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

[enoughisenough]

Hi all

 

The consensus appears to be that I have been a little hot headed and have been posting stuff that is unnecessarily hostile and provocative.

 

I agree that this interpretation is justified and that (not for the first time) I got a bee in my bonnet.

 

I wish to offer my sincere apologies for impugning the motives of individual members of the site team, and since the accusations were made publicly the best place for this apology is also in public.

 

If anyone thinks otherwise, the fire has not gone out of my belly. But I'm driven mad by the sheer frustration of watching day in day out waiting for some development - it does my head in, as I'm sure it does everyone else's.

 

If we have some small victories preventing a repossession (those are obviously big for the people involved) it still feels like nothing has been achieved. How some people cope (or rather don't) I have no idea.

 

Keep the faith EiE.

[enoughisenough]

Others may take a different view but I would regard this as sufficiently puzzling to launch a complaint with the Information Commissioner. Let them sort this out. That's what they're there for.

[enoughisenough]

Anyone else feel that they have not received the high level of service that Capstone pride themselves in?

 

Oooh. Now let me think.....

 

JUST ABOUT ANYONE WHO HAS EVER BEEN INVOLVED WITH THE **** SUCKING PREDATORS

 

Just a wild guess though.

 

Mortgage Strategy "interview" with Amany Attia

[enoughisenough]

Eagle

 

Insofar as barclays/ woolwich are concerned you now have all the necessary ammo for issuing claim in the County Court. My experience with them suggests it will go to the wire. Send them an LBA giving the 14 days to comply with and observe the FOS adjudication when they fail to do that it's time for your N1 claim. They'll back down before the hearing in most likelihood but it pays to get your arguments and evidence in order in case they actually defend properly.

 

Keep the faith. EiE.

 

You'll get plenty help with this I'm sure. Just don't take any assistance from betty. The accuracy per post ratio is somewhat suspect and they can't admit to being wrong. On a site like this that's no good to anyone.

[enoughisenough]

Hi eagle

 

If you were to claim in the county court with Capstone the defendant would be the OL SPML, SPPL, PML. However probably the best way to do this would be to file a counterclaim. Although you are out of time it is quite straightforward. Judges will not hear defences but THEY WILL hear counterclaims and are known to be quite sympathetic to the arguments. People's experiences in court are frustrating because the judges are sticklers for procedure. As a defendant in a repossession claim you have very little ground in which to make arguments but as a counterclaimant the court will open up to you and hear what you have so say.

 

I would suspect that they already have a suspended repo order hanging over you. Is that right? If so you can still counterclaim but the right to do so must be affirmed by a Judge. You only have automatic rights to a counterclaim when you submit your defence, i.e. within 14 days. The key regulation is the Unfair Terms in Consumer Contracts regulations (1999). Basically any term which requires a consumer to pay more than the costs incurred as a result of the breach is likely to be unfair and thus 'not binding'. You could argue that virtually any term that results in charges is reclaimable but that is a matter for the court. I would bet that any properly constituted counterclaim which was admitted by a judge would have an 80-90% chance of success.

 

Keep the faith EiE.

[enoughisenough]

Hi all...

 

I'm Utterly frustrated here.

 

The fact is that Capstone have been completely in disregard of any of their obligations as an FSA authorised company.

 

Even any cursory glance at the postings here (unless everyone is making it up) would confirm this.

 

So, in consequence can we agree, that CAPSTONE is an outfit which should not hold ANY authority from the FSA until it is proved FIT TO DO SO?

 

Or is it always the case that the posters who essentially support these bastards, and who obviously have self interest at heart, will win the argument because any sustained opposition to those arguments is ridiculed by proxy on other sites?

 

This has done NOTHING TO PROTECT THE VICTIMS OF THE OUTRAGEOUS ONSLAUGHT OF REPOSSESSIONS. Petty vendettas get nobody nowhere, unless of course there is an interest in pursuing them.

 

I reserve special condemnation for those who seek to divert, dissemble or distort through LYING.

 

You know who you are and YOU KNEW what you were doing.

 

Shame on you. My motives are clean and clear. Are yours?

[enoughisenough]

From the other place

 

Well done Richard Dyson of the Mail on Sunday. Well done for exposing Capstone. Well done for exposing their shameful repossession strategy which is not and never was a policy of last resort.

 

It is a policy of first resort. It is their business model.

 

They want to liquidate the mortgage book as fast as they possibly can. And that means charge, after unfair charge, after extortionate unfair charge, until they have the "grounds" for repossession.

 

Now that a journalist with the courage and integrity to run with this has exposed the shameless and disgraceful CAPSTONE MORTGAGE SERVICES for what they are, maybe others would like to follow his excellent example?

 

One thing's for sure though. They are not nearly so secretive as they once supposed.

 

The FSA's immunity from censure for these disgusting practices will surely now fall under the microscope.

 

CAPSTONE ACCUSED ON REPOSSESSIONS