Banks Must Change their Culture

[MIKE770]

Re: Banks Must Change their Culture

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• Money Partners Group Co., Ltd. - 株式会社マネー ...
  
  
  www.moneypartners-group.co.jp/english/index.html
  FX trading (Foreign Exchange Margin Trading) provided by Money Partners, the first FX broker which is listed on the Hercules market. Money Partners charges no ...
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This may be them????

[MIKE770]

Re: Banks Must Change their Culture

OverviewThe Mortgage Lender Limited is trading as TML and TML Mortgage Solutions. The Mortgage Lender Limited provides remortgage, loan, and debt solutions for homeowners in the United Kingdom. It offers remortgages to homeowners who have credit troubles, such as missed mortgage payments, CCJs, and mounting debt. The company also provides debt solutions, such as individual voluntary arrangements, and debt management, as well as homeowner loans and insurance products. The Mortgage Lender Limited was formerly known as TML Financial Solutions Limited and changed its name to The Mortgage Lender Limited in 2007. The company was founded in 1999 and is based in Whiteley, the United Kingdom. The Mortgage Le...
The Mortgage Lender Limited is trading as TML and TML Mortgage Solutions. The Mortgage Lender Limited provides remortgage, loan, and debt solutions for homeowners in the United Kingdom. It offers remortgages to homeowners who have credit troubles, such as missed mortgage payments, CCJs, and mounting debt. The company also provides debt solutions, such as individual voluntary arrangements, and debt management, as well as homeowner loans and insurance products. The Mortgage Lender Limited was formerly known as TML Financial Solutions Limited and changed its name to The Mortgage Lender Limited in 2007. The company was founded in 1999 and is based in Whiteley, the United Kingdom. The Mortgage Lender Limited is a former subsidiary of Kensington Group plc.
Detailed Description

Or this may help.

[TINKEY2]

Re: Banks Must Change their Culture

This is what I find strange, they sold TML over here and it later went in to liquidation but they have TML registered in Ireland and in their accounts it states they trade in the UK and TML is a trading name on their OFT license.

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You may view a list of submissions or request a company printout which details a company's name and previous name, registered office, company type, incorporation and annual return details, charges secured against it, directors and secretary, and a list of each submission that has been received or registered. In the case of an external company, the directors and secretary are not listed, instead the person responsible for compliance and the person responsible to accept service of process are listed.
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Details

Type	Company
Number	389652
Name	TML FINANCIAL SOLUTIONS LIMITED
Address	25- 28 NORTH WALL QUAY DUBLIN1
Registered	05/08/2004
Status	Normal Effective date: 05/08/2004
Last AR Date	31/12/2011
Next AR Date	31/12/2012
Last Accounts to Date	31/03/2011

Tink X

[TINKEY2]

Re: Banks Must Change their Culture

OverviewThe Mortgage Lender Limited is trading as TML and TML Mortgage Solutions. The Mortgage Lender Limited provides remortgage, loan, and debt solutions for homeowners in the United Kingdom. It offers remortgages to homeowners who have credit troubles, such as missed mortgage payments, CCJs, and mounting debt. The company also provides debt solutions, such as individual voluntary arrangements, and debt management, as well as homeowner loans and insurance products. The Mortgage Lender Limited was formerly known as TML Financial Solutions Limited and changed its name to The Mortgage Lender Limited in 2007. The company was founded in 1999 and is based in Whiteley, the United Kingdom. The Mortgage Le...
The Mortgage Lender Limited is trading as TML and TML Mortgage Solutions. The Mortgage Lender Limited provides remortgage, loan, and debt solutions for homeowners in the United Kingdom. It offers remortgages to homeowners who have credit troubles, such as missed mortgage payments, CCJs, and mounting debt. The company also provides debt solutions, such as individual voluntary arrangements, and debt management, as well as homeowner loans and insurance products. The Mortgage Lender Limited was formerly known as TML Financial Solutions Limited and changed its name to The Mortgage Lender Limited in 2007. The company was founded in 1999 and is based in Whiteley, the United Kingdom. The Mortgage Lender Limited is a former subsidiary of Kensington Group plc.
Detailed Description

Or this may help.

The Mortgage Lender and TML KMC sold TML to the Mortgage Lender. Both companies on Companies House are dissolved.

Kensington sells loss making TML as profits jump 17%

30 January 2007

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Robyn Hall
Kensington posted profits of 17% today and announced it was selling its loss making direct-to-consumer arm The Mortgage Lender for an undisclosed sum.
Consumer appetite for direct business has dwindled since KMC first bought the business in 2002 while the cost of advertising has rocketed.
As a result mortgage originations from TML for 2006 reduced to 189m from 322m in 2005 - representing less than 5% of total completions for the group.





John Maltby, Kensington Group chief executive, says: Over the past 18 months the contribution of TML to the Kensington Group has been reducing and in 2006 it generated less than 5% of our new business.
As a result, following a strategic review, we decided to sell the business and TML will become a direct-to-consumer broker. We wish the TML team well, they have been important to the success of Kensington and we look forward to working with them in the future.

Kensington bought TML in 2002, as a direct to consumer distributor of specialist mortgages, using high profile TV and press advertising to generate enquiries for residential mortgages.
But as the structure of the mortgage broking market in the UK changed, TMLs cost-base was reduced significantly over 2005 and 2006.
A recent strategic review of the requirements and priorities for Kensington led to a decision to focus on its core business priorities in the UK and Europe.
Maltby adds: We expect the UK specialist mortgage market to remain competitive during 2007 and that Kensington will see lower levels of profit growth in 2007 when compared to the growth seen in 2006.
Kensington enters 2007 as a lower-cost group with improved credit performance and a new business offer pipeline at the end of the financial year that, at over 500m, was over 20% higher than 12 months before.
Kensington will pay a final dividend of 16p, making a total of 24p for the year and representing an increase of 12% compared to 2005.

[TINKEY2]

Re: Banks Must Change their Culture

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257,000,000 results Narrow by language Only EnglishMore


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• Money Partners Group Co., Ltd. - 株式会社マネー ...
  
  
  www.moneypartners-group.co.jp/english/index.html
  FX trading (Foreign Exchange Margin Trading) provided by Money Partners, the first FX broker which is listed on the Hercules market. Money Partners charges no ...
• Money Partners Group Co. Ltd. - Company Snapshot
  
  
  www.alacrastore.com/company-snapshot/Money_Partners_Group_Co_Ltd...
  Money Partners Group Co. Ltd. Company Profile - View the latest news, market research, credit research, and investment research on Money Partners Group Co. Ltd.Minato ...
• MONEY PARTNERS GROUP CO LTD (8732:Hercules): Stock Quote & Company ...
  
  
  investing.businessweek.com/research/stocks/snapshot/snapshot.asp?...
  MONEY PARTNERS GROUP CO LTD (8732:JP) stock price & investing information. Find MONEY PARTNERS GROUP CO LTD historical stock quotes, key competitors, stock data ...
• Related Searches for money partners group
  • Money Partners Ltd
  • Money Partners Holdings Ltd
  • YouTube Partner Money
  
  
  
  • Money Partners Japan
  • The Mortgage Lender Ltd
  • Groupon Partner
  
  
  
  
  
  

I don't think this is the same company, this one was founded in 2005, nothing to do with Kensington.

[MIKE770]

Re: Banks Must Change their Culture

I don't think this is the same company, this one was founded in 2005, nothing to do with Kensington.

oH o.k that is why I asked if it refers to this one?

[TINKEY2]

Re: Banks Must Change their Culture

oH o.k that is why I asked if it refers to this one?

I couldn't open the link on the other one.

[dogtired]

Re: Banks Must Change their Culture

Had letters from Natwest re the computer problems they say it may take until the end of August to sort out any compensation and that we would get debit interest refund of £2.03!

The downside being they appear to have already done this on the same day as the charge for interest on arranged overdraft went out!:tinysmile_hmm_t2:

[Shadowcat]

Re: Banks Must Change their Culture

History is being written in all the above posts, we will look back on these as very dark days. However, thanks to a long overdue wake up call to all and sundry that our country has been allowed to be devestated due to the greed of a few, this era is coming to an end.

Sorry if that's a bit of a speech but our result in court today was 'swift' and harsh to those that chose to pick on hardworking and law-abiding people.

Yesterday I would have said banks will not have to change their culture; today I have done a complete u-turn on that, their casino-culture has just become so yesterday. I really think the people have cracked it, well done to all and take a bow LB.

Thank you from the bottom of my heart for the strength I found on here.

[Ruby]

Re: Banks Must Change their Culture

[



Thank you from the bottom of my heart for the strength I found on here.[/QUOTE]

I couldn't have put it better myself Shadowcat!

[leclerc]

Re: Banks Must Change their Culture

Ermmm, banks change culture??? Hmmm, cynic cynic cynic ***Spoiler aler****cynic cynic cynic

http://www.bbc.co.uk/news/business-19242745

[Shadowcat]

Re: Banks Must Change their Culture

....oh leclerc....just when I thought it was safe to go back in the water.

[dogtired]

Re: Banks Must Change their Culture

Right digging done !
Kensington rates varied throughout from 2004 when we moved here fro 6,900% to 10.55% longest period was from March 2010 t0 Jan 2011 when it was 6.5000% > Went up again in April to 6.75% payments have been from a high of £962,55 to a "low" of £680 during this time we had payment arrangements in place to clear arrears and this has now been achieved.
Found another leaflet that mentions Libor and Money Partners we had this yearly until 2005.
I will try again as this did not seem to work!
As a pdf!

On the Welcome fron I approched the FSCS who told me to contact Aviva who told me to contact Direct group the reply below, not sure what to do next!

[dogtired]

Re: Banks Must Change their Culture

OK 2nd try with the insert in statement from Kensington, this was 2004/2005 we do have at least two similar with different dates note reference to Money Partners and Libor.

[mercury-the-messenger]

Re: Banks Must Change their Culture yet again Barclays "culture" re court costs 2009

previously posted as post 136 on this thread

http://swarb.co.uk/earles-v-barclays...rc-8-oct-2009/

Earles -v- Barclays Bank plc; Merc 8-Oct-2009


The claimant had lost his claim against the bank, but resisted the amount of costs claimed.
Held: The trial had been of a simple factual dispute, and the bank had failed adequately to disclose electronically held material in its possession. The bank had also, and despite having inhouse counsel, employed disproportionately expensive lawyers. The bank should receive only 25% of its costs claim. The court suggested that the bank’s difficulty might have been avoided by active costs management.As to documents held electronically, while there was no general obligation to retain such material, such an obligation did arise once proceedings were commenced.
Court: Merc
Date: 08-Oct-2009
Judges: Judge Simon Brown, QC
Statutes: Civil Procedure Rules 31.4

december 11th 2012

QUESTION has lloyds tsb got an in house legal team ???

s******** are you also appealing the costs because we have a ruling here from the court of appeal

barclays only got 25% OF THEIR COSTS

the swarb link above has disappeared but here is another viewpoint

http://www.scl.org/site.aspx?i=ne13274

simply google earles v barclays bank plc 2009 ewhc 1

TO SEE OTHER VIEWPOINTS


http://www.bailii.org/ew/cases/EWHC/...2009/2500.html

1. 85 It would, however, have been much more preferable if Costs Management had been applied during Case Management and at the Case Management Conference as per the pilot scheme in this court as part of the Review of Costs in Civil Proceedings by Lord Justice Jackson. This would have controlled the costs before they were actually spent. The Defendant was facing a litigant in person for much of this action and that places a very onerous burden on the opposition to fairly and diligently prepare the case for trial. Not many litigants in person appreciate that when they are spending nothing on legal services themselves but only vicariously so riding everything on the result vis a vis costs as well as the outcome of the action.
2. 86 Accordingly, in my judgment, the fair award of costs is that the unsuccessful Claimant should pay the successful Defendant 25% of its Schedule of Costs (including VAT) amounting to £38,517.81 – a sum that is proportionate and fair