:)

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