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Capstone/Acenden reposession date


slgsue
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Goodn luck for tomorrow SigSue....We are still in arrears for over 6k some 12months after our court appearance...

 

Fretful excellent information re the brokers, as this is where i believe our problems began, but never quite understood how to tackle the problem.

any links would be appreciated.thanks once again.

b-o-2

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Sorry to bother you all, but am feeling quite vulnerable this evening.

 

In court tomorrow,

have made the payment today as promised in my statement,

even the idiot that took the payment didnt know when the eviction was to take place, or for that matter that I have a hearing tomorrow!!!

 

I am fretting,

what do I do if the judge says

"No, you have had too many chances, the order stands".

 

We have no back up plan, I am scared.

 

Got my best work attire in the washing machine ready to iron and look completely respectable.

I am fully aware of the tosh that will come out of their solicitors mouths, and am hoping to be strong enough if they approach me before hand to respectfully decline any discussions until we see the judge.

 

This is the only place that I know of in the world where I can get the understanding, support and help I need and will once my situation is sorted be donating a regular sum to the upkeep of the site.

 

Ell-en, even if it doesnt go my way tomorrow,

you are one amazing person and should be knighted.

The support on this site is immense,

I have tears in my eyes right now as I am anticipating the worst!!!!!!

CAGGERS you are truly amazing

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You're not bothering anyone at all - it's completely understandable how you are feeling tonight. Anyone who has been in your situation will tell you they have felt the same.

 

I can only say that you have the best chance that anyone could have given your circumstances. You have done your homework, got your plan together and have presented the facts as clearly as possible. When you go into that hearing tomorrow, you are taking the strength of all those who have done the same thing and won!

 

Make sure you get to the court in plenty of time and see if there are any free legal reps there - ask the court staff and they will point them out to you. If they are there, show them your paperwork and ask them to accompany you into the hearing. If the other side's rep tries to talk to you, don't give them any information, just say you'd rather wait for the judge to decide.

 

Do you have the proof of the payment you made today? take it with you and at the appropriate time say to the judge "Sir(or Madam) I have proof of the promised first payment as proposed to the Claimant", and hand it over.

 

Stay positive, it will soon be over and I'll be thinking about you tomorrow and waiting to hear your good news :)

 

Ellx

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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HI - can I but in briefly and ask:

 

re taking action against the broker or lender, we also have issues about our mortgage, broker paid a fee by lender and also by us, self-cert'd, etc etc, but I have always thought that we couldnt do anything because the lender will defend and then we'd get hammered for their legal costs - is that right???

 

thanks

PS can i ask what happens if the mortgage is found to be mis-sold - do you end up without a mortgage or what??

Edited by iconoclash
added posst script
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Hi slgsue I got this from the FSCS website

 

 

The firm I dealt with is no longer trading, but the FSCS says it cannot help me. Why?

 

As a fund of last resort, we can only consider claims if they cannot be paid by anyone else. If the firm is no longer trading but still has assets that could meet your claim, we are unlikely to be able to help you. This means that you will need to take your case up with the firm you dealt with.

If you are having problems finding the firm or its owners and wish to pursue your claim, we may be able to provide contact details. Please contact us.

If the firm (or its owners) will not consider your claim, you could take legal advice or contact your local Citizens Advice Bureau for help.

The Financial Ombudsman Service (FOS) may be able to help you make your claim in some circumstances.

A guide to the different roles of the FSCS, FOS and the FSA.

 

 

hope it helps

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This has been the longest day of my life but so worth it :D:D:D

 

Arrived in court with plenty of time and just sat and waited with my legs like jelly!!!!

Their solicitor approached me, was unaware of my recent payment, surprise surprise, and asked if I wanted a "chat" to which I informed him that I was aware of his intentions to execute the warrant and mine were to have it suspended so there was nothing to discuss!!!!

 

Called into court,

the judge took some facts and figures from their side and then asked my intentions.

 

 

I explained I was offering £200 extra and had made a payment yesterday which was not yet showing.

 

 

Obviously he asked why I had defaulted on this the 3rd arrangement and I explained about my son and that we are now back at work full time and can recommence the payment.

 

 

I also explained the reasons our payments are late is due to OH being paid on 15th of the month hence incurring the charges.

 

He then sat and wrote a few things and their solicitor told him they wanted more and that apparantly I had made an offer to pay £839,

where that came from I do not know and I did oppose this and said that I had never made such a proposal!!!!!!!

 

Mr Judge asked solicitor to confirm that he could change the payment date and he said

"I dont believe so Sir"

well I could have died laughing

 

 

then the judge did not look impressed and said

"You dont believe so? I am quite certain I can its the duration of the mortgage I cannot amend"

 

He did give me a bit of a dressing down and told me that this is my final chance to suspend the repossession, but has changed the date of my payments to 16th of the month and ordered that I pay £100 towards the arrears, half my offer :) so I couldnt be more happy.

 

Their solicitor asked for a quick word when we left and showed me that he could of ordered me to pay £14 a month and gave me advice regarding contacting CAP (Christians Against Poverty) about my other debts, was quite a pleasant surprise one of them being helpfull!!!

 

I just want to say a huge thank you for all of you support and want to say there is hope when all looks lost,

 

 

I am going to pay the greater amount but at least I know when it comes to special dates like birthdays and christmas I can just pay the ordered amount and use that extra to fund the special days!!!!

 

I am so happy I could sing!!!!!!!

 

That info is fantastic thank you. Brief update on today, the full details are on my thread in the Repo section.

 

SPML can go suck eggs, judge ruled in my favour, SUSPENDED and he changed date of payment and ordered I pay half what I had offered!!!!!

 

Now to start the claim against the mis selling of the mortgage :)

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Oh well done!! :) I'm so pleased for you - you've been very brave. Hope you can now relax and enjoy your home.

 

Ellx

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thanks all and yes Ell, I am going to make this work this time, cant go through that again!! Have poured a little drink to celebrate too!!!!

 

I am still baffled as to where the offer I made came from though, just another one of their lies!!!!

 

But as of today the only conversation I will be having with Capstone is once a month to pay them as they cant do a DD for any other day but the 15th.............. absolutely crazy:D

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You don't have to do a DD. Do a standing order so you can vary it yourself in line with what you planned in post 54.

 

I am quite prepared to believe they made up an offer if you cant remember it. Why would you make an offer if you could not afford it? They like to win.

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Their solicitor looked so embarrassed when I stated quite clearly that I had not made this proposal!!! he was actually a nice guy and didnt really oppose my application for suspension. When we were leaving he told me I had done really well so coming from the dark side I see that as quite a compliment!!!!

 

Ell you are a marvel x

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A good thing about this experience is that it has raised your capabilities. You now know that you can face these situations, you have more confidence, and less fear. This is one of the most valuable things this site does for people.

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Capstone have very kindly replied to my verbal complaint re charges last week, they are looking into it!!!!! Well we shall see, not holding my breath, would prefer the FOS to deal with it anyway

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Capstone have very kindly replied to my verbal complaint re charges last week, they are looking into it!!!!! Well we shall see, not holding my breath, would prefer the FOS to deal with it anyway

 

Forget the verbals..get it all in writing.

 

xxxx

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HI - can I but in briefly and ask:

 

re taking action against the broker or lender, we also have issues about our mortgage, broker paid a fee by lender and also by us, self-cert'd, etc etc, but I have always thought that we couldnt do anything because the lender will defend and then we'd get hammered for their legal costs - is that right???

 

thanks

PS can i ask what happens if the mortgage is found to be mis-sold - do you end up without a mortgage or what??

 

Hi - does anyone know the position if you are still with the same lender that u think might be mis-sold?? please:)

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Their solicitor looked so embarrassed when I stated quite clearly that I had not made this proposal!!! he was actually a nice guy and didnt really oppose my application for suspension. When we were leaving he told me I had done really well so coming from the dark side I see that as quite a compliment!!!!

 

Ell you are a marvel x

 

 

Don't think anything of it....move on. They want your house, not a garden party. They will all seem very nice and want a pre and post court chat .. I wonder why? To gain your confidence perhaps for future purposes?

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