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    • Thank you BankFodder    Please can Andyorch advise me how to make the application and what to attach I will send this off tomorrow after 3pm, I can post up the final version here of what I need to send and send this on Monday if I know what I am required to do and what I now need to send to the Court to deal with this matter fully   Thank you so much to you both
    • I think you should probably follow the approach suggested by @Andyorch who is probably more up-to-date on these things and I am
    • Hi, we have managed to agree terms with this creditor, thankfully and finally.   Now we face another problem...my husband was declared bankrupt in 2018 by another creditor. Long story short, it's now in the hands of a trustee.  They have apparently completed a driveby valuation which is higher than the first creditor mentioned previously so the trustee believes there is more equity for them to take.  Our property is leasehold with a 54 year lease so tricky to value.  We made an offer based on the first creditors valuation which was rejected by the trustee because, guess what, their valuation stands. So, I am now fighting again to save our home. Is there anything we can do to challenge the valuation and suggest the equity isn't as high as they think it is? Will a trustee be brutal enough to effectively push us into a homeless situation during a global pandemic because raising the funds they are seeking, is somewhat out of reach? Any help is gratefully received. Thank you.
    • Hi Andyrorch and BankFodder   I have just read up the posts, I am confused as to what to do, please can I be advised which route to go finally and how this is done, based on the advices to date.   I will be able to look into this tomorrow as I am off work most of the day tomorrow after 3pm   Thank you
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Capital Returns said my mortgage was sold to me illegally


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Hi,

 

I had a call the other day from a salesman from a company called capital returns who asked me if i had any loans, ppi etc, so i stopped him and told them i knew all about that stuff and had already CCA'ed and claimed back everything i was entitled to. I was then asked if i had a mortgage and he said that the brokers fee and arrangement fee can be reclaimed, and as my mortgage will take me into retirement, it was sold to me illegally and i am entitled to compensation. He seemed really confident about getting loads of money back and asked if i would like them to act on my behalf and when i agreed he told me there would be a £995 upfront fee! So i suggested that if they win the money they can take it out of that, apparently their solicitors don't work that way... :rolleyes: Seems all very fishy to me. Has anyone heard of Capital Returns? Their website doesn't give much away. What about the money he said they could claim back and telling me that my mortgage was mis-sold to me as it takes me into retirement? Does anyone know if theres any truth in this?

Thanks for any advice.

:)

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First of all I would not deal with anyone who asks for fees up front. I will post a link to a thread that possibly could help.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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The upfront fee payment is the giveaway! If they were confident you were mis-sold a mortgage and you had a very strong case, then they should accept their fee from any compensation. In any case, why a fee? If they are solicitors and your claim is upheld, then they can claim their legal costs for the case. Perhaps they are not that confident. Avoid like the plague.

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  • 2 months later...

hi,i too had the same call,being 70yrs old i fell for it,he offered me the same as you,plus i would recieve £11,000plus,so i paid £95,sent them the info they needed,they said they would contact me in 2wks,no reply.i tried to phone them,no answer,i have an appointment with my bank to change my details

 

so,everyone

 

be warned

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  • 4 weeks later...
Hi,

 

I had a call the other day from a salesman from a company called capital returns who asked me if i had any loans, ppi etc, so i stopped him and told them i knew all about that stuff and had already CCA'ed and claimed back everything i was entitled to. I was then asked if i had a mortgage and he said that the brokers fee and arrangement fee can be reclaimed, and as my mortgage will take me into retirement, it was sold to me illegally and i am entitled to compensation. He seemed really confident about getting loads of money back and asked if i would like them to act on my behalf and when i agreed he told me there would be a £995 upfront fee! So i suggested that if they win the money they can take it out of that, apparently their solicitors don't work that way... :rolleyes: Seems all very fishy to me. Has anyone heard of Capital Returns? Their website doesn't give much away. What about the money he said they could claim back and telling me that my mortgage was mis-sold to me as it takes me into retirement? Does anyone know if theres any truth in this?

Thanks for any advice.

:)

i too have been scammed, does anyone have a contact number for capital returns.

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http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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  • 2 weeks later...

Hello i have been scammed also i have a few numbers keep trying them have had that many phone calls and keep the number that is displayed on my mobile.

 

01782626773

 

01782634925

 

01782618257

 

01782660909

 

Hope this helps :)

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H, DONT GO NEAR CAPITOL RETURNS THEY ARE A TOTAL RIP OFF!!!!!

 

I was approach last April by this rip off company sayin that i would get in the region of 15k back for PPI within 6-12 weeks after this time had pasted i struggled to get in touch with this company as the phone is permentantly engaged i also have written over 10 letters trying to get back my £995 that i had to pay for them to take my case.

I received a letter today saying that there was no way i would get back my money so now it is in the hands of my solicitor.

 

I was totally mis-sold their service and am now in dire straights and fuming!!!!!!!

 

As i have said DONT GO NEAR THIS COMPANY THEY ARE A TOTAL CON AND THEIR CUSTOMER RELATIONS ARE SHOCKING!!!!!!

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Thats awfull !!

 

 

Am trying to get my £95.00 refunded and it is proving rather difficult but am just going to keep annoying them till I get it !!!!!!!!

 

We should be able to report this company to some one it is so unfair what they are doing!!!!!!

 

Am a single parent who works hard to earn my money and £95 is a nearly a day and a half’s pay to Me.!!!!!

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  • 2 weeks later...

We stupidly went along with Capital Returns paying a £995 back in August, they are very amateurish, wrong names on letters etc. They have now said that they have transferred out account to a company called Bank Smart but nothing said about the £995. I am waiting for them to reply to my mail. I presume they have found there is nothing to be made on our account and so are passing it on and keeping our money. Will keep you informed as per our progress

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Hi all

The following is from the Ministry of Justice website

 

 

 

Business Details

 

Business Name: Capital Returns Limited Address: Brunswick House

16 Brunswick Street, Newcastle Town/City:

Postcode: ST5 1HL County: Staffs

Trading Names: Claims Litigation Specialists Sector: Financial products/services, Authorisation Number: CRM16301

 

As they are authorised by them may i suggest that you all lodge complaints via the MoJ

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Hello,

 

I have just sent my complaint to the moj hope the other people who have been conned do to.

 

We need to stop this company doing this to other people.

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  • 5 weeks later...

Hi like many of you, I was conned by Capital Returns, I paid £95.00 upfront last September, I then decided not to proceed, I didn't sign anything, simply returned all the papers, which were wrong anyway, they were wanting me to claim on my present mortgage instead of the one they'd mentioned, when I questioned this, they argued that it was the same company, (I really don't think so), but may as well try to claim from this one anyway!!

I had a letter from the the 9th October, 2009, to say I would receive a refund within 14 or was it 21 days, still waiting.

So I've been in touch with the Minister of Justice who said they are dealing with many claims against this company, advised me to write another letter, (I did this in December) and tell them I wish my refund to be made within 14 working days or I'll be taking further action, he also asked if they had permission to act on my behalf. If I do not get my refund with this, then I have to contact the MoJ again.

One big problem, the only letter I had from Capital Returns I sent to the MoJ, and now have no address for them, he did tell me it's

 

417 - 419 Shelton New Road, Hartshill,

 

but don't know any more than that, does anyone else have this address for them?

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obviously alot of other people being ripped off, try calling the directors!!!! Roger Simpkin -

Try giving them a call for your money.or look up the company on companies house for director addresses etc

 

if you are unhappy why not try contacting dennis at home,

20 paragon avenue,

clayton,

newcastle,

staffs,

st5 4ex

 

Look at the post below for updated information

Edited by batman1956
newer information

Dont let the parasite dca's prosper

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Told today by the Ministry of Justice they have stopped Capital Returns trading, so I guess any chance of us getting refunds is virtually nil! Thanks goodness it was only the £95 I paid, and not £995, I do feel for all you people who have lost this amount, I'd be totally devastated.

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it is interesting that the moj let these guys and others like them trade, and knew what they were doing. maybe you could charge the moj for your losses??? i am not sure, just a thought that they must be responsable for somthing.

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  • 1 month later...

I too have been duped, im so angry, both with the MOJ and myself. I coughed up £995.00 on my credit card.

I've sent letters and rang Capital (no answer), i'm awaiting an email from MOJ other than this im gutted, getting married in 2 months and could really do with this money....

 

Is there any way i could get this amount back?

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It may well be that because you paid by credit card theat your credit card company has liability. Check out the rules regarding this. You may get a 30 minute free slot with a solicitor to discuss your problem.

Dont let the parasite dca's prosper

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as i said before, i think it is about time that the MOJ and their staff took a look at their invovment in all this mess.

the were call the dca and spent a lot of money forming the moj who i belive were burton on trent trading standards.

they i think were to busy taking fees and regrestrations of these cmc`s (and con men) to realy pay full attention what their job is.

they must to some degree take some responsabilty for letting companies like capital, cartel, cck all set up and trade for 2years without stoping it if it was wrong, maybe it was just the case that the moj had not the correctly informed persionel to do the job and its taken them to long to katch up? i dont know but that is a prity poor excuse for losing thousands of people millions of pounds. if they had been on the ball it should not have taken them this long to find out who the crooks are and stop them...i think all of you who have lost your money should be sending lots of letters to the moj and ask them if they will refund your fees and see what they say after all they are the regulator and it is in a way their fault.....

its also funney how quite it has gone now about cartel client reveiw, capital and credit card killer,,,,,where have they gone???

 

again guys i am sorry for you who have lost money but the moj should shoulder some blaime as they not only authorised these companies, but took fees of them and sat and watched while rome was burning..

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  • 2 weeks later...

as i said before, i think it is about time that the MOJ and their staff took a look at their invovment in all this mess.

the were call the DCAlink3.gif and spent a lot of money forming the moj who i belive were burton on trent trading standards.

they i think were to busy taking fees and regrestrations of these cmc`s (and con men) to realy pay full attention what their job is.

they must to some degree take some responsabilty for letting companies like capital, cartel, cck all set up and trade for 2years without stoping it if it was wrong, maybe it was just the case that the moj had not the correctly informed persionel to do the job and its taken them to long to katch up? i dont know but that is a prity poor excuse for losing thousands of people millions of pounds. if they had been on the ball it should not have taken them this long to find out who the crooks are and stop them...i think all of you who have lost your money should be sending lots of letters to the moj and ask them if they will refund your fees and see what they say after all they are the regulator and it is in a way their fault.....

its also funney how quite it has gone now about Cartal Client reveiw, capital and credit card killer,,,,,where have they gone???

 

again guys i am sorry for you who have lost money but the moj should shoulder some blaime as they not only authorised these companies, but took fees of them and sat and watched while rome was burning..

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