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INTRODUCTION
This Blog is dedicated to making public some of the business activities and methods of Liam Collins, David Bone Jr and their associates. In the spring of 2010, the present authors invested in Collins & Bone (C&B), who were offering an enticing 8-10% interest on the basis of buying houses for cash, renovating them and letting them out to students. We were assured that our money was secured against houses that they owned, including their own homes and the properties held by their associated company, Castle & Gatehouse (C&G). We have emails and brochures that confirm these details, as do others who invested on this same basis at around the same time. The idea worked for us for over a year, then in November 2011 they told us they were insolvent. They refused our every request for clear accounts, which led us to suspect wrongdoing. We began an investigation and then started this Blog. We found our suspicions confirmed: other investors had lost sometimes quite large amounts to C&B and its predecessor CBS, and all requests for repayment were adamantly refused. These people use and have used so many names that we found it necessary to compress them into CoBo (for Collins & Bone) and Coboco (for the whole bunch of them – there are quite a few!) Note that there is an index in the margin at the right hand side.

Monday, 16 July 2012

COBO, LPA RECEIVERS AND MORTGAGE DEBT

LPA Receivers have been appointed for twenty-three of CoBo’s houses. They are Zolfo Cooper (http://www.europe.zolfocooper.com/) and their agents, Winterhill Largo. The receivers have not yet decided on a strategy for the houses, but all tenancy agreements will be honoured.

But what are LPA Receivers?  Here’s the clearest definition we’ve found:

‘Law of Property Act (LPA) Receivers act for banks and private lenders who have secured their loans by a Legal Charge (mortgage) on a property. Under the terms of the Legal Charge the lender can appoint a Receiver to deal with a property when the terms of the mortgage are not being met – usually when repayments and interest are not being paid. LPA Receivers are experts who can manage the property, deal directly with occupants, outstanding problems, insurance and repairs. To repay the debt, Receivers collect in money from rents or sell the property.’

It is important to note this is not the first time LPA Receivers have taken control of CoBo’s properties. It has happened at least twice before—in July 2008 for two months and from May 2009 to April 2010. Which means that their mortgages were so far in arrears at those times that MX took drastic action. Also, those of us who invested during these periods were in all likelihood giving them money to pay off their mortgage arrears so that they could receive rental income from the houses again.

Just how financially incompetent, irresponsible and plain stupid does one have to be to receive the full market rental from a property and not bother to pay the mortgage? And how cynically deceitful it is then to persuade others to hand over their money on the basis that you are running a successful property company! CoBo and associates have made others pay dearly for their delusional business activities.

2 comments:

  1. http://www.landlords-uk.org.uk/lookathouse.asp?propertyid=75194

    This person, I belive one of their agents (cobo), seems to still be letting out property in that particular area

    ReplyDelete
  2. We should prepare ourselves for some shocks as the truth unfolds over the next few months and years. We'll see from the timing of their actions that the Likely Lads only wanted to save themselves (and associates) at the cost of all others.

    ReplyDelete