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

[kurvaface]

Can anyone point me in the right direction please?

 

We took out a mortgage with SPML now Future Mortgages back in 2003. I think a hidden commission may have been paid to the broker and I want to know what the options are if any for getting the money back.

[ryde]

Can anyone point me in the right direction please?

 

We took out a mortgage with SPML now Future Mortgages back in 2003. I think a hidden commission may have been paid to the broker and I want to know what the options are if any for getting the money back.

see this link:

Wilson v Hurstanger | OUT-LAW.COM by Pinsent Masons LLP

which was a successful action on a similar problem.

more later

[ryde]

There's Lord bloody Archer jailed for lying and crimes against literature but still allowed to speak in the House and to retain his peerage..

 

Us humble law abiding folk have got our own self annointed Lord Cagger:

completely banned from the House for speaking the truth and stripped of his peerage..

lifetime banishment

 

Where's the justice in that!!!!!!????

 

It's in direct contravention of :

 

HUMAN RIGHTS ACT 1998 ARTICLE 6 – RIGHT TO A FAIR TRIAL by his peers:thats us

 

FREE ITBG

 

LIBERTY FOR THE CAG ONE

 

sea-sidelady, what is the problem here.? surely he hasn't been banned for harsh language again here,its borne of frustration.

Can't he be released on parole or is there a ransom involved,if so,how much?

Edited March 4, 2010 by ryde

[ryde]

The last post made by Tessa on 28th Feb here is very interesting

 

Capstone Mortgages - Disgraceful - Ripoff

 

Suggest we get the 54 complainants and Sean signed up here and complaining to the authorities.

We'll sort' em all out.

[ryde]

itbg

contact me and let me know whats happening

Edited March 4, 2010 by MARTIN3030
Personal email removed

[enoughisenough]

Good idea Ryde.... Will follow that one up. 54 more oft fos fsa and Cib complaints. Who can argue against that?

 

SHUT EM DOWN.

Edited March 4, 2010 by enoughisenough

[MARTIN3030]

Site team spotted and scuttled off...

 

UNBLOCK ITBG. PLEASE.

 

 

Just to be clear-members acounts that are subject to Moderation are not open for discussion on the open forum so site team will not respond to these questions or demands here,nor should they be expected to do so.

Site team are volunteers who are here giving their time free and often without any thanks,please remember that.

Moderated users,just like any users,are free to contact site Admin to address complaints or concerns.

Thats the way things should be done as opposed to some of the posts we have seen here recently.

 

Thanks for understanding.

[ryde]

MARTIN3030

In order to save repetition of numerous enquiries would you be kind enough to explain what a moderated user is?.Are their posts edited before posting or are they prevented from posting entirely?Your team is the same as the people on here albeit with a great deal more experience and use your own value judgements to say who can and who cannot post.

The founders of this site intended it to be an open forum subscribed for by the users and a democratic platform for the users voice subject of course to proper legal restraint for the good of the site.The users should therefore have a voice and opinion in the censure of any of the members for proper democracy to work here.You have removed one of the most valuable posters here and we are not happy with the reasons why.There is a huge conflict of interest that has been created here and the whole fundamental reason for the sites existence has been in my view and that of many others undermined.It would be therefore in the interests of the site that an open response is posted here for all.From the number of posts and views this must be one of the most important threads on the site.Your response on the open forum would therefore be welcome.In this case I believe it would be appropriate and we will take a vote on it if necessary or/and contact the site founders if you feel this is appropriate.

Edited March 4, 2010 by ryde

[littledotty27]

I will second that Ryde. I personally would of not got any further without all the information that has been received.

[enoughisenough]

It is an accepted fact that the site team do good work of their own volition, and without any recompense.

 

It is also acknowledged that the core reason for being of this site is protection of the consumer, not his or her liquidation, through ignorance of that which has been posted, proven as a weapon against the ****, and now unilaterally and in its entirety removed.

 

If you want to remove anything remove my post after speaking to Pilcher. The kids were giving me a half term headache and I dropped my guard.

 

But. The struggle has to continue in the interests of all those getting fecked over and will continue.

 

You simply cannot win against outrageous and unlawful abuse sanctioned (who could now argue otherwise?) by the very authorities supposed to guard against this social carnage when the very community you joined to seek support and thereby lend your support to others, silences by diktat the most successful contributor to date against the ****.

 

Don't forget I have been an informed voice of "moderation" and support for others on this for long enough now to say this.

 

We too, under much duress, spend our free time. I have spent my free time helping others when I should have been attending to my own stuff. SHAME ON THE SITE TEAM for banning the irritating but productive ITBG?

 

Serious. were you guys leaned on? My tenner to your thousand says yes.

 

AT LEAST ALLOW HIM TO PM

 

Oh and by the way. Just for the avoidance of doubt. There is sheer bloody murder going on out here. Sort it and grow some. It was always going to be like this when you take on the Lehman's of this world.

 

Dormant entities bringing repo claims?. COME ON! The CAG should be screaming from the rooftops.

Edited March 4, 2010 by enoughisenough

[littledotty27]

unblock

Edited March 5, 2010 by littledotty27

[Crapstone]

Hi All,

 

I have a suggestion for applying some pressure to our friends.

 

How many of you have ever received notification from PML, SPML etc that your account will be administered by Capstone??? (Very few if any at all).

 

What I suggest each person does is contacts Capstone and ask for an up to date letter from them and your Lender authorising Capstone to administer your account.

 

Each and everyone of you signed an agreement for a loan/mortgage from your lender and it is them you were led to believe would also be administering it. Suddenly Capstone appear and everyone seems to just assume that payment should be made to them with no questions asked. For the likes of PML payments usually show on your bank statement as being made to SPML. I believe that Capstone are unable to provide good receipt for monies paid in the absence of some written authorisaion. This is a basic approach that seems to have been overlooked by everyone and I think it needs addressing.

 

I for one have raised this question with Capstone and have been refused the information and therefore as a result I am now refusing to pay to them unless they can prove they are entitled to administer my account. Until such a time I do not have any more legal obligation to pay Capstone than I do any of you on here.

 

Anyone in a vunerable position with your lender should be aware of some risk involved in upsetting Capstone with this approach but I dont think there is a lot they can do as the burden of proof is on them.

 

Anyone with a suspended repo for example has an order by the court to make payment to their lender not Capstone and therefore unless Capstone can prove that they are assigned the administration rights then as far as I see it, your lender has provided you with no means to pay.

 

It is clear they have something to hide and are more likely unable to provide a written document of assignment as none of the lenders have any employees to provide this and it this may have been a massive oversight on their part in the beginning.

 

I for one am fed up with being bullied by these idiots and I think its time for people to start bullying them.

 

Based on Capstone's refusal to provide proof I am considering an LBA notice to Capstone for fraudulently extracting money from me and making false misrepresentations.

 

Any thoughts on this guys?

 

Sced.

 

It was all written in T & C's that they would be using Capstone for admin. Buried in the small print was that they COULD sell it on. I'm sure if we were factually aware that we'd be left open we just wouldn't have done it. You think you are with a lender. They had the money, they own the title. You just don't expect to be part of this s**t that they sold off and didn't have the money in the first place.

[enoughisenough]

Ld Did Your Pm To Itbg? Bounce?

[ryde]

crapstone with respect.

I think that different rules may apply to different lenders so as you say it is important to view the small print.But I'm sure Preferred had their own administration set up before it was merged over with capstone.Whether the borrower was actually notified that Preferred had at the time authorised capstone as their new admin. or indeed had to is another question.

[littledotty27]

yes it has

Edited March 5, 2010 by littledotty27

[Crapstone]

Sorry ..I agree with the site team.

 

'In order to save repetition'

 

It's unfair to make any demands or expect rhyme or reason. Please respect that. We are owed nothing here and shouldn't expect anything in return, regardless of input.

 

I can't see what the fuss is about. You already have your own ability to act for yourself. What more do you need? It's been going on for long enough.................

[ryde]

itbg is not the only one banned from posting here martdj has also met the same fate,so its free the cag 2 now and could be more.

It's bad enough fighting the lender's now we've got a battle with our own site team ,happy days!

[Crapstone]

crapstone with respect.

I think that different rules may apply to different lenders so as you say it is important to view the small print.But I'm sure Preferred had their own administration set up before it was merged over with capstone.Whether the borrower was actually notified that Preferred had at the time authorised capstone as their new admin. or indeed had to is another question.

 

It was all mapped out ages ago Ryde. How they were all connected and what the contracts would have said. There are only so many times you can keep going around in circles without getting dizzy.

[enoughisenough]

]Still doesn't stop a complaint to the CIB though does it?

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Complain, complain complain...

 

FSA are useless the FOS are trying to find any which way out of taking it on. Parliament doesn't want to know...you got in early K and got the wind, there's too many out there being stonewalled and effed over now. Even the authorities don't want to know.

 

You can take that on trust. Once upon a time maybe...

 

PS THE BOE QE programme has stopped dead at £200 billion....try that shoe for size!

Edited March 5, 2010 by enoughisenough

[Crapstone]

itbg is not the only one banned from posting here martdj has also met the same fate,so its free the cag 2 now and could be more.

It's bad enough fighting the lender's now we've got a battle with our own site team ,happy days!

 

Unbelievable.. It's not a soap opera. I have nothing more to say other than you should look back and figure out why we are posting. In the main it's to keep our houses and do something constructive.

[enoughisenough]

Ryde

 

What did the relative newcomer martdj do that was so offensive...must have been hitting some buttons rather hard.?

[enoughisenough]

This is what we like....

[ryde]

Quote:

Originally Posted by ryde

itbg is not the only one banned from posting here martdj has also met the same fate,so its free the cag 2 now and could be more.

It's bad enough fighting the lender's now we've got a battle with our own site team ,happy days!

 

Unbelievable.. It's not a soap opera. I have nothing more to say other than you should look back and figure out why we are posting. In the main it's to keep our houses and do something constructive.

 

 

Without one of our big players and most will endorse that including dotty and eie we are hampered in that fight in my own personal opinion.

ITBG for all his faults has caused more damage to these lenders than anyone here, the forced submission of accounts has cost them thousands in auditors fees alone.His probing along with the assistance of others is getting to the corrupt core of the whole sorry mess and could lead to the type of exposure which stops these criminals once and for all and leads to full blown investigation and prosecution.

Sppl would still be merrily active at CH now they are challengeable.

The only way they could shut him up was to get him banned on some ridiculous trumped up charge and the threat of legal action,thats how close I think he and we were getting.

Its simply a case of different horses for different courses.

Edited March 5, 2010 by ryde

[Crapstone]

EIE,

 

Stonewalled? No. Remember if anyone I should have been thrown out on my ear. Deliberate non-payment that I knew nothing about! It's taken nearly 8 years of hard work to get to the position of putting them on the run. Fact finding, number crunching a lot of entrapment. Above all it's doing something and standing up to the numpties.

[ryde]

Ryde

 

What did the relative newcomer martdj do that was so offensive...must have been hitting some buttons rather hard.?

 

posted up personal details of the directors off 192 then they got paranoia which usually comes through a guilty conscience and saw imaginary threats.

But on reflection oh dear not the best of ideas as they now have a stepping stone and an excuse to make unwarranted threats against the site and us.Which is just what they must have been waiting for.

In fact being a conspiracy theorist,could they have set it all up,theyre pretty devious.Great way to get rid of their biggest thorn just after they had to pay thousands after being forced to submit their accounts?

So martdj and itbg were consigned to the sacrificial pyre of appeasement.

Didn't Neville Chamberlain carry out some such successful policy in the late 1930's.?.