Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

SPML Capstone Mortgage corp. EVICTION CANCELLED


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5628 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, before anyone says anything I know we have been totally totally stupid but now I'm really scared.

Our mortgage is with SPML and we had a repossession order made against us in May. I wrote to the company in June offering to pay 200 per month off the arrears which they accepted to begin in August. We couldn't pay in August or this month due to my young daughter being in hospital and we have received a letter this morning saying they have instructed their solicitors to begin eviction proceedings unless we pay the arrears in full (which currently stand at 5,990, most of which is their charges).

I know I should ring them and try to explain but I'm scared of them refusing point blank to accept the 200 a month again. 200 a month we can afford to pay, that's a certainty but I don't know what else to do to stop them from going for this eviction.

Please please please can someone help?

 

Thanks for taking the time to read this

scared79 xxx

Link to post
Share on other sites

  • Replies 119
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi, before anyone says anything I know we have been totally totally stupid but now I'm really scared.

Our mortgage is with SPML and we had a repossession order made against us in May. I wrote to the company in June offering to pay 200 per month off the arrears which they accepted to begin in August. We couldn't pay in August or this month due to my young daughter being in hospital and we have received a letter this morning saying they have instructed their solicitors to begin eviction proceedings unless we pay the arrears in full (which currently stand at 5,990, most of which is their charges).

I know I should ring them and try to explain but I'm scared of them refusing point blank to accept the 200 a month again. 200 a month we can afford to pay, that's a certainty but I don't know what else to do to stop them from going for this eviction.

Please please please can someone help?

 

Thanks for taking the time to read this

scared79 xxx

Link to post
Share on other sites

Hi there scared79. Firstly you are in no way shape or form stupid and NOBODY on this forum will call you that. Do you know why? because we have all been there.

 

You have made a very big step. That is telling strangers your struggling. From here on in we are all going to help you try and keep your house.

 

The first thing you need to do is to stop phoning them. This will be really hard as you will always want answers straight away, but you need proof of what they are saying.

 

The first thing you need to do is fill in an income and expenditure. you can find one on the National debtline website. I will try and find a link for you. Ell-enn is very good with this but i Believe she is having internet probs at home so shewill be online to help in the morning at some point. She will help you write a letter to SPML.

 

Please try not to worry. If you have a look through all my other threads (click on my name) you will see I have been in pretty much the same position with the same level of arrears and I still have my home and so have so many more of us on here.

 

Once you have filled out the I&E you will then be able to see if you can afford £200 a month. There is case law that will enable you to ask to spread the arrears over the entire length of the mortgage.

 

Please try not to panic and know it is easy for me to say but you are amongst friends now

 

olives xx

Link to post
Share on other sites

Hi there scared79. Firstly you are in no way shape or form stupid and NOBODY on this forum will call you that. Do you know why? because we have all been there.

 

You have made a very big step. That is telling strangers your struggling. From here on in we are all going to help you try and keep your house.

 

The first thing you need to do is to stop phoning them. This will be really hard as you will always want answers straight away, but you need proof of what they are saying.

 

The first thing you need to do is fill in an income and expenditure. you can find one on the National debtline website. I will try and find a link for you. Ell-enn is very good with this but i Believe she is having internet probs at home so shewill be online to help in the morning at some point. She will help you write a letter to SPML.

 

Please try not to worry. If you have a look through all my other threads (click on my name) you will see I have been in pretty much the same position with the same level of arrears and I still have my home and so have so many more of us on here.

 

Once you have filled out the I&E you will then be able to see if you can afford £200 a month. There is case law that will enable you to ask to spread the arrears over the entire length of the mortgage.

 

Please try not to panic and know it is easy for me to say but you are amongst friends now

 

olives xx

Link to post
Share on other sites

Thanks for replying :)

I haven't had a statement from them for about 5 months now but I know that on the last one it was 50 pounds for each month missed, plus admin charges for letters etc.

I can't pay anything on the account until the 6th of October as we only have 150 to live on until then, but as soon as I can I will be paying that plus the normal mortgage amount in cash.

Link to post
Share on other sites

Thanks for replying :)

I haven't had a statement from them for about 5 months now but I know that on the last one it was 50 pounds for each month missed, plus admin charges for letters etc.

I can't pay anything on the account until the 6th of October as we only have 150 to live on until then, but as soon as I can I will be paying that plus the normal mortgage amount in cash.

Link to post
Share on other sites

Thanks OLIVE.FAMILY, we have already gone through our income and expenditure on our own but I think a proper budget sheet would help lots! The thing that's scared me most is the letter they and their solicitors have sent saying they want the full amount of arrears which there is now way we could pay!

scared79 xxx

Link to post
Share on other sites

Thanks OLIVE.FAMILY, we have already gone through our income and expenditure on our own but I think a proper budget sheet would help lots! The thing that's scared me most is the letter they and their solicitors have sent saying they want the full amount of arrears which there is now way we could pay!

scared79 xxx

Link to post
Share on other sites

Thanks OLIVE.FAMILY, we have already gone through our income and expenditure on our own but I think a proper budget sheet would help lots! The thing that's scared me most is the letter they and their solicitors have sent saying they want the full amount of arrears which there is now way we could pay!

scared79 xxx

 

 

Dont panic. There is not many people who can. This is just scare tactics. They are trying to scare you into paying. Look at this way. They need you to pay at the mo because they are struggling as well because alot of people are finding it hard to pay at the mo. So if they can scare you into begging borrowing or doing anything you can to pay them then that is what they will do.

 

olives xx

Link to post
Share on other sites

Thanks OLIVE.FAMILY, we have already gone through our income and expenditure on our own but I think a proper budget sheet would help lots! The thing that's scared me most is the letter they and their solicitors have sent saying they want the full amount of arrears which there is now way we could pay!

scared79 xxx

 

 

Dont panic. There is not many people who can. This is just scare tactics. They are trying to scare you into paying. Look at this way. They need you to pay at the mo because they are struggling as well because alot of people are finding it hard to pay at the mo. So if they can scare you into begging borrowing or doing anything you can to pay them then that is what they will do.

 

olives xx

Link to post
Share on other sites

Ok ask them to send you a mortgage staement from inception untill end of month and pay as soon as you can on the 6th October in the meantime do an income and expenditure sheet.

All amnin charges are NOT arreas they have to be piut on the end of the term find out just how much you owe then you can pay that over the term of the mortgage

Please dont worry Im sure we can work things out for you

Link to post
Share on other sites

Ok ask them to send you a mortgage staement from inception untill end of month and pay as soon as you can on the 6th October in the meantime do an income and expenditure sheet.

All amnin charges are NOT arreas they have to be piut on the end of the term find out just how much you owe then you can pay that over the term of the mortgage

Please dont worry Im sure we can work things out for you

Link to post
Share on other sites

Thanks Olives, I'll do that, I just don't know how to word it to make them take me seriously :confused:

 

They dont want to take you seriously so now change tactics and work towards a court heaaring if there is one put everything in write in do a budget sheet and see what yopu can offer also get that statement

Link to post
Share on other sites

Thanks Olives, I'll do that, I just don't know how to word it to make them take me seriously :confused:

 

They dont want to take you seriously so now change tactics and work towards a court heaaring if there is one put everything in write in do a budget sheet and see what yopu can offer also get that statement

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...