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    • Hi All,   Hoping for a little help and advice please.   This company Link Financial are chasing me for a debt that I had as a credit card with Royal Bank of Scotland. Out of the blue and having no correspondence from RBS a few year back this company claimed I now owed them the sum of money. I have written in response stating I do not acknowledge any debt to Link financial and asked them to supply evidence of liability. I also requested a true copy of the alleged agreement, a full statement of account, a signed true copy of assignment and any other documents referred to in the agreement. I also enclosed  a £1 payment for the credit agreement request and clearly stated that this £1 payment under no circumstances should be set aside for any alleged debt and if the documentation can't be supplied the fee should be returned.   Link's response was just a small statement of account with credit agreement number, account number (same as the RBS number), date of agreement and transaction sheet where they had taken the £1 fee off the debt value after I asked them not to. There was no true copy of assignment, true copy of alleged agreement or evidence of liability.   For reference, In 2009 my debts started to mount after my wife I had lost a child and we weren't at work for months, so ended up paying the mortgage on a credit card. Eventually it got too much and the RBS took me to county court in 2011 where I received a CCJ and then RBS was granted a charging order on my property which is in my name only. I was ordered to pay a monthly fee.    I received my first letter from Link in 2016 just stating, we have not written to you in some time as we have had to locate your address. We would like to discuss your intentions regarding the outstanding balance on  your account. I had no correspondence from RBS about this so I thought this was a scam company.  Unbeknown to me I also realised the monthly payment to the RBS had stopped being taken directly from my account.   After a few letters backwards and forwards about me disputing Link and this debt today 26th February 2021 I have now received another letter from Link stating. As you are aware a charging order on the beneficial interest you have in the property at.........has been secured. They are now seeking payment and will accept monthly payments on the account in accordance with my current financial situation. If I chose not to settle in full or fail to complete and return the form below or contact them within 7 days they will take further legal recovery action. There is a little boxed section at the bottom monthly or weekly payments for me to fill in and send off.   I'm really at my wits end now of what to do next. I have two years left on my mortgage and finding it really hard to get through that two year financially, especially since this pandemic has really hit home money wise. The last thing I need is the family home to be taken away especially with a 10 year old in the home.    I really appreciate any help and guidance. Thank you.    
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    • i thought that was the point of mediation, to show them that you think they havent got a case to go to court with? I realise you know far more about this type of thing than i do though, but i thought that not fulfilling the CCA properly - ie by not supplying t&c - was an automatic fail at court for them.   I dont know what to do now -   @Andyorchcan i have your thoughts too please   the hassle just makes you feel like giving in to them
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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      • 33 replies

Reclaiming PPI & 'fees' on old Capstone SPML mortgage


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Back in 2005/6 Ocean Finance arranged a large mortgage of about £400k for me.

 

In late 2007 I was lucky to sell my house & payback Capstone/SPML. Just before they repossed it.

I still have all the paperwork.

 

Am I right in thinking I can reclaim all the charges payed to Capstone SPML.

which amounted to a lot including court costs etc , & about £25k early repayment fees,

also are they known to have included PPI in with my monthly payments, & if so can i also reclaim that.

 

Any help & advice you can give me would be gratefully received. Thanks

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you can certainly reclaim the PPI

 

cant see why not on the fees too

 

have you got all the statements?

 

if not time for an sar

 

several links below to re

 

call if you need help.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you DX100UK

Yes I do have all the Statements, Where do I start to reclaim my fees/charges & how do I calculate how much to claim.

Thanks Tudorwin

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there is info below

 

might be an idea t type in

 

reclaiming mortgage ppi

 

in our search top right

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

how is this going?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 5 months later...

Hi I am new here ,

 

Back in 2005/6 Ocean Finance arranged a large mortgage of about 400,000 pounds for me.

 

In late 2007 I was lucky to sell my house & payback Capstone/SPML. Just before they repossed it.

 

I still have all the paperwork.

 

Am I right in thinking I can reclaim all the charges payed to Capstone SPML.

which amounted to a lot including court costs etc.

 

Also are Capstone/SPML known to have included PPI in with my monthly payments, & if so, can i also reclaim that.

 

I also paid about 25,000 pounds early repayment fees,

 

can I reclaim that back baring in mind they broke our contract 1st by taking me to court.

 

Any help & advice you can give me would be gratefully received.

Thanks.

 

PS If I have posted this in the wrong place,

would you be kind & let me know where it should be.

 

Thanks again.

Edited by tudorwin
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moved to the mortgage forum

 

yes you can

but DONT get fleeced and lose +30% + 20v%at + fees to a fleecing CMC

 

do it yourself!

its easy

 

there are numerous threads regarding the same issue sthat you have

 

if you use our search in the grey toolbar up the top

on the right

 

and type in

Capstone SPML

 

you'll see some to read

 

if you need specific help

 

ask your further questions on this thread

 

good luck

 

dx

siteteam

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 8 months later...

Hi I know i have not been on this site for a while, I have been abroad.

 

I have read some where i can reclaim all my unfair charges back from SPML.

 

Have I left it to late baring in mind the dates I have enclosed below.

& most inportantly is it possible to claim back the £24,439.75 early repayment charge.

 

MY UNFAIR MORTGAGE CHARGES

DATE AMOUNT WHAT

2/6/06 £25 unpaid d/d

4/7/06 £25 unpaid d/d

31/7/06 £50 arrears management fee

31/8/06 £50 arrears management fee

14/11/06 £25 unpaid cheque fee

30/11/06 £50 arrears management fee

8/1/07 £50 arrears management fee

31/1/07 £50 arrears management fee

19/2/07 £15 early repayment statement fee

28/2/07 £50 arrears management fee

13/3/07 £100 litigation fee

30/3/07 £50 arrears management fee

25/6/07 £725 legal costs

31/7/07 £50 arrears management fee

31/8/07 £50 arrears management fee

23/9/07 £190 early repayment & deeds release charge

23/9/07 £24,439.75 early repayment charge

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I doubt you can get:

the ERC [ but type in ERC reclaiming in our search grey toolbar top right some you CAN]

litigations costs

legal costs

deed release

 

with the rest that is left , hardly worth it?

 

you need to go read up about crapstone

there are many lengthy threads on here

that might help

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
  • 4 years later...

Mortgages forum

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Back in 2005/6 Ocean Finance arranged a large*mortgage*of 399,000 pounds for me.*

In late 2007 I was lucky to sell my house & payback Capstone/SPML. Just before they repossess it.*

I still have all the paperwork.

Am I right in thinking I can reclaim all the charges payed to Capstone SPML.*

which amounted to a lot including court costs etc.

Also are Capstone/SPML known to have included*PPI*in with my monthly payments, & if so, can i also reclaim that.

I also paid about 24,439.75p pounds early repayment fees,*

can I reclaim that back baring in mind they broke our contract 1st by taking me to court.

Any help & advice you can give me would be gratefully received.*

Thanks.

 

I have read some where i can reclaim all my unfair charges back from SPML.*

Have I left it to late baring in mind the dates I have enclosed below.*

& most inportantly is it possible to claim back the £24,439.75 early repayment charge.

 

I did send all my paperwork to a reclaim company called Mortgage claims. They have now sent everything back to me saying my mortgage was mis sold. But because the figure is less than 18,000 they would not be interested in pursuing the claim under a no win no fee basis I do have all the paperwork including all there correspondence with Acenden. Where do i start to claim & what do i claim for.

 

Below are some of the fees i have paid to SPML/ACENDEN

 

Arrangement fee £499

Broker fee £4,000

Procuration fee £9,975

Early repayment charge £24,439.75

2/6/06 £25 unpaid d/d

4/7/06 £25 unpaid d/d

31/7/06 £50 arrears management fee

31/8/06 £50 arrears management fee

14/11/06 £25 unpaid cheque fee

30/11/06 £50 arrears management fee

8/1/07 £50 arrears management fee

31/1/07 £50 arrears management fee

19/2/07 £15 early repayment statement fee

28/2/07 £50 arrears management fee

13/3/07 £100 litigation fee

30/3/07 £50 arrears management fee

25/6/07 £725 legal costs

31/7/07 £50 arrears management fee

31/8/07 £50 arrears management fee

23/9/07 £190 early repayment & deeds release charge

23/9/07 £24,439.75 early repayment charge

 

Thank you all in anticipation of your help.

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Dont use a reclaimc ompany. They said they wont chase it because they want to take at least 30% of it for themselves.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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4 threads merged on the same subject over the years

 

you appears from 2012, if you read from the top of this thread now

to comeback every so often, years apart and ask the same question

but the thread never goes anywhere

the info you need is already contained in posts here read your thread.

 

p'haps this time you'll actually get it done?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you.

dx100uk I did not realize all my messages were kept.

But thing change.

the law changes from time to time.

 

Would not the company Mortgage claims have obtained a sars if so i must have it know as they have returned all their & my original paperwork to me.

 

I am not sure i can do this on my own.

I have the attention span of a goldfish.

 

to my way of thinking if i could at the very least get back the ERC of £24,439 i dont mind paying a company their commission because to me anything is better than nothing.

 

If there was someone on here who could help me step by step starting from page one I would do it my self but as i said my health has deteriorated in recent years & I am afraid i can not concentrate.

Is it possible i could send someone from this site all my paper work & they could tell me what to do next.

Edited by dx100uk
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send it to this thread then everyone can help

 

scan it all to ONE multipage PDF

read upload

 

then we can advise

 

red stuff in post 13 I've done yes

but not sure on the rest

each is by individual circumstances

not sure if ERC can be done now

 

but no harm in trying

did they litigate against you..

 

if you read through all the thread im sure all of these have been already covered more than once.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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