6 Dean Mead
tHIS IS A COPY OF THE LETTER I SENT TO PLATFORM 2 WEEKS AGO THEY HAVE SAID THEY ARE DEALING WITH IT AS A COMPLAINT i COPIED IN TO THE LPA RECIEVERS AND RECIEVERS LAWYERS
Platform Home Loans
PO Box 237
I am writing to you as a result of my conversation yesterday with a member of your mortgage team.
I would suggest as a matter of urgency that this matter is passed to a senior member of the bank.
As a result of my telephone conversation yesterday I am concerned that this case has got to a point of crisis.
A property being repossessed and sold with no mortgage arrears
I am concerned that this has only become the potential end result due to a combination of inconsistencies, incorrect procedure by the bank and simple miss understandings
The purpose of this letter is to address my concerns.
A pre cursor to any potential claims by myself against the bank which at this stage can be halted, if my issues are resolved and hopefully we can arrive at a solution suitable to all parties involved
I draw your attention to the following issues
I have instructed solicitors Messer’s Boys and Maughn to deal with my claim in respect of beneficial interest regarding this property.
Boys and Maughn have been in contact with Walker Morris Solicitors appointed by Anthony Jorden and Anthony Salata of Jorden Salata appointed by you as receivers.
Walker Morris gave a reasonable explanation as to why our claim for beneficial interest is more of an argument to pursue with my father’s trustee in bankruptcy Messer Capital Brooks.
With exception to the fact they mention, my claim for equitable interest in the property does not affect the ability of the lender to enforce its security.
I believe when you unpick the circumstances in this matter there is an issue regarding the ability for yourselves as the lender to enforce security.
In February 2013 I paid over the phone with my debit card the outstanding mortgage arrears and 3 mortgage payments in advance.
I did this on the understanding that the property would be taken out of the receivers control and handed back.
There was never on acceptance of this payment and acceptance of the 3 month mortgage payments in advance any suggestion that this was a payment on behalf of my father but a payment from me to regain control of the property.
Surely any reasonable person would agree that if this was not the agreed situation why I would make the effort to undertake such a payment
This arrangement was subject to a further 6 months payment being made on time, and the completion of an income and expenditure form.
I m sure there is no disagreement that the mortgage was paid on time, I think it is easier for your accounts department to check it was by direct debit from my account (RF Kent Trading as Evolution sort code 30 93 34 Account Number 00225106 or by cheque from the same account.
Whilst it is fair to suggest that some of the payments were made on behalf of my father a majority of the mortgage payments were made by myself to the mortgage account to protect my interest
At a later date once the 6 month period had elapsed and payment history was evidenced to be satisfactory the bank would look to add my name to the mortgage therefore protecting my interest
I can recall talking to Jorden Salata who referred me to Connells and they said that this was an unusual case due to the arrears being paid and felt it was only a matter of time before the property would be handed back
I believe if you check back on your records on average I call the bank once a month to check on an update regarding this property
I raised the issue relating to my requests to have my name added to the mortgage. Letters requesting my name to be added to the mortgage were acknowledged by you requesting further authority from my father which was supplied.
I was referred to the mortgage processing team and at no stage was there any suggestion of a refusal to carry out this request.
Yesterday I was told that this would now not be possible as my father did not fall into the criteria that the bank considers lending to.
After giving yesterdays phone conversation further thought this is a situation that I feel I am entitled to more information. If what I was told yesterday is correct all of your buy to let mortgages on your books relating to people of my father’s age will now be considered as to be ceased?
I was also told yesterday that the reason the mortgage was not in arrears was not due to my payment s but due to rent al income received.
This is alarming because not only is it not true but if that was the case I can understand why the bank is taking such a course of action.
On the 22nd September 2014 I spoke to ***** *****e of Connells LPA Team.
I had previously called the bank on the same day enquiring what was happening regarding the property.
On that conversation to yourselves there was still a clear indication that it was your intention to have the property taken out of the receiver’s control.
My telephone conversation of the 22nd September raised the question of rental income being the reason why there was no mortgage arrears, the person I spoke to was then able to confirm receipts of payments from myself regarding the mortgage payments
Unfortunately the same confirmation was not forthcoming when I called yesterday
It was agreed that I would be best speak to the receivers and in turn they would speak to yourselves
The conversation with ***** *****e was concerning stressful but at least productive.
I informed ***** *****e of an attempt by Capital Brooks to sell the property having marketed it with the agent Sibley Pares.
I was aware that the receiver appointed in relation to my father’s bankruptcy authority was not superior to receivers appointed by yourselves
The conversation with ***** *****e was frank and helpful.
He confirmed Mr Mubarik of Capital Brooks had been obstructive and unhelpful in this matter
I raised the point that I believed Capital Brooks were undertaking to sell the property.
***** *****e confirmed my belief that this could not happen.
I suggested to ***** ***** that either Connells or I should take possession of the property by instructing locksmiths to change the locks.
I stood aside and allowed Connells to take this option, bearing in mind I had spoken to you on the same day the option of my name being added to the mortgage was still being considered.
I explained to ***** *****e I would need to have a contact so I could get a key to the property to arrange for a valuer to visit the property in the event that I would need to raise funds to clear the outstanding mortgage with you. I have an agreement in principle
***** *****e commented that this was an unusual situation as there were no mortgage arrears and that he would keep me updated regarding keys and access
I rang ***** *****e yesterday and he told me that the property is now being marketed again and I would have to join any other prospective purchasers and effectively bid for a property that I have an interest in.
It is due to my intervention and monitoring of this situation that you are now in the convenient position to sell the property clear the mortgage and pay the professional fees regarding the appointments made by these specialists.
Effectively disregarding my contact, interest, and requests which are unfair unreasonable and only come about by procedural irregularities and a contractual breach.
I suggest we both agree that a central problem is lack of written confirmation particularly after telephone conversations with various representatives of the bank and me agreeing a course of action. I have been in contact by phone regularly with Platform Homeloans since 2005 and it has always worked well until receivers were appointed
I believe there was always an intention to take the property out of receivers control .
Lack of documented offer and acceptance conduct was overshadowed by phone calls as if the receiver was no longer appointed in fact at one stage I believed the property had was back in our control because payments were being taken by direct debit.
I await a speedy response due to the urgency of this situation and the stress and strain it is inflicting on me and my family
Should you require I am happy to attend your offices in Plymouth for a meeting to bring this matter to conclusion?
I think this is an unusual situation bearing in mind that there are no mortgage arrears and my relationship with you over the years regarding contact, payments, and agreement to various arrangements