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

[caro]

Threads cannot be closed to guests, and nor should they be. CAG is an open forum, but as has been pointed out, we do have rules, and we do have a duty to comply with the law.

 

If dotty wants the thread closed, then I don't see that being a problem. If it is likely to continue to be a useful discussion thread that seems a shame.

 

I very much advocate everyone having a right to an opinion and should be free to express it, but I would like to request that you consider the interests of CAG and the people who use it for help.

 

Mrsiphone may well have a point.

Edited February 24, 2010 by caro
adding a bit

[caro]

Guests can also be people who may be looking for information to help them save their homes. If we hide threads like this people who need help won't know that there is help there, and people in the same situations as themselves.

 

Sure they can register, but if they can't see that there is help here then why would they bother.

 

No-one has to post information if they don't want to.

[caro]

How do you know who guests are?

 

I certainly wouldn't advocate the use of PMs and emails as there is no way for it to be checked, or for people generally to add or take from it. It defeats the point of the forum.

 

Part of the benefit of posting information is that people can discuss the pros and cons of an argument, or even play devil's advocate, thus allowing them to be better prepared when they get to court for whatever argument is thrown at them there.

 

This issue has been discussed on this site many times before, for example with the Cabot Fan Club, and more recently in the bailiffs forum.

 

I understand where you are coming from, but frankly this is off topic to the original thread and it's past my bedtime.

[caro]

Hi all,

an update re capstone they rang today and said that they will not accept my arrangement to pay monthly amount due plus £50 because of my most erratic payments over the last year. (i have missed 2 payments).

Just a question, last year my case was adjourned with liberty to restore, however i have a letter from the court saying if it is not bought before the court by 8.2.10 then capstone need to start proceedings from scratch. Now my court date is 15th march so does this mean they have not followed procedures or because they applied for the case to go back to court before 8.2 10 is this ok.

 

I asked for some up to date info and they said i can only have it if i pay £35. I have had no current info from TLT only a letter saying when the court date and time is.

 

Your help would be very much appreciated as i don't know what to do now as i was hopeful that the arrangement would be accepted. If i don't get any paperwork can i contact the court before to request an adjournment or do i still have to turn up.

 

Thanks

 

Court action starts that day that the claim is brought, not the date of the hearing, so it makes sense that their application would need to be before 8th February, but the court may allocate a later date for the hearing.

 

Who is asking £35 for paperwork? This seems unreasonable and if they refuse it, I don't think the court would be happy with this. If they ring again refuse to talk to them (unless you can record it), and tell them to put everything in writing so you have a record for the court.

 

Unless you have good reason for an adjournment, which the judge may or may not allow, you really must go to court as no-one else will fight your corner, so you are highly likely to lose.

 

In the meantime, if you can afford to make up the amount that you have missed over the last 12 months before your court date it will look better for you. You really can't afford to miss any more payments though, either now or in the future.

[caro]

Hardly a pro ryde.

[caro]

Hi EIE and Caro,

 

Thanks for taking the time to respond to my message i would like to know what steps i need to make now. The last time i went to court, the judge said he was not happy that the figures did not tally and adjourned for a later date but stressed that only he wanted to deal with the case. How can i build a case when they will not even let me have current up to date figures of the amount they are taking me to court for. I have had a letter saying they will not oppose a suspended repossession order if i maintain an arrangement. BUT they will not allow me to make an arrangement but keep charging me £115 a month so i can't win. So what do i do now when over half of what they alledge is arrears is actually charges.

 

I am getting very stressed by it all now i don't know how i'm going to get time off work (i work in a school) to even go to court.

 

Do you have a thread about your situation and progress to date? If so please can you provide a link as it will be easier to follow than picking out posts on this thread.

[caro]

I've moved several off topic posts to the Bear Garden to keep the thread on track.

[caro]

I have better things to do than keep moving off topic posts to the Bear Garden so have unapproved a number of them. Abuse isn't allowed in there either.

 

Please abide by site rules which are linked here in case anyone isn't familar with them. http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html#post16

[caro]

ryde,

 

I battling with time and conflicts of advice ! I started editing the n244 down last night to confine it only to what Ell-enn and you suggest and although I did cut out all unnecessary words it was still about 650 words.

 

BUT the bloody thing did not yet include some other legitimate references as suggested by enough is enough and you. Am about to get at it now to complete it so as to file by 4 pm today.

 

Will post it when done.

 

BUT, interestingly I seem to have found what may be the answer to all our prayers. A bunch of people that if they are what they have just told me they are, specialise in going for the brokers and lenders mis-selling.

 

 

They seemed to think my statements should paint a comprehensive picture of the whole case and various points on which the eviction should be stayed as I did include in my original statement. they said they were going to phone me back within a few minutes with a more accurate view from a solicitor.

 

Have a look at their website here. they tell me they are a 'bunch of entrepreneurs who are NOT solicitors,but they employ solicitors and other professionals to put mis-selling cases together on a no win no fee basis.

 

I am, OF COURSE, cynical and they may be rip off merchants. But the guy I spoke to did sound convincing. See what you think !

 

Why would you want to pay "entrepreneurs" to employ a solicitor. Why not just go straight to a solicitor yourself on a no win no fee basis if you want to do that.? Frankly if they're on facebook and twitter looking for business it doesn't inspire me with confidence!! What purpose do these "entrepreneurs" serve?

[caro]

WHERE ARE AL OF YOU? I am selling my home of 17 years and dont know of yet if we can rent? ALL my house is in boxes with nowhere to go. we may be homeless if we cant get rented Tennants agreement pending fo me and my husband 19yr old son 22 year old daughter nad her boyfriend who knows our situation 30 yrs old ALL ON TENNANTS AGREEMENT. So if this does not go through can we live with you? Ive put my guts through this site I wont be left on the streets with ALL my family. Come on all is helpful. Have you all gone?

 

Have you got a thread you can link us to please jetli?

[caro]

I'm sorry jetli, but I've just looked at your threads and the one on eviction was updated on February 20th.

 

I'm not familiar with your circumstances and want to help if I can.

[caro]

I've looked at your thread regarding eviction and believe it would be better if we try and look at this on that thread. I have no ideata what your solicitor will make of this.

 

As I see it, the main thing that you are concerned about is the roof over your head. Rather than lose your own personal info on this thread can we move here.

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/246906-help-sppl-going-eviction-5.html#post2779606

[caro]

According to your thread you weren't evicted.

 

From what I can see the link I've posted is YOUR thread. I'm not trying to cut you out of the posts at all, but this thread has nearly 6,000 posts, so I can't tell what has happened to you.

 

I lived from boxes in a house that wasn't mine for 9 months and it was horrible. Please believe I just want to help you.

 

I understand that Ell-enn helped you when you went to court. Is that right?

 

Don't worry about SPML or anyone else reading your posts, lets just try and sort out your immediate problems.

[caro]

We should all be together through posts past or present whats your problem

 

People have different things going on in their own lives and come and go from the forum, so you'll just have to put up with those who are here now I'm afraid. We'll do our best for you.

 

We're all on your side. It must be awful for you.

[caro]

My concern all of a sudden is that you seem to need help, and although you've had it from other people in the past, at this precise moment they aren't here.

 

I am and if I can help I will.

[caro]

Fair enough jetli.

 

I obviously misunderstood where you were coming from on this.

[caro]

CAPSTONE but i have been taken off to my own thread WHAT HAPPENDED THERE

This is not your own thread. I was merely suggesting it might be better to use that thread for advice for your personal circumstances now, but you are still on the same thread.

[caro]

Ok fair enough.

[caro]

I have a life thanks jetli, and for information am a woman with feelings too.

 

Last response from me.

[caro]

Well done Truro. I'm pleased yesterday went well for you.

 

I suggest that you send a copy of the information you have to the OFT and see what they make of it.

[caro]

Only loans under £25k are regulated by the Consumer Credit Act. All loans over £25K are unregulated.

[caro]

thanks, but what is the regulated or unregulated mean to a borrower pls. pls try speak in lay mans language.

This article explains it.

 

Loophole puts borrowers at risk | This is Money

[caro]

Hi Caro - Hope you are Ok and again sorry for the other night - as you know head was spinning!! We got there in the end.

 

No probs jetli.

[caro]

Petition to: To stop subprime lenders charging fees whilst borrowers are in arrears. | Number10.gov.uk

 

Not sure if I'm missing something, but exactly how do you add your name to this list ?

 

You can't until after the election:-

 

 

During the official campaign period for the General Election the e-Petitions system will be closed to new submissions and signatures. The Government will also not issue responses to petitions during this period. This is to ensure compliance with the requirements of the Civil Service Code on party political neutrality.

Any petitions due to close between the announcement of the General Election and 3 June will have their deadlines extended to 3 June. Petitions will reopen for signatures upon the formation of the Government following the General Election. Thank you for your patience and understanding during this time.

[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.