Member Info for nick2723

Lloyds

MOTOR FINANCE UPDATE

Further to the recent FCA announcement on the final rules for an industry wide redress scheme for motor finance, the Group has now undertaken an assessment of the implications and impact of the final rules. Further to this analysis the Group does not currently believe any change to the provision for this issue is required.

There remain a number of uncertainties including response rates, operational costs and any litigation. The ultimate outcome may also differ dependent upon potential actions by various parties, including legal proceedings and complaints. An update will be provided as appropriate with the first quarter results at the end of April.

The Group remains committed to ensuring customers receive appropriate and timely redress.

Please, someone, explain what Llodys mean with this RNS? Are they saying they are not going to challenge it?

Sorry to be a bit dim, but it looks like legal rubbish to me.

S&U PLC (LSE:SUS), the specialist motor and property financier, says the Financial Conduct Authority's (FCA) updated motor finance commission redress scheme will cut the number of its eligible customers by half.

https://www.proactiveinvestors.co.uk/companies/news/1089890/s-u-says-fca-redress-scheme-will-halve-eligible-motor-finance-customers-1089890.html

Thank you, Terry, for your comments and thoughts. I agree.

I follow your actions by trying to trade, especially DEC, but I find it lying flat at the moment, so it’s difficult. This always causes me worry as another, GREAT deal, could make us far lower.

Is this the market's, mine, or Rusty’s fault for not understanding exactly what's happening?

Looking at other companies: -

ECOR. SP - 150 ↓ 60 ↑ 140. Target 190. Blamed CEO, he collected other bits, kept debt low, gave him time, proven correct?

SC (SolidCore). SP - 1500 ↓ 200 ↑ 600. Target ??00. Fault Mr P. CEO collected Tin (Gold too high, electronics moved to Tin, up 40%). No debt, build POX – no Russia, then divi and LSE. Shares from Tabys to AIX, SC pay the costs. Giving CEO time, 3/5 years. Correct?

DEC. SP - 2000 ↓ 900 ↑ 1000. Target 2100. Blame CEO, he collected other bits, keeps debt high. Give CEO time, hum? Will CEO be proven correct?

Feels not facts, AIMHO, DYOR. Thoughts?

Thank you for that Terry.

It does show how difficult it is to guess/work out which is the best stock to hold and who's chat to listen to.

DEC for me has been a nightmare with not selling up when they dropped i still hoped they'd get a bit close to their traders target, but not to be.

I didn't for POLY but did buy in when it hit the floor now it's covering itself. Some people dream it could be $15, but I still

Hi Terry,

What do you think of these results?https://d1io3yog0oux5.cloudfront.net/_5c382e2e89af87a373f0da9da204a3fa/dgoc/db/604/6037/presentation/3rd+Quarter+2025+Results+Presentation.pdf

Will it help the SP as we had in Solidcore (Polymetal)?

I still dream of the shares rising so that I can sell off the shares I bought at over £20 in the bad old days.

I hope we've got it today with these results, but who knows the market.

Financial highlights:

Revenue of $34,965k (2024: $22,739k) up 54%

Adjusted EBITDA1 up 101% at $15,764k (2024: $7,847k)

Adjusted PBTA1 up 130% to $14,346k (2024: $6,225k)

Adjusted earnings2 per share up 85% to US $20.8 cents (2024: US $11.2 cents)

Cash usage during operations $(670k) (2024: $262k)

Cash3 of $2,556k (2024: $4,444k) and debt4 of $3,718k (2024 $4,803k) at 30 June 2025

Chid, you make me laugh and at the same time kick the imaginary cat.

I feel I’m a recent LTH, but I lost my nerve, I panicked, and I didn’t remain cool and collected. I sold and bought the shares to try and cover my losses.

Like others, I don’t expect miracles, and if it hits £4.50, I’ll sell those that are in the green.

I'm sure that some traders/shorters will pull the SP all over the place and do something to make millions. People like me pick up the pennies.

Those helpers, if you’re in the John Constable area and need a tour/5-mile walk plus a coffee, I’ll happily give you one in return for your help.

Thank you, Knot, Liberty, and many others, including Chid, as you have to have someone to expel your anger on, even if it’s not his fault.

You all helped me stay sane during my time as a CBG holder.

I’m a teacher, I’ve had a few dealings with CBG as a saver and found them great. With a small pension, I wanted to improve things. Hence, 26th Jan 24, I bought CBG’s shares for 550.12p as I could not believe the British courts could be so stupid

I was proved wrong as the SP went below £200, where I was never brave enough to buy.

I afterwards got courage, and 64 times I bought and sold small amounts, making 8K.

Today I’m still losing £2.5K. But I have a belief that in the end I’ll be happy, thanks to everyone’s help, as I’m no trader. Thank you all.

Seems like a good update. What do others think?

I hope I'm wrong, but like others, I look at history.

Trump is a dreamer and wants to become a king, hence the three terms he's dreaming of.

How to become a King, Tzar, Dictator, etc

From the playbook of Hitler and Putin (Putin lived in Germany so he could study everything that made Hitler).

This got sold to Trump when he visited Russia?

Learn how to lie so that the uneducated people will believe you and get a few rich, gullible people to follow you. Then lie, lie, lie.

Make people afraid of you.

Then collapse the country's economy. Make people poor. Then make the economy great so they'll then worship you and let you do anything you want.

You then become King and let your family take over from you. Putin is setting up so one of his daughters will follow him.

This sounds absolutely stupid; however, is this what is happening?

This is as bad as Loopyloo's ideas but????

Trek, thank you for your reply and suggestions to help me be more successful with shares.

I also agree with 90% of what you say Terry and I'm with polymetal / Solid Core too. One day we'll be ??.

How often i dream this!

I often filler GG as I think he's lost the plot.

Trek thanks for your thought.

I decided that not only GG should say stupid things so I thought I'd join in and explain why the SP is going down.

IMHO, and I hope I'm wrong, I look at history.

How to become a King, Tzar, Dictator, etc

From the playbook of Hitler and Putin, (Putin lived in Germany so he could learnt everything).

This got sold to Trump when he visited Russia.

Learn how to tell a lie so that the uneducated people will believe you. Then lie, lie, lie.

Make people afraid of you.

Then:

Collapse the countries economy. Make people poor/nearly starve. Then make the economy great so they'll then worship you and let you do anything you want.

You then become King and let your family take over from you. Putin is setting up so one of his daughters will follow him.

This sounds absolutely stupid, however, is this what is happening?

Thoughts Trek!

This is interesting.

https://theoakbloke.substack.com/p/ecor-rigible

GLA

Thanks for your thoughts Worya. I like them and I think/hope there is a lot of potential for more profit in the future in this area.

Thank you for your comment, Terry. I too want to make money and until it's back to £20/share I'll be suffering. However with divis and a bit of trading, Trek's suggestion, (Thanks), I have managed to pull back 9K since I started holding the shares.

I'd love to read Oak Block's and others opinions but in the end, we all make our own decisions. I'll hold out for the next 2 years and see what happens with Trump.

I agree with most of Terry's points as an LTH, but my DEC holdings are still 15% in the red.

I too find it difficult to read the RNS and make sense of it, as I think Proactive Investor does as well.

I am positive about the future of the company but I'd like to ask a question to readers.

If Dec is retiring 202 wells a year and I've read somewhere it owns 69,000. Is this true?

Why have they only capped 85 for other people? Is the capping of many wells going to suddenly happen and be another large business as well?

Thanks, GLA and DYOR

As an LTH and still 20% in the red I would like to thank all those, 98%, who regularly information, especially knot.

Today one bit of information, that I thought was positive for CBG, needed to be read and contemplated.

https://www.proactiveinvestors.co.uk/companies/news/1066027/could-lloyds-banking-group-dodge-the-mis-selling-bullet-1066027.html

GLA and DYOR

Currency movement in GBP/USD is significant for CNC, not only are there a lot of sales to the USA but even contracts in Asia are priced in dollars. Benefit to the bottom line in 2025, if the pound stays at these levels.

I regularly pass the Essex factory and it's great to see so many EU articulated lorries being loaded.

Antony901

May I suggest you think hard about which charity you give your money to?

I got sold I need to pay £10/month by a professional late evening cold calling charity

Then I investigated them.

In 2021 71 had a wage above £60,000.

As they earn over £330 million, they need some well-paid executives but?

Today 183 are above £60,000

£60k to £70k 71

£70k to £80k 61

£80k to £90k 20

£90k to £100k 14

£100k to £110k 10

£120k to £130k 1

£130k to £140k 1

£140k to £150k 1

£150k to £200k 4

https://register-of-charities.charitycommission.gov.uk/

I’ve never earned about £40,000. Why am I helping them go on great holidays all over the world? I cancelled it.

I work 9 hrs in a ward every Wednesday for the NHS. ATMIT I’ve clocked up 300+ hrs and nobody earns above £60,000 for that charity.

I also could talk for hours about how the NHS needs to be improved and it’s not generally the staff.

Norma, I hope you got in below the 220s. I got 219.5 but I know it was down at 217, I didn't buy more in case it went even lower. The conspiracy theory boys often say, they drop the price to try and get stop losses triggered then they can buy cheap shares for the big boys. How do you ever work out which direction shares are going to go?

One thing that annoys me on this share is the spread. Someone sells at 214.55 and then 7 minutes later someone buys at 221.5. Then there's the commission. No wonder it's so difficult to make money on shares.

27-Mar-24 11:11:54 221.50 3,380 Buy.

27-Mar-24 11:04:15 214.55 4,117 Sell

GLA