Original Loan was LMC Matlock i reckon they owe me about 7 grand in charges all in all plus PPI thieves i tell yer thieves. They did say chase the broker but i had advice from here to say i should go stright for Acenden and not the broker,yeah i spoke to them a few weeks ago and i say the same stuff i alwyas tell them. These are not arrears these are charges when was the last time i missed a payment er 4 years ago so these are charges then dufus,how much is that actually arrears er £190 so youve charged me thousands for £190 jog on. Ive told them to repo me loads of times but they wont though my main mortgage have first refusal,18 months ago they phoned up an estate agent for an independant valuation on my house,just so happens they phoned my best mate. We made it so that the valuation would just scrape my main mortgage, so they would get nothing,i tell them im not paying it and continue to pay my monthly amount plus £20 just in case. I would just like some help in actually proving they are the same company,i know this might seem odd but why cant i just sell my loan on like they have done?? I havent accepted the offer yet im going to ask for more but i really need to prove that they are indeed the same company,it just doesnt add up how a new company can take over and say take over any arrears but have no commitment for the chagres levied. Got to be a loophole somewhere either for us or to stop them from doing this,i watche don the news today the euro millions winners,if that was me id be taking these jokers to court and hiring the best in the land

Had a letter out the blue saying they are willing to refund me over 2 grands worth of charges but only from the time Ascenden took over,i complained back in 2010 about this. Im not accepting it as it then leaves me no hope for claiming back PPI as the letter says it sold the loan different company etc etc etc ..........so i feel that they will use this to their advantage as i have signed to say yes they changed company kind of thing. Has anyone had any luck in claiming back PPI from them or have they fobbed everyone off with the we are a different company line...........does that mean i could sell my loan on for a £1 and let them chase the new person

Yeah i read your thread,thats why i mentioned it in my post. Maybe we shoudl sell our loans for a £1 and then say sorry we sold the loan on we are not liable. Is there any cases that a main company has been found guilty over its subsiduary company,everyone knows how these people operate. But its getting to a point now where a collective force needs to bring these jokers to account. Has anybody here actually succefully claimed thousands back in charges or got their PPI back??

Right quick question now that i have everythign ready to go. The FOS i have no faith in, i have tried to get them to look at these sharks and my account for years. I wrote a letter of complaint a year ago asking for PPI back and was told to see the broker,now i know that they have lied to me with saying see the broker, can i just send them a letter saying 14 days or taking you to court or do i have to go to the FOS,who in turn will just tell me they changed comapnies and not liable. Cheers Also does someone have the the correct link saying from the FOS saying Broker is not liable but the mortagge company is???

Sorry just my term for stating that LMC/SPML/Capstone/Ascenden are not exactly lending nor exactly conform to lending principles,IMO they are just a debt colelction comapny making sure there loan book is kept up to date. Im reading the threads and there are a lot of them, im going to write a letter stating the Ombudsman says it is you i chase for PPI etc etc and ill just take you to court. Can i bypass the ombudsman and just take them to court???

I have already complained to Asccenden and they said i must speak to Broker who brokered the loan,i never got any insurance documents through or anything. Havent even started on them jokers they are just a debt collection company. So back to these jokers then or the Broker ???

Excellent thanks ill send that off to the Broker then.

Many thanks so once all done thats the grand total i can claim or is that just the interest??? and i add the £2.460 on?? (please tell me thats true LOL)

So i am to list every month i have paid the £33.13 ,will the spread sheet do the rest?? Also even though the PPI only lasted 18 months do i still use the amount of time of the loan?? Im still confused

The Evil at SPML forwarded me on to a broker after my first letter of complaint so im going direct to the broker. As i say its all going on taking the Evil to court. DX i have that excel sheet and i cant for the life of me work out where i am going wrong, with regards to other things i know where i am going i know what im saying i kinow what i need to fill in everything is ready i just need to know how much interest to add on to my claim. I cant for the life of me work it out

Hi i reallly need some help. I took out a secured loan many years ago 2003 i ahve been mis sold PPI was £2460 which was added to the loan. Only problem is the PPI i was missold i was told that it ran for the duration of the loan,when in fact i found out that it only lasted 18 months. How do i work out the interst owed to me. The loan £14,760 Cash advance of £12,000 PPI £2460 Intro fee £300 APR of 14.3% over 180 months at £186.75 I am still paying the loan,my problem is where do i start to claim the PPI interest do i do it for 18 months or the duration of the loan or what. I will be using the claim money i get back to take SPML to court And help would be great cheers

Thanks the 18 months is giving me a lot of confusion

Hi apologies for bumping an old thread but i reallly need some help. I took out a secured loan many years ago 2003 i ahve been mis sold PPI which was £2460 which was added to the loan. Only problem is the PPI i was missold i was told that it ran for the duration of the loan,when in fact i found out that it only lasted 18 months. How do i work out the interst owed to me. The loan £14,760 Cash advance of £12,000 PPI £2460 Intro fee £300 APR of 14.3% over 180 months at £186.75 Any help would be great cheers