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Ditto with the work Brassed. Whatever they are smoking mate it is always burning it seems..I look forward to hearing which road you go down next and will post you my letter when finished and ready to go. Keep up the good fight mate.

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Thanks PWG...looking forward to viewing your letter:D.

 

Think i could do with a sniff of their aromatic smoke..it might help make sense of some of their typed up hallucinations:p...

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 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Hi Bo2

 

Back On Line Now After Knee Op

 

Let Me Know Any Developments So I Can Catch Up

 

Good to see you back Post....keep up with the knee exercises..or your Physio will on your case!!

 

Recd all sar back now...no sign of underwriting sheets...but we didnt expect to receive them did we!!;)

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 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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For some strange reason i have received a Final response to my complaint letter, this interestingly has arrived from the branch manager at my local branch...I dont recall entering into correspondance with them...all my complaints are adressed to compliance.

Apparently i have brought it to their attention, the secured loan dispute... (compliance & secured lending team ..yes. Local muppetts ..no)

They have reveiwed all outstanding issues and thank me for remaining patient while the matter was under investigation.

After looking into my complaint they have found the loans in question are secured loans and not mortgages (think i established this 4 months ago) The loan term however is now 300 months due to the loan ###### being rewritten in july 200#. This restructured the loan over a longer term with a reduced interest rate. The new account number is ######(no sh1te sherlock)

I hope you are sattisfied with the outcome of our investigations.

 

letter ends with the usual 8 weeks from the date of this letter regarding this matter, i will close my file on your complaint...blah...blah....

 

Are they admitting they know loan #6 is unenforcable, and they are closing the book on that?? (i should wish).

This guy has deffinately had a space cake too many, because i havent got a clue to which complaint he is supposed to be referring to?

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 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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this is looking good

so they at last admit they are secured loans, not a mortgage

 

well any thing under 25 k is a secured loan, not a mortage

 

so why the mortgage indemnity fee

 

explain that one welcome:grin::grin:

 

sabre rattling time me thinks

 

go get them

 

Thanks Post

Is there any legislation in black and white that i can quote to them?

If my memory serves me right i think i found it on the fsa website a while back... or is there anything more substanciating?..sorry really have got brain freeze with this lot at the moment...a push in the right direction would help!!

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 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Thanks Post

Is there any legislation in black and white that i can quote to them?

If my memory serves me right i think i found it on the fsa website a while back... or is there anything more substanciating?..sorry really have got brain freeze with this lot at the moment...a push in the right direction would help!!

 

 

Just had confirmation back off CRA, that welcome have requestd they amend the incorrect data on our files, secured loans showing as mortgages, they have also requested the cra ammend the incorrect loan term of 181 to the correct term of 180...lets see how long this takes.:D

 

I have also received a reply to one of the missold ppi complaints, bearing in mind they have totally chosen to ignore the 'Dont insult our intelligence letters sent to them in october' it reads like this;

 

Thankyou for your letter received xx september, regarding your recent complaint, re agrreement references loan#1.

 

The issue(s) you have raised are still under investigation and we hope to have a final response sent to you in due course. I would like to take this opportunity to thank you for your patience in this matter.

 

Should you remain dissatissfied with our final response you can escalate your complaint to the fos within six months of the date stated on the enclosed final response letter.

 

Now am i expecting them to reply with a final response letter dissagreeing with the missold ppi....you bet i am, i guess it will be here anyday soon!!

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 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Hi Brassed. They really are a slimey load of *ankers I must say.. I can only assume these are all stalling tactics after all they are not going to admit anything and hope you will back down and stop !!! If you are anything like me I intend seeing this the whole way through..With you fellow victims by my side it gives me more and more confidence that we will beat these bully cheats and one day watched them drown in a pool of lies and deciept they stand for.. Soz to hear about the car and pc by the way Brassed lets hope you get both sorted sooner rather than later as your input on here is valuable to all. Shame you were not aroung lastt night when the Welcome rep was on..

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Update so far

 

Miss-sold ppi has now gone well past the 8 week deadline.... so have today made it official with the FOS....who are now requesting Welcome to respond.,

 

Complaint logged, in relation to the settlement penalty interest charged on the accounts.... welcome to respond via the FOS.

 

Mortgage indemnity fee..complaint logged with the FOS... even they cannot understand how aN £8k loan can warrant this charge, as it does not represent 75% of the property LTV.

 

Once all paperwork is received from fos...i have to make sure i list all the other relevant complaints to it, so when it comes around for the adjudicator to look at it, everything will be there!! In other words, in a round about way, he expects it to go to an ajudicator ...because...it is Welcome we are dealing with!!!!

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 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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since this biz with mif and welcome with secured loans not mortages has opend up a can of worms

 

keep me updated on this one

 

welcome will have a lot of explaning to do to the fos on this one

 

as i said as its a charge for credit, it invalidates the agreement

 

let me kno when it goes to the ajudicator as i will put a letter together with all the ugly facts and cons for you to send

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since this biz with mif and welcome with secured loans not mortages has opend up a can of worms

 

keep me updated on this one

 

welcome will have a lot of explaning to do to the fos on this one

 

as i said as its a charge for credit, it invalidates the agreement

 

let me kno when it goes to the ajudicator as i will put a letter together with all the ugly facts and cons for you to send

 

 

Cheers for that Post...will do!!

It made it even better when i explained to him that i do have it in b&w off welcome and the CRA that they are deffo not mortgages they are secured loans, and that our cra will be ammended to say so ... try and get out of that one Welcome :D

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 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Update so far

 

Miss-sold ppi has now gone well past the 8 week deadline.... so have today made it official with the FOS....who are now requesting Welcome to respond.,

 

Complaint logged, in relation to the settlement penalty interest charged on the accounts.... welcome to respond via the FOS.

 

Mortgage indemnity fee..complaint logged with the FOS... even they cannot understand how aN £8k loan can warrant this charge, as it does not represent 75% of the property LTV.

 

Once all paperwork is received from fos...i have to make sure i list all the other relevant complaints to it, so when it comes around for the adjudicator to look at it, everything will be there!! In other words, in a round about way, he expects it to go to an ajudicator ...because...it is Welcome we are dealing with!!!!

 

 

Good things happening here Brassed, PPI moving along nicely....

Wonder why they will only answer to FOS regarding the settlement penalty interest ? Strange. That MIF situation is going to be a big one for all of us, it was on all of my early agreements which I will claim back + interest.

Make sure you get everything down on the FOS paperwork,maybe Post will do you a cracking letter to go with it !!!

I would love to see you beat these cheating bullies !!!!:D

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I hope we can get a possitive result with this MIF, it has niggled at me from the year dot...If it takes a step in the right direction...then i will be happy, because if it helps just a small handful of people who have been ripped off, then i will be satisfied welcome have been kicked in the gonads!!

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 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Me too it has not appeared on my last two agreements but was on all the others. MIF being the right word really considering we are all wondering why it is there !! The acceptance fee gets me..£235 spread over ten years + interest, what a con. And of course that Settlement Penalty Interest which has no doubt made them millions over the years.

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The net is closing in on them PW!! Only time will tell...im sure we can remain patient for a little while longer.

Shame on me ..the acceptance fee... note to self!..add it to my fos list.

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 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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We can hope and do our little bit. I was really hoping they would go down a.s.a.p. without a fight but now I am sort of hoping they hold on a little while so we can inflict a bit of pain on them for our own amusement. I would love to beat them and they owe us !!

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  • 2 weeks later...

Following on from my complaint's to the FOS, regarding the MIFs, settlment penalty interest, and the missold PPI.

 

Welscum responded to the MIF, and penalty fees complaints with 2 seperate letters to advise me they are investigating .....

 

now a week later...

Still no acknowledgement regarding the PPI....?? WONDER WHY!!??

They really are trying to sweep this one under the carpet....

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 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Ime Waiting With Baited Breath The Response To The Mif

 

Its Got To Be Good

 

This Is Going To Bust Welcome Wide Open

 

Dont Let Them Off The Hook

 

Me too Post!!:D

 

The way the Fos have worded it, has really left no room for them to deny it...

"Complaint relates to a mortgage indemnity fee that was placed on a secured loan for the value of 8k, main mortgage on property is not with welcome finance" :D

Really dont think they can squirm out of this try as they might, but i'm sure their reply is going to be priceless!!;)

 

Any ideas Post as to why they have still not acknowledged the PPI complaint yet?:confused:

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 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Another update...

Received my usual regular telephone call from the lady at the LMB,:D i couldnt help myself ...(letting off steam, after heated debate with car insurance company 2 minutes prior to her call)...gave her the wrong password for the account..which flumoxed her, she advised that she couldnt discuss the account with me untill she had the correct password...told her she would be in for a long wait ... anyhow I advised her, that she needed to contact compliance who had all the FOS complaints to deal with...her response to this, in sheer frustration advising me that they never tell them anything or pass it on to branch!!! so i reeled off the 3 FOS complaint refrences and asked her to, and find out why they are not forthcoming in acknowledging the ppi complaints and let me know...i had her knickers in that much of a twist that she even thanked me for calling....

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 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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loan number 6 pictures by B-O-2 - Photobucket

 

Ok! Having just looked through the 2nd dsar that i have in my possession, i have just noticed a couple of things in relation to the current secured loan #6.... or is it????? and loan #5

 

The secured loan details and payments sheet. for loan #5....in the top left hand corner, i would expect to find my husbands name....seems that he has changed his name at some point to that of a ' FRED BLOGGS' ??

 

and Loan #6...Welcomes, Welcome covering letter stating the monthly repayments and terms letter refers to a 'PERSONAL LOAN'

£XXX.XX FOR 300 months, does anyone know if it is possible to get a personal loan for 300 months?? , on a unsigned fixed sum loan agreement regullated by the cca 1974, copy of legal charge unsigned by them, with the usual copy and paste jobby signatures....help!!!! i need to put this one to bed, can anyone assist with the unenforcability issue/ letter/....Post are you around, could really do with your assistance on this one before you go out of action, please..pretty please!!! grovelling to you Oh GREAT ONE......I know you are very busy..pleeeease.

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 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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