Hi All, This may sound really stupid but can someone please tell me how to start a thread? I need to start one to get all help/replies in 1 place as Im backwards and forwards looking at 3 different threads. Just an update, I had a call this morning from crapstone and the woman on the phone was really rude and obnoxious......again the call was about the shortfall and saying im in arrears. Again I put the ball back in her court saying I would not deal with them over the phone and that I had taken legal advice...........she asked what for!!!!!!........I ended the call.

Hello Suetonius, I took out the mortgage in May 2007 on what I thought was a 3 year fixed rate but have been told it was a 2 year so Im out of the fixed period next month! Also it was arranged by Approved Financial Solutions.......upon looking at the paperwork they put that I was earning £10,000 more than I actually was so it was mis-sold in the 1st place! They have been fined by the FSA and have gone out of business!!

Hi, the interest is £525 so I am now paying that plus £50 on top. I have looked round at rented properties but as yet there is nothing in the area I need but will keep looking. Also do I just let the house go back to spml or try and sell it for what I can get for it?...........there is no equity.

Hi, the interest is £525 so I am now paying that plus £50 on top. I have looked round at rented properties but as yet there is nothing in the area I need but will keep looking. Also do I just let the house go back to spml or try and sell it for what I can get for it?...........there is no equity.

Thanks, thats brilliant.............I will get it done tonight and go to the post office 1st thing. Thanks again, Im feeling a little more empowered.x

Please please can somebody help me?... I contacted spml over a year ago now when I knew I was getting into trouble and before I missed a payment. I asked for a payment holiday or to go on an interest only till I got back on my feet........i was told they did neither and I had to go to citizens advice which I did. Altogether last year, I missed 5 payments (not consecutive) and they ook me to court last november where they got a suspended possession order as long as I paid the normal payment (£720)plus £50 off the arrears. I have done this from december to february but have found it very difficult being on my own with 2 kids so I rang them to make my payment in March and told them I would be paying the interest plus the £50 and that I would like them to look at my case and help me. No-one has called me back but I recieved a call on easter sunday asking for the shortfall.........i reiterated that I would pay the interest (£525) plus the £50 when they payment is due on the 26th April. I asked about interest only again and the person said it had been looked at but I had been declined that option because it would be classed as new lending and they were not doing any new lending!! I asked if they were going to repossess my house but I couldnt get a straight answer. I rang them back on tuesday this week and I couldnt even speak to a manager or supervisor. I have read lots of posts on here and I am very confused as to what people are talking about with all these forms! I need help as I am at my wits end now...........I am a strong person but feel I have been bullied by spml but I will be bullied no longer................... ...please can someone help me? P.s Can someone tell me what a Subject Access Request is?.............Im being bogged down with things i dont really understand!! PPS........I have also contacted the financial ombudsman and am currently filling in the form and copying all paperwork.

Please please can somebody help me?... I contacted spml over a year ago now when I knew I was getting into trouble and before I missed a payment. I asked for a payment holiday or to go on an interest only till I got back on my feet........i was told they did neither and I had to go to citizens advice which I did. Altogether last year, I missed 5 payments (not consecutive) and they ook me to court last november where they got a suspended possession order as long as I paid the normal payment (£720)plus £50 off the arrears. I have done this from december to february but have found it very difficult being on my own with 2 kids so I rang them to make my payment in March and told them I would be paying the interest plus the £50 and that I would like them to look at my case and help me. No-one has called me back but I recieved a call on easter sunday asking for the shortfall.........i reiterated that I would pay the interest plus the 50 when they payment is due on the 26th April. I asked about interest only again and the person said it had been looked at but I had been declined that option because it would be classed as new lending and they were not doing any new lending!! I asked if they were going to repossess my house but I couldnt get a straight answer. I rang them back on tuesday this week and I couldnt even speak to a manager or supervisor. I have read lots of posts on here and I am very comfused as to what people are talking about with all these forms! I need help as I am at my wits end now...........I am a strong person but feel I have been bullied by spml but I will be bullied no longer................... ...please can someone help me?

Please please can somebody help me?... I contacted spml over a year ago now when I knew I was getting into trouble and before I missed a payment. I asked for a payment holiday or to go on an interest only till I got back on my feet........i was told they did neither and I had to go to citizens advice which I did. Altogether last year, I missed 5 payments (not consecutive) and they ook me to court last november where they got a suspended possession order as long as I paid the normal payment (£720)plus £50 off the arrears. I have done this from december to february but have found it very difficult being on my own with 2 kids so I rang them to make my payment in March and told them I would be paying the interest plus the £50 and that I would like them to look at my case and help me. No-one has called me back but I recieved a call on easter sunday asking for the shortfall.........i reiterated that I would pay the interest plus the 50 when they payment is due on the 26th April. I asked about interest only again and the person said it had been looked at but I had been declined that option because it would be classed as new lending and they were not doing any new lending!! I asked if they were going to repossess my house but I couldnt get a straight answer. I rang them back on tuesday this week and I couldnt even speak to a manager or supervisor. I have read lots of posts on here and I am very comfused as to what people are talking about with all these forms! I need help as I am at my wits end now...........I am a strong person but feel I have been bullied by spml but I will be bullied no longer......................please can someone help me?

Please please can somebody help me?... I contacted spml over a year ago now when I knew I was getting into trouble and before I missed a payment. I asked for a payment holiday or to go on an interest only till I got back on my feet........i was told they did neither and I had to go to citizens advice which I did. Altogether last year, I missed 5 payments (not consecutive) and they ook me to court last november where they got a suspended possession order as long as I paid the normal payment (£720)plus £50 off the arrears. I have done this from december to february but have found it very difficult being on my own with 2 kids so I rang them to make my payment in March and told them I would be paying the interest plus the £50 and that I would like them to look at my case and help me. No-one has called me back but I recieved a call on easter sunday asking for the shortfall.........i reiterated that I would pay the interest plus the 50 when they payment is due on the 26th April. I asked about interest only again and the person said it had been looked at but I had been declined that option because it would be classed as new lending and they were not doing any new lending!! I asked if they were going to repossess my house but I couldnt get a straight answer. I rang them back on tuesday this week and I couldnt even speak to a manager or supervisor. I have read lots of posts on here and I am very comfused as to what people are talking about with all these forms! I need help as I am at my wits end now...........I am a strong person but feel I have been bullied by spml but I will be bullied no longer......................please can someone help me?