Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Reclaiming PPI & 'fees' on old Capstone SPML mortgage

    Back in 2005/6 Ocean Finance arranged a large mortgageicon 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 PPIicon in with my monthly payments, & if so can i also reclaim that.

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


  2. #2
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    Default Re: Reclaiming PPI & 'fees' on old Capstone SPML mortgage

    you can certainly reclaim the PPIicon

    cant see why not on the fees too

    have you got all the statements?

    if not time for an SARicon

    several links below to re

    call if you need help.

    dx

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  3. #3
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    Default Re: Reclaiming PPI & 'fees' on old Capstone SPML mortgage

    Thank you DX100UK
    Yes I do have all the Statements, Where do I start to reclaim my fees/charges & how do I calculate how much to claim.
    Thanks Tudorwin


  4. #4
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    Default Re: Reclaiming PPI & 'fees' on old Capstone SPML mortgage

    there is info below

    might be an idea t type in

    reclaiming mortgageicon PPIicon

    in our search top right

    dx

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  5. #5
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    Default Re: Reclaiming PPI & 'fees' on old Capstone SPML mortgage

    how is this going?

    dx

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  6. #6
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    Default Capstone SPML

    Hi I am new here ,

    Back in 2005/6 Ocean Finance arranged a large mortgageicon 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 PPIicon 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.

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    Default Re: Capstone SPML

    moved to the mortgageicon 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
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  8. #8
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    Default Re: Capstone SPML

    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 mortgageicon 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


  9. #9
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    Default Re: Capstone SPML

    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

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  10. #10
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    Default spml/ acenden

    Hi this is such a big site covering so many different topics. Where do i post a new threadicon asking for advice about reclaiming charges & early repayment charges, procuration fee's etc from SPML/ACENDEN


  11. #11
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    Default Re: spml/ acenden

    mortgagesicon forum

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  12. #12
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    Default Re: spml/ acenden

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
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  13. #13
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    Default Mortgage reclaim

    Back in 2005/6 Ocean Finance arranged a large*mortgageicon*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*PPIicon*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 mortgageicon 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.


  14. #14
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    Default Re: Mortgage reclaim

    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
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  15. #15
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    Default Re: Reclaiming PPI & 'fees' on old Capstone SPML mortgage

    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

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  16. #16
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    Default Re: Reclaiming PPI & 'fees' on old Capstone SPML mortgage

    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 mortgageicon 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.

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  17. #17
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    Default Re: Reclaiming PPI & 'fees' on old Capstone SPML mortgage

    send it to this thread then everyone can help

    scan it all to ONE multipage PDFicon
    read uploadicon

    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.

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