Robinhood2013
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Everything posted by Robinhood2013
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Hi, Its good of you to join the millions of the so called home owners who have been subjected to this fraud and have been conned into signing away all rights over their property. We are all being taken on the ride of a life time by the Bankers and no body gives a toss or cares. Including but not limited to FOS-FCA-FSA-HM Courts-Judges-HM Goverment-MPs-HM Land Registar-Companies House who are all involved in this conspiracy. Good luck, Let us know how you get on.
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No sorry, My GMAC loan was sold on to another company far worst that GMAC for which I am in a battle with, Why are they repossessing you? Perhaps I can help point you in the right direction to address the issue.
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q Good day to you, I am sure that I didn't post it 10 Times, If you know other wise, please show proof or stop making a mountain out of a mole hill! And by the way it takes time to learn, we can't all be computer whiz kids. If I have done some thing to upset you I am truly sorry, I dont wish for you to blow your fuse,save that for something of importance.
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Lenders receive more complaints than our goverment for 2013!
Robinhood2013 posted a topic in General
http://www.consumeractiongroup.co.uk/forum/showthread.php?421564-I.C.O.-inform-us-what-we-knew-already-lenders-rank-highest-for-DSAR-complaints -
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Yes I agree with you 100%, I would think that a good barrister is the better way to go. Solicitors/Lawyers are waste of time and space, they are pen pushers. I too have tried it on my own in court, at the time I dont know what made me try, perhaps I had watched to many Perry Mason re runs. Complete madness on my part, Don't know what I was thinking. Anyway to cut a very long story short I was found in-content of the court and a warrant for my arrest was issued after I told the captain where he could put his court, That was a few years ago when I lived in the states. I try my utmost to avoid the courts and Judges at all costs, However they tend to catch you during your life time and I have now got a nice closed illegal county court hearing coming up this June related to council tax arrears, I am doing my best to force the council to back down and I have managed to get them to understand that I not the type to roll over and act dead then they shown complete disregard for civil court rules and procedures. Which town or city do you live in ? I live in London near Shepherds Bush. Do you have to deal with Arseden Ltd ? How long have you had your loan ? Mine was obtain from GMAC RFC in 2005 after which it went run about's for a while and then ended up belonging in so called interest only to SPML, the real owner is of course is one of the Eurosail PLC,s, which just happens to be a so called charity trust setup by lehmans before they went belly up. I dont mind spending some money if we have some chance of winning, But how are we going to get the other folks interested to join us, Perhaps we need to setup a closed forum as this one has its rules and regs which would restrict us a little. Maybe we should try using youtube to make the folks aware how they are being taken to the cleaners by the likes of SPML and other toe rag lenders. By the way the toe rags are not going to just sit back and let it happen, so we would need to have our wits about us. Perhaps we could set up a funny web site to mirror that of Arseden or SPML. I am sorry if there are any mistakes in the above reply, I suffer from being dyslexic which does not help when you have to deal with smart arse lawyers and Judges. By the way one of my daughters is at law school first year and she said some thing very funny today after spending a week working for a firm of solicitors for her work experience part. She said"Dad why would any one wish to become a lawyer then you dont need to be, you only need to know the law to make money"
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Sounds good to me, Would be easy to obtain from land registry for a small fee, addresses of ever one who has a mortgage with the lender concerned in my case SPML and we then could send out letters to them all explaining whats going down ,offering them to join our class action. We could play the same games as the mortgage companies play and perhaps set up a charity company to do this. In fact the only way to stand up to them is in a large group. I am ready and willing to offer my time for this, the question is, who else is ? Any one else got the bXlls for this,sign up here.
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Sorry forgot to add, Why dont you phone them( recorded the call so you have a record) by the way you really should tell them you are recording however make sure you keep your children away from the record start button . What ever they decide or may suggest to you over the phone demand it in writing from them, Get the name of the person you speak to.
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Are u working ? Go to CAB and beg them to help you. I would take the children with u it may work in your favor. You have to send every thing by recorded post, As you can,t trust Acenden. Who is your lender? when did the mortgage start? have u been in arrears before? have u been taken to court before for arrears ? Dont delay you need to address this ASAP as time is running out. Above all just keep calm and you will sort it out!
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Yes you are right, and I do not apologize for the fact that I am very frighten after not realizing until 2013 that I will be left to me in a few years time to pay a big lump sum. Yes yes yes many of you will say he should have known better or its his own fault. But is it ? nether myself or my wife understood anything about mortgages at the time of signing and wrongly believed and held images of the friendly bank manager and believed that we would be getting a product not unlike building Societies and Banks use to offer their customers. We did not understand at the time that the loan was in fact a trumped up tenancy agreement in which our property would be used as the holding deposit. And yes yes and yes again we make no apolgizes for being uninformed or re tarted when it comes to mortgages or not understanding the lenders T&C. Just look at all the people who take on loans with Wonga. You suggest I SAR the broker if he is still around, what information if any would that turn up apart from showing he received a big commission payment ?
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Well I will no doubt surprise you and you may find it funny that until beginning of 2013 my wife and I did not know any thing at all about the loan which we took out in 2005 using a broker. No we dont have any repayment plan setup for then the loan interest only payments end in a few years time. To busy bringing up four children and keeping a roof over our heads
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Well as I am still paying for my loan and have been doing so since 2005. And because with the SAR package I received in 2013 came accounting records for 2005 along with copies of many letters for 2006,7,8 I do believe its 12 years, knowing my lender as well as I do, I can assure you if it was indeed only five years they would have dumped every thing as soon as the five years had pasted which in my case they didn't do, When I chased them up for the missing accounting records for 2006,2007,2008 they stated in their written letter reply the following: {We are unable to retrieve the account records from our system} Assuming by retrieve they mean: { get or bring (something) back from somewhere} and system means: {computer} We can assume they are unable to access the data or recover it from their computer system. (and pigs can fly) However i may be wrong as we are dealing with bankers here and they can create new meanings for any thing, they create money out of thin air. Being logical I think it would be OK to assume its longer that 5 years.
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I understand nothing can prevent my loan being securitized, and you learn something new every day. I wrongly assumed that America was responsible for inventing it. However I do believe the American banksters are behind the present day perfection of if here in the UK with the likes of lehmans and Ms Amany Attia now CEO of Acenden Ltd leading the way. In respect to the insurance what diffidence does it make if you refuse to include the SPV name on the policy or if you refuse to make your payments in the name of the SPV as I have. As to dealing with Acenden ltd this is another matter as every time I contact them and ask why this or that has happened I am fed a complete bunch of lies which they expect me to believe. I suffer from high blood pressure and my wife is a 64 year old long term diabetic and its very hard for us to except and come to terms with that back in 2005 we got conned by a smart arsed GMAC broker into an agreement and loan which has a POA giving the loan owner every right under the sun to do what ever he needs in relation to our estate which is worth much more than the loan amount lent. Regarding the house fire this was at another property belonging to my eldest daughter. Well we will have to put up with it and as you said stop fussing about what will happen when our interest only loan comes to the end of its life in a few years time.
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Thank you for taking the time to explain. I lost most of my own documents in a house fire in 2012, that why I sent the lender an SAR request.
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Why would you every think I am barking up Apples tree, did it get anywhere ? Yes it may all sound familiar and yes I admit I followed what was going down in the property chamber. I am not fussing about anything,Just trying to understand whats happening and looking to find anything of value that may help just put a stop to the bulling tactics of some lenders who are too deceitful for their own good. I have first hand seen what went down across the pond to poor family's who got taken for one hell of a ride by the banksters. And by tnhe way what makes you think I am in arrears?
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Knowledgeable persons mortgage questions. Is there any way I can find out who actual funded my mortgage loan ? Would I have signed a deed of trust along with my mortgage deed at closing and if I did how can I obtain a copy. How can I obtain the loan under writers documents ? Is it true that UK companies have a requirement to file mortgages and charges at companies house within 21 days. How to audit my mortgage loan with three years accounts missing, Have account records before missing data and after. Lender/loan owner unable to retrieve three year of my accounts apparently.
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Please see:http://www.consumeractiongroup.co.uk/forum/showthread.php?419241-Lenders-may-be-hiding-incriminating-data-for-years-2006-2007-2008
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If any one has had problems getting detailed data from lenders or loan owners for the years 2006,2007,2008 like statements of your account with them, please let me know as I will be taking up the issue with the ICO in respect to my own lenders short comings and would be happy to include details of anyone else who has suffered this type of abuse. Lenders or loan owners may state in their response/reply to your SAR request by giving any one of the following excuses below or words to the effect,they may make up something else to fob you off. They may just ignore you and not include any accounting data for the above years in the SAR package they send you,hoping you will not notice. This is abuse and is illegal. 1.Unable to retrieve data from their computer systems. 2.Lost data due to fire or water damage. 3.Data deleted in error. 4.Data removed and deleted under lenders own data protection policy.
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Yes Statements issued before missing period and statements after. And missing one are not within 6yrs from today. They are not saying they have lost them but that they can't retrieve them from their computer system. And pigs can fly. By the way they must keep accounting records for 12 years which would include copies of statements.
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`Yes my loan was sold on. The new owner of the loan has already sent the SAR package including copies of most of the documents they hold, How ever they included a nice letter stating that they are unable to retrieve 2 years accounting records, which is their very nice way of saying we dont wish you to have them or we have lost them. They are just trying to cover their own butts from something which will be illegal trust me on this one. And it is not just my loan owner doing this, others for same years are also doing the same thing, I smell a RAT!
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No, I think its England as they still fly that white flag with the red cross on it.
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Thank you, I will check out mcobs and see what comes up.
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Does anyone know approx how long the ICO take to investigate a complaint ? I hope its not as long as FOS
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DP issue all ready with ICO I am awaiting outcome of their investigations. I am not after a mortgage/debit free property as I know this will not happen, I just need to have some thing on them as the loan owners have a track record of chasing after properties which have equity in them by inventing arrears. The other thing is that they hold a POA over me. Loan was made for a lease hold flat, but in their terms and conditions it states should I obtain the freehold they automatically then become the owner of the freehold. They might as well have just put the following statement at the bottom of the mortgage deed. " UNDER THIS DEED YOU HAVE NO RIGHTS WHAT SO EVER" Do you know the property chamber case details ?
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No I am not at all against securitisation, I just wish I had been inform up front by the lender that it may be force on me when I took out the loan. My problem is the way its done and the down right deceitful way the banksters hide every thing from us, I am also concerned because my loan owner is trying to pull a fast one when he states in his letter to my SAR that he is unable to retrieve two years accounting information. He is not Joe Blogs with a £300.00 laptop from PC world who knows nothing about data protection or backups, But belongs to muilti millon group of companies so what the hell is going on. It would appear that many such loan/mortgage lenders are losing information for the same years. Something is just not right, what are they afraid of ? What are they hiding from us ?
