Spml eviction capstone cowboys - help please

[bathspray]

Can anyone advise please.

 

We have just had our house reposessed by Ascendum/Capstone/SPML/COWBOYS - just last month (Its now up for sale at a ridiculously low price).

 

Too cut a long story short the mo. co was chasing me for 3 months arrears. We were going through a bad patch with work etc (oh and the csa)!. We had got into arrears last year with the mortgage and that was paid up then we got into arrears again. They were threatening eviction etc and when we made phone calls to try to make an offer we were told (FULL PAYMENT TO CLEAR ARREARS ONLY!).

 

Anyway we moved out and rented a property as we were sick of the bullying tactics and that of the csa also(who were also trying to force a sale via charging order on the property).

 

We have just read about all the charges people have been charged and realise that we have been charged all of the same and in fact if we hadnt we probably wouldnt have been in the situation(TOO LATE NOW WE REALISE!!).

 

Is it too late to claim any charges or fees???

 

The outstanding mortgage was £116000 house is up for sale with an agent for £135K. The csa have a charging order for £20k - (long story).

 

Also house in sole name - partner of 9 years not on it. 2 small children also.

 

If we could recoup some monies it would be a great help as because of the situation we are finding it hard to make ends meet. Also wether right or wrong as we have moved we have had no contact with the mortgage company since and hence they dont know were we live (and csa also)

[bathspray]

Also on the date of the eviction ascendum contacted us by phone call. The time of eviction was at 11am and they called at 9.58am to say that if a payment was made the eviction could be stoppped. Obviously by this time we had made arrangements for somewere else to live and scraped and borrowed for the months rent and months deposit so this was not an option. We explained to the mo. co represenattive that if we had been offered this help months ago we would have taken it and that he was the 1st person to have listened to our circumstances. We couldnt afford it so we just went at 11 am and handed our keys to the lady sat outside our old house. Gutted isnt the word. The amount of arguments in our house that were caused by the noose put around our necks by ascendum or whatever they call themselves was unbelievable. Thankfully home life is a little better without the noose but still its not our own home. Thanks to these cowboys who change there name more than anything - I would strongly urge any new prospective homeowners STAY AWAY from this company at all costs.

[peterjm]

bathspray if only you had come here earlier and could have contested the eviction you saw what was taking place on daves thread.Maybe as the house is for sale in a poor market its not too late to have the court order rescinded.

You are very isolated here suggest you post up your situation on the main spml thread here and ask fo ellenns help to see if theres a way back and yes you can claim back the charges.Post up your whole story such as was your house under a suspended repo order and what were the full arrears they stated you owed and the true arrears ie missed payments.

main thread:http://www.consumeractiongroup.co.uk/forum/showthread.php?170607-Spml-london-Mortgage-Company/page356