I Was on the Telly Today - Horrible Fraudulent Eviction Story.

Potr said

Jon Dow said

 

I went to Nottingham to film the unlawful eviction attempt of a man called Tom Crawford.

Without wishing to be the nitpicker, but surely if the B&B had a court order then it was a lawful eviction attempt?

Don't get me wrong, I think the laws relating to bailiffs and the debt collection industry are a disgrace and desperately need of reforming. But until that day (which can't come soon enough IMHO) we are stuck with the system we have. In in this case, it does seem that the system will follow course.

There is always a need for those pioneering cases which prove to be the catalyst for change, but this isn't that case. Honestly it seems his case is a little weak.

I am not suggesting the "people" should roll over and play dead, simply that this is maybe not the case to get behind to drive through change.

It was a Mickey Mouse Warrant, with no wet ink Judges signatures, no Court Seal, no "PRINTED NAME" of the actual man or woman Judge or Magistrate under the squiggle signature. AND, the bailiffs WILL NOT even show the warrant.

All they have is a County Court Order - this is NOT a Warrant of Eviction, or an Eviction Notice. And there are NO ink signatures, only a PDF copy of a supposed illegible squiggle. Whenever a Policeman arrives with a REAL WARRANT, they immediately hand it over to the property owner, it has an official Court Seal, a Judge's signature and their full name. This legally and lawfully means that they [the signatory] are "accepting liability in the matter". of course, none of them would dare. 

This leaves the asset management company who picked the remains off the Bradford & Bingly estate (the Government! and Santander) to hire bailiffs to try and evict Tom without actual warrants.

Yes, it all sounds fucked up and far fetched. But sadly, this is happening 250 times per week in Nottinghamshire alone.

Edited by Jon Dow

Jon Dow said

TimG said

There is a way to stop this kind of thing, but it requires concerted action by a lot of people. Everyone who feels an injustice has been caried out should withdraw their money from Bradford and Bingley.

It doesn't matter if 'they are all the same', because one colossal kick in the balls to one of them will make the others think twice.

The best thing is that it is completely lawful. How to oganise it is another matter. It  would require a campaign for a few weeks and then an agreed date to be set for everyone to go into their local branches and transfer their savings to another society or bank.

Edited by TimG

B&B was acquired part to Santander and part Nationalization (yeah, thought as much) so the people who received the asset management are the ones chasing the money. And there is a cut of it for the court, the solicitors, the bailiffs and the bank.

EdT said

I would be much more convinced if Tom Crawford produced the documentation to back up his claims.

Every year your mortgage provider sends you a statement saying how much you have paid in your repayments, how much of this is interest, how much of it was capital and how much of the capital remains to be paid. With this he would be able to show whether or not he has been paying an endowment, and is so how much money has been paid towards that policy.

Instead, on his video, his proof of fraud just rambles on with all the customary FOTL crap about whether fees were paid to courts, and who signed what orders. The OP does the same thing.

All of that is totally irrelevant, what is in question is whether he has been paying a repayment mortgage, an endowment mortgage (and, if so, how much of the capital the endowment policy will pay) or an interest only mortgage, in which case it is totally normal that he would now have to pay the capital.

There must either be paperwork B&B can produce or not. If he didnt signed anything then the Bank is duty bound to return the home owner to the positon he would have been in had the Bank not made a mistake.

He should ask the Bank to produce the signed paperwork. If they can't produce anything then he should complain to the Financial Ombudsman or FCA (Financial Conduct Authority).  If they do produce paperwork then he has consented to the changes made.

Malachite Photography said

Jon Dow said

TimG said

There is a way to stop this kind of thing, but it requires concerted action by a lot of people. Everyone who feels an injustice has been caried out should withdraw their money from Bradford and Bingley.

It doesn't matter if 'they are all the same', because one colossal kick in the balls to one of them will make the others think twice.

The best thing is that it is completely lawful. How to oganise it is another matter. It  would require a campaign for a few weeks and then an agreed date to be set for everyone to go into their local branches and transfer their savings to another society or bank.

Edited by TimG

B&B was acquired part to Santander and part Nationalization (yeah, thought as much) so the people who received the asset management are the ones chasing the money. And there is a cut of it for the court, the solicitors, the bailiffs and the bank.

EdT said

I would be much more convinced if Tom Crawford produced the documentation to back up his claims.

Every year your mortgage provider sends you a statement saying how much you have paid in your repayments, how much of this is interest, how much of it was capital and how much of the capital remains to be paid. With this he would be able to show whether or not he has been paying an endowment, and is so how much money has been paid towards that policy.

Instead, on his video, his proof of fraud just rambles on with all the customary FOTL crap about whether fees were paid to courts, and who signed what orders. The OP does the same thing.

All of that is totally irrelevant, what is in question is whether he has been paying a repayment mortgage, an endowment mortgage (and, if so, how much of the capital the endowment policy will pay) or an interest only mortgage, in which case it is totally normal that he would now have to pay the capital.

There must either be paperwork B&B can produce or not. If he didnt signed anything then the Bank is duty bound to return the home owner to the positon he would have been in had the Bank not made a mistake.

He should ask the Bank to produce the signed paperwork. If they can't produce anything then he should complain to the Financial Ombudsman or FCA (Financial Conduct Authority).  If they do produce paperwork then he has consented to the changes made.

Tom Crawford and his large team of Solicitors have repeatedly asked for the papers. B&B have claimed to have lost them. Tom has taken this to the High Court. But, when he followed the correct track, via County Court, then Magistrate's Court, the lower-grade courts did not feed Tom's paperwork to the High Court, but instead filed it under "B" for Rubbish. This led to administrative arguments regarding "out of time appeals" and Tom has all the proof, video recordings of him at the courts, with his solicitors, at the Poice stations entering al lthe documents into the case notes with date and time proof.

Edited by Jon Dow

Jon Dow said

Answer me this:  WHAT WOULD YOU DO IF YOU HAD PAID YOUR FULL MORTGAGE THEN ENDED UP DISCOVERING YOU OWED THE SAME AGAIN?

Edited by Jon D

As I said, I would need to see the actual statements detailing what was paid and to whom.

Forget all the crap about corrupt magistrates etc. That is all irrelevant.

If he has been paying a repayment mortgage, then he should expect to pay nothing. If he has been paying an endowment mortgage, then there is very probably a shortfall. Interest rates 25 years ago were much higher, so it is very likely he would have to top it up. If it were an interest only loan then he would expect to pay the full amount of the mortgage at the end.

If all the documents are online (i.e. proof of what he has paid and to whom), post a link to them, I don't want to suffer his youtube video again.

Jon Dow said

* Exampoles of FMOTL "crap" are when a free man or woman goes into one of the bent courts in this country and claims Common Law - which is their human right to do so under the 1215 Magna Carta, but the judges just ignore them and proceeed in "Admiralty Law" mode - Law of the Sea / Commercial Law.  The courts falsly and agrerssively force men and women into consenting that the Admiralty Law is in power and that the courts do not need your consent to proceed. Do some basic research and see for yourself. FMOTL paople are upping their game because WE are sick to the back teeth of being pushed around by government, banks and the courts.

That is a very good example of the pseudo-legalese crap I'm talking about.

Then he should complaint to the FCA - they have to keep them for the term of the mortgage + 6 years (statute of limitations)

While ch 5 show us videos of benefit cheats, another 1.1 trillion euros was pumped into the European banking system last week and we barely raised an eyebrow.  Who does this benefit other than bankers?  This story (albeit tragic) is another example of the banking system clawing back its debts.

EdT said

Jon Dow said

Answer me this:  WHAT WOULD YOU DO IF YOU HAD PAID YOUR FULL MORTGAGE THEN ENDED UP DISCOVERING YOU OWED THE SAME AGAIN?

Edited by Jon D

As I said, I would need to see the actual statements detailing what was paid and to whom.

Forget all the crap about corrupt magistrates etc. That is all irrelevant.

If he has been paying a repayment mortgage, then he should expect to pay nothing. If he has been paying an endowment mortgage, then there is very probably a shortfall. Interest rates 25 years ago were much higher, so it is very likely he would have to top it up. If it were an interest only loan then he would expect to pay the full amount of the mortgage at the end.

If all the documents are online (i.e. proof of what he has paid and to whom), post a link to them, I don't want to suffer his youtube video again.

Jon Dow said

* Exampoles of FMOTL "crap" are when a free man or woman goes into one of the bent courts in this country and claims Common Law - which is their human right to do so under the 1215 Magna Carta, but the judges just ignore them and proceeed in "Admiralty Law" mode - Law of the Sea / Commercial Law.  The courts falsly and agrerssively force men and women into consenting that the Admiralty Law is in power and that the courts do not need your consent to proceed. Do some basic research and see for yourself. FMOTL paople are upping their game because WE are sick to the back teeth of being pushed around by government, banks and the courts.

That is a very good example of the pseudo-legalese crap I'm talking about.

Ed, I know all of this. I know it until I am blue in the face. Tom signed a Fixed Term Mortgage over 300 installments, 12 months per calendar year. Six years before the end, B&B changed it without telling Tom, to an Endowment. When Tom found out, he complained and B&B sent him and his wife flowers and chocolates with an apology. Tom was led to believe they had corrected it back to the fixed term. Come the end of the mortgage, guess what.

Oh dear, "pseudo legalese"?  We the people are having our rights shit all over. I am not blaing you for not knowing all about it and I am not pointing the finger at you for arguing against it's logic. But put the time in, go and read the old dusty books and find out for yourself. And in my above FMOTL statement I was also explaining that I know it does not work, because the corruption in the courts are as such that they just ignore the defendants and get on with their treason. So the new 'rules of the game' are that we play THEIR rules. We learn Legalese - their language. We use it against them for a change. We also use THEIR rules regarding Commercial law, in that Contracts and Signatures mean everything.

Lastly, if the courts HAD provided a real Warrant of Eviction (or whatever they want to call it) then that would mean the Police would have it in their possession and would bash Tom's door in and throw him out on the street. As it happens (and this is quoted from the Chief Constable at Nottingham Police) "This is a Civil matter and lies wholly in the hands of the Bailiffs". In other words, the Police will not get involved in the liability either. The whole world is watching this one.

Edited by Jon Dow

Nick L said

While ch 5 show us videos of benefit cheats, another 1.1 trillion euros was pumped into the European banking system last week and we barely raised an eyebrow.  Who does this benefit other than bankers?  This story (albeit tragic) is another example of the banking system clawing back its debts.

Have a read of Wiki's Bradford & Bingley page. Essentially, the government bailed them out, took half of the asset possession (mortgages) and Santander had the rest. The government are the real underwriters of the chasing after Tom's house.

"Bradford & Bingley's shareholders were not reimbursed for their shares which the government had taken over. Over 300 shareholders complained to the UK Shareholders Association that they had not received information relating to the fate of their holdings" - Wiki

Just like this, B&B decieved Tom by altering his mortgage without telling him or getting his consent.

Jon Dow said

Ed, I know all of this. I know it until I am blue in the face. Tom signed a Fixed Term Mortgage over 300 installments, 12 months per calendar year. Six years before the end, B&B changed it without telling Tom, to an Endowment. When Tom found out, he complained and B&B sent him and his wife flowers and chocolates with an apology. Tom was led to believe they had corrected it back to the fixed term. Come the end of the mortgage, guess what.

So, where is the proof of this simple fact. Not all the warrants, etc. etc. Those documents, nothing else.

If he was suddenly switched to another scheme, this will show up in his annual statements. All I am asking is that we see these in order to make up our own minds.

Ah....... not to ask the obvious but has anyone on behalf of the home owner attempted to obtain a staying order [or an injunction] on the the bailiff's attempts to evict? Even in the case of the CCJ there would have been proceedings at some point. This stuff simply doesn't happen in a vacuum wrapped in a time warp. The whole story stinks to high heaven but I can not, for the life of me, discern from which side the odour originates.

QOTD

"The fault, dear Brutus, is not in our stars / But in ourselves"

- - - Shakespeare: Julius Caesar: Act 1, Scene 2

Studio36

Ahhh....

"Last year a judge ruled against the couple and ordered them to pay off the sum or face eviction."

I doubt very much that was done in a vacuum either.

Studio36

Edited by Studio36UK

EdT said

Jon Dow said

Ed, I know all of this. I know it until I am blue in the face. Tom signed a Fixed Term Mortgage over 300 installments, 12 months per calendar year. Six years before the end, B&B changed it without telling Tom, to an Endowment. When Tom found out, he complained and B&B sent him and his wife flowers and chocolates with an apology. Tom was led to believe they had corrected it back to the fixed term. Come the end of the mortgage, guess what.

So, where is the proof of this simple fact. Not all the warrants, etc. etc. Those documents, nothing else.

If he was suddenly switched to another scheme, this will show up in his annual statements. All I am asking is that we see these in order to make up our own minds.

Do you not listen? Tom has presented ALL of the contracts and signatures to the courts in the battle that took them up to the 1st eviction attempt in July 2014. His own solicitors were at the front line yesterday, trying to get to speak to the bailiffs and ask for THEIR papers in return, along side the white van AND the black S-Class Mercedes. The bailiffs had nothing to give or say. And they have never had the correct papers and will not give them (pass them over / slide them over).

Basically, what you are saying is that "You" don't believe "Me" because this is Purple Port and there is far too much arrogance and deliberate disagreement amongst several and certain people, and that "My" word that "I" have seen the documents is not enough. Well, why don't YOU come to the next one, if there has to be one and see for yourself?

And B&B were notorious for not communicating with their customers in the last several years of their bank being in business.  Not just in this instance.

The ONE EXCUSE that this and other banks who are doing the same use is this:  "The bank reserves the right to Power of Attorney" which is posh talk for "Fuck you, customer, if we want to change your entire signed contract to suit us, at a time that suits us, and not tell you about it, then so be it".

Edited by Jon Dow

Edited by Jon Dow

Studio36UK said

Ahhh....

"Last year a judge ruled against the couple and ordered them to pay off the sum or face eviction."

I doubt very much that was done in a vacuum either.

Studio36

Edited by Studio36UK

You're right. It wasn't a lone case. 250 people per week are being evicted and harassed without the proper court warrants in Nottinghamshire alone.

Also, the court stand to get a cut of the £43,000 if the property was repossessed. 

Edited by Jon Dow

Studio36UK said

Ah....... not to ask the obvious but has anyone on behalf of the home owner attempted to obtain a staying order [or an injunction] on the the bailiff's attempts to evict? Even in the case of the CCJ there would have been proceedings at some point. This stuff simply doesn't happen in a vacuum wrapped in a time warp. The whole story stinks to high heaven but I can not, for the life of me, discern from which side the odour originates.

 

QOTD

"The fault, dear Brutus, is not in our stars / But in ourselves"

- - - Shakespeare: Julius Caesar: Act 1, Scene 2

Studio36

The family and Tom's solicitors, Legal AND Lawful teams have all repeatedly complained to the courts, the police, filed (on video) a request for arrests of the bailiffs with immediate effect. But the police ignore it all. There are brand new videos of Tom and his solicitors at the police station AND court yesterday, going up on YouTube.  Just YouTube Tom Crawford, then set search criteria to recent first.

Believe me, the bank is trying to make an example of Tom because of their stupid supposed "Power of Attorney" rule. But Tom has signed contracts from him and the bank (the originals) stating he only agreed to a fixed term, 25 year, 300 installment mortgage, and NOTHING else.

Jon Dow said

EdT said

Jon Dow said

Ed, I know all of this. I know it until I am blue in the face. Tom signed a Fixed Term Mortgage over 300 installments, 12 months per calendar year. Six years before the end, B&B changed it without telling Tom, to an Endowment. When Tom found out, he complained and B&B sent him and his wife flowers and chocolates with an apology. Tom was led to believe they had corrected it back to the fixed term. Come the end of the mortgage, guess what.

So, where is the proof of this simple fact. Not all the warrants, etc. etc. Those documents, nothing else.

If he was suddenly switched to another scheme, this will show up in his annual statements. All I am asking is that we see these in order to make up our own minds.

Do you not listen? Tom has presented ALL of the contracts and signatures to the courts in the battle that took them up to the 1st eviction attempt in July 2014. His own solicitors were at the front line yesterday, trying to get to speak to the bailiffs and ask for THEIR papers in return, along side the white van AND the black S-Class Mercedes. The bailiffs had nothing to give or say. And they have never had the correct papers and will not give them (pass them over / slide them over).

Basically, what you are saying is that "You" don't believe "Me" because this is Purple Port and there is far too much arrogance and deliberate disagreement amongst several and certain people, and that "My" word that "I" have seen the documents is not enough. Well, why don't YOU come to the next one, if there has to be one and see for yourself?

And B&B were notorious for not communicating with their customers in the last several years of their bank being in business.  Not just in this instance.

The ONE EXCUSE that this and other banks who are doing the same use is this:  "The bank reserves the right to Power of Attorney" which is posh talk for "Fuck you, customer, if we want to change your entire signed contract to suit us, at a time that suits us, and not tell you about it, then so be it".

Edited by Jon Dow

Edited by Jon Dow

I get the impression you're not reading anything. It seems that this guy claims to post everything on the internet. What he posts are all the eviction papers. What you claim to have seen is what, for some reason (which smells of a giant rat to me) the guy refuses to post on-line. His mortgage statements. If they are online, a simple link will suffice.