9 years and still fighting

9 years and still fighting

18:34 PM, 31st October 2018, About 5 years ago 72

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Anybody had a Buy to let Mortgage with Chelsea Building Society? Between Circa on or around 2009 you are likely to have been over charged in interest.

If you have been repossessed around this time then you need to check your figures.

I had four properties repossessed and a member of the Network of Independent Forensic Experts (NIFA) confirmed I was not (2 months in arrears) at the point of Repossession.

My fight continues 9 years on.


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peter cookson

10:06 AM, 3rd November 2018, About 5 years ago

How minuscule can an anomaly be ?

My anomaly was a £4 reduction nobody knew what my £4 reduction was the Loan started at £91,481 ,after 5 months went down too £ 91,477
My Mortgage was a Fixed Rate for (25) months
So My Accountant did not know , neither the Solicitor or Barrister.

But the Lender did? But kept it secret.

The £4 my friends was a hidden (£191.00) overpayment I have to say I am considered a” genius” . I had to check the terms &Conditions and relate that into the Lenders actions , find a 1st Breach of Contract ,they took £191.00 extra in the very first payment hid the £191.00 but only gave me back the interest the £191.00 made equalling £4.

The conclusive proof of me being 1m% correct always Lay in the Digital Account Breakdown which they would not supply.

Even the judge could not make nor tail of how can you have a credit of £4 on a “ fixed rate” interest only mortgage.

The Lenders barrister said it is hardly worth going into my Lord it is such a trivial amount , the Judge agreed.

The fiddle was so powerful and the knew it , because the Annual Statement only shown the Capital Sum as £ 91,477 if it had shown the ( DAB) £91,290 they would of lost the “ strike out”

I am considered a pain by

The ( FCA) ( FOS) ( BSA) ( SRA) Justice Salmon Lord Justice Soole , Lord Justice Floyd ,and many more the are all feared of this getting out.

Lord Justice Munby
Agrees to my statement that it is illegal to “ Double Bill” however he was swiftly moved from the “ Civil Courts “ to the “ family Courts “
I wonder why.


10:20 AM, 3rd November 2018, About 5 years ago

Wow, just been reading about it. This is insane …. and as bad as PPI. The banks and building societies have been potentially at best charging you twice and at worst doing both and then screwing the customer over for breach of contract.
I may as well be living in a third world country as far as right and wrong is concerned.


10:22 AM, 3rd November 2018, About 5 years ago

But the FCA has stated that the BS has now to write to you about their error and then you will have them by their short and curlies….right ?

peter cookson

13:50 PM, 3rd November 2018, About 5 years ago

The FCA will not acknowledge me because I know to much , I have been told to watch my back , that is why I constantly keep going on (bloggs” etc they will not silence me.

( PPI) is nothing .

Richard Adams

13:55 PM, 3rd November 2018, About 5 years ago

I thought that because Landlords, ie BTL mortgage borrowers, are not considered to be consumers by the FCA they offer no protection to them anyway? For Peter's situation I would have thought they would just decline to become involved period.

peter cookson

14:53 PM, 3rd November 2018, About 5 years ago

Yes but if the Lender is regulated you have that as a starting point .
They have to answer so technically you are covered.

Richard Adams

14:55 PM, 3rd November 2018, About 5 years ago

If you say so. Last time I contacted them about an issue they said irrespective of what it was being a landlord I was not a consumer so get stuffed!


15:04 PM, 3rd November 2018, About 5 years ago

Reply to the comment left by Richard Adams at 03/11/2018 - 13:55
Richard - Remember the B of I managed to scam customers that had Bristol and West pre 2004 contracts. The FCA then ruled a certain term be taken out post 2004 mortgages so could not renege on set T and C s as base rates collapsed. BTL: may not be regulated in the same way however a contract is a contract and an unfair one that is set up to trip up someone would be deemed unlawful. I have to assume that the interest payment was a push payment and not a direct debit to allow the alleged " breach" to have been triggered.


15:08 PM, 3rd November 2018, About 5 years ago

Peter - why at the time did you not move your mortgage ?

peter cookson

16:48 PM, 3rd November 2018, About 5 years ago

Direct debit

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