Well thats rich because I have it in writing from capstone that they are not a mortgage lender or able to offer financial advice or able to vary the terms of my mortgage agreement such as offer payment breaks or any other thing as they are only administrators and if I am having difficulties I should contact an independent financial advisor............so that says they are not the decision makers but if as stated above SPML are as the originators then how are they supposed to make decisions when they are virtually non existant and all letters are dealt with by.......capstones!

Hi sparkie Can you not get them for mis-selling because of your age when they gave you the loan? Surely this means they did not do correct affordability checks as you were already over the retirement age. Sorry if you have already covered this just trying to come up with different angles for you.

Found this from May this year PwC pulls off sale of Lehman Brothers division - Accountancy Age

The IBU corporation claim to be good citizens! They help the HELP & HOPE Foundation in the UK. Google HELP & HOPE Foundation and see what comes up...............lots and all American!

Found this as well Also has Munir Mughal as vice chairman IBU CORPORATION

Sparkie Just wanted to say how sorry I am and I hope you find some way to beat these **** of the earth.

Just found this More protection if your mortgage is sold on - Telegraph Doesn't explain how they intend to protect us though.

Here is a thread that shows the sub primers can be beaten. I.m not sure but I think this may have been what Jon Chris was on about. http://www.consumeractiongroup.co.uk/forum/repossessions/166353-redstne-evicted-us-being.html

It seems set up to work with Australian banking models Ignore that have just read some more and it does seem to say it works for uk banks...doh!

Hi EIE I have thought about this often but unfortunately it is not cheap.

Well I got my 3 monthly statement today. Can't make head nor tail of the dam thing! It seems they have refunded a charge from 2006 which is good but at the end they have added £50 x2 and removed £50 x 2 with no explanation. There are credits made back after interest has been debited and it seem out of 3 mp 2 go on interest and 1 goes off the capital. I am also in arrears by £60 but the letter I got last week said arrears were £100..........have a complaint in about this. Well I reckon if we got a forensic accountant to go over our accounts they would have a field day.

Hope your Dad pulls through crapstone. I went through the same thing 4 years ago with my dad but unfortunately he he had one too mny. My thoughts are with you.

Hi I think she needs to send cappstone a SAR and ask for all the info on the sale of the house with a complete breakdown of the fees attached to this. As you say with so much debt she may be better off going bankrupt but I am sure someone else with more knowledge will be along soon.

Gallahad There are many threads on Blemain. Use the search facility and you will find plenty of us struggling with them.

signed

Does anyone have access to dehavilands? Moody's Investors Service - London - Moody's takes action on notes ... This is about capstones

This goes with the earlier report that capstone is being re structured in Dec

That's if any one wants to take them on!

Found this as well Market News

well the eurosail holdings have had their suspension lifted on the ISE Market News Market News

Recieved a letter with SPML's new charges today. From 1st Jan 2010 late payment management fee £25 incurred each month if arrears balance is equal or greater than 1/3 of your current monthly payment due OR arrears management fee goes up to £85 incurred each month when at close of business on 15th day of month arrears balance is equal to or greater than 1/3 of your monthly payment due or we have received notification from another lender they have taken possession of the secured property failed payment fee £9 referral to sols £50 litigation management fee £115 OR repossession management fee £115 charged each month (including the month in which your property is sold) when your property has been taken into possession and remains in possession until sold. Nice to see they have made it all clearer lol

Well done you. The statement should make interesting reading lol

Well done you. The statement should make interesting reading lol

Hi brantwood The following thread is full of the problems that Capstone cause! http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/170607-spml-london-mortgage-company-123.html

Hi the theifs Ask them to send you a statement of arrears. Won't be easy to make out but at least you will have an idea of what they are adding.