SPML/LMC anyone claimed for mis selling and unfair charges?

[What a Life!]

Don't forget that they often put fees on that are undescribed, or not within their tariff table. Left blank or described as a 'legal fee'. They also can't decide when someone has an arrangement and will err on the side that they haven't, despite any FOS result or court agreement.

 

I have also had agent fee,what's this????????

[Crapstone]

I have also had agent fee,what's this????????

 

It sounds as though it's a debt councelling fee, a field agent looking into your circumstances, and is charged even if you decline the service. You have to ask them to provide full invoices for any legal services they claim they have used, along with names and dates. They are not keen on providing that info. and usually come back with the 'lost' excuse' or poor copies that don't have a breakdown of the costs.

[sawyer]

It sounds as though it's a debt councelling fee, a field agent looking into your circumstances, and is charged even if you decline the service. You have to ask them to provide full invoices for any legal services they claim they have used, along with names and dates. They are not keen on providing that info. and usually come back with the 'lost' excuse' or poor copies that don't have a breakdown of the costs.

 

I understood this to be an estate agents fee. Looking through my SAR Capstone computer notes, it seems like an instruction for somebody via the estate agent to attend with bailiff to change the locks. £29.38 is the fee charged on mine 3 times

[Crapstone]

I understood this to be an estate agents fee. Looking through my SAR Capstone computer notes, it seems like an instruction for somebody via the estate agent to attend with bailiff to change the locks. £29.38 is the fee charged on mine 3 times

 

It could be for anything, but we won't know until the OP is more specific. Even then it's a lottery, as Capstone pull figures out of a hat and don't treat all customers in the same way. If there is a figure you are unsure of you have to make an issue of it.

[iconoclash]

Hi - re the legal fees added to your accounts - can i tell you that i asked for copies of the sols. invoices and got them as was my right - this was not a sar, this was after a court hearing and we had a legal right to see everything particularly as these costs were being laid at our feet! I might also say that despite having these it did not stop my lender adding 'extras' to the account which i have challenged and had removed. I should think you can request info to evidence costs too. Oh, and another subject I guess but, has anyone looked at the Mortgage Indemnity fees - think these can be challenged as a business cannot ask a consumer to indemnify their losses.

[Guest MamaG1]

What alife, this is criminal, as there are so m any loop holes for this legal theives, I am sure there should be for the victims- borrowers as well. we need to find the loop holes to support and protect ourselves from these sharks!!!.

[evad nikral]

;-)

Edited April 3, 2010 by evad nikral
Mispost

[Guest MamaG1]

Very interesting, what was your case with them so far, are they just suddenly offering you a reduction ?? . I wonder why, the Government may be unto them or something. that is very very odd, need to further invesdtigate. there may be a loop hole they dont want you to find and use against them hence this may be thier back up.

[Guest MamaG1]

This article explains it.

 

Loophole puts borrowers at risk | This is Money

 

 

Cheers Caro, have read on this. It obviously doesnt really help me. they seem to be covered which ever way you look at this. This whole industry sucks!!. excuse my language.

 

But it is just so frustrating, that the Government could have allowed such mispractices within the system and then the masses still have to pay????.

[enoughisenough]

THE THREAD HAS PETERED OUT

 

MUCH WORK TO BE DONE HERE

 

THERE IS NO RESPITE WITHOUT EFFORT

 

YOU WERE GIVEN A CLUE MONTHS AGO

 

 

IN THE FIRST INSTANCE GET YOURSELVES A SUIT OF ARMOUR. THAT MEANS LOGGING COMPLAINT WITH THE DISGUSTING CAPSTONE ABOUT ANYTHING AND EVERYTHING THEY HAVE THROWN AT YOU

 

WHEN THEY DO NOT ADDRESS YOUR COMPLAINT ADEQUATELY YOU THEN TROT OFF TO THE FOS AND LODGE YOR COMPLAINT WITH THEM.

 

In the meantime of course, try the following:

 

The Rt. Hon. John McFall MP, head of the Treasury Select Committee investigating the ****.

 

Julian Edwards, newly appointed consumer supremo at the FSA.

 

Richard Dyson at the Mail on Sunday who wrote about these scumbags last year.

 

Chris Choi, ITN Consumer Affairs Correspondent.

 

Your local MP. (Yes I know another set of self serving scumbags who are probably stepping down, in which case every candidate going for the parliamentary seat)

 

Your MEP. A lot of what is going on is in direct contravention to EU mandated law.

 

The Office of Fair Trading who will not look at individual complaints but must ensure that consumer protections are being observed nonetheless.

 

Trading Standards at High Wycombe.

 

The Serious Fraud Office.

 

And finally the point of complaint that got ITBG chucked off this site and helped nail SPPL to the INSOLVENCY MAST...

 

The CIB of Companies House. If my signature shows it is right there...

 

There's a battle here...THEY WANT YOUR KEYS. ARE YOU GOING TO LET THEM HAVE THEM WITHOUT A PROPER FIGHT?

[Crapstone]

Well said EIE. You have to push them and show them what you know. It all takes so long and it's all so easy just to give up.

 

Don't give up..Keep on going. They have caused us enough sleepless nights and financial rot.

[Guest MamaG1]

Many thanks to all. This truly is a streefull time of my life, but I have to fight and not give up. I do really feel like just giving up and letting it all just ride, I dont feel I have the energy at all, I am so stressed, angry, down and confused.

 

I am sure will get correspondence from them today. I am dreading it, I will let u all know if so. and will not give up or in to them blood suckers. how unfair life can be??.

Edited April 6, 2010 by MamaG1
additions

[Suetonius]

Could Lehmans be about to return ?????

 

Lehman UK unit says asset manager plan is too soon - Yahoo! Finance

[Guest MamaG1]

oh my, they have responded.

 

Thier mail says.

Dear: name

 

Client: SPML

Client ref ...

Balance Outstanding: £10..,000

 

Thank you for your recent contact, Please find enclosed the requested documents.

 

Please contactus ASAP on 08..... ( tel no.) to make payments

Failure to respond to this letter may result in further action.

 

I do not even know if this people are a legal company, they could be anybody. They have not sent the contract I requested for. they just sent along their top letter a statment of the so called mortgage account on just plain paper without a letter head of SPML, capstone or them. with statement date saying the ../3/10.

 

SO CALLED STATEMENT:

 

Mortgage account no, completion date original advance etc. I will have to scann this on the system. it just says all sort of charges, I then see insurance on the line items??. All came to a total of £228,000.....

 

At the end the attached a so called statement of Account. WITH NO LETTER HEAD, DONT KNOW WHO PRODUCED THIS . BUT IT SAYS :

DATE: jANUARY 2009.

PROPERTY ADDRESS... ....

 

To capstone Mortgage servs ltd.

and the name of the affor owner, account no.

 

sale price £130,000.

 

less the following

Allowance in respect of arrears of Service charge -375.65

apportionment of Service charge £38.69

allowance in respect of possible service charge deficit £100.00

 

Monies received on completion £129,485.66

 

Less

Amount paid to Asset managers in settlement of thier invoice ( copy invoice herewith) - £4,525.25 (no copy included to me) so dont know aht this is

 

Our legal cost in connection with the sale ( copy invoice herewith) - None included.

 

Total deductions £5178.00

 

AMOUNT PAID TO REDEM MORTGAGE TO SOUTHERN PACIFIC MORTGAGE LTD.: £124,307.66, at which point the balance on the so statement shows £228,...... leaving a balance of u knw what £103,000....will scann this on as well.

 

Do they have the right. What should I do now. who do I write to. I am preparing to send form M1.

 

This people are Armed robbers, legally, thisis outrageous and the governemtn should stop them.

 

I am sure they are a racket who pray on vulnerable borrowers like me and millions of others, I pray the arm of the law will catch up wiyh them sonner than they think!!!!.

 

CAGGERS PLS.ADVISE WHAT IS THE BEST NEXT STEP TO TAKE PLS.

 

Help pls.

Edited April 6, 2010 by MamaG1
AMEND

[Guest MamaG1]

oh my, they have responded.

 

Thier mail says.

Dear: Name...

 

Client: SPML

Client ref ...

Balance Outstanding: £10..,000

 

Thank you for your recent contact, Please find enclosed the requested documents.

 

Please contactus ASAP on 08..... ( tel no.) to make payments

Failure to respond to this letter may result in further action.

 

I do not even know if this people are a legal company, they could be anybody. They have not sent the contract I requested for. they just sent along their top letter a statment of the so called mortgage account on just plain paper without a letter head of SPML, capstone or them. with statement date saying the ../3/10.

 

SO CLLED STATEMENT:

 

Mortgage account no, completion date original advance etc. I will have to scann this on the system. it just says all sort of charges, I then see insurance on the line items??. All came to a total of £228,000.....

 

At the end the attached a so called statement of Account. WITH NO LETTER HEAD, DONT KNOW WHO PRODUCED THIS . BUT IT SAYS :

DATE: jANUARY 2009.

PROPERTY ADDRESS... ....

 

To capstone Mortgage servs ltd.

and the name of the affor owner, account no.

 

sale price £130,000.

 

less the following

Allowance in respect of arrears of Service charge -375.65

apportionment of Service charge £38.69

allowance in respect of possible service charge deficit £100.00

 

Monies received on completion £129,485.66

 

Less

Amount paid to Asset managers in settlement of thier invoice ( copy invoice herewith) - £4,525.25 (no copy included to me) so dont know aht this is

 

Our legal cost in connection with the sale ( copy invoice herewith) - None included.

 

Total deductions £5178.00

 

AMOUNT PAID TO REDEM MORTGAGE TO SOUTHERN PACIFIC MORTGAGE LTD.: £124,307.66, at which point the balance on the so statement shows £228,...... leaving a balance of u knw what £103,000....will scann this on as well.

 

Do they have the right. What should I do now. who do I write to. I am preparing to send form M1.

 

This people are Armed robbers, legally, thisis outrageous and the governemtn should stop them.

 

I am sure they are a racket who pray on vulnerable borrowers like me and millions of others, I pray the arm of the law will catch up wiyh them sonner than they think!!!!.

 

Pls advise which is the best next way forward. Form M1 or another possible template letter to send them??,or a subject access request and to whom DCA, Crapstone, or SPML??

 

Help pls.

[Crapstone]

oh my, they have responded.

 

Thier mail says.

Dear: Name...

 

Client: SPML

Client ref ...

Balance Outstanding: £10..,000

 

Thank you for your recent contact, Please find enclosed the requested documents.

 

Please contactus ASAP on 08..... ( tel no.) to make payments

Failure to respond to this letter may result in further action.

 

I do not even know if this people are a legal company, they could be anybody. They have not sent the contract I requested for. they just sent along their top letter a statment of the so called mortgage account on just plain paper without a letter head of SPML, capstone or them. with statement date saying the ../3/10.

 

SO CLLED STATEMENT:

 

Mortgage account no, completion date original advance etc. I will have to scann this on the system. it just says all sort of charges, I then see insurance on the line items??. All came to a total of £228,000.....

 

At the end the attached a so called statement of Account. WITH NO LETTER HEAD, DONT KNOW WHO PRODUCED THIS . BUT IT SAYS :

DATE: jANUARY 2009.

PROPERTY ADDRESS... ....

 

To capstone Mortgage servs ltd.

and the name of the affor owner, account no.

 

sale price £130,000.

 

less the following

Allowance in respect of arrears of Service charge -375.65

apportionment of Service charge £38.69

allowance in respect of possible service charge deficit £100.00

 

Monies received on completion £129,485.66

 

Less

Amount paid to Asset managers in settlement of thier invoice ( copy invoice herewith) - £4,525.25 (no copy included to me) so dont know aht this is

 

Our legal cost in connection with the sale ( copy invoice herewith) - None included.

 

Total deductions £5178.00

 

AMOUNT PAID TO REDEM MORTGAGE TO SOUTHERN PACIFIC MORTGAGE LTD.: £124,307.66, at which point the balance on the so statement shows £228,...... leaving a balance of u knw what £103,000....will scann this on as well.

 

Do they have the right. What should I do now. who do I write to. I am preparing to send form M1.

 

This people are Armed robbers, legally, thisis outrageous and the governemtn should stop them.

 

I am sure they are a racket who pray on vulnerable borrowers like me and millions of others, I pray the arm of the law will catch up wiyh them sonner than they think!!!!.

 

Pls advise which is the best next way forward. Form M1 or another possible template letter to send them??,or a subject access request and to whom DCA, Crapstone, or SPML??

 

Help pls.

 

After quickly looking back through your posts it seems that a DC is looking towards your new or other property to secure this 'old' debt with SPML. Is the property you have now in your sole name or is it jointly owned?

[Crapstone]

Mama G1.. Keep the script flowing. Write back and ask for the invoices, SAR, and true statements. Point out all the faults in their 'claim'. It's not easy, and it is stressful but you have to do it. You are in the best position to do this, as you know the full extent of what has gone on.

[Crapstone]

Send a SAR to all 3. £30 well spent to cross reference what they have to say. Your postman won't thank you but you are sure to come across some serious mistakes in the conduct of your mortgage account.

 

I had 2 for a joint account for SPML, both edited differently, so I was able to piece together what it said. They had lied and said they hadn't received payments but it was in b&w that they had.

 

Go get them.

[enoughisenough]

Mama G1

 

YOU HAVE TO TAKE THE BATTLE TO THEM. They are the **** of the earth and will walk all over you if you let them.

 

Listen to Crapstone as this advice is dead right...

[mrsiphone]

I see SPPL has filed accounts and that it's status is no longer pending to be struck off rather now as active.

 

Wonder who signed them

 

http://wck2.companieshouse.gov.uk/c1402af83acc8240c93828fe9c926c46/compdetails

Edited April 7, 2010 by mrsiphone

[jetli]

I see SPPL has filed accounts and that it's status is no longer pending to be struck off rather now as active.

 

Wonder who signed them

 

WebCHeck - Select and Access Company Information

 

Oh GREAT just what I needed! Spoke to capstone and they said we can deal with them coz Land Registry have authority????? any answers??

[jetli]

Ok Guys an Girls how did they do this? - checked CH and this is correct. Thought we had this but they have compleated? How and Who has done this??

[littledotty27]

Im sure once the accounts are available to view on CH,you will be able to download & view who has authorised them,but there is the case of still no directors....mickey mouse has more than likely signed them.

[jetli]

That could be too late!!

[jetli]

Noticed this thread is going COLD come on you lot lets get together. If I can being bild over by this lot and moving into rented and still figh then cant we all?? Cant get on here all the time as still packing boxes. The only thing holding us up is Crapstone coz they want a signature and still not sent SARS last date due 14th April. Gave them all the 40 working days they need.