You publicised it, you jerk

I have done a little video demo of how to apply to Financial Conduct Authority for authorisation to conduct regulated activity (mortgage admin) with a special focus on if you have a trading name different to your principal name. I hope you enjoy it, especially Computershare

Video showing process by which a financial institution can carry out authorised business through a subsidiary or trading name in the UK mrkt (source:@theFCA). It doesn’t seem Melbourne-based Computershare / Topaz Finance’s #HeliodorMortgages has done this. twitter.com/nw_nicholas/st…

The irony about my new campaign is that I had decided not to get too involved in #MortgagePrisoner campaign, despite being one. I was tired of campaigning. But I was shocked at ignorance on display at parl. debate last week so I had to dig in & immediately found illegality.

I have received a response from Heliodor/Topaz, and have replied.

Just spoken to these guys. They confirmed they used to administer mortgages, knew they need authorisation and obtained it. That’s how it should be done.

The point my detractors are missing - yes, you register trading names under your registration at FCA. So Topaz Finance trading as Fish’n’ChipsRUS. If they sell fish & chips fine. If Fish’n’ChipsRUS administer mortgages, they need separate authorisation. As many of them do.

Each person should do as they please, I will not advise anyone. But in my case I’m demanding full repayment from Heliodor of unauthorised payments, with interest, and will make no further payments to the cowboys.

Heliodor Mortgages is not authorised to administer mortgages and is committing a criminal offence. Also, probably Whistletree & Rosolite Mortgages
corruptionuk.org/?p=624 via Corruption UK

Is your inactive “lender” authorised by Financial Conduct Authority to collect your mortgage payments? Check here - if not, they may be committing a criminal offence. corruptionuk.org/heliodor-mortg…

If I am wrong about Heliodor trading illegally, these quoted passages in my blog (corruptionuk.org/heliodor-mortg…) are meaningless.

There are other mortgage prisoner “companies” that are similar to Heliodor in that they are not regulated by the FCA. Trading name DOES NOT give authorisation. I will not name them, but people can do own research.

My “lender” Heliodor, is committing a criminal offence. Are you going to stop them?

Heliodor Mortgages is not authorised to administer mortgages and is committing a criminal offence. corruptionuk.org/?p=624 via Corruption UK

More trouble for BBC Chair Richard Sharp corruptionuk.org/?p=616 via Corruption UK

Overcharging by Scottish Power - add your story here corruptionuk.org/overcharging-b… corruptionuk.org/?p=505 via Corruption UK

Bent Union Officials - Episode 1 on Vimeo vimeo.com/685226046

Incredible really. Years of these guys banging on about flags and love of country. But behind closed doors they're getting shitfaced and dancing as the Queen mourns alone.

All his life this is how people have treated Johnson. But he’s not a child - he’s the Prime Minister. Those backing him have neither self respect nor respect for us whom they are elected to serve. Shameful people. Shameful dishonourable people trashing our country.

Was just talking to a driver on the ferry. He spent 4 hours in sevington collecting his export docs , then 2 hours in the lanes getting into the port , 2 hours to get his ticket and 2 hours waiting to board . That’s 10 hours before you’ve gone anywhere . Said he’s ready to quit