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Total Number of Property118 Comments: 333

Richard Kent

21:17 PM, 1st February 2015, About 7 years ago

Mark Robert Alexander vs West Bromwich Mortgage Company High Court Judgement

Reply to the comment left by "Mark Alexander" at "01/02/2015 - 21:08":



Good luck with any Appeal.

Richard... Read More

Richard Kent

20:41 PM, 1st February 2015, About 7 years ago

Mark Robert Alexander vs West Bromwich Mortgage Company High Court Judgement


Although some of you have found some of my comments harsh and slightly blunt and maybe offensive I strongly believed you would win this case and I hope you win the appeal if there is one.

Let’s suppose for a moment though that you had won this case in the first hearing and the lender then called in the mortgages. I have read elsewhere that the lender asked this specific question of the Court and the Court confirmed the lender was entitled to do this if they had lost the case.

Bearing this in mind, and not losing sight of the philanthropic sentiment to this case, this being the wider positive impact on the industry. Based on the above scenario would you put your answers to the following questions………….

Q1 Knowing before the legal action that the lender was likely to call in the mortgages in the event of a loss (their loss) why did you still go ahead with the legal action?

Q1a Were so many of the borrowers in a position where they could not remortgage before the legal action was mounted?

Q1b I appreciate the impact that a win would have had on the mortgage industry generally but this would/might not have benefitted the borrowers of this legal action in the long term in the event of the lender calling in the mortgages immediately after the win. Please could you comment?

Q2. Now that you have the judgement do you think that it is likely the lender will consider hiking the rate further as an excuse to hit back at the borrowers and under the guise that they did it to cover some of the costs of fighting the legal action or some other spurious reason?... Read More

Richard Kent

17:32 PM, 22nd January 2015, About 7 years ago


You guys could possibly help your case more by writing a kind but personal letter of plight to Paul Doerr, the Clerk of Justice Teare here:

You could emphasise the human aspect of this hike and the impact it has had on your lives.

It could sway the decision in your favour.... Read More

Richard Kent

19:43 PM, 3rd April 2014, About 8 years ago

Property118 Members vs West Bromwich Mortgage Company

Reply to the comment left by "Mike L" at "03/04/2014 - 12:18":


I’ll reply to your comment because you read my post in context and gave what I thought was the most sensible reply.

I did read posts from Onslow’s and Man From Nowhere and I will take them as comments rather than well thought out arguments.

Let me pick up on the points you have raised………

1. I don’t think anyone, least of all me, would have ever chosen to be in this fight with WB. However, now that we’ve been forced into it, there is a part of me that’s actually ENJOYING the proceedings.

I understand why you would feel like this but from an outsiders point of view it seems a waste of time to take relish poking fun at WBBS as the only thing that will matter is a win. Poking fun at them does not ensure a more victorious win and can often make a case seem weaker.

2 There is big bully out there that’s taking money out of my personal account without my agreement. There is no way I’m going to sit back and watch ‘him’ do it over and over again, especially when there is so many of us in the same position. It feels good to be part of a group that’s standing up to the bully.

There is a big bully out there. I agree with the rest of your point but only to the point of its overall effectiveness. You have not sat back and neither has this campaign. But there comes a point where you should sit back, unburden yourselves, relinquish control and let the legal process take its course. That’s why you each paid your £1000. You are each paying to have Mark Smith, an expert in his field deal with this for you.

3. It’s therefore no use telling us all to sit back and not do the things that are making us all feel better.

I appreciate that you feel that my words are suggesting you do nothing but I refer to Point 2 above and the fact that you have contributed to a legal fund. That's why you have the privilege to relinquish control and hand over to the legal process.

4. It’s not going to happen. It’s too late for that. There is too much momentum that ‘s been built through others’ hard work.

Nothing has sped up beyond control and handing over the reigns to the legal process does not mean anyone is giving up.

5. On that note, if there is anyone out there still unsure weather to join the party please be assured it feels really good to be involved, so please join in. There’s still time. It’s not too late for that!

I agree that you should encourage as many people as possible to join in.... Read More

Richard Kent

11:21 AM, 3rd April 2014, About 8 years ago

Property118 Members vs West Bromwich Mortgage Company

Reply to the comment left by "Onslow Clough" at "03/04/2014 - 10:01":

Onslow, I think your efforts are praiseworthy.

However, without wishing to sound harsh this goes back to the points which I raised yesterday.

When you put aside all the enthusiasm, 'spin' and acts of ingratiation generated on this website you are left with significant events and milestones.

Right now the Media and borrowers are waiting for a win at Court.... Read More