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  1. Back in 2005/6 Ocean Finance arranged a large mortgage of about £400k for me. In late 2007 I was lucky to sell my house & payback Capstone/SPML. Just before they repossed it. I still have all the paperwork. Am I right in thinking I can reclaim all the charges payed to Capstone SPML. which amounted to a lot including court costs etc , & about £25k early repayment fees, also are they known to have included PPI in with my monthly payments, & if so can i also reclaim that. Any help & advice you can give me would be gratefully received. Thanks
  2. HI ALL, to cut a long story short ive had problems with the above for ever. I have an arrears repayment order on a suspended warrant which is nearly paid off, howver every year they attempt to enforce the warrant without success. My issue is this, on my letters and quarterly statements I have seen a whole bunch of other charges. 3 years ago i wrote to complain and they removed them incremently. these charges are shown to be part of the arrears however they are threatening again (not that i get worried), please could you tell me exactly what the hell these charges are as im thinking of actually taking this further and calling them out on them on my statement it states Insurance related charges (the buildings insurance is part of the CMI and is stated on the monthly interest rate letters i get) i have no idea what these are Fees and Security related charges ( a name change here as they were listed as other at one point) These fees and charges total 6822.87 and are put on the arrears of which the total is 2757. So makes my arrears look higher than they actually are. Is there anyrthing within FSA MCOBS regarding this and how to deal with it officially? any help greatly appreciated:-) Thank you
  3. Hi I was just wondering if I could get some advise please for my mother. I will try to explain best that I can, so here goes, I recently found out that my mother currently has an interest only mortgage of £102k from Accord Mortgages, the problem is that back in 2003 she purchased her council house for £28K in which she had a mortgage of £34k from a company called SPML. Now somewhere in between 2003 and 2006 (when she moved to Accord) her mortgage has obviously tripled in size. Getting information from her about where the money has gone is like getting blood from a stone. The only info I can find is that in Dec 2006 there is completion statement from a solicitor with the following. Capstone Mortgage £77k Kensington Mortgage £20k Money point 2.5k Cheque to her £2k + some fee =£102k As I said my mother is not very forthcoming with info, but from what I can gather she must have had extra amounts put on to her mortgage (which she denies). Is there anyway I can get all the info from previous transactions from Kensington & Capstone so that I can find what the hell has happened. She is absolutely awful with money and has debts with people like Eurodebt and Carbot which I will look into a bit later on. She is now at retirement age and will be homeless soon if she doesn't find the £102k hence the reason for all of this coming out. I would really appreciate any help given, If more info is needed then I can go through all paperwork that I have. Many thanks
  4. Looked through forum many times, also people have helped me through several eviction attempts over the years with these low life's. In a good place right now, Experian showing my mortgage payments to Acenden up to date for last 3 years. The payment is taken by DD and the only problem I have every year is they add buildings insurance on but I get them to remove. However my mortgage is 10k higher now than when it commenced in 2004. I have literally paid tens of thousands in charges, solicitors cost etc. like many they turned up to court and presented false figures, at one stage the county court agreed with them and I faced eviction. The bailiffs stood outside my house whilst I was seen by a circuit judge who luckily overturned the previous ruling. they would demand large payments to cancel suspended eviction, then do it all over again until I was in a right mess. I have tried to reclaim charges before, FOS always dragged it out for 2 years and then sided with them. I did a SAR and Acenden requested more time due to staff issues and never actually sent it out. After all these years I didn't have the energy to fight so gave up. I plan to sell up at the end of the year, luckily I have some equity. I feel that I should have one last try to reclaim some charges. Forget the FOS and hit the small claims court. I have sent off today a SAR. if not received in 40 days I will chase it up. My question is, has anyone actually ever been successful in claiming back from Acenden?
  5. Hi, I don't do Facebook so I have started a thread on the MoneySavingExpert forum - The Acenden (administered mortgage) Escape Committee in the section called "Mortgage Free Wannabe" (I can't post links here yet). - Acenden have apparently recommenced selling mortgages on behalf of their new owners. Do join me there. I will post more information on that new thread in a while, eg about the danger signs that indicate that Acenden means to repossess. Everyone's case is unique but there are things we can to help each other get clear of these cowboys.
  6. Hi, In around1999-2000 i had a card with BoS, which was defaulted on around the start 2001.(balance around £1650 ) I initially made £1 token payments through the CAB, this lasted only around 6 months,when i stopped paying. After being threatened with a statutory demand in 2008 i began paying Capquest £10 a month from 29th OCT 2008. (the balance stated then was £1900.00) I kept this up until 30 Sept 2009. In Dec 2013 they took me to court and got a CCJ for £10 a month which ive had to pay since. (balance had become £2760.00 ?) My question is ,is there anything i can do about this as i believe it was most likely Statute Barred by late 2008 and from what i realise now it probably shouldnt have gone to court . Thanks
  7. Hi, I currently have a suspended possession order on my property. After failing to sell the house for 3 years and being refused the right to rent (which would easily cover the payments) i have decided to hand the keys in. I have been promised the information regarding this twice by capstone in the last month and to date have still not received the letters that they are insisting they have sent. They said they would put any action on hold till 31.8.12 to give me time to receive the letter then they would apply for the warrent to enforce the repossession. What should i do now, i have virtually moved out of the property and moved in with my partner who owns his own property. I have come to terms with losing the house FINALLY but have some other questions. 1. Can i negotiate a monthly payment before the house is sold to repay the shortfall - there will definitely be one. 2. How easy is it to arrange a monthly payment without having to be served with a money order or even bankruptcy (which i am terrified of). 3. I can afford to repay £150- a month - do you think that will be acceptable - i estimate the shortfall to be about £15.000 that is if they sell the house for £10.000 less than the market value. This would take just over 8 years to pay off which i accept and will gladly pay back the £150. 4. My main concern is that they can take action against my partner even though we are not married as this would be awful for him. Do i just wait now and see what happens i really don't want to ring them again as i end up crying and upset. Thanks for all your help
  8. Has anyone managed to claim back charges from these?
  9. Hi, I have arrears with SPPL (now Ascenden). These arrears are £515.00. My due date for payment is the 20th of the month, however there have been times when I have paid about a week later and I have been charged late payment fees. On top of this they have told me that as I dont have an arrangement in place to pay the extra £70pm I am being charged an arrears management fee. In order to stop these fees I am to give them details of my incoming and outgoings, which I dont think is any of their business, to make an arrangement to pay the additional £70pm that I am already paying. It appears that the arrears that have accrued are not actually mortgage arrears but all the charges that have been put onto the account. Could anyone advise me of the first step to be able to reclaim these charges. I would like to add that I have no intention of giving them my financial details and will continue to pay the additional £70pm, but am concerned that they will continue to charge the arrears management fee. Your advice please ?
  10. Hi guys..Hope somebody ,somewhere, can help me...Back in 2009 despite having a payment agreement in place Capstone aggresively repossessed my property , i had lost my job and my partner was working but we struggled to make payments which in the end were over £1200 per month..unfortunatley, and although i now regret this i just 'gave up' ..having recently lost both parents I didnt have the strength to fight... does anyone think I now have any cause of redress on this matter.. I would really appreciate any help or advice you could offer ps Im sorry if this is in the wrong forum but i've spent ages trying to find how to post in the correct one... Thank you
  11. It all boils down to securitisation !! That is why these barstewards are so hard to deal with !!! Did you know that your mortgage was being securitised when you signed your agreement? Nope me neither! But it appears that although they dont make you aware when you are signing, it does affect your rights and remedies, should you experience financial difficulty and fall into arrears, this can not be right surely, there must be a law that covers this or come under the act which covers unfair contract terms in consumer credit agreements? Any one any ideas ? There must be some legal issue here? cher 69:!:
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