hi all i had my mortgage with spml until 2 years ago. today i recieved a letter from them to say that they had done a comprehensive review of their mortgage accounts with the FSA and have therefore decided to refund some of their charges that the FSA consider to be over the top. They are going to refund the grand total of £51.29 and that includes intrest at 8%. ........ better than a kick up the arse lol Thought I would let you know so there is a good chance you should all get something back. Kind regards Midge

Right as I thought the solicitor won't do anything so he says I have to contact BF to challenge it. Where do I start? Have tried phoning the new Citizens consumer advice line and their phones are not working!

Anybody????????

Hi all It,s been a very long time since I have been on here but I would appreciate some advice . In 2006 i took a loan with BF for £13,500, they added another 1k for broker payments were for 96month. Variable interest 18.4%APR but statements show 15.4% each month.The original payments went up after a few months and have stayed the same ever since. We are in process of selling and today I received copy of the redemption figure. There are only 20mths left on loan outstanding credit is just over 5k they have only given a rebate of just over £600 despite the agreement stating: the amount payable per £100 AFTER 72mths is £49.19 they have added just over £1300 in fees and charges and just over £1700 in additional interest the final figure comes to just over 8k This must be wrong surely. I have asked the solicitor to query it but don't think they will do much. All opinions appreciated.

This will make you laugh......not. Today they sent me one of their high cost letters stating that my account was in serious arrears. The amount owed................£.0.01 Try justifing that!

Hi I pay into a Barclays account no beginning with 604 so would also be interested in which account has been closed.

Hi sced I did realise this but as the one I found is very new and with same name I found it interesting.

When I put in SPML in webcheck this is the only one that comes up: SPML LIMITED FLAT 232 DOYLE HOUSE OSBORNE ROAD LONDON UNITED KINGDOM W3 8SN Company No. 07127263 It is newly formed.

Well when I have finished fighting Crapstones I intend going for BF. When I took out my loan I phoned them directly and they then put me through to their sales dept. My statements show a 1k commission paid to a broker. I never knowingly used a broker and had no paperwork from a broker!

Hi If you do not agree with the adjudicators decision you can complain and ask for your case to be looked at by an ombudsman i believe. don't give up keep at them.

Hi Just bumping the thread for in the hope someone can help

Hi I had troubles with the company I pay mortgage to adding arrears charges etc when i didn't have any arrears and first I wrote letter of complaint to them and then took it to the FOS who sorted it out and got charges refunded. Am in process of doing it again! Hope this helps

Here's an interesting article on the BBC. BBC News - Northern Rock former directors fined and banned by FSA

Well Kensington have now been given their fine, lets hope capstone are next. Kensington Mortgage Company Limited fined £1.225 million for unfair treatment of some customers in arrears and will pay estimated £1.066 million customer redress

Hi Joby WELL DONE YOU! Have a good Easter

Hi Andrew This is from one of the prospectus's The Account Bank Barclays Bank PLC, acting through its branch at 1 Churchill Place, London E14 5HP, will be appointed as Account Bank pursuant to the bank agreement (the "Bank Agreement") to be entered into on or about the Closing Date between the Issuer, the Cash/Bond Administrator, the Mortgage Administrator, SPML, SPPL, the Account Bank, the GIC Provider and the Trustee. Barclays bought Nomoura i believe after lehmans went bankcrupt but you should do your own checking before taking anything read on here as gospel

I do think that you have got your wires crossed a bit margaret and you should be careful to double check things. We are all in agreement that the sub prime sector is on the make and we are all getting ripped off but as you will see from the long spml thread many of us have been working on this for a long time and it is all very complicated. I am sure your intentions are good but we must all be careful with what we post here as some will take it as gospel without doing their own checking.

This is also from companies house today for one of the many Eurosail entities EUROSAIL-UK 2007-4BL PARENT LIMITED C/O WILMINGTON TRUST SP SERVICES (LONDON) LIMITED FIFTH FLOOR 6 BROAD STREET PLACE LONDON UNITED KINGDOM EC2M 7JH Company No. 06265728 Status: Active Date of Incorporation: 01/06/2007 Country of Origin: United Kingdom Company Type: Private Limited Company Nature of Business (SIC(03)): 7487 - Other business activities Accounting Reference Date: 30/11 Last Accounts Made Up To: 30/11/2008 (GROUP) Next Accounts Due: 31/08/2010 Last Return Made Up To: 01/06/2009 Next Return Due: 29/06/2010 Last Members List: 01/06/2009

This is from companies house today Name & Registered Office: SOUTHERN PACIFIC MORTGAGE LIMITED ST. JOHNS PLACE EASTON STREET HIGH WYCOMBE HP11 1NL Company No. 03266119 Status: Active Date of Incorporation: 15/10/1996 Country of Origin: United Kingdom Company Type: Private Limited Company Nature of Business (SIC(03)): 6523 - Other financial intermediation Accounting Reference Date: 30/11 Last Accounts Made Up To: 30/11/2008 (FULL) Next Accounts Due: 31/08/2010 Last Return Made Up To: 20/09/2009 Next Return Due: 18/10/2010 Last Members List: 20/09/2009

Signed

I have a complaint being dealt with as we speak..........the second one in a year!

Hi What a nightmare for you! Are the FOS aware that this should be made a priority case due to court? I would send Mars a SAR and ask for all info including a full statement of account and a statement of arrears. Make sure you have a file with all paperwork you have recieved from them and the court. Copies of bank statements showing all payments made. Also check out MArs on companioes house and fsa register and see what you can dig up. I'm not sure how else to help you but I'm sure others will be along soon. Good luck

Hi joby73 Crapstones are the administrators for pml and deal with the day to day stuff like collecting payments and generally ripping you off! You need to post on the repossession board and get the help of ell-en she will guide you through what to do and help with letters etc. If you look through the spml thread you will find lots of info on pml etc but you need to stop the eviction first. Good luck

Hi Just to let you know my complaint that I lodged with the FOS in Jan is now being dealt with by an adjudicator so it hasn't taken too long. They are looking at the last one I made as well as this one stems from that one . So if you are going to the FOS it seems the wait is not too long at all.

Proof that what we have discovered about the manipulation of their balance sheets is true BBC News - Lehman Brothers' former heads criticised for lapses