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    • hi guys, the only letter ive got is here for you to look over. 
    • I am sending the letters today.   Last question. Should i advise them in the letter that all payments are going to stop until they give the info requested or should i simply stop paying anyway from my Augusts due dates?   Do they have power to send bailif's etc proceed to court if i stop paying? they don't have my phone number which is good but i will expect letters once i dont pay
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    • I've just looked again at the CCA and it looks like whoever has photocopied it has stuck a 'post-it' note over the credit limit and repayment details, so obscuring a lot of the wording on the form.
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enoughisenough

Important Announcement For Capstone Mortgage Services Victims

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3530 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have just had a letter back from Barclays Head Office. They have appointed someone to look at my compaliant, re Capstone/SPML. It could be that Barclays do not know what is happening, as most SPML customesrs do not realise that Barclays bought Capstone and SPML from Lehman Bros.

The problem lies with the judges, in re possession cases. I think the system should bre changed, with such cases going in front of people with specialist financial knowledge.

I suggest that people write out a report regarding SPML, detail history, as briefly as possible and send it to Barclays Head Office in London., Customer Relations. London. E14 5HP.

I will be sending the FSA a copy of SPML's Lending and Mortgage Conditions, to show how customers have been duped through the burying important information, in the middle of incomprehensible taxt. That is how SPML was able to sell on mortgages etc without informing mortgage holders. Page 4 para 7:Transfer of Company's rights

On another thread, someone said it was not important. Yes it damn well is, it involves people's homes and thousands of pounds worth of equity.

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margaret williams

 

If true that is very interesting

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I.t is true, Barclays are investigating my complaint and Vince Cable,Lib Dem, has also paid attention, judging by the Daily Mail on Saturday.

Everyone, write to Barclays and reveal what has been going on. send copies to Brown, Vince Cable and whoever the Conservative Shadow Chancellor is. Now is the time, as an election is in the offing. This gives the advantage to those who have been ripped off

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When did Barclays buy Capstone and SPML ?

 

Do you have anything to back up your claim ?

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MW is posting unadulterated half baked nonsense. If she means to come on board and help she needs to do the following.

 

Do her homework.

 

If she wants that substantiating I'll happily oblige.

 

Please take no note of this rather tiresome irritant until she posts something, ANYTHING, worth taking into consideration. At least four experienced posters have now said the same thing.


Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Got my N244 form in Going to fight my case on 31st March complained to FOS and CIB about Capstone wish me luck Im going to win these people!!!! :D:D:D:D

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Have you submitted to the court yet? Please say no, or at least you knew what your arguments and points of law were before doing so.

 

PM me if you need to.


Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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That is at least you & me hopefully lots of others that have complained to FOS about capstone/SPML.

 

Wishing you GOOD LUCK.

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I have a complaint being dealt with as we speak..........the second one in a year!


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mines only being a week they havent got back to me yet hopefully they will soon

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Thanks for the rude messages. i thought this was supposed to be a sensible forum to help the ripped off.

CAB are the people who are dealing with this matter. They have stated that sub prime mortgagors have been robbed. They requested that I ask for all documentation.

Lib Dem MP Vince Cable is on the case

The FSA have just received a bundle of papers from myself, including the Terms and Conditions booklet

Barclays are also investigating

Instead of posting rude comments, try phoning Barclays Customer Services. Ask them if they bought SPML. Also check the Finacial Times.

google in SPML/Eurosail and go to Companies House, Irish Stock Exchange. There you will find,in black and white, that both companies are insolvent, December 2009 and that both Barclays and Morgan Stanlety are involved re securities and notes. Stop playing around.

You will soon see who is right

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This is from companies house today

 

 

Name & Registered Office:

SOUTHERN PACIFIC MORTGAGE LIMITED

ST. JOHNS PLACE

EASTON STREET

HIGH WYCOMBE

HP11 1NL

Company No. 03266119

 

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Active

Date of Incorporation: 15/10/1996

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6523 - Other financial intermediation

Accounting Reference Date: 30/11

Last Accounts Made Up To: 30/11/2008 (FULL)

Next Accounts Due: 31/08/2010

Last Return Made Up To: 20/09/2009

Next Return Due: 18/10/2010

Last Members List: 20/09/2009


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This is also from companies house today for one of the many Eurosail entities

 

EUROSAIL-UK 2007-4BL PARENT LIMITED

C/O WILMINGTON TRUST SP SERVICES (LONDON) LIMITED FIFTH FLOOR

6 BROAD STREET PLACE

LONDON

UNITED KINGDOM

EC2M 7JH

Company No. 06265728

 

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Active

Date of Incorporation: 01/06/2007

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

7487 - Other business activities

Accounting Reference Date: 30/11

Last Accounts Made Up To: 30/11/2008 (GROUP)

Next Accounts Due: 31/08/2010

Last Return Made Up To: 01/06/2009

Next Return Due: 29/06/2010

Last Members List: 01/06/2009


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I do think that you have got your wires crossed a bit margaret and you should be careful to double check things.

 

We are all in agreement that the sub prime sector is on the make and we are all getting ripped off but as you will see from the long spml thread many of us have been working on this for a long time and it is all very complicated.

 

I am sure your intentions are good but we must all be careful with what we post here as some will take it as gospel without doing their own checking.


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Margaret

 

Please forgive me if i come across in the wrong way. Can you tell us where you actualy are with Spml? What is the situation you are facing at the moment, are you fighting the **** regarding repossession or do they owe you thousands in charges? because from what i can see from the first post you made on 22nd feb and to what you have actually posted today...nothing seems to be making any sense to your situation, and what you are posting is stuff that we posted way back in the early days of this thread!!

 

please clarify your situation with spml et al.


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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Hi everyone today i have managed to find myself a solicitor who is working hard on our case and will be representing us in court on wednesday, I will keep everyone updated on what happens (wish me luck):D;):):lol:

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wishing you the very best of luck, joby73.

please do keep us updated.


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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Brassed-off-2

 

I most certainly will keep you updated i have had some very valuble help on these boards, In court 31/3/10 at 10am those gaggers who helped me a massive thankyou you no who u are :cool:

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I didn't know that Barclays had bought SPML. Opens a whole new can of worms does that.


A+L S.A.R - (Subject Access Request) sent 28th July. Statements rec'd 01 Sept. Letter requesting repayment of £4,979 sent 18/09 MCOL sent 15th Nov £6389.57. Cheque received £6425.54 4th Dec.:D

MBNA S.A.R - (Subject Access Request) sent 28th July, promised reply by 28th August. Cheque rec'd £250 31 Aug.:confused: . 2nd letter sent 7 sept for rest of charges to be returned. £243 rec'd 28th Oct:D

CCA sent 1st Credit 11th August, reply 15th Aug

Request for repayment Rooftop Mortgages for £1095, reply saying no on 17th Aug.

Still to come: Cap. One, Time retail, HFC Bank.

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Hi Andrew

 

This is from one of the prospectus's

The Account Bank

Barclays Bank PLC, acting through its branch at 1 Churchill Place, London E14 5HP, will be appointed

as Account Bank pursuant to the bank agreement (the "Bank Agreement") to be entered into on or about

the Closing Date between the Issuer, the Cash/Bond Administrator, the Mortgage Administrator, SPML,

SPPL, the Account Bank, the GIC Provider and the Trustee.

 

 

Barclays bought Nomoura i believe after lehmans went bankcrupt but you should do your own checking before taking anything read on here as gospel


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Brassed-off-2

 

I most certainly will keep you updated i have had some very valuble help on these boards, In court 31/3/10 at 10am those gaggers who helped me a massive thankyou you no who u are :cool:

 

 

Well update is we have won yes won them!!!! No doubt they will have us back in court again soon with more excuses,

 

The Judge got very Irate with capstone leagal team for dragging us back before the court again for no valid reason he could clearly see that we had kept to our payment plan the judge in the end told capstone to basicly shut there mouth great result but next plan is im selling im getting out of the mortgage buisness......:D:D:D:D:D:D:D:D:D:D:D:D:D

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Hi Joby

 

WELL DONE YOU!

 

Have a good Easter


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Well done Joby.

:D


Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Really pleased for you, Joby.

Well done!


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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Here is my case:

 

We had/have a mortgage with SPML and obviously, Capstone collect the payments each month.

 

My problem is this, we have never been late with a payment in over 2 years and our mortgage is now on the libor rate.

 

As we have never missed a payment, we have rarely had to deal with Capstone however, I understand the problems and legalities involved regarding securitisation.

 

For the safety of our home, we will continue to pay the premiums however, I would like to start the complaint procedure with Companies House for trading insolvently and also, I would like to the test the unfair contract terms issue.

 

My contract is with SPML and aside from the fact that they never had the intention to honour the mortgage for the full term, they are free to sell the mortgage on.

 

I suppose the big question is what would I be seeking as a resolve to the matter...

 

a free house ?

compensation of payments made to date ?

 

At the end of the day, irrespective of the state of SPML, someone else now owns the mortgage....the big question is who !

Edited by bgqs

Claims:

bgqs v Barclays (Claim No.1) - Claim Issued 16/3/07 Await Defence to be Entered - Data Protection Act Non-Compliance - *WON

 

bgqs v Barclays (Claim No.2) - Prelim Letter Sent (Charges + s.68 Interest) - 16/3/07 - *WON

 

bgqs v Halifax - Prelim Letter Sent (Charges +C.I Interest) - 16/3/07 - *WON

 

*Paid Deposit on New House with my Winnings !

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