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Found 6 results

  1. I have just realised I have another SPPL Loan. I had one that I have already posted earlier but this one is more straighforward although it was taken out in 2001 and paid off in 2002 so dont know if this is a problem. I had a loan for £15,000 that was a second mortgage on my home. They sent the paperwork and just added the ppi at £2,500. I was self employed and never asked for the ppi was never told why it was on there or anything about it. When I paid it off in 2002 I paid a sum of £17,723.00. Should I send directly to SPPL or to FOS with it being an old loan?
  2. Over the last few weeks, months I keep reading articles here and there about this. Glances really not looked at things in depth. Fish dying,mutated things like that. Radioactivity has spread to the coast of America things like that. Some say this is or should be massive news.Maybe it is but I have missed it. Anyone want to say anything, have articles a view, looked at this problem much more than I have. An article. Fukushima: Japanese Government Guilty Of Destroying Pacific Ocean. When you read things but do not know that much about something like this, it plays on your mind.You worry, wonder what the hell is happening. And if such a massive problem is out there how are they going to solve it. A few sentences out of the article. Link. http://countercurrentnews.com/2017/05/fukushima-japanese-government-guilty-of-destroying-pacific-ocean/
  3. Hi Id like to keep this separate from my other threads, but i`ve been constantly told by Acenden acting on behalf of Eurosail that they cant do anything as regards charges (or anything else) on our account before Nov 2010 when they supposed took ownership of our loan from Southern Pacific mortgage limited (also known as London Mortgage company , Southern Pacific Personal Loans ,etc......). I was furious when also told this by an FOS adjudicator as well . How can this be ? Southern Pacific Personal Loans Limited are supposedly in insolvency with an address in Leeds, but Southern Pacific Mortgage Limited also named on our paperwork appear to be still going (active and operating from 110-118 Union Street London.) Southern Pacific personal Loans limited (also known as London Mortgages) are described in our paperwork as the appointed representatives of Southern Pacific Mortgage limited. So i would assume SPML would be described as the parent company of SPPL (London Mortages) and so should be liable for the account prior to Nov 2010. Am i completely naive and wrong in thinking this?? Southern Pacific were responsible for alot of the charges /capitalised fees amongst other irregularities on our account. Is there any point in pushing for an actual ombudsmans decision when the adjudicators decision is something we feel is a ridiculous decision. Thanks
  4. Hello! I am surprised that no customers of Acenden/Southern Pacific Mortgages Limited have mentioned the recent refund of charges from SPML? I have been battling with them for years over what I believe to be overcharges and MANY others have made comments on the forums stating the same. We received a letter dated the 2nd of July from SPML, saying that they have agreed with the FCA that certain charges made between 1st of January 2009 and 31st of August 2012 were "found to be higher than the market norm" and have refunded the difference back to my mortgage account. The letter doesn't say what the "norm" is and does not give a breakdown of the amount refunded but it does say it is for Arrears Management Fees and Litigation Management Fees . At the time the charges were made, they were still being added to the arrears balance of the mortgage and therefore several eviction attempts made by SPML were obviously based on unfair overcharges - luckily the court stopped their attempts and I still have the house today (with no mortgage arrears) - yet I am still fighting charges which at todays date total well over £20k (the majority in legal fees!). Anybody else had the same? Any thoughts from anyone on the best way to challenge this? Unsure how they have determined unfair charges between these date yet charges outside of these dates still remain at the same level?
  5. I've just come across an old Insurance certificate in regards to a secured loan we had 2004-2006 . The insurance certificate states the premium was £3269.24 +ipt . I am aware that SPPL are no longer trading and Aceden are a point of contact. I see some people have been refered back to the broker with whom they took out the loan. Thats our first problem as I have no idea who it was . Hubby seems to think it may have been Norton or Ocean. Another thing I have noticed as it stated he had to be employed but he was actually self employed at the time . The loan was paid off early 06. What I need to find out is where do I start . Many Thanks
  6. Took a mortgage out with SP back in 2004 and it was brokered through MD Nationwide. Have gone back through old paperwork and it seems they have put upfront ASU of over three grand on the agreement. Where do I start to reclaim from these companies? Please help I am very very green on this! :!:
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