Spml* Withdrawn*

[Les Gunn]

Ello,

 

Got my S.A.R - (Subject Access Request) request statements sent on 20th July from Capstone Mortgage Services.

 

Worked out they had levied a £40 charge and 2 x £25 charges - sent repayment request on 28th July THEN followed it up with a letter requesting a full breakdown of the ERC of £4948.64 on 9th August.

 

Received a letter from Marcia Wingrove in their Collections Dept offering me refund of the 2 x £25 fees but not the £40 Deeds Release fee (which I prob claimed in error anyway).

 

That said, i'm awaiting their response to the ERC fee. If they come back and don't detail how the charge was arrived at, it'll be LBA then MCOL!! I realise that few have succeeded so far, but all the more reason the "raise the bar" and stop this unfair treatment!

 

[Les Gunn]

MCOL filed today for £5068.64 - wish me luck!

[lisamellor]

good luck!

 

lisax

[Les Gunn]

Thanks Lisa - judging by the momentum gathering steam, I hope i'm successful too - they can't be allowed to cream money off people because of their financial status, either now or previously.

[Bonus77]

Good luck mate!

[norvernrob]

Great stuff, I have just sent off the prelim to Capstone for just under £4k, so I will be following this thread and routing for you all the way!

[Les Gunn]

Good luck Norvernrob!

[Les Gunn]

Interestingly, SPML's fob off letter to me, states that in their Investigation, the ERC levied on my account was 5%, so on my sub total of 71,066, with 5% and Redemption Charge of 140, the final total should be about 74,759 - have I got my sums correct??

 

According to my final statement, I was charged 7% ERC and paid 76,179 inc 140 ERC charge!!!

 

A bit of a cock up then would you say? See what the judge thinks...

[norvernrob]

So their calculations are so good, they don't even know how much they charged you? Typical.

[gizmo111]

Interestingly, SPML's fob off letter to me, states that in their Investigation, the ERC levied on my account was 5%, so on my sub total of 71,066, with 5% and Redemption Charge of 140, the final total should be about 74,759 - have I got my sums correct??

 

According to my final statement, I was charged 7% ERC and paid 76,179 inc 140 ERC charge!!!

 

A bit of a cock up then would you say? See what the judge thinks...

 

How is that split on redemption fee - oart of that will be a months interest - can you post exactly what redemption says?

[Les Gunn]

Hi Gizmo,

 

On my mortgage agreement it says 7% or £4948.60 until 140605 - I redeemed on 290305.

 

The SAR request statements say the following:

 

290305 Interest Charged £397.02

290305 Repayment Charge £140.00

290305 Early Repayment Charge £4948.64

 

Hope this helps

[gizmo111]

Hi Gizmo,

 

On my mortgage agreement it says 7% or £4948.60 until 140605 - I redeemed on 290305.

 

The S.A.R - (Subject Access Request) request statements say the following:

 

290305 Interest Charged £397.02

290305 Repayment Charge £140.00

290305 Early Repayment Charge £4948.64

 

Hope this helps

 

So it is the 4948.64 that you will be reclaiming - what amount did you put in your prelim?

[Les Gunn]

I sent a seperate letter about 2 x £25 charges and they offered to refund these. So see if they do now they have the paperwork saying I accept only in partial settlement lol!

[Les Gunn]

Not sure if the SPML spies are reading these forums (i'm sure they must be!) because I had a letter dated 12th Sept, in which an "Audit of Complaint investigation" had been done after my letter telling me to bog off was sent, and the ERC rate "mistake" had been spotted...and the letter amended this to 7% instead of 5....hmmmmm!

[TillyTrot]

Can i ask what charges you can claim back from SPML ?

[Les Gunn]

Hi TillyTrot,

 

I have asked for the penalty fees back relating to 2 I incurred when a DD wasn't paid and the ERC which is the one i've issued the MCOL for.

 

In terms of what you can claim for, have a scoot around the site - there are a few examples of what you can claim back. Have you got your breakdown yet?

[gizmo111]

Hi TillyTrot,

 

I have asked for the penalty fees back relating to 2 I incurred when a DD wasn't paid and the ERC which is the one i've issued the MCOL for.

 

In terms of what you can claim for, have a scoot around the site - there are a few examples of what you can claim back. Have you got your breakdown yet?

 

And if you get stuck have scoot around for zoot who has an amazing wealth of info that she is more than happy to share.

[TillyTrot]

Hi Les,

no i haven't got any info yet was just wondering if i have a claim with them, I have a secured loan which i have been in arrears with and nearly had my home repossessed, i am paying each month but just don't seem to be getting anywhere cos of charges they keep adding on for arrears i just wanted to know if i have a claim against them.

[essjaysea]

SPPL (Southern Pacific Personal Loans) will, on request, send you a mortgage account statement, which will show all the transactions, including charges, since the loan was taken out. I think they make a charge for this service, which if memory serves is 20.00. Alternatively you could send a Data Protection Act S.A.R - (Subject Access Request) letter, which only costs 10.00. You can then add up all the charges etc, and reclaim them.

 

However, as the account is still open, it might be an idea to see if you can arrange alternative funding, before you put in your claim. This will attract an ERC, but you may be able to claim that back as well.

 

You can definitely claim these charges back

[Les Gunn]

Here's the latest guys n gals....

 

I called SPML yesterday and spoke to a very polite guy in their Compliance dept, asking him if my Court papers had been received.

 

Surprise, Surprise, no!

 

After being accepted on the 8th and deemed served on the 12th, no sign...how strange!

 

Anyway, I was very helpful and told them the case number and to contact the Court. The clock is ticking...!

[Tazz]

Interesting stuff Les - I am just about to start against this crowd.

 

May I ask - which address did you use for the SAR ? Did you go through the registered address or via Capstone ?

 

Tazz

[Les Gunn]

Hi Tazz!

 

I initially sent it to the High Wycombe address, but they seem to deal with stuff legally from their Broadgate, London address, so that's where the MCOL went.

 

1st Floor

6 Broadgate

LONDON

EC2M 2QS

 

Good luck with yours

[Tazz]

Thanks Les.

 

I look forward to seeing some progress with your claim - once they find it that is.............

[Les Gunn]

Claim has been acknowledged - I wait with baited breath.

 

[Tazz]

Claim has been acknowledged - I wait with baited breath.

 

 

Fingers crossed Les !