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Archive for April, 2009

House is retiring

House has decided to retire. The reason being that House will shortly have no need to work as House is about to come into great riches for all House needs to do is follow the instructions in these emails House received today.

NOTE: House would strongly recommend that people do not reply to these sorts of emails! Some may think that an obvious thing to say but some folks, for a variety of reasons, do sadly.

1. URGENT ACTION HIGHLY NEEDED‏

Dear Friend,
I know that this mail will come to you as a surprise as we have never met before, but need not to worry as I am using the only secured and confidential medium available to seek for your foreign assistance in a business. I am contacting you independently of my investigation and no one is informed of this communication.

My name is Dr. Ali Abou. I am the bill and exchange manager in African Development Bank.I Hoped that you will not expose or betray this trust and confident that I am about to repose on you for the mutual benefit of our both families.

 

I am writing in respect of a foreign customer of our Bank who perished along with his next of kin with Korean Air Line, flight number 801 with the whole passengers on 6Th of Augustus 1997 and for your perusal you can view this site

 

                                                 
Since the demise of this our customer, I personally has watched with keen interest to see the next of kin but all has proved abortive as no one has come to claim his funds of US$10.3M (Ten Million Three Hundred Thousand United States Dollars) which has been with our branch for a very longtime..

On this note, I decided to seek for whom his name shall be used as the Next of Kin since nobody is coming for the fund again. The Banking ethics here does not allow such money to stay more than 12years, because the money will be recalled to the Bank treasury as unclaimed fund after this period.

 

In view of this I got your contact through the Internet when I was making a research for a foreigner that I will use in this great opportunity because I don’t want the money to be recalled to our Bank treasury as unclaimed fund.

 

I am offering you 40% of the total sum if you agree to execute this transaction with me and the rest 60% will be for me.

 


The reason for a foreigner in the business is for the fact that the deceased man was a foreigner and it is not authorized by the law guiding our Bank for a citizen of this country to make such claim.

 

This is the reason while the request of you as a foreigner is necessary to apply for the release and transfer of the fund smoothly into your reliable Bank account.
If you are really sure of your integerity, trust worthy and confidentiality, and accept not to cheat or disappoint me after this business, reply with your telephone and fax numbers and Banking account details where you wish to receive the fund.
Upon receipt of the above mentioned informations,indicating your interest in the business,I will draft and send to you by fax or e-mail a letter of application which you will re-copy and send back to our Foreign Remittance Department in our Bank, for easy execution of the transaction.
I will not fail to bring to your notice that this business is hitch free and dont have any negative implication .Please you should not entertain any fear as I have made all modalities for the smooth and easy transfer of this fund to your account. This transaction will be completed within 14 Bank working days immediately we start the business.
Please observe utmost confidentiality and be rest assured that this transaction would be most profitable for both of us because I shall require your assistance to invest my share in your country immediately after the transaction.
Waiting for your urgent response and please kindly delete if you are not interested.
Regards

 

    
Dr Ali Abou
African Development Bank.

 

+226 75 46 10 26
2.
URGENT ACTION HIGHLY NEEDED
FROM: ZONGO ALI.
BANK OF AFRICA (B.O.A)
OUAGADOUGOU BURKINA FASO
WEST AFRICA
 
DEAR FRIEND,
I KNOW THAT THIS MAIL WILL COME TO YOU AS A SURPRISE. I AM THE BILL AND EXCHANGE MANAGER BOA BANK HERE IN OUAGADOUGOU BURKINA FASO.
 
I HOPED THAT YOU WILL NOT EXPOSE OR BETRAY THIS TRUST AND CONFIDENT THAT I AM ABOUT TO REPOSE ON YOU FOR THE MUTUAL BENEFIT OF OUR BOTH FAMILIES.I NEED YOUR URGENT ASSISTANCE IN TRANSFERRING THE SUM OF ($25.6)MILLION IMMEDIATELY TO YOUR ACCOUNT.THE MONEY HAS BEEN DORMANT FOR YEARS IN OUR BANKHERE WITHOUT ANY BODY COMING FOR IT.
 
I WANT TO RELEASE THE MONEY TO YOU AS THE NEAREST PERSON TO OUR DECEASED CUSTOMER(THE OWNER OF THE ACCOUNT)WHO DIED A LONG WITH HIS SUPPOSED NEXT OF KIN IN AN AIR CRASH SINCE JULY 2000.I DON’T WANT THE MONEY TO GO INTO OUR BANK TREASURY AS AN ABANDONED FUND. SO THIS IS THE REASON WHY I CONTACTED YOU, SO THAT WE WILL RELEASE THE MONEY TO YOU AS THE NEAREST PERSON TO THE DECEASED CUSTOMER.
 
PLEASE I WOULD LIKE YOU TO KEEP THIS PROPOSAL AS A TOP SECRET AND DELETE IF YOU ARE NOT INTERESTED.UPON RECEIPT OF YOUR REPLY,I WILL SEND YOU FULL DETAILS ON HOW THE BUSINESS WILL BE EXECUTED AND ALSO NOTE THAT YOU WILL HAVE 40% OF THE ABOVE MENTIONED SUM IF YOU AGREE TO TRANSACT THE BUSINESS WITH ME.PLEASE CONTACT ME THROUGH THIS E-MAIL ADDRRES (zongo.ali61@yahoo.fr)
 
THANK’S AND HOLPING TO HEAR FROM YOU
MR.ZONGO ALI.
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A House pondering

House sees many clients who have an interest only mortgage who also don’t have any method by which they intend to pay off the outstanding amount at the end of their mortgage.

House realises this might not be an issue for those people who intend to downsize and whose property has shot up in value but supposing that house prices don’t increase at the rate that they have done.  What will happen to all these people sitting on interest only time bombs?!

House wonders just how many people got out interest only mortgages at the height of the market and what the future holds for such people.

A rather simplified pondering admittedly but House wonders whether this is a problem or not.

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Two issues that have popped up recently and House would appreciate some obviously informal views on them.

1) If a Local Authority takes a ‘Homeless application’ from a person and places that person into accommodation under sec 188  is another LA obliged to take a ‘Homeless application’ from that person if approached or can they say ‘it’s reasonable for you to continue to occupy your emergency accommodation so no reason to believe you may be homeless off you trot back to LA number 1’?

2) If a person is accommodated under 188 could they ‘withdraw’ their application and approach another LA as homeless or is there a danger they might be found IH?

House thinks that in 1) the LA don’t have to take an approach and in 2) the LA could try it.

Is House mad? Should House be a Housing adviser?

Should House move to Australia and bbq steaks on a beach in the sun?

House has never liked multiple applications…

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New homeowners mortgage support begins

 

New support to help homeowners remain in their homes if they fall on difficult times will be available from today, announced Housing Minister Margaret Beckett. 

 

Homeowners Mortgage Support (HMS) will enable eligible borrowers who suffer a temporary loss of income to cut their mortgage interest payments for up to two years to help them get back on track with their finances.

 

This new support will be available throughout the UK and builds on a range of measures the Government has already put in place to ensure that repossession is always a last resort.

 

From today, the following major high street lenders will offer their customers HMS: Lloyds Bank Group (which includes Halifax and Bank of Scotland), Northern Rock, the Royal Bank of Scotland (which includes NatWest and Ulster Bank), Bradford and Bingley, Cumberland Building Society, and the National Australia Bank Group (which includes Clydesdale and Yorkshire Bank).

 

A number of other banks, building societies and specialist lenders have also confirmed today that they will offer their customers HMS as soon as possible. These are Bank of Ireland (which includes Bristol and West), GMAC, GE Money, Kensington Mortgages, the Post Office and Standard Life Bank.

 

Lenders offering HMS will have the security of a Government guarantee if the borrower defaults.

 

At the same time, four other high street lenders, Barclays (including First Plus), HSBC, Nationwide and Santander (including Abbey and Alliance and Leicester) have all confirmed today they will offer comparable arrangements to HMS to their customers, while opting not to take up the Government guarantee. Customers of these institutions experiencing a reduction in income and willing to make regular monthly payments will receive a similar level of support and be encouraged to seek independent money advice.

 

As a result of today’s announcement, lenders covering more than 80 per cent of the mortgage market will now be providing enhanced support to their customers. Borrowers will receive independent money advice as part of these changes to help them make the right decisions for their circumstances.

 

Margaret Beckett said:

 

“We know that many families are worried about how to pay the mortgage right now, and we’re determined to ensure there is real help available for them.

 

“Today’s news is a result of excellent co-operation between Government, lenders, and money advice services.

 

“On top of the range of measures we’ve already put in place, this new support will help borrowers who just need a bit more time to get themselves back on their feet.

 

“The clear message to borrowers is to contact your lender straight away if you’re concerned about how to pay the mortgage as often a solution can be found.”

 

The Government will continue to work with smaller lenders to encourage as many as possible to offer HMS or comparable arrangements for their customers in the future. HMS does not provide consumers with a payment holiday.  The mortgage interest payments that have been deferred will eventually have to be paid back.

 

The enhanced support agreed by lenders today will be underpinned by FSA regulation and the Financial Services Ombudsman to ensure customers are treated fairly.

 

Since the autumn, the Government has put in place a range of measures to give more protection to households at risk of repossession. This includes a new pre-court action protocol for all the main high street lenders, quicker and more extensive support to home owners who have lost their job, a scheme to enable the most vulnerable home owners to stay in their homes, and a major extension of free debt and legal advice.

 

Statistics released today show that, on average, each month more than 2800 people in England and Wales who are at risk of losing their home benefit from free, immediate legal advice and representation in Court, thanks to the Housing Possession Court Duty Scheme, run by the Legal Services Commission.

 

Duty advisers are available on days when repossession cases are heard and are available to anyone, regardless of their income, who has a hearing listed on that day.  Almost 34,000 people across England and Wales used this service last year, an increase of more than 5000 compared to 2007.

 

More info HERE

 

 

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Grr, Clients

House has a client who decided to swan in 5 hours late for an appointment having already missed one appointment. House couldn’t see said client but client is begging for another appointment. House is rather tempted to not make room for this client, at the cost of other clients.

House thinks he’s being a bit mean but really some clients do take the biscuit, so to speak.

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202 review time claiming

House is suffering from over time claiming worries and thinks he is rather – when it comes to section 202 reviews. By the time House has got the file, perused it and done (on average) a 4 page letter (including refreshing himself on relevant caselaw with a view to putting in some funky quotes) he has often taken about 4 or 5 hours but then only claims 3 ish. Is 4 to 5 hours excessive! House understands no case is the same but wonders how other folks do reviews and on average how long they take (ish).

House thinks that he should just claim the time it has taken to do it!

EDIT: In all but the most exceptional of cases House will peruse the file and interview the client before putting his submissions together but it still takes House a good lot of hours to put them together!

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The CLP in Birmingham are fab.

Enough said 🙂

House was going to give a link to their website but House doesn’t think they have one!

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