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Capitalising Arrears - How easy/difficult/expensive is it with SPML/Capstone?

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Has anyone had success capitalising their arrears with Capstone. And if so how easy/difficult/expensive is it?


We've curently got about £3k arrears on a £224k interest only mortgage which Capsone are letting us pay off at +£100 each month, and we've been doing this for about 18 months.


I was happy with the arrangement, but it is really mucking up our credit rating as our credit report shows us over 6 months in arrears with mortgage payments, even tough we have an arrangement.


Only really worried now as our 11 year old car may need replacing soon, and I don't think we'd get a loan with the current credit score.

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i have been asking to capitalies my arrears with black horse for 2 years now, in fact they do not even bother to respond to my letter anymore, furrthermore i have mae offers but still dont respond, i have sort professional legal advice from Citerzern advice bureau and they even phoned on my behalf and black horse even ignored their compalint. what do you do if your lender will not respond an talk with you to resolve matters? they are charginf for being in arrears which i have disputed as had they dorted my problem out 2 years ago i wouls not be in the mess i am in, i have ha legal adive, wrote to numourous solicitors fro help, phoned comminuity legal advice, took their advice and still nothing. i feel there is a breakdown in communication with the lender now and i just do nto know what else to do. anyone have a veiw?

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I have asked Capstone many times to capitalise my arrears but they always say it's not possible. It appears on their charges sheet though.

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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I have asked Capstone many times to capitalise my arrears but they always say it's not possible. It appears on their charges sheet though.


They told me the same thing, we cannot increase the balance of the loan as we are not the owners of the debt but the adminstrators, they put far more on the balance in fines and charges than capitalisation of arrears would have done.

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