*****UPDATE***** The clowns did NOT attempt to take the DD mentioned in my last post!!! lol I, somehow, thought that may be the case!! Still I have the letter that they sent to tell us that they were going to and receipt from the bank saying we payed into there account before the letter was even written. I am collecting everythign and only going to communicate with them by writing from now on, unless its very urgent. (Do they even understand the word URGENT??!!!) Oh and the Supervisor that I thought had a brain larger than a fly never did ring back as she said she would! Maybe I should get even more cynical??

Just had an interesting letter from the Clowns saying that they will be collecting the monthly DD slightly later for the June payment and apologise for any inconvienience! Ermmm two things (which I have just pointed out to them in no uncertain terms) A) The letter is dated 01 July 2010 and is telling us the payment will be taken on 05 July 2010 [should have been 25th June] that in itself is a blantant breach of the DD gaurantee. and B) They already have Junes payment as we paid it into their Barclays account! They have not said that they have not recieved payment but told us they cannot stop the DD going out on Monday. I explained that was the exact reason that I did NOT want to pay the payment into their bank in case they tried to recollect the payment at a later date...... I was gauranteed that would not happen!! Haha IT HAS!!!!! The money is not in the bank so no danger of them getting a double payment for June and a supervisor (first person I have spoken to there that seems to have a brain larger than a fly) has told me that if we are charged, send them the letter from the bank and they will refund the bank charges because it is totally there fault that these errors have been made. I nearly fell down the stairs when she said that!! I highly doubt that they will refund the charges that the bank will put on for an unpaid DD and I wish I had recorded the phone conversation! lol We have spoken to our bank and they have said that there is not a DD showing on the account but there is a chance that they have set one up and it won't appear until they take the first payment. So they cannot put a stop on what doesn't appear to be there. We will probably get to Monday and nothing will happen as they seem totally unable to set up a DD anyway! lol The thing that makes me even more angry is that my partners ex, who has the joint loan with him, just sends half the payment every month and has no hassle from Capstone or LMC, has no worry that her house will be repossesed and the loan was initially taken out to pay off her debts!! She then left my partner 3 months later!! I don't know whether there is anything that can be done about getting her to be jointly responsible in more ways than just her name on the loan but hey, only 4 years of this C**P to go!!!! Thanks for listening/reading everyone, so glad to have found this forum!

Hi everyone, Just been reading through alot of the posts on here and found myself nodding in agreement to most of it!! My partner & his ex took out a loan secured on his house with London Mortgage Company after contacting loans.co.uk in 2004, it has recently changed to Capstone Mortgages and all I can say is that they are an absolute bunch of clowns!! My partner was made redundant in April 09 and used redundancy money to keep up with repayments, his ex gives him half every month, but after about 7 months we were struggling and ended up in arrears, we contacted lots of organisations etc to see if anyone could help but not alot could be done. He found contracting work in December 09 and from then on we have been paying back £600 per month instead of the £380 that it should be, all was fine until Capstone took over, since then it has been nothing but hassle!!! Currently we are in arrears of £800. We couldn't set a direct debit up initially as he was paid weekly and London Mortgage Company were fine with the payment being a couple of days late as long as it was paid in before the end of that month. We, stupidly, presumed that Capstone would be the same and got a shock when we received a letter saying the we would be charged £25 for the payment being 3 days late!! We had called on the 25th May to explain the there was no way we could get into the bank until the 28th and were told that was fine, we called after receiving the letter to explain this and finally managed to get the charge removed. Seeing as my partner had found a permanent job, we asked if we could set up a direct debit to start from June 25th to avoid this happening again and after alot of tooing and froing, we were assured that it had been set up and everything would be fine. The 25th June came and went but no money was taken and no DD was appearing on the account, we called on Monday 28th to be told that the money had been received and there were no problems with our account, we told them that the money had NOT left our account and wanted to know what the issue was. We were told that their systems were slow and to call back today to see if they had caught up yet. We called back today and spoke to someone who, as far as I am concerned, should not be allowed to work in a customer facing role. He did not have a clue what he was talking about. At one point he advised us to wait another couple of days to see if the system had caught up but them a little later told me that if we didn't go into Barclays and make a payment TODAY, we would face late payment charges!! We then contacted our bank and was told that no attempt had been made to take the money from our account or set up a DD. We called Capstone back again only to be put on hold while someone looked at our account, they never came back and we were hung up on!! We called straight back to again be told that the payment had been received and there were no problems, we asked how this could be possible as there was not even a DD set up, at which point we were tols that it was a bit wierd!!!! No, not wierd, just a further sign of Capstones incomptetance! We now have to make a trip into our nearest town just to make a payment into a Barclays to ensure we are not charged a late payment fee. Oh and we have no found out the the DD had actually been set up to go out in November, what good that would have done, heaven only knows! We will now have to wait until next month to see if the DD has actually be set up correctly, I will keep you posted!! lol Sorry for the very long post but wanted to let everyone know the history of the loan and have a vent!