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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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Reclaiming PPI & 'fees' on old Capstone SPML mortgage


tudorwin
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Thread Locked

because no one has posted on it for the last 2046 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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Back in 2005/6 Ocean Finance arranged a large mortgage of about £400k for me.

 

In late 2007 I was lucky to sell my house & payback Capstone/SPML. Just before they repossed it.

I still have all the paperwork.

 

Am I right in thinking I can reclaim all the charges payed to Capstone SPML.

which amounted to a lot including court costs etc , & about £25k early repayment fees,

also are they known to have included PPI in with my monthly payments, & if so can i also reclaim that.

 

Any help & advice you can give me would be gratefully received. Thanks

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you can certainly reclaim the PPI

 

cant see why not on the fees too

 

have you got all the statements?

 

if not time for an sar

 

several links below to re

 

call if you need help.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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there is info below

 

might be an idea t type in

 

reclaiming mortgage ppi

 

in our search top right

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

how is this going?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 5 months later...

Hi I am new here ,

 

Back in 2005/6 Ocean Finance arranged a large mortgage of about 400,000 pounds for me.

 

In late 2007 I was lucky to sell my house & payback Capstone/SPML. Just before they repossed it.

 

I still have all the paperwork.

 

Am I right in thinking I can reclaim all the charges payed to Capstone SPML.

which amounted to a lot including court costs etc.

 

Also are Capstone/SPML known to have included PPI in with my monthly payments, & if so, can i also reclaim that.

 

I also paid about 25,000 pounds early repayment fees,

 

can I reclaim that back baring in mind they broke our contract 1st by taking me to court.

 

Any help & advice you can give me would be gratefully received.

Thanks.

 

PS If I have posted this in the wrong place,

would you be kind & let me know where it should be.

 

Thanks again.

Edited by tudorwin
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moved to the mortgage forum

 

yes you can

but DONT get fleeced and lose +30% + 20v%at + fees to a fleecing CMC

 

do it yourself!

its easy

 

there are numerous threads regarding the same issue sthat you have

 

if you use our search in the grey toolbar up the top

on the right

 

and type in

Capstone SPML

 

you'll see some to read

 

if you need specific help

 

ask your further questions on this thread

 

good luck

 

dx

siteteam

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 8 months later...

Hi I know i have not been on this site for a while, I have been abroad.

 

I have read some where i can reclaim all my unfair charges back from SPML.

 

Have I left it to late baring in mind the dates I have enclosed below.

& most inportantly is it possible to claim back the £24,439.75 early repayment charge.

 

MY UNFAIR MORTGAGE CHARGES

DATE AMOUNT WHAT

2/6/06 £25 unpaid d/d

4/7/06 £25 unpaid d/d

31/7/06 £50 arrears management fee

31/8/06 £50 arrears management fee

14/11/06 £25 unpaid cheque fee

30/11/06 £50 arrears management fee

8/1/07 £50 arrears management fee

31/1/07 £50 arrears management fee

19/2/07 £15 early repayment statement fee

28/2/07 £50 arrears management fee

13/3/07 £100 litigation fee

30/3/07 £50 arrears management fee

25/6/07 £725 legal costs

31/7/07 £50 arrears management fee

31/8/07 £50 arrears management fee

23/9/07 £190 early repayment & deeds release charge

23/9/07 £24,439.75 early repayment charge

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I doubt you can get:

the ERC [ but type in ERC reclaiming in our search grey toolbar top right some you CAN]

litigations costs

legal costs

deed release

 

with the rest that is left , hardly worth it?

 

you need to go read up about crapstone

there are many lengthy threads on here

that might help

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 4 years later...

Mortgages forum

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Back in 2005/6 Ocean Finance arranged a large*mortgage*of 399,000 pounds for me.*

In late 2007 I was lucky to sell my house & payback Capstone/SPML. Just before they repossess it.*

I still have all the paperwork.

Am I right in thinking I can reclaim all the charges payed to Capstone SPML.*

which amounted to a lot including court costs etc.

Also are Capstone/SPML known to have included*PPI*in with my monthly payments, & if so, can i also reclaim that.

I also paid about 24,439.75p pounds early repayment fees,*

can I reclaim that back baring in mind they broke our contract 1st by taking me to court.

Any help & advice you can give me would be gratefully received.*

Thanks.

 

I have read some where i can reclaim all my unfair charges back from SPML.*

Have I left it to late baring in mind the dates I have enclosed below.*

& most inportantly is it possible to claim back the £24,439.75 early repayment charge.

 

I did send all my paperwork to a reclaim company called Mortgage claims. They have now sent everything back to me saying my mortgage was mis sold. But because the figure is less than 18,000 they would not be interested in pursuing the claim under a no win no fee basis I do have all the paperwork including all there correspondence with Acenden. Where do i start to claim & what do i claim for.

 

Below are some of the fees i have paid to SPML/ACENDEN

 

Arrangement fee £499

Broker fee £4,000

Procuration fee £9,975

Early repayment charge £24,439.75

2/6/06 £25 unpaid d/d

4/7/06 £25 unpaid d/d

31/7/06 £50 arrears management fee

31/8/06 £50 arrears management fee

14/11/06 £25 unpaid cheque fee

30/11/06 £50 arrears management fee

8/1/07 £50 arrears management fee

31/1/07 £50 arrears management fee

19/2/07 £15 early repayment statement fee

28/2/07 £50 arrears management fee

13/3/07 £100 litigation fee

30/3/07 £50 arrears management fee

25/6/07 £725 legal costs

31/7/07 £50 arrears management fee

31/8/07 £50 arrears management fee

23/9/07 £190 early repayment & deeds release charge

23/9/07 £24,439.75 early repayment charge

 

Thank you all in anticipation of your help.

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Dont use a reclaimc ompany. They said they wont chase it because they want to take at least 30% of it for themselves.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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4 threads merged on the same subject over the years

 

you appears from 2012, if you read from the top of this thread now

to comeback every so often, years apart and ask the same question

but the thread never goes anywhere

the info you need is already contained in posts here read your thread.

 

p'haps this time you'll actually get it done?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you.

dx100uk I did not realize all my messages were kept.

But thing change.

the law changes from time to time.

 

Would not the company Mortgage claims have obtained a sars if so i must have it know as they have returned all their & my original paperwork to me.

 

I am not sure i can do this on my own.

I have the attention span of a goldfish.

 

to my way of thinking if i could at the very least get back the ERC of £24,439 i dont mind paying a company their commission because to me anything is better than nothing.

 

If there was someone on here who could help me step by step starting from page one I would do it my self but as i said my health has deteriorated in recent years & I am afraid i can not concentrate.

Is it possible i could send someone from this site all my paper work & they could tell me what to do next.

Edited by dx100uk
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send it to this thread then everyone can help

 

scan it all to ONE multipage PDF

read upload

 

then we can advise

 

red stuff in post 13 I've done yes

but not sure on the rest

each is by individual circumstances

not sure if ERC can be done now

 

but no harm in trying

did they litigate against you..

 

if you read through all the thread im sure all of these have been already covered more than once.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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