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

[littledotty27]

ANW

 

No there is no signature on the letter,but this is Southern Pacific Mortgage Company Ltd trading as London Mortgage Company & not LMC Ltd. The reg no I have is (3266119) whereas LMC Ltd reg no is (5673094).

LMC is my administrator on behalf of SPML.

 

Work that one out if you can...a trading name & a ltd company!quote LD.

 

Littldotty

You have quite simply suffered for too long,we must endeavour to sort this out once and for all step by step and piece by piece.So lets start with fundamentals.Re:the above.

It would appear to be some sort of fraudulent misrepresentation.

Your mortgage contract was quite simply with matlock bank, who then gave you notice I presume of legal assignment to LMC ltd

For the loan to have been legally assigned to spml you should have been served with the statutory s136 notification otherwise any assignment to spml is only equitable and basically they cannot repossess you.That is law and written in stone.

The reg no 3266119 is that of spml.

Did you receive this notification in both cases,if not this is challengeable in court or/and the land registry

LMC ltd or Matlock are the rightful owners of the legal charge on your property if the s136 notifications were never served,you can challenge this through the land registry and its adjudicator if this is indeed the case,this is a free service which I could assist you with.It commences with a simple letter of formal objection to the Land Registry against the registered chargeholder whom I presume is spml and may insulate you from further litigation until the true facts are established.They then must refer the dispute to their adjudicator.

 

LMC is my administrator on behalf of SPML.

I presume your loan is FSA regulated if LMC which is not registered as a company or registered with the FSA it cannot administer your loan.LMC ltd is also not authorised by the FSA so the same applies.

Fortunately I have a day off tomorrow.

 

No notice was given,I will have to look back through my docs from when I sent a SAR & see if it was included in there,although not everything was sent & lots of paperwork was missing.

 

I have been to the LR twice & both times I have been told their is nothing that can be done without an order from a DJ or if a solicitor takes it to court.

 

Yes Matlock t/a london mortgage company was who we took mortgage out with & now it is SPML t/a LMC.

1st time in court I queried defendent & solicitor told me it had been assigned on 2nd may 2006,which ties in with spml 06 a/c.

Mentioned a couple of times when in court about the LR & spml being on the charge 4 months prior to them assigning.

There is nothing in my t&c's re administration,only thing it mentions is "we may sell your mortgage on".

 

What would the statutory s136 notice look like? would it come in the form of a normal letter on letterheaded paper?

[actionnotwords]

I am intensely irritated my post of yesterday between posts 6244 and 6245 from littledotty has been removed for no apparent reason.This post was a call to action with a link to the new dedicated site.There was no reason whatsoever for removal of this post and its removal is downright conspiratorial.Would someone please pm me with this post and I will take it up with the site administrators and founders if necessary.It concerned a reference and link to the site below and the direct assistance it was offering as it has been started by members of this site.

 

 

LITTLEDOTTY AM LOOKING AT YOUR PROBLEM

Edited April 29, 2010 by caro
Unauthorised link removed

[actionnotwords]

Until the site team are able to offer a valid public reason as to why my post was removed I will keep posting similar.We are all fighting the same cause here,not each other and what is supposedly a democratic forum specifically created by its founders as a CONSUMER ACTION GROUP has become apparently an action group with the permission of your adversaries?

The integrity of this site is put to the question, I question any member of the site team to answer the simple question publicly on this thread for the benefit of all past and future participants as to why a simple post on a thread which had gone dead urging people to fight on for their homes , their lifestyles and their futures and providing a link to the very people who are still continuing this fight on their behalf and who are members of this forum has been removed.If this is the site teams intention perhaps every link to moneysavingexpert,disneyland etc on this site should be removed.CAG should offer total support to all of these sites not try and stifle them.

 

Here is the link yet again.

If you want to make a complaint to the FOS or find comprehensive support and indexed facts and template letters on how to legally challenge and win against these lenders and how to finally bring them to justice.

THIS IS A DEDICATED SITE FORMED BY YOUR FELLOW MEMBERS.IT OFFERS AN EASILY ACCESSIBLE INDEX OF RESOURCES AND PROVEN KNOWLEDGE WHICH THE TECHNICAL CONSTRAINTS OF THIS SITE SIMPLY CANNOT.IT IS ALSO NOT SUBJECT TO ANY OUTSIDE INTERFERENCE OR THREAT AND IS TOTALLY FREE AND WITHOUT OBLIGATION.

 

 

ITS YOUR HOME,YOUR LIFE,YOUR FUTURE.

Edited April 29, 2010 by caro
Unauthorised link removed

[sohoscribbler]

Until the site team are able to offer a valid public reason as to why my post was removed I will keep posting similar.We are all fighting the same cause here,not each other and what is supposedly a democratic forum specifically created by its founders as a CONSUMER ACTION GROUP has become apparently an action group with the permission of your adversaries?

The integrity of this site is put to the question, I question any member of the site team to answer the simple question publicly on this thread for the benefit of all past and future participants as to why a simple post on a thread which had gone dead urging people to fight on for their homes , their lifestyles and their futures and providing a link to the very people who are still continuing this fight on their behalf and who are members of this forum has been removed.If this is the site teams intention perhaps every link to moneysavingexpert,disneyland etc on this site should be removed.CAG should offer total support to all of these sites not try and stifle them.

 

Here is the link yet again.

If you want to make a complaint to the FOS or find comprehensive support and indexed facts and template letters on how to legally challenge and win against these lenders and how to finally bring them to justice.

THIS IS A DEDICATED SITE FORMED BY YOUR FELLOW MEMBERS.IT OFFERS AN EASILY ACCESSIBLE INDEX OF RESOURCES AND PROVEN KNOWLEDGE WHICH THE TECHNICAL CONSTRAINTS OF THIS SITE SIMPLY CANNOT.IT IS ALSO NOT SUBJECT TO ANY OUTSIDE INTERFERENCE OR THREAT AND IS TOTALLY FREE AND WITHOUT OBLIGATION.

 

edited

 

ITS YOUR HOME,YOUR LIFE,YOUR FUTURE.

 

Seconded.

Edited April 29, 2010 by cerberusalert

[actionnotwords]

Littledotty the letter of assignment could take a simple form such as a letter from matlock bank stating they had sold your loan and all rights to LMC ltd.

Please contact the land registry and ask them if they have ever received a copy of a statutory s136 notification assigning the legal charge on your property to any other entity and ask the solicitors in your current litigation to produce the same.I will draft a template letter for you if you like.

Please inform me of all the entries on your land registry document in relation to the charges from the beginning.

[caro]

Until the site team are able to offer a valid public reason as to why my post was removed I will keep posting similar.We are all fighting the same cause here,not each other and what is supposedly a democratic forum specifically created by its founders as a CONSUMER ACTION GROUP has become apparently an action group with the permission of your adversaries?

The integrity of this site is put to the question, I question any member of the site team to answer the simple question publicly on this thread for the benefit of all past and future participants as to why a simple post on a thread which had gone dead urging people to fight on for their homes , their lifestyles and their futures and providing a link to the very people who are still continuing this fight on their behalf and who are members of this forum has been removed.If this is the site teams intention perhaps every link to moneysavingexpert,disneyland etc on this site should be removed.CAG should offer total support to all of these sites not try and stifle them.

 

Here is the link yet again.

If you want to make a complaint to the FOS or find comprehensive support and indexed facts and template letters on how to legally challenge and win against these lenders and how to finally bring them to justice.

THIS IS A DEDICATED SITE FORMED BY YOUR FELLOW MEMBERS.IT OFFERS AN EASILY ACCESSIBLE INDEX OF RESOURCES AND PROVEN KNOWLEDGE WHICH THE TECHNICAL CONSTRAINTS OF THIS SITE SIMPLY CANNOT.IT IS ALSO NOT SUBJECT TO ANY OUTSIDE INTERFERENCE OR THREAT AND IS TOTALLY FREE AND WITHOUT OBLIGATION.

 

 

ITS YOUR HOME,YOUR LIFE,YOUR FUTURE.

 

Nothing sinister. The following site rules explain the action.

 

1.10 Copyright Information: All information contained in this website, associated websites, and forum posts are copyright Reclaim The Right Ltd. If you wish to use the information on this site for publication elsewhere, then please email the administrators for permission.

 

 

1.13 Please note that these rules and guidance also relate to the use of the website’s Personal Message (PM) facility, and the user's profile, signature and avatar.

 

 

 

2.2 If a thread/post is moved, edited, locked or deleted... it will not be a personal attack on you. It will only be as a result of the guidelines below and will always put the site first. If you attempt to re-post information that has been unapproved then you will be in breach of the rules yourself and subject to further action as deemed appropriate, and as outlined in section 7.

 

 

3.9 The Group reserves the right to delete or edit any thread/post for legal or any other reasons.

 

8 RULES RELATING TO COMMERCIAL AND NON-COMMERCIAL LINKS AND POSTINGS

 

8.3 Links to non-commercial and free advice sites are permitted, provided they are not posted by the owners of the site concerned, and that there is no direct financial gain involved with the recommendation.

 

8.4 Site owners may be allowed to publicise their site, however before any post is made, they should first seek permission from the website administration (admin@consumeractiongroup.co.uk) giving full details, and a link to the site concerned. Any posts made pending a decision will be moderated.

 

8.5 Any posts outside the scope of these rules may be edited or deleted without warning. The Group also reserves the right to remove any link posted on this website at the sole discretion of the Group. For the avoidance of doubt, this policy also includes links posted within a user profile or signature.

 

8.6 Please note that if a user does post any advertisements in breach of the above they are likely to face restriction of their account.

 

8.7 Continued disregard for these rules will result in the user being banned.

 

Hope that helps get things sorted.

[MARTIN3030]

I endorse Caro's reply.

In fact it was myself who took the decision to moderate the earlier posts.

After doing so I attempted to send a pm explaining the reasons,but due to connectivity it appears the pm did not go-In apologise for that.

I do not apologise however,for moderating links that are not with CAG approval,and although the intent may be honourable,you will appreciate that if we allowed external blogs and links to be posted willy nilly,then where would we be ?

You will say the cause is just and deserving-but so is the causes of our debt collection forums,Bailiff forums,parking forums and all the others.

I dont have to explain this-its common knowledge.

 

The top and bottom is that no permission was sought and the way in which it was done clearly was not done by the book.

 

The thread here has been going for almost 18 months and its a good assumption that a google search or even a yahoo one would bring people looking-here in any event.

 

If people want to do their own blogs-then thats up to them.

CAG has no problems with what others are doing-but our image and responsibilities have to take front seat.

 

That has to be respected by all,and users of the site need to be aware of our expectations.

 

 

I make no apologies for the long explanation-most are aware of this already-but one or two just need a gentle reminder.

 

Thanks for your understanding.

[JonCris]

Oh dear as this was NOT a commercial link are you not at risk of being accused of censorship

[frettful38]

Blimey I just received a default notice from my lender today and was hoping sparkie was around for some advice. Don't know where to post it up so can get some help.

[bleakhouse]

My own issues with SPMl have been resolved - to a fairly satisfactory financial conclusion (SPML have suffered some financial loss) - my horror at the damages the fall out of the collapse of Lehman"s has caused to so many remains undaunted. These people must face the music ... I have raised issues with contacts in the media and the political world I urge everyone to take positive action, the courts seem to be on our side, but the political world needs to be taken by storm. Surely this week is the time?

[actionnotwords]

Bleakhouse

Despite your pseudonym if you have resolved your problems with spml you are indeed fortunate,good luck to you.

The very actions you have mentioned are currently being taken by the"waiting for link approval" new site dedicated to such issues.

Perhaps you would like to see it ,I cannot post the link until it is approved but I don't believe I have yet been prohibited from giving the name which can be googled..

 

Capstone Mortgage Services Administrator in Chief For Repossessions

 

The site they tried to keep quiet because it actually works for the consumer.

Capstone Mortgage Services and Prefered Mortgages - Page 4 - MoneySavingExpert.com Forums

 

http://www.shaunparker.info/capstone...-beware/655283

[caro]

Off topic posts have been moved to the Bear Garden.

 

Any further off topic posts on this thread risk being removed completely and possibly moderation for those who choose not to comply with this polite request which has been made to ensure that those fighting Capstone don't get distracted from fighting the REAL foe.

[kegi]

been off for a long time [ill health] read through the past months pages and seems I have not missed a lot in terms of the thread name.

so to bring it on topic a family member have had a loan since 200x with LMC aka LPL aka SPPL aka SPML aka ? and in all that time the only thing they have had from this lot is a yearly statement on LMC headed paper on the bottom of which states LMC is a trading name of SPML other than that nothing whatsoever .

until last month and to answer little dottys last post the letter of intention to pass over to Capstone this time on LPL paper and at the bottom of this states LPL is a trading name of SPPL And SPPL is a appointed rep of SPML .As dotty says it makes you wonder ,they pay by DD made out to LMC their bank statements state LMC so must have an account.

 

To my main point they have a chance of paying off this loan and my way of thinking in the current climate is of asking for a FULL AND FINAL settlement of x amount ,question is who would they be asking considering as we understand it not one of the above own it nor does even the SPV

SO SHOULD WE WRITE TO THE INVESTORS AND ASK THEM IF THEY WANT THE MONEY:D Only joking on that bit but it does make you wonder to who and to where would the money be going

 

kegi on me own feeling lonely not wanted again

Edited May 2, 2010 by kegi

[on*the*case]

.....To my main point they have a chance of paying off this loan and my way of thinking in the current climate is of asking for a FULL AND FINAL settlement .......

 

Write to Capstone for the Redemption figure, and then offer 75p in the £ as a Full & Final. They may take it ....;-)

[actionnotwords]

Welcome back kegi.

It has become apparent that capstone are desperate for funds to pay their various masters as they are the channel through which all passes I would suggest you write to them and ask them what discount they are prepared to offer.

There is news on the site who's link is currently forbidden that large discounts are currently being offered to good payers to settle their accounts.

I CANNOT POST THE LINK BUT IF YOU GOOGLE THE SITE BELOW YOU SHOULD GET THERE.

Capstone Mortgage Services Administrator in Chief For Repossessions

 

The site they tried to keep quiet because it actually works for the consumer.

Capstone Mortgage Services and Prefered Mortgages - Page 4 - MoneySavingExpert.com Forums

 

http://www.shaunparker.info/capstone...-beware/655283

 

 

Re: Off Topic Posts from Capstone Thread

RECOMMENDED READING

 

[kegi]

onthecase anw

thanks for the replies but as per little dottys last post the transfer to capstone has been cancelled it seems ? so they are still with LMC aka

LPL paying wise so I will ask them see what comes up

kegi

[actionnotwords]

Kegi

Despite all the subterfuge and misinformation being spewed out currently.

I can assure you if you send an offer of cash to capstone it will go straight to the right place.Good luck.

Capstone Mortgage Services Administrator in Chief For Repossessions

 

The site they tried to keep quiet because it actually works for the consumer.

 

 

Capstone Mortgage Services and Prefered Mortgages - Page 4 - MoneySavingExpert.com Forums

 

http://www.shaunparker.info/capstone...-beware/655283

 

Off topic posts have been moved to the Bear Garden. QUOTE CARO

 

I THINK YOU MEAN HERE

 

Off Topic Posts from Capstone Thread

RECOMMENDED READING unfotunately it deteriorates into idiocy thanks to the lunatic fringe,nice one site team.

 

SITE TEAM.

Would you please supply here the direct email address of bankfodder your principal not the admin one.It's admin with whom we are in dispute.

 

Edited May 2, 2010 by actionnotwords

[JonCris]

Caro please clear your PM box thanks

[caro]

Off topic posts have been moved to the Bear Garden.

 

Any further off topic posts on this thread risk being removed completely and possibly moderation for those who choose not to comply with this polite request which has been made to ensure that those fighting Capstone don't get distracted from fighting the REAL foe.

 

This is notification that off topic posts on this thread will now be unapproved with no further notification to individual posters.

[actionnotwords]

site team am I prohibited from recommending shaun parkers approved blog site.I have just read the latest comments which are specifically about capstone and relate to this thread,they are not off topic.

[caro]

If it relates to this thread then it should be posted on this thread observing copyright law, and the rules of both sites.

 

This is quoted from Shaun Parker.

 

Copyright Shaun Parker - SEO Consultant. All Rights Reserved

 

If in doubt I suggest that you err on the side of caution and email admin of both sites for approval. If you have any further queries about posting then please read the site rules, or if further clarification then please email admin.

[enoughisenough]

If Martin3030 REALLY thinks that fighting these sub prime dogs is the equivalent of fighting a parking ticket I suggest he reaches for the drawer and gets a good hold of the pearl handled revolver. At least he'd be dignified in doing so.

 

Moderators should have at least some clue as to what is actually going on.

 

http://capstonemortgageservices.wordpress.com/category/capstone-mortgage-services-administrator-in-chief-for-repossessions/

 

I suggest he mugs up on the various TSC reports by Shelter Which and the TSC themselves. I must have missed their inquiry into parking attendants.

 

What an outrageous nonsense.

Edited May 3, 2010 by enoughisenough

[sawyer]

Hi, how are things going any of you out there with a FOS complaint with Capstone, SPPL, SPML etc. Please feel free to PM as if you give too much detail you will be identified by the Capstone spies.

[littledotty27]

I am absolutley mortified in whats been going on here! I thought this site was to help others in simular situations? The capstone wordpress is easy to navigate around instead of trawling back & forth between posts.

 

Why can't we work together on this as a partnership? At the end of the day it's helping peoplefrom losing their homes.

[enoughisenough]

I've had PMs from people feeling that the only way out of this is to KILL THEMSELVES.

 

This site relies on US to do the work for them whilst THE PAID moderators line their pockets.

 

I'm fed up to the hind teeth of the MODS undoing all of that work because the very enemy the troops are fighting on a daily basis have a hot line to the CAG command.

 

In the light of people posting desperate messages feeling that they must commit suicide to get out of their desperate situation does MARTIN 3030 STAND by his comments that this thread is the equivalent of threads elsewhere fighting parking tickets?

 

If he does not then he should issue a public apology. Or resign.