Hi and welcome, Your mortgage is with SPML and Capstone administer it for SPML. However if you read this thread you will soon learn that SPML infact no longer owns your mortgage.

I found this Pender case a while ago and mentioned it. For anyone interested use the link below to see what was said. http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/175426-mortgage-securitisation-preferred-3.html#post1961907

I'm going to email and ask them for a copy and see what they say. Never know they may email it for free

Thanks for that I thought there maybe some website you can do a search. I have called the court and they tell me I can write in and they will send a copy but there is a charge of £5 for the first 10 pages.

Just been doing some research on a website I have access to called Creditsafe and it appears that Preferred has a CCJ against them for £279 dated 15/01/09. I have the case number as well and the court name so is there anyway to be able to see the case in full?

mmmmm interesting post lol

Hi, It is likely that your mortgage has been securitised. Have a read of the following threads which will explain more about and you will probably find some similarities to your case. There are many caggers that are now following this and just recently there have been quite a few new additions giving there experiences and getting wise to these crooks. Please if add your experiences as there are many of us that can help and guide you. http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/175426-mortgage-securitisation-preferred.html http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/170607-spml-london-mortgage-company.html

Hi, I have attached a copy of the file for you. 7429FProspectus.pdf

Hi, Useful number for Capstone as I am calling them all the time with at least a 30min wait.

Oh rite well its too small to be read unfortunately.

Hi, That file is too small to read. You need to scan it bigger and upload it again.

Hi All, Just a thought for those that are asking for Carmel's help then as SuperSleuth suggests the house of commons evidence to point to the fact that she is a New York lawyer. However that said Carmel did reference this website so it maybe likely that she looks at this site and even this thread so again is most likely if this is the case then the help we are all looking for is being done in other ways like the House of Commons evidence as that i'm sure didn't just spring from nowhere. It maybe worth a thought that Carmel is unable to use this site for professional reasons etc.

Hi, Read a thread which I started a while ago and gives some details of my situation for your information. http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/175426-mortgage-securitisation-preferred.html Out of interest did you ever find your SPV?

Just for the record despite my possible controversal comments on the outcome of this becomeing public and the government protection after. I am actually in the process of building a case against my so called lender in respect of the fact they did not have a legal right to issue proceedings against me which resulted in a suspended reposession order. My case it taking sometime to build as I want to be sure that I have everything covered and I understand as much as I can everything I am going to say and everthing that maybe thrown back at me. I am also writing to my so called lender and asking them questions that in turn the responses i get back will be used against them in court. I have a suspended order in which my so called lender breaches every month so when I do finally take this to court they will look stupid from the moment the hearing starts.

Oh ok lol

Correct but i think missing my original point i was trying to say maybe.

Indeed correct but look at them now they're not paying out anymore and problem wont have to either. Therefore once we blow this out of the water and expose the mortgage criminals they will shortly be protect in some way.

I agree entirely just thinking of the reality of it and what the government would allow. For example the test case that is with the bank charges will almost certainly result in them being deemed unlawful etc etc etc but I bet your bottom dollar that no one else is going to get paid out indefinately due to the financial implications on these people that are continuously protected. Don't get me wrong I'm in on the fight with all this and will do everything and anything I can to bring them down but I'm also looking at the reality it and how the government will step in regardless!!

Hi, Yes you are probably right they may have a claim if all this came out but at the same time I dont think they would as it would all be covered up and things would be put in place to stop claims etc. I think the only good that may come of all this is that policies / laws change so these people cannot and do not do this anymore and if they it is done correctly and fairly. No consumer past or present is going to make any money out of this thats for sure. But i'm sure i speak for most that no money is wanted from this and all we want is fair treatment etc.

I dont think it would ever be deemed to be unenforcable as this would inturn mean that 80% of the UK mortgages are also unenforceable. If there is a serious legal issue uncovered and they were seen to be unenforceable then steps would be taken to change this as the whole market would collapse and this just wouldnt be allowed to happen. Sorry i just saw you said the unenforceable by the original lender. In that case well yes maybe but then I am sure if this was made public then the SPV's would soon show there hand and start doing things correctly and they would be forced to do this to avoid economic disaster.

Good find SuperSleuth. Not be around much lately so have had to catch up on the threads. Just read what you just posted and sounds like FatBigot has run away and hid in a corner now with nothing else to say lol. Just goes to show if they are a barrister that either condone and probably work for these criminals or just do not understand. You would think though that as a barrister they would have at least look at a prospectus and not just assumed that a deal is done on equitable interest.

I watched it on my local news and apparently the houses were over valuated and they were skimming off the top when the lender paid out. Thats all they said really about what they. They have arrested people aged 29 - 73. Can be watched here. Its the second report. Meridian - News - In-depth news and features for South Coast, Hampshire, Dorset, Kent, Isle of Wight, Wiltshire and Thames Valley

Sorry don't get me wrong the fight must and will go on. I was just trying to state the probable reality of the outcome once all this is out in the open. I was just thinking that some people may think they will get away with not having to pay there mortgage or will get a massive compensation payout but I just think this will never happen. I know what you say about how the law has been broken etc but if 80% of the UK is in the same boat then once out something will be done or changes will be made so to stop anything happening to these criminals. Just my opinion of course but I think these criminals should be locked up or thrown in a dirty pit and left there for good after all the misery they have caused to millions of people.

So if 80% of mortgages are securitised in the UK then I suppose we can assume they are all illegal. If that is the case and someone exposed the whole [problem] it and it became public knowledge then the government would most probably step in and do something to make what they have done legal in someway otherwise the whole market would collapse and 80% of the UK's mortgagees would claim against there mortgage company. This would just not be allowed. Don't get me wrong though I'm not saying in anyway that they should not and wont be exposed. Just from the point of view of people reading these threads thinking they will get some kind of financial or other gain then it must be realised it highly unlikely. Use the bank charges test case for example. The courts will probably deem them unlawful but will not allow anyone to claim. Sorry for the negativity here. The fight will go on though.

Wow thats a very good document to have. Suprised this is in the public domain as it totally exposes them and in black and white it is clear they admit breaking the law and just see it as an acceptable risk. Wonder if a judge would agree that law breaking is an acceptable risk. Unfortunately my mortgage is with or was with Preferred Mortgages. Where did you find such a document. Is a directors report something that is submitted each year with accounts and may be found on Companies House?