DLC (ofcourse) is just a trading name for Hillesden Securities limited . This is turn is a subsidary of the Faccenda Group Limited Faccenda - Home owned by Robin and Susan Faccenda Faccenda Group - Wikipedia, the free encyclopedia Robin Faccenda - Wikipedia, the free encyclopedia Their chicken activities are again causing quite a stink in Brackley http://www.buckinghamtoday.co.uk/brackley-news/Brackley-businessman-calls-for-residents.5623284.jp Sue has an email which shows up on google as suefaccenda@aol.com . I guess therefore that Robins may be robinfaccenda@aol.com

dlc(ofcourse) is just a trading name for Hillesden Securities limited . This is turn is a subsidary of the Faccenda Group. Their chicken activities are again causing quite a stink in Brackley http://www.buckinghamtoday.co.uk/brackley-news/Brackley-businessman-calls-for-residents.5623284.jp

Yes I am interested. I will be meeting with solicitor in next few days to take the matter forward.

The CEO of Bank of America ( MBNA) Company email is listed on the shy and retiring website Bank of America S.cks! Bank of America Sucks • View topic - Anyone have Ken Lewis's email address? Ken Lewis, CEO Bank of America 100 Tyron street Charlotte, North Carolina 28255 or E-mail ken.d.lewis@bankofamerica.com The UK BOA/MBNA contact email addresses are shown at http://www.bankofamerica.co.uk/contact-bank-of-america/complaints-procedure The CEO is supposed to step down at the end of the year, but they are struggling to replace him. Bank of America struggling to find CEO | The Journal Gazette, Fort Wayne, Ind. Additionally a previous thread listing some MBNA Email addresses http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/99823-can-i-join-mbna.htm

Mr Kevin Hughes, of the Compliance Team-Companies House. SPML should be available on email at khughes@companieshouse.gov.uk. This is based on the (yet unconfirmed) assumption that most of their email addreses appear to be initial and surname @companieshouse.gov.uk @companieshouse.gov.uk

Enough is Enough thanks for that you got me thinking again. Perhaps the SPML/Capstone/Lehman Brothers victims need solicitors who deal with Class Action and a media consultant perhaps prepaired to work on a NO Win No FEE basis . After all people want compensation , their right restored, the wrongs of Lehman Brothers e.t.c corrected. How about a book, movie, T shirts e.t.c. Probably the best known media consultant- The one who can get you on TV in the papers e.t.c is ofcourse MCA Contact

I am very concerned (as per my thread below) http://www.consumeractiongroup.co.uk/forum/repossessions/234865-illegal-house-repocession.html That SPML and their solicitors Glenisters appointed bailifs who appear to be trading illegally have repossessed my house even though I had no mortgage with them. They should have repocessed a property further up the road. I have submitted a compliant to Companies House using the online Complaints form. Should I complain to the Law Society as to how can a solicitors firm can act for a firm trading illegally?

Just received a phonecall from (I assume a self employed)representative of Exel debt collection/councelling services of 52 High Street, Henley in Arden, Warwickshire, B95 5AN Reg: 2892447 . They advise/ confess that my house has been illegally repossessed.They inform me they are instructed by Glenisters Solicitors of 269 Field End Road Eastcote Ruislip HA4 9LS who act as solicitors ( for SPML).They inform me that a property I own has been repossessed in error by bungling Court authorised bailiffs. They were supposed to repossess a property further up the same road (one hopes the lender actually had a mortgage on) and did mine in error. They have changed the door locks (front and back) and I assume shut off the utilities. Incredibly the lender who instructed them is Southern pacific ML (who I do not have any loan or connection with). I would welcome your comments on obtaining compenation and what strategy should I follow against lender, solicitors,bailifs e.t.c. Should I follow the same strategy as listed on link below? http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/232081-important-announcement-capstone-mortgage.html

According to Yorkshire Post a Class Action has already been started against Cattles a PPI miselling company. Interestingly it also mentions Bradford and Bingley ( owners ofcourse of Mortgage Express ). It looks like some of their bond owners are very unhappy ( probably about being sold potential Junk). They are also involved in a class action. I wonder if this solicitor would be interested in representing Mortgage Holders with Mortgage Express and the other similar lenders such as Birmingham Midshires, Clydes dale, Bristol and West e.tc) Law firm in threat to sue lender Cattles - Yorkshire Post

According to Yorkshire Post a Class Action has already been started against a PPI miselling company. Interestingly it also mentions Bradford and Bingley ( owners ofcourse of Mortgage Express ) looks like some of their bond owners are very unhappy ( probably about being sold potential Junk). They are also involved in a class action. I wonder if this solicitor would be interested in representing Mortgage Holders with Mortgage Express and the other similar lenders such as Birmingham Midshires, Clydes dale, Bristol and West e.tc) Law firm in threat to sue lender Cattles - Yorkshire Post Bradford and Bingley Rights Issue Action Group An Action Group called the Bradford & Bingley Rights Issue Action Group was recently formed with a view to seeking compensation for Shareholders who lost money in the August 2008 Rights Issue. Leon Kaye Solicitors who have over 18 years successful experience in Class Actions on behalf of Shareholders and Investors will be acting on behalf of the Action Group. It is proposed to seek compensation by way of damages for misrepresentation arising out of the Prospectus which preceded the Rights Issue and which Prospectus was sponsored by Citi and by UBS Investment Bank It is considered that although there were Risks Warnings in the Prospectus these were insufficient. The Rights Issue proceeded notwithstanding a rapidly developing Financial and Banking Crisis and in particular the Prospectus failed to properly address the consequences of the Moody’s credit downgrade as a result of which a major investment fund (TPG) had already withdrawn its support. The number of paid up members of the Action Group is now in the thousands and the numbers are increasing substantially by the day If you are a member of the Bradford and Bingley Rights Issue Action Group and would like full details of funds received and funds expended in the Action Group please email info@leonkaye.co.uk,with details of your membership including name and address and shareholding, and we will be happy to provide you with a copy of the same. B&B Rights Issue Action Group members can now access confidential information via our members area. This information includes financial statements of total monies received and total monies expended from members along with current membership levels. Also included in the members area is our letters of claim and Response from the B&B's Solicitors. If you are a member and would like to access this area please email info@leonkaye.co.uk and we will verify your membership and provide you with access details

For a class action perhaps challenging the securitisation used by the lender could give a way forward ? More info on Walker Singleton/Mortgage Express added below Bradford & Bingley - Securitisations http://www.bbg.co.uk/bbg/ir/dis/securitisation/valley2008_01/offering_circular08_1.pdf http://forums.moneysavingexpert.com/showthread.html?t=1598959 http://www.thisismoney.co.uk/mortgages-and-homes/article.html?in_article_id=487732&in_page_id=8 http://www.walkersingleton.co.uk

I have posted link on securitisation thread that would appear to show that Aire Valley Master Trust are the mysterious third party that control some (or possibly all) of Bradford and Bingley Plc ( Mortgage Express ) mortgages. Is this the company that are instructed Mortgage Express to repoccess asap?

They Did the same to me. I hadn't even reclaimed or asked about bank charges then. I suspect they are attempting to churn their customer base . This may help them to get rid of customers (who may not even know) that they have a potential massive claim against First Direct/HSBC . Once the Bank Charges are finally resolved by the House of Lords the true extent of their liabilities may be known. You also have to start wondering does HSBC have a secret debt problem that is not yet in the public domain? Are they moving back to Hong Kong ( already confirmed) to attempt to avoid some major financial liability?

Mortgage Wars ( by iris martin USA) is a book which may motivate a whole new generation of caggers. Although this book was written for the USA market, there are obvious similarities with the UK market. You will learn how your mortgage is effectively one big [problem] involving the banks , brokers, valuers, estate agents e.t.c e.tc . You probably don't even know who now owns your mortgage until you do a Subject Access Request as many have simply been sold onto another Merchant Bank. You need to start asking if you don't even know who owns you mortgage is this a fair contract e.t.c e.t.c Whether you are a home owner or a buy to let landlord this book will get you thinking. Remember the Truth is out there!

Is there any hope for someone potentially missold a Buy to Let Mortgage? Does anyone know of any Solicitors or barristors chambers willling to take on any such cases?

The DVLA wrongly ran my account and merged my account with someone else with a simlar name. I only discovered something was wrong, when someone else commited driving offences in Manchester & I started to get letters from DVLA. They have admitted in writing that my driving licence was wrongly set up. They refused in writing to comply with a Subject Access Request Data Protection Act until I send back my photo driving licence. I suspect this is to enable them to attempt to cover up their illegal activity. I shall of course complain to ICO. Is there a legal avenue available on this? Many Thanks

Merlin claims loss adjusters for Axa Plc and others stall and stall and try to avoid paying out. Every excuse is used including the alleged long term sickness of their loss ajusters. I suspect the issues could be linked to serious cash flow problems inside the insurance industry. I suspect they are instructed to stall as long as possible.

Not sure if anyone has posted the website yet. I have edited the post as I have just discovered someone had posted the website link already (sorry). The website is www.nhunter.co.uk & info on your rights to get your data is shown at Problems gaining credit. The information below and a picture of its alleged office is shown at http://www.guardian.co.uk/money/2008/nov/15/national-hunter-credit-agency It does not publicise its phone number or give an address beyond a PO box number belonging to a small office on a run-down street in Stoke-on-Trent. Its name is unknown to the public. Yet it carries out around 100,000 credit checks every day, probing applications ranging from mortgages to car loans and store cards. Ask a bank or finance company why you've been rejected, and you will probably be told to contact one, or all, of the credit reference agencies - Callcredit, Equifax, and Experian - to see what they have on you. Send them £2 and you'll get a copy of your file by return. Now Guardian Money can reveal there's a fourth agency, called "National Hunter", whose approval - or otherwise - can make or break an application. But, unlike the others, you won't find out the information it holds on you for £2, or be invited to apply online to check your data. Instead, National Hunter charges £10, the maximum allowed under the Data Protection Act. Last year, 5m applications for credit were turned down across the industry, but how many were as a result of National Hunter is unknown. And, until now, the organisation's extremely low profile has meant that few individuals rejected for credit will have thought to check with National Hunter. It was set up by a group of banks in 1993, but is now co-owned by 60 banks, building societies and specialist lenders. Its official headquarters are in Stoke-on-Trent though little of what it does takes place in the building. Although it's owned by the banks, National Hunter is managed and operated on a day-to-day basis by Experian, the giant of the credit agencies, based in Nottingham. It does not assess creditworthiness in the same way as the other agencies - its sole purpose is fraud prevention. It is one of the most important weapons used by lenders in the continuing battle against financial crime. National Hunter will warn a lender if its checks suggest that an application is "suspect". In turn, the lender's computer may then turn down an application, without informing the applicant precisely why, or which database was checked. The vast majority of its rejections are likely to be for entirely legitimate reasons. But quite how many files National Hunter holds on individuals is unknown. And what if the "suspect indication" arises because of human or computer error - or because you presented the lender with facts that it cannot easily check? "Suspect" or "inconsistent" facts, which may cause applications to be flagged as fraud risks, can include: · Change of employer over a short period; · Differences in spelling of a surname, initial, or date of birth; · Change in driving licence number or a variation in other identification documentation; · The same mobile phone number from more than one applicant; · A substantial change in stated salary over a short period; · Income which is difficult or impossible to verify; · Applicants using details that are apparently from a deceased person. Barclaycard is a major user of National Hunter. "Every night, we send it almost all our card applications. Next morning, its computers send them back, either with OK or showing a potential fraud," a spokesperson says. "If it's the latter, then we might decide to contact the applicant, although that may depend on other factors." Mortgage lenders that we spoke to said they use the standard Experian and Equifax systems first, then decide whether to lend. Only then do they contact National Hunter to check it is not potentially dishonest. But while the system weeds out many possibly fraudulent applications, legitimate applicants could fall foul of a check for innocent reasons - you might have had a big salary increase, or simply handed over an old mobile to a member of your family. According to a recent National Hunter presentation, to be "inconsistent" there has to be "a clear discrepancy between information provided by the consumer and information found, or not able to be found or verified elsewhere". So the information you provide could be true, but it will be treated as potentially fraudulent if National Hunter cannot find enough information to check what you say. But if you question the rejection, banks will generally send a standard letter pointing you to one or more of the three credit agencies. You won't be told about National Hunter - although you have a right under the Data Protection Act to demand a "subject access request" requiring a company to reveal what it holds on you. The difficulty is, very few know about National Hunter's existence, let alone what it does. Managing director Tracy Wingrove told Guardian Money: "Any member of the public who wishes to obtain details of information we hold about themselves as individuals can request them under Section 7 of the Data Protection Act." But she agrees that "sometimes it is not that easy to know about us". She adds: "Our members are required to include certain key elements within the declaration/fair processing notices section of their application forms. The wording should indicate that applicants can find out which fraud prevention agencies are used and the method by which they can find this out. "Our members must ensure that this information is made readily available to the applicant and preferably by means of a dedicated telephone contact number. If you ask your bank, it has to tell you about our existence." Wingrove says banks should not turn someone down simply on the basis of one of its alerts. "Our rules say members can't make automated decisions. We would be concerned if banks did that." The information commissioner, responsible for data protection issues, has expressed "strong views" on rejecting applications on fraud suspicion grounds alone, realising that no database is 100% foolproof. Firms involved with fighting fraud recognise there is a clash between those who believe visibility harms fraud prevention and those who believe better knowledge of what can happen to a false application is a deterrent to potential fraudsters. Wingrove accepts that National Hunter could be more visible. "We are providing a service to cut back on fraud and on identity theft. But we are happy to take Guardian Money's comments and concerns on board, and to address the issue of our low profile. We are moving to reveal more of our decision making over the next few months." • National Hunter's website is nhunter.co.uk. Its address is N Hunter Limited, PO Box 2756, Stoke-on-Trent, ST6 9AQ. It has no telephone or email address for the public to use. This info below is from www.companieshouse.gov.uk Name & Registered Office: N HUNTER LIMITED 100 BARBIROLLI SQUARE MANCHESTER M2 3AB Company No. 04546325 Status: Active Date of Incorporation: 26/09/2002 Country of Origin: United Kingdom Company Type: PRI/LTD BY GUAR/NSC (Private, limited by guarantee, no share capital) Nature of Business (SIC(03)): 7487 - Other business activities Accounting Reference Date: 31/12 Last Accounts Made Up To: 31/12/2008 (SMALL) Next Accounts Due: 30/09/2010 Last Return Made Up To: 24/10/2008 Next Return Due: 21/11/2009 Previous Names:No previous name information has been recorded over the last 20 years.Branch Details There are no branches associated with this company.Oversea Company Info There are no Oversea Details associated with this company. There we are its not so secret anymore

They did the same to me. Absolutely disqusting . They give no notice and do not care if you have any other arrangements in place. They appear to be doing this to hundreds possibly thousands of people. It is time we got some answers from HSBC which ofcourse is their parent company.