Tom has completely lost the plot on the EFOTB's group on FB and is completely deluded.
Tom Crawfraud wrote:Hi all, The family and I would like to thank the many Hundreds of good people who came to support us last year..........THANK YOU ALL
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This day one year ago 2nd of May, Sue and I won our court case, the criminal County Court knew it and so did Bradford and Bingley and so they conspired against us, the following is some of our defence that we placed into court, many who have followed our case did not know this information, but we are still in battle with the criminals, We will not stop We will not retreat and We will win this battle not just for us but for everyone who has been unlawfully evicted.
Tom Crawfraud wrote: 1) Bradford and Bingley changed our mortgage and we proved it in court by letters submitted before judge Godmark, on seeing this Bradford and Bingley backtracked and lied, we claimed that throughout the 25 years of payments we would not move from the fact we had an endowment mortgage and that was that as far as we were concerned we still paid it !!!!
Bradford and Bingley then agreed it was indeed still an endowment mortgage, this was to get them out of the corner that we put them in because if they didn’t they were trapped by the Unfair Contract Terms Act 1977 look this act up it is very interesting.......... FRAUD
They then went onto claim we had cashed in our endowment and supplied to the court an account number that was supposed ours, it was at this point their barrister nearly fell of her seat when I produced our account number that she had in her hands at the time but hadn’t noticed that the numbers were different, but good old Judge Godmark true to form piped up with yes! Mr Crawford but the numbers are very similar; that’s right judge Godmark the number 1 does look very similar to an other 1, and in some respects 5 does look like another 5, just try paying money into an account with just one digit wrong they wont take it, the digits were not only wrong the ones that were there were in the wrong order, stupid or criminally minded……...FRAUD!
Tom you idiot, you posted a copy of your own Mortgage Statement on youtube showing the endowment payout being credited to your mortgage account.
Tom Crawfraud wrote:2) Then we had them with checkmate with the Law of Property (Miscellaneous Provisions) Act 1989. You will have to read it all but just a taste that they didn’t do in fact they breached every part of this act………… FRAUD!
Checkmate ? The LOP (MP) 1989, was introduced after you took out your mortgage in 1988
Tom Crawfraud wrote: 3) Bradford and Bingley admitted they capitalized the arrears that we had when were late paying them when I was ill, Judge Godmark ignored the following Judgment and allowed Bradford and Bingley to commit……….. FRAUD!
Bank of Scotland plc v Rea, McGeady 2014
Bank of Scotland damned by judge as 'unconscionable' after it 'double billed' mortgage borrowers who fell into arrears
The case concerned borrowers who, after being declared in arrears, saw their regular monthly repayment jump higher, sometimes by hundreds of pounds, without their consent.
Bank of Scotland, part of Lloyds Banking Group, had 'capitalised' the arrears, rolling the missed payments into the outstanding loan and triggering higher monthly payments to clear the debt. The practice is commonly used when borrowers fall behind on payments.
However, the bank then continued to regard borrowers as in arrears and used this to start repossession proceedings against them and to seek additional payments towards the arrears.
Tom Crawfraud wrote: 4) We have also produced in court our payment books that proved there was NO!!! arrears, arrears is the only legal way they could have lawfully evicted us, so once again they lost in court on that one to……..FRAUD!
Just win one of the above and case over.
You stopped paying your mortgage, of course there were arrears
Tom Crawfraud wrote:Michael O'Deira
Michael O'Deira "What had been established and agreed by all parties was the fact that there had never been any change from an endowment to a part repayment, part interest mortgage and that the Crawfords had continued to pay out, albeit on an entirely fraudulent mortgage. In other words, the purported bank had repudiated its agreement with the Crawfords – a key tenet of Tom’s skeleton argument:
Thus, the judgment by Deputy District Judge Murray-Smith granting the B&B possession back in 2012 was void ab initio, as it was demonstrably procured by the B&B’s solicitors perpetrating a fraud upon the court, in that the Bank’s directors had repudiated the conditions of the mortgage by unilaterally changing the terms to avoid the bank’s contractual obligations, to the obvious detriment of Tom and Sue Crawford and in clear breach of the Unfair Terms in Contracts Act 1977." Read more:
http://roguemale.org/.../tgbms-cameras-are-the-new.../...
Mickey O'Deria you my friend are an idiot and responsible for the Crawfrauds losing the equity in their home with your nonsense