.. I can't stop dribbling either...

..thanks for that LD

aha.. thanks LD, that's what I was looking for .. but missed it because I was looking for 'securities' rather than 'funding'.. ..to upload a file, click on the little paper clip icon next to the smilies above when on advanced mode of replying...

..thanks Ryde.. being the same as LDs rings a bell.. will keep looking

Hi Folks, .. I know there's been details of the following posted previously but I can't find it on the thread and I'm going blind looking, so if anyone knows exactly where to look then I'd appreciate a link or pointer in the right direction.. ..But I'm trying to figure out which SPV owns the loans/mortgages that were bought from LPL/Matlock back in 2006, was it Southern Pacific 5 or something like that? If I remember correctly somebody said this had been mentioned in SPMLs accounts somewhere, perhaps.. ..And, is there a way to tell if your loan has actually been included in this sale?.. some form of documentary proof? ..thanks.. Zil..

..that's why I was trying to raise the above issue again the other day.. it's a good time to get on top of this & yes we know the FSA probably won't do something but it's yet another item to try and get into the media about how useless the FSA are etc.. ..this whole thing is a house of cards.. Capstone can't hold its end together much longer... ps - perhaps we should setup our own FSA to report such items.. call it the Real FSA.. or the Really Real FSA.. if you want to Python it up a bit..

..do you have copies of the original agreement? ..there's plenty of peeps here to help.. just need more info on the agreement etc.. ..still 5k for a boiler... for use in a regular house?...

..sounds like good approaches to me..

.. not entirely sure on those other points raised.. the £25,000 limit was removed with the CCA2006 which came into effect the following year.. @ Mike - it would depend on the initial sum loaned.. but there's nothing stopping you from trying to negotiate a reasonable outcome.. ..best thing to do is to read about as many similar experiences on here and google around too.. @ JHill - in my opinion you're protected by the CCA if that's your concern..

..definitely attend the hearing & take along proof of the arrangement, an income and expenditure breakdown, ask for an up to date statement from the lender & one that covers the entire period of arrears.. ..I think, given the amount of arrears, that £240 a month on top of the regular payment is too high but if you can afford it then that's up to you.. £60-100 is acceptable in most cases..

..good luck with this scottt.. hope it all goes in your favour..

..good luck with this scottt.. hope it all goes in your favour..

@ donein - also really worth checking out Ell-enn's posts over in the Repossessions section..

..as a matter of interest - has anyone had any success in getting SARs info out of Langersal No2 or Matlock London?

@ donein I was hoping the id theft may have been linked to one of the brokers or axis of evil lenders.. and, my, what a time you've been having.. as for NatWest - did you ask for a copy of the id records used to open the account?.. that can help swing the balance in your favour if the account was opened quite a while back..

..like most of us you probably thought you were dealing with an honest and reputable firm.. and not a bunch of lowlife cowboys.. ..in your situation, I'd definitely get on with the SARs to all involved, brokers included.. .. interesting comment about the latest broker having an underwriter sitting in their office.. there could be some serious issues lurking behind that transaction.. ps - where did the id theft stem from?

..erm.. 'Nam?

Hi everyone, I'd just like to apologise for my previous post. Obviously it was not my intention to raise hopes and dash them in such a fashion & I thought it would be quite clear to all involved that I was posting up something we all want to see for real in the very near future. Sorry.. Zil..

Soho & Keithy - they're cleaning the decks..

I'm sure some of you have.. the point was to add it to the list of steps to take that keeps being posted.. Zil..

..if it hasn't already been suggested then something else that can be added to the list of actions: ..make complaint to the FSA asking for SPPL's appointed representative relationship under the Principal SPML to be terminated and authorisation withdrawn, also asking for SPPL and Amany Attia to be fined, publicly reprimanded and that if she does not resolve SPPL's solvency and lack of company directors then she has failed to adhere to the regulations and thus fails the fit and proper test and should be disqualified. Subsequently, ask that SPML should be appropriately fined and/or publicly reprimanded for failing to fulfil their regulatory duties and obligations as Principal of SPPL.. ..apply the above to the other companies where possible/relevant.. ..rather than digging out the FSA handbooks, here's some quick links to basic factsheets on the above: 1. http://www.fsa.gov.uk/pubs/other/factsheet_appointed.pdf 2. http://www.fsa.gov.uk/pubs/other/factsheet_approved.pdf Zil.. ps - happy to list numbers etc..

I'm interested in hearing of any transfers of assets from SPPL Ltd to whoever for the period September '08 up to present day.. even where that transfer relies on an agreement or contract arising prior to then... I think it's also time for FoI requests to both the lr & hmrc now, has anyone else done this? Zil..

..yes it's been mentioned quite a few times here and elsewhere... ..so any more details? Zil..