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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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SPML/LMC anyone claimed for mis selling and unfair charges?


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Its ok I understand.

I have sent you a pm.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Sced,

 

can you post up Resetfan Ltd, latest accounts?

 

 

 

 

 

 

Makaveli

in da VoJ

 

sced this suddenly appeared for your attention,have reposted in case you missed it.

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That post has been viz already-I saw it there last night.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Maybe I should just add that restricted account postings will stay by date and time posted until approved.

Therefore if a thread continues into a second page and then the waiting approval posts are done-it means that users would not ordinarily see them unless they went back.

You will see that ITBG HAS indeed been posting-but no one appears to have seen it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Having checked -I can confirm that this post was deffo approved for viewing on 4th.March.(evening).

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ok will leave you to it now.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Yes had a few late ones last few nights and feeling it.:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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ITBG

 

Your inbox is full,please empty then we can make contact with you. :)

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

 

DO NOT say you are from CAG-only directly affected or a concerned citizen. 

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

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

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

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108 (part of the Insolvency Service) investigating all the Lehman lenders 

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

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

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sced this suddenly appeared for your attention,have reposted in case you missed it.

i approved this post last night, as i didnt see any harm with it, if a user is moderated, then if i see a post that can be approved then i will always approve it

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It was all written in T & C's that they would be using Capstone for admin. Buried in the small print was that they COULD sell it on. I'm sure if we were factually aware that we'd be left open we just wouldn't have done it. You think you are with a lender. They had the money, they own the title. You just don't expect to be part of this s**t that they sold off and didn't have the money in the first place.

 

Hi Crapstone,

 

I tend to disagree in my case. There is no mention of Capstone being admin in my T&C's. PML used to adminster their own accounts and I took my mortgage out at the transition period to Capstone. It seems they overlooked sending me notification and now they point blank refuse to send me anything. So I point blank refuse to pay a company that claims they administer for PML but payments show on my statement as being made to SPML. Therefore unless they can give me written evidence from PML of assignment then as far as I am concerned I cannot pay as PML provide me with no means. Why should I believe I have to pay Capstone without written assignment any more than I should believe that I have to make payments to yourself. In fact I'd rather pay my money to you then at least I know its going somewhere potentially good. That's not an offer though lol.

 

Sced

 

Sced.

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Sced

 

Having probs opening the file,keeps coming up with error file could be damaged.

 

Anyone else having problems opening it?

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

 

DO NOT say you are from CAG-only directly affected or a concerned citizen. 

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

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

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

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108 (part of the Insolvency Service) investigating all the Lehman lenders 

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

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

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Sced

 

Having probs opening the file,keeps coming up with error file could be damaged.

 

Anyone else having problems opening it?

 

Hi LD,

 

Seems to be opening fine for me when I click the link.

 

Have re-attached here for you just in case.

 

Sced

Reset Fan Accounts.pdf

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Thanks Sced,opening fine now

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

 

DO NOT say you are from CAG-only directly affected or a concerned citizen. 

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

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

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

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108 (part of the Insolvency Service) investigating all the Lehman lenders 

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

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

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Do you know there was actually more debate on here about LC being absent than when hes actually here.Personally think the Archer argument could just have swung it.Thanks for everyones efforts,hope he appreciates it.

It naievely never occured to me before but all these spvs were set up by lehmans as channels for the investor funds both ways ie notes bought by the investor then interest paid to them from our mortgage repayments via ostensibly the lender to capstone to the spv to the noteholder with percentage profit withdrawn at each step.

So lehmans are the parent of the lender,the administrator and set up the spv plc.So where do all the profits go and into whos pocket when the spv is running profitably?? Lehmans who are bankrupt.? some hidden account?

Edited by ryde
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So the resetfan accounts on a very quick look as with all the others basically all show theyre skint and moving debt around.Theres no intention to appoint directors to sppl as they owe them 55million for shares in the company,so no directors no demand for the debt.SPPL are therefore as good as gone.

All this lot needs to be set out on a big spreadsheet who owes what to who it seems to me the only way theyre all trading is because of the intercompany debt if it was all called in it would probably add up to a great big minus so theyre all trading whilst insolvent.Theyve just shifted funds and issued unpaid for shares to keep the whole lot superficially afloat.What a tangled web.

 

On a lighter note did Rooster uk start this thread ?:Got an old Egg Agreement (Pre 2005) then have a look here :-D

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re resetfans accounts EXTRACTED statements in bold

The company is the sole shareholder of sppl which has no directors ,in its capacity as sole shareholder the company has determined that there is no prospect of sppl demanding repayment of the debt in the immediate future.

The investment in sppl includes 55million in preference shares which the company has not yet paid for.(and which will never be demanded)

IN OTHER WORDS 55MILLION WROTE OFF THE BALANCE SHEET TO A DEFUNCT COMPANY WHO HAVE NOW LED ALL THEIR CUSTOMERS IE YOU TO BELIEVE THAT YOUR LOAN HAS BEEN TRANSFERRED TO CAPSTONE OR SPML.THIS IS THE REASON NO ACCOUNTS HAVE BEEN SUBMITTED OR DIRECTORS APPOINTED OR EVER WILL BE.

 

THE COMPANY ARE ALSO 100% SHAREHOLDERS IN MANY OF THE SPVS.

On 29th August 2008 the company resolved to increase the allotted share capital to £1 billion 1 on the same date the company issued £25 million ordinary shares fully allotted and paid up for by Mable commercial funding.

(What impeccable timing.)

I WAS UNDER THE IMPRESSION THAT IT WAS A CRIMINAL OFFENCE TO DISPOSE OF ASSETS KNOWING OF IMPENDING BANKRUPTCY WHICH HAPPENED 3 WEEKS LATER!The ink was barely dry on the cheque.

 

 

Dates when the various entities went into admin.

Lehman Brothers Limited - 15 Sept 2008

Lehman Brothers Holdings PLC - 15 Sept 2008

LB UK Re Holdings Limited - 15 Sept 2008

Lehman Brothers International (Europe) - 15 Sept 2008

Storm Funding Limited - 23 Sept 2008

Mable Commercial Funding Limited - 23 Sept 2008 ----3 WEEKS AFTER RINSING AWAY 25million

Lehman Brothers Europe Limited - 23 Sept 2008

Lehman Brothers UK Holdings Ltd - 29 Sept 2008

LB UK Financing Ltd - 2 Oct 2008

LB SF No. 1 - 2 Oct 2008

 

Does anyone smell a rat or a shipfull?

Edited by ryde
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I smell plenty of rats Ryde & more than a shipfull!!

Edited by littledotty27

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

 

DO NOT say you are from CAG-only directly affected or a concerned citizen. 

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

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

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

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108 (part of the Insolvency Service) investigating all the Lehman lenders 

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

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

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..will give update, shortly.

 

 

 

 

 

 

 

 

 

 

Makaveli

KwA

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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Welcome to the forums IAMAGOODGUY. Hope you enjoy your time here and help nail the ****. Are you with Capstone or just an interested observer?

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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