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tudorwin

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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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how is this going?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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
spelling

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi this is such a big site covering so many different topics. Where do i post a new thread asking for advice about reclaiming charges & early repayment charges, procuration fee's etc from SPML/ACENDEN

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Mortgages forum


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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
spacing

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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