Paul Brindley

Registered with Property118.com
Friday 1st November 2013


Latest Comments

Total Number of Property118 Comments: 85

Paul Brindley

9:38 AM, 25th August 2015
About 5 years ago

Bank of Ireland increase differential on tracker rates

Just for clarification - I have seen some posts on the Property Crash forum suggesting that I am part of an organisation called 'Brindley Legal Services', who are well known to lenders, before going on to make some broad assumptions as to why the Bank of Ireland have shied away from a fight with me.
By way of clarification, I am not in any way involved with any organisation called Brindley Legal Services, in fact I've never heard of them, I am an accountant and am not a lawyer or quasi lawyer. I do not approach lenders the way they suggest. I have no reputation with lenders. And every one of their assumptions over why I might have beaten the Bank of Ireland or where they might find out why are wrong. In fact, absolutely everything they have said is rubbish.... Read More

Paul Brindley

8:41 AM, 13th August 2015
About 5 years ago

Bank of Ireland increase differential on tracker rates

Reply to the comment left by "MADOONA G" at "12/08/2015 - 00:22":

What many if you may be missing is the fact that sometimes the borrower will have used a lawyer who the bank introduced to deal with the mortgage. That lawyer owes a duty of care to both the bank with which it has a separate agreement and the borrower, putting them in a position of conflict. And then they fail to advise the borrower in writing that there was a possibility under the terms of the loan that the bank could increase its differential, this is negligence committed by a professional owing a duty of care to the borrower and at a time when they're conflicted, enabling a disgruntled borrower to bring the lawyer in to any legal action either as a co defendant alongside the borrower if the bank is taking action against the borrower say on a repo attempt by the bank or as a co defendant alongside the bank on any action the borrower is taking against the bank. And my experience is lawyers' professional indemnity insurers tend to settle well before any bank would. Something to think about ...

By the way, given that I'm now bring bombarded with emails of new posts to this forum by people who appear to have woken up thinking there's a chink in the bank's armoury and are looking for free lawyer and other advice and help but wouldn't put their hands in their pockets when asked to, I'm unsubscribing so won't be ravaging any responses to the above point I made about the position of conflict some lawyers will be in.... Read More

Paul Brindley

18:38 PM, 6th August 2015
About 5 years ago

Bank of Ireland increase differential on tracker rates

This is good news, really good news... I have the figures to show that any level of increase is unlawful so I wouldn't worry too much about the potential inconsistency in those two paragraphs. This is a real chink in the B of I's defence of their position. Let's now decide how best to kick the door in in these b-st-ds!... Read More

Paul Brindley

12:04 PM, 17th July 2015
About 5 years ago

Bank of Ireland increase differential on tracker rates

Reply to the comment left by "Paul Anderton" at "17/07/2015 - 11:23":

Paul, I'm not angry at all, I just believe in telling it the way it is. The truth can appear, I guess, to resemble anger sometimes. And you're right, no one is begging me on the forum, but that'[s just the forum and you have made an assumption there and assumptions are dangerous things. Like the one that there would be a positive WBBS decision that would ease the way forward. And I'm giving my views freely in support of a fellow professional who I see as having given his all and having been taken for a ride by the 99.9% - sure probably not you, but almost all the rest. So I have huge sympathy for him and none for the 99.9% who sat on their hands content to see a guy driven to do the right thing for them taken for a ride. If that's sounds angry I'm sorry, but it's the undeniable truth, and it needs saying. Mark is, I guess, just too polite to say it.... Read More

Paul Brindley

8:32 AM, 17th July 2015
About 5 years ago

Bank of Ireland increase differential on tracker rates

Mark, you know my views on this. I can say things as a complete outsider - I'm neither a B of I borrower nor have I spent anything like the time you have - in helping out a friend I came across this B of I issue, and was able to help him out. My view? The 11,488 are sheep with no back bone. The law of the jungle applies out there, they got what they deserved - to be ripped off - and that's what it was, plain and simple, a scam. Sometimes in life you just have to say 'F - this, I'm not going to allow that to happen to me, let's take them on' - and just 0.1 per cent had the moral fortitude and courage to do that. I'd think long and hard before spending your time again trying to protect the public again if I were you - you only have one life to live, we're all short of one thing, time, and frankly the 11,488 are not deserving of your or my time. You, me, all the professionals have far better things to do that waste our time on the 99.9%. Yet they were all very willing to whinge and whine - as evidenced by the fact there are 173 pages just on this part of the forum - and then nothing! Shameful. Oh, and I don't give a damn if this upsets the 99.9%, your views aren't worth a candle.... Read More

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