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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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Acenden/Capstone/SPML/APS!! PPI/Charges Reclaiming.


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Wow been a while since i was here!

 

Just gone through old documents with regard to claiming back ppi as i knew we were once ripped off with it. We took out a mortgage with Aps who arranged a mortgage with Southern Pacific Mortgage Company this was taken out in July 2005 and we have found that the policy was added to out mortgage at a cost of £3,483.63 on the forms we have it says interest payable in addition to the premium £2,808.45 totally a whopping £6,292.08!

We had a salesman come to the house to sort out the mortgage and looking at the forms HE actually ticked the bit for the ppi obviously skirting round the fact you paid interest also my husband was infact self employed, since rereading i think that is ok, cover was only for 3 years too

Can i also just ask if all the other fees are legite on this too as looking down the list it says;

£499.00 arangement fee (added to the loan)

£40 chaps fee payable on completion (added to the loan

£2,495.00 Broker fee non refundable it says (added to the loan)

£600 legal fee?? payable on completion (added to the loan)

£150 one off payment title insurance it says ask us about it!!! (added to the loan)

I would like to know if all these bits are legal they dont tell you that all these are adding god knows what interest on top, i really dont know where to start the mortgage as now been paid off.

Edited by miz_print

Miz_Print v Halifax Won :-D 24th july 2007:D

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  • 2 weeks later...
  • 1 month later...

Well sent off a letter anyway asking for it, been a few weeks now no reply but know i have to wait till the 8 weeks anyway, does anyone know as i sent the letter to spml at 6,Broadgate, london that this is still the address for them?? i sent it recorded and someone did sign for it, also what happens now that they are also going under the name of Capstone? we did get a letter telling us they were when we had the mortgage and it wouldnt make any difference to anything.

Miz_Print v Halifax Won :-D 24th july 2007:D

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Wow been a while since i was here!

 

Just gone through old documents with regard to claiming back ppi as i knew we were once ripped off with it. We took out a mortgage with Aps who arranged a mortgage with Southern Pacific Mortgage Company this was taken out in July 2005 and we have found that the policy was added to out mortgage at a cost of £3,483.63 on the forms we have it says interest payable in addition to the premium £2,808.45 totally a whopping £6,292.08!

We had a salesman come to the house to sort out the mortgage and looking at the forms HE actually ticked the bit for the ppi obviously skirting round the fact you paid interest also my husband was infact self employed,

(IMO Product mis-sold)

since rereading i think that is ok, cover was only for 3 years too

Can i also just ask if all the other fees are legite on this too as looking down the list it says;

£499.00 arangement fee (added to the loan)

£40 chaps fee payable on completion (added to the loan

£2,495.00 Broker fee non refundable it says (added to the loan) This line could be useful as I understand there are sometimes massive differences between the PPI figure payable to the company and what is being paid to the broker:eek:

£600 legal fee?? payable on completion (added to the loan)

£150 one off payment title insurance it says ask us about it!!! (added to the loan)

I would like to know if all these bits are legal they dont tell you that all these are adding god knows what interest on top, i really dont know where to start the mortgage as now been paid off.

 

Firstly have you looked through the stickies at the top of the PPI forum?

 

If you have do you consider you have a claim for mis-selling of PPI?

 

I cannot comment on the relevant fees but there could be issues on the fact a broker was used.

 

Have you sent a Subject Access Request?

 

If you have what response did you get?

 

If you have not you need to send one with the statutory fee of £10.00 to get all the data on yourself with regard to this mortgage as a matter of urgency.

 

If you do not have all the original paper work then SAR and ask for every little bit of data with regard to you and this mortgage.

 

Are you able to post up a copy of your Consumer Credit Agreement? but with all the personal details deleted ie names. sort codes, account numbers, addresses etc. it could help:)

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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I recived a reply from spml saturday saying the following; that they are acknowledging my letter, upon investigation they identified that APS Mortgages arranged the mortgage and that spml was not party to any discussion concerning the insurance and/or its terms and conditions at the point of sale. The responsibility for the sale rests with the company who introduced us to spml and we must therefore direct us back to APS Mortgages (they added address) They went on to say that a ppi was not requested in the application forms received from the broker and so spml did not arrange any cover. Any issues must therefore be redirected to Aps, we are soory that we are not able to uphold your complaint and tell us to if we wish refer to the fsa. They then say if they have not heard from us within 8 weeks of this letter they assume the matter is completed and close the file!

 

I want to know what can i do as aps is no longer trading or are they??

I have the forms for the mortgage that the broker ticked for the ppi and also a copies of all the breakdown statement of facts for the mortgage, how can they say that we didnt ask for it they must have know it was added on to the balance that we wanted to borrow it just dosont make any sense so why are they saying we didnt request it?

 

Can anyone offer advice as to what to do next as i am at a loss?

Miz_Print v Halifax Won :-D 24th july 2007:D

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Do you have an address for aps on any of your paperwork?

 

If so please post.

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Basic details for:

 

300788 - Aps Mortgages (UK) Ltd

 

Current status: No longer Authorised Effective Date: 26/01/2009 Tied Agent:

Undertakes Insurance Mediation:

Registered under Money Laundering Regulations:

Address: Unit 3

York House

Edison Park

Hindle Way

Swindon

Wiltshire

SN3 3RB

Phone:44 01793 600 001

Fax:44 01793 484 968

Email:[email protected]

Website:www.apsmortgages.co.uk

 

If this is the company in question they are no longer authorised.

The were authorised when they were in business by the Financial Services Authority, so you may have some chance of compensation from the Financial Services Compensation Scheme. (FSCS) here is a link.

 

http://www.fscs.org.uk/consumer/

 

There is no record in Companies House for aps mortgages uk ltd....http://www.companieshouse.gov.uk/

 

Hope this gives you some hope.

 

aa

 

 

 

Edited by alanalana
tedt added

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Thank you Alanalana for replying, yes that is the same adress i have on the letter apart from unit 4 not 3, so am i right in thinking that as Aps came to my house to set up the mortgage with spml that they are right to say that they are not responsible for the miselling of the ppi? they even said in the letter that it wasnt requested on the forms when it clearly shows it was!

Also they must know that Aps is no longer trading so why have they said they will post my complaint on to them and suggest i also contact them?

Is the Fcs my only hope?

Miz_Print v Halifax Won :-D 24th july 2007:D

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Thank you Alanalana for replying, yes that is the same adress i have on the letter apart from unit 4 not 3, so am i right in thinking that as Aps came to my house to set up the mortgage with spml that they are right to say that they are not responsible for the miselling of the ppi? they even said in the letter that it wasnt requested on the forms when it clearly shows it was!

Also they must know that Aps is no longer trading so why have they said they will post my complaint on to them and suggest i also contact them?

Is the Fcs my only hope?

Firstly let me get my head arount this aps were the company that visited to set up the mortgage with spml?

 

Do you have a Consumer Credit Agreement (CCA) and if so is the agreement with SPML or aps? (if the agreement is with SPML then you should be claiming from them, because presumably you are paying you monthly payments to spml and not aps)?

 

The address for spml in the FSA Register is this:

 

302027 - Southern Pacific Mortgage Limited

St. Johns Place

Easton Street

High Wycombe

Buckinghamshire

HP11 1NL

Tel: 44 0845 603 2905

Fax: 44 0845 603 2906

email: [email protected]

 

and spml are still regulated by the Financial Services Authority.

 

they are also listed under companies house with this address:

 

Name & Registered Office:

SOUTHERN PACIFIC MORTGAGE LIMITED

ST. JOHNS PLACE

EASTON STREET

HIGH WYCOMBE

HP11 1NL

Company No. 03266119

 

 

If your claim is against spml because your consumer credit agreement is with them then that is fine if you are claiming against aps then I believe you will have to go, as mentioned in a previous post to the Financial Services Compensation Scheme.

 

Looking at the email addressess spml seem to also be linked to capstone mortgages see this:

 

Name & Registered Office:

CAPSTONE MORTGAGE SERVICES LIMITED

ST. JOHNS PLACE

EASTON STREET

HIGH WYCOMBE

HP11 1NL

Company No. 05381786

 

What would help, is to know what information appears on your signed (CCA).

 

I do not know where you addressed your original letter but this is again from the FSA Register for complaints to spml.

 

Contact for Complaints: Tony Marek

Address: St. Johns Place

Easton Street

High Wycombe

Buckinghamshire

HP11 1NL

Phone: 44 0845 603 2905

Fax: 44 0845 603 2906

Email: [email protected]

Website:

 

hope this helps to clear any confusion.

 

aa

 

Edited by alanalana
text added

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

Firstly let me get my head arount this aps were the company that visited to set up the mortgage with spml?

 

Do you have a Consumer Credit Agreement (CCA) and if so is the agreement with SPML or aps? (if the agreement is with SPML then you should be claiming from them, because presumably you are paying you monthly payments to spml and not aps)?

 

The address for spml in the FSA Register is this:

 

302027 - Southern Pacific Mortgage Limited

St. Johns Place

Easton Street

High Wycombe

Buckinghamshire

HP11 1NL

Tel: 44 0845 603 2905

Fax: 44 0845 603 2906

email: [email protected]

 

and spml are still regulated by the Financial Services Authority.

 

they are also listed under companies house with this address:

 

Name & Registered Office:

SOUTHERN PACIFIC MORTGAGE LIMITED

ST. JOHNS PLACE

EASTON STREET

HIGH WYCOMBE

HP11 1NL

Company No. 03266119

 

 

If your claim is against spml because your consumer credit agreement is with them then that is fine if you are claiming against aps then I believe you will have to go, as mentioned in a previous post to the Financial Services Compensation Scheme.

 

Looking at the email addressess spml seem to also be linked to capstone mortgages see this:

 

Name & Registered Office:

CAPSTONE MORTGAGE SERVICES LIMITED

ST. JOHNS PLACE

EASTON STREET

HIGH WYCOMBE

HP11 1NL

Company No. 05381786

 

What would help, is to know what information appears on your signed (CCA).

 

I do not know where you addressed your original letter but this is again from the FSA Register for complaints to spml.

 

Contact for Complaints: Tony Marek

Address: St. Johns Place

Easton Street

High Wycombe

Buckinghamshire

HP11 1NL

Phone: 44 0845 603 2905

Fax: 44 0845 603 2906

Email: [email protected]

Website:

 

hope this helps to clear any confusion.

 

aa

Alanalana, firstly i did say in my first post that it was a one off single payment ppi, Aps came to the house to sell me it, all i have is the key facts pages which were prepared by APS (Product confirmation letter), so your saying that spml didnt have anything to do with it?

Am i best now then just going to the Fsc scheme?

I just cant understand why they would pretend that i didnt sign for it when it was added onto the mortgage they must have know surely?

Miz_Print v Halifax Won :-D 24th july 2007:D

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Alanalana, firstly i did say in my first post that it was a one off single payment ppi, Aps came to the house to sell me it, all i have is the key facts pages which were prepared by APS (Product confirmation letter), so your saying that spml didnt have anything to do with it?

Am i best now then just going to the Fsc scheme?

I just cant understand why they would pretend that i didnt sign for it when it was added onto the mortgage they must have know surely?

 

Right then

 

the PPI, sounds to me that this part may be regulated for the purposes of the CCA 1974

 

however, it seems as if you need some more info here as you dont seem to have the documents that you need.

 

by the way the old "you need to speak to the introducer" is nonsense, if they paid a secret commission then they would get caught up in the liability with the broker themselves, so what im saying is you could sue either broker or lender, each owe a duty of care to you

 

I think that you need to secure the underwriting sheet as this is essential to your case as it will disclose to you all the real costs of the borrowing, and any hidden costs too

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  • 2 years later...

Sent off a SAR to Acenden

my account was with APS/Southern Pacific when i left them it was with Capstone!

Know for a fact that there is misold PPI added on in a single PPI payment this was sold to us via APS who came to the house.

I paid the mortgage off in Oct 2008.

Did already write to them in 2009 to be fobbed off with them saying it was nothing to do with them and that it was sold with a broker

even though the PPI was infact added to the mortgage,

the agreement and paperwork will show this when it comes.

Left it for a while as i was moving and had a lot on at the time but thought with the ruling now i would try and reclaim it again.

 

They were rather awkward with the SAR saying they wanted documents with my husband and i's signiture on as the address etc wee now different.

They said either original passport or driving licences or if copies stamped and signed by a solicitor!!

Probably trying to put me off with the cost but i did send them original driving licences which i actually got back today

with a letter saying the usual 'we have 40 days to suppy the information'.

 

Will keep you posted on any developments as i know that Acenden are a nightmare according to other threads :|

Miz_Print v Halifax Won :-D 24th july 2007:D

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your claim should be fired at whomever you paid your loan PCM too

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Right got a pile of paperwork this morning from Acenden although dosn't seem that much. I am quite surprised as i thought they would definitely wait until the 40 day deadline, will trawl through it this afternoon and let you know the outcome!

Miz_Print v Halifax Won :-D 24th july 2007:D

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Right i have had a look through the papers that Acenden have today sent me and it seems that they have 'forgot' to add the main keyfacts sheet that showed all the ppi, before i moved to Canada for a short time i had this and it said a one time payment of; £3,483.63 with int at £2,808.45= £6,292.08. I lost these papers when i moved :-x

The main forms they sent were the mortgage application forms so they stil haven't sent the credit agreement forms, i got all letters and recorded telephone calls etc.

The letter they enclosed also stated that' where data relates to a third party details will not be released; Details of any agreements between broker/lender/packager written or underwritten, in relation to commisions or any other payments. This is not data relating to the account holders and as such Southern Pacific does not consider itself under no obligation to provide this pursuant to the Data Protection Act 1998 and subsequent guidence published by the Information Commissioner's Office. It goes on to say in another section that it won't disclose details of commisions made in relation to the loan.

 

I do have a form with the mortgage application forms that does state the amount of procuration fee that the broker expects to be paid for this mortgage and this is; £2,529.87

 

They have shown all the other fees except the ppi key facts sheets it is so frustrating but what they have sent sort of looks ok but i know its not! what should i do now as without this i can't do nothing?

 

Miz_Print v Halifax Won :-D 24th july 2007:D

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iwould reply with what you want to see usign the failure to comply letter from the library

though you should wait the full 40days first

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thank you, i will get a nother letter off today, do you think i should state clearly what i know is missing? They said when i approached them a few years ago that the policy was nothing to do with them etc, the papers they have sent ae not showing any ppi yet on the 'missing key facts' sheet that i had previously it clearly shows the ppi including interest too, it is like they have 'hidden' it on the info they have sent me.

Miz_Print v Halifax Won :-D 24th july 2007:D

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Can i just ask someone about this PPI, I know i had it it as i explained earlier i once had the key facts sheet that clearly showed this, this was not sent with the SAR info received. I have wrote to them stating that the credit agreement and the key facts ppi sheet was missing despite them saying the credit agreement was enclosed (they sent the mortgage application forms)

 

My question is i know that we were definitely misold the ppi as we were told no info about this and just assumed it had to be taken on a condition of the mortgage, what will happen if they will not send me the key facts sheet that clearly show this information as they stated that they will not release any data relating to a third party such as agreements between lender/broker/package written or underwritten as this is not data relating to the account holders!! if i don't have this info how can i prove anything??

someone please help it's driving me nuts!

Miz_Print v Halifax Won :-D 24th july 2007:D

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i would not worry upon your reason for claiming it back

 

its for them to prove you reqyested it with written evidence

 

them you'll get the sheet that is missing if they wish to use it.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thanks dx, but what will proof will i have if i they don't send it that i even had ppi? i can't claim it without proof can i?

the ppi was issued through Premier Writers in Cleckheaten and i did once write to them but they referred me back to the boker as they said they had no party to the sale of the insurance and were not there at the time! The broker was APS who no longer exists but the single ppi payment was added to the mortgage.

The paperwork that Acenden have sent me shows nothing it is clearly 'hidden' away.

 

Miz_print

Miz_Print v Halifax Won :-D 24th july 2007:D

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