About Capstone
AN INTRODUCTION
This is a project borne of bitter experience in an ongoing struggle to see that when it comes to observance of the law, they and the regulators will be held accountable. It Is not the humble borrower who is sub-prime, toxic or delinquent. It is the Third Party Administrator Capstone Mortgage Services who are:
SUB-PRIME in their ‘standards’ of professional diligence
TOXIC in their deleterious effects upon the nation’s economy and its citizens
DELINQUENT In their failure to observe the various regulatory provisions that bind their conduct.
They conduct themselves in an wholly inappropriate fashion which does not befit their regulated status. They lie, steal, cheat and do irreparable harm to the consumer.
They are fully culpable for a whole host of breaches of regulations and EU originated consumer protection laws. They exercise their conduct wilfully and instruct solicitors to misdirect the courts as well as lie before the courts.
It’s really very simple.
Abuse of markets, abuse of consumers and abuse of the civil process.
THEY ARE UNFIT TO HOLD AUTHORISED STATUS…SHUT THEM DOWN.
SITE MANIFESTO
We aim:
1. To name and shame Capstone Mortgage Services as a disgraceful Third Party Administrator which specialises in ripping people off before dispossessing them.
2. To highlight the appalling practices of this firm which are systemic and unlawful and which cause huge consumer detriment.
3. To highlight the fact of insolvent trading by the Lehman Bros entities including SPML, SPPL, & PML; to further highlight their failure to comply with their legal responsibilities to submit accounts or appoint directors.
4. To challenge the locus standi of Capstone Mortgage Services to issue claim on behalf of the originating lender
5. To campaign and lobby the regulators such as the Financial Services Authority to halt these abuses NOW, by applying the law and regulations as they exist.
6. To assist anyone in the process of fighting unlawful, falsely premised and vexatious repossession claims to mount a viable defence
7. To campaign for fairer hearings before the courts in repossession claims than the anecdotal evidence suggests is currently the case.
8. To encourage in the media wider reporting of the fall-out for thousands of British families and households of the Lehman Bros bankruptcy.
This is not just our manifesto. It is yours too. Feel free to post up suggestions and they will be considered for inclusion.
FOLLOWING ON…
1. The site Manifesto is a guide to our aims and will help you decide whether this blog is appropriate for you and your circumstances.
2. This site offers a wealth of resources including securitisation prospectuses, regulations and case law. The database is a work in progress and will be added to on a regular basis.
3. We are trying to make navigation around the blog as accessible as possible. Please bear with us. If you are clear about what you are looking for use the search facility first. If not, then ASK.
4. We have changed our policy on offering help and advice in individual cases. We are now willing to offer such help but with a STRICT DISCLAIMER to the effect that your decisions must be your own and you are strongly advised to seek professional legal assistance before making any such decisions.
5. We ask that you contribute and that you do so in a meaningful and constructive fashion. We also ask that you help others. Any abuse or spam will be UNAPPROVED.
6. This site has been created in order to provide a free use resource for consumers of Lehmans mortgages and loans in the UK. Specifically it was established to publicise the appalling detriment and abuse of consumers perpetrated by CAPSTONE MORTGAGE SERVICES.
If you have any other finance related questions it is strongly recommended that you seek professional guidance in the form of a solicitor (or any other legally and or financially qualified person) or advice from one of the many forums available, a qualified debt counsellor or the Citizen’s Advice Bureau.
FINALLY…
We are in receipt of many harrowing messages from people whose families have been utterly devastated by the outrageous treatment meted out by CAPSTONE MORTGAGE SERVICES.
We have not chosen the words utter devastation lightly, for that is what you do. You wreck homes and destroy lives.
This cannot and will not stand. That is what this site is for. We will not abide with this abuse. We will not simply tolerate it. We will lend our support. We will fight back. This site will publicise. It will agitate. It will lobby. And it WILL hold them to account.
53 Comments for “About Capstone”
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If Goldman Sachs has been indicted for fraudulent activities directed at investors in their mortgage derivative packages, and that the stated aim in the prospectus to those potential investors was that all those mortgages were expected to last no more than five years, is this not perfectly clear evidence that all those mortgages were actually fraudulently sold in the first place to the mortgage borrowers too ?
The borrowers usually signed contracts for twenty or twenty five years- expecting to be able to hold that mortgage for that period if they so wished. Not all of them wished or expected to re-mortgage within a couple of years, and even it they did, they knew, and the lenders knew, that re-mortgaging was very likely to be difficult or impossible for many or even most of those borrowers.
All the banks collude, using the carefully crafted credit agencies which they set up and control to hold in common as a means of colluding with each other to deliberately push more and more people into sub-prime or higher rate, higher profit borrowing.
Their concepts of describing people as potential bad risks for borrowing on the basis of a low credit record are an utter fiction.
Many, if not most of the things that give people bad credit records are ludicrous and absolutely nothing to do with whether a person is reliable and a good credit risk etc.
The banks are simply liars and thieves who use a constructive fraud to milk anyone who has anything to do with the dishonest, immoral crooks.
If any individual set up a small business that behaved in the same way as banks did and did exactly the same things as the banks do, that person running that business would soon be in prison for fraud.
So, I think we should aim to get the banks prosecuted. It can be done.
Hi Boz
I couldn’t agree more. It is a FIRST RATE SCANDAL that this kind of activity can take place in the first instance, let alone be tacitly encouraged by the very institutions charged with regulating the market and the very institutions charged with protecting the consumer and enforcing the law.
It is absolutely shocking.
I lost the plot a bit with my previous post because my main point was:
– if Goldman Sachs has been indicted for fraud for fraudulent selling of their mortgage products to investors, simple logic dictates that the individual mortgages sold to mortgage borrowers were also fraudulently sold as part of the greater fraud of which the first part only was to be able to fraudulently con people into having sub-prime mortgages which were expressly intended to be used as investor bait in a fraudulently sold investment.
The entire scam was a deliberate fraud from the beginning with individual borrowers being victims, as well as large investors who were fraudulently persuaded by Goldman Sachs to buy huge numbers of these mortgages as an investment package because those investors were told by Goldman Sachs all the mortgages in those packages would be terminated and paid back within a year or two.
How was this to happen, except that Goldman Sachs must have had the obvious intention and expectation that the hapless mortgage borrowers would be re-possessed and evicted from their home in vast numbers within just a short time of buying their homes with these rapacious mortgages.
What clearer evidence of fraud and theft on an epic scale is needed ?
Goldman Sachs and the rest of the sub-prime mortgage thieves should also be indicted for perpetrating fraud against the individual home owners they have been comprehensively fleecing.
Any unfortunate victims of these criminals who set up the whole sub-prime mortgage market as a means of extorting obscene amounts of money from homeowners should be compensated for the fraud directed at them.
Why isn’t the Government doing something about it ?
Why is the American Government only interested in taking legal action against Goldman Sachs for their selling of fraudulent investments to large financial institutions and is doing absolutely nothing about the millions of individuals who had the bad luck to be conned or forced into taking out a sub-prime mortgaged which often led swiftly to eviction from their homes and complete loss of any savings they used to buy a home for their families.
HI Boz
I beg to differ. I don’t think you have lost the plot. If you want to know who lost the plot try the FSA , the OFT, the courts and HMG.
They really DID lose the plot and whilst the investors might be bailed out the poor bloody consumer is going to pay (has done already in many cases) for all this. What a mess. What a stitch up. I get messages from people on the brink of suicide with all this. And still the FSA does nothing.
THE ONLY PEOPLE WHO PROFITED OR ARE PROFITING FROM THE RECESSION ARE THE PEOPLE WHO ACTUALLY CAUSED IT……………THE BANKS…DON’T THEIR OBSCENE PROFITS AND BONUSES SPEAK FOR THEMSELVES?….
Please feel free to comment on the revised “about” page, specifically some of the aims and basic rules. The administrators are open to ideas for change and development.
Please also post up any first hand experience you may have of their misconduct.
I have tried to access that very helpful site from Shaun Parker, but there is no longer any link. Has anyone else had a similar experience, or is there a reason?
Hi Blake
Here’s a link to Shaun Parkers excellently titled CAPSTONE MORTGAGE SERVICES-DISCRACEFUL-RIP OFF
HAPPY SURFING OVER THERE. DON’T FORGET US THOUGH.
hi im with this company and im beind on my mortgage payments after a spell unemployed i asked for a claim form for my protection insurance only to be told i didnt have protection so i couldnt pay my mortgage and ended up being £3000 in arrears so i setup a repayment plan paying an extra £150
but the charge me £115 a month for being in arrears so i am in a no win situation can anyone help please
also i know i took protection payment out
Hi John
This is pretty much par for the course with this shameless bunch of outlaws. However you are not in a no-win situation. They just like you to think that you are. Your situation provides fertile grounds for challenge and restitution.
Can I ask how much paperwork you have intact from your original dealings with this desperado outfit of squeezy merchants?
You may need to issue a subject access request and we can help you with that if you are not sure of the form on how to do this. It’s basically the first step on the long road back to regaining control in your dealings with the reviled Capstone.
It would not surprise me in the least that you had PPI with them and they are now denying that is the case. They are hardly known for their ability to tell the truth or even anything closely resembling it. Good faith and Capstone are not even very distant cousins.
You should very definitely sign up for email alerts so that you are notified when comments are made or new posts are made.
No doubt we’ll liaise again soon. We will do everything we can to help you. See the links at the very top (e.g getting your money back); these are not populated yet but very soon will be.
Kind regards CMS.
Take one look at the name…
This poster has posted using at least THREE different user names and has even masqueraded as a senior representative of Capstone Mortgage Services.
In translation it actually means this poster has a personal vendetta against this site.
After all what could possibly be wrong with seeking preliminary FREE advice and then testing that advice with a qualified legal representative?
No-one is advising you to place your home, family and future at any FURTHER RISK THAN IT ALREADY IS on account of this site..
I for one would hang my head in shame for being part of a site that did that.
If THE LORD would like to take a closer examination of ALL the posts here he will find, that people have been referred to the CAG, which incidentally carries the same disclaimer all over the place. I don’t suppose you have posted the same criticism on CAG though have you?
This poster advises that you put your head between your knees, pray to him and then kiss your butt goodbye. Or is there a better more CONSTRUCTIVE WAY of stopping these utter cheats stealing your home that the LORD JESUS CHRIST KNOWS OF IN HIS DIVINITY?
Artless, witless, worthless.
“We have changed our policy on offering help and advice in individual cases. We are now willing to offer such help but with a STRICT DISCLAIMER to the effect that your decisions must be your own and you are strongly advised to seek professional legal assistance before making any such decisions.”
Love this warning and it should be heeded strongly.
In translation it means;
We the Fullofshit shall tell all the wrong information we have and then when you get to court and lose your house, you can’t blame us;
quote TLJC + IDENTITIES TOO NUMEROUS TO BORE YOU WITH.
TLJC having never made a single contribution on (CAG EASILY VERIFIED BY SEARCHING FOR ALL POSTS BY NAPIERNUTS )to assisting anyone prevent eviction now tries to belittle the efforts of those who have.I stand by my track record on CAG .
CHECK MY NAME IT IS THE SAME ON BOTH SITES
THE CURRENT SCORE IN ASSISTING VICTIMS IS I BELIEVE 5 TO US NIL TO THEM,THIS WAS WITH THE AID OF OTHERS WHO DESERVE THE SAME IF NOT MORE CREDIT BUT I BELIEVE AND THINK WE ALL MADE A SUBSTANTIAL CONTRIBUTION AND DEVOTED A GREAT DEAL OF OUR TIME.I AM NOT CURRENTLY POSTING ON CAG AS I THINK FAR MORE CAN BE ACHIEVED HERE AND THAT THIS SITE DESERVES MORE INPUT AND EFFORT.
“HOW DO YOU LIKE THEM ONIONS”
GAME OVER….
Obviously we must be hitting a raw nerve,!! as we are discovering the truth & they don’t like it. Does TLJC/Mary/Poppins/Tony Marek work for Capstone? Their asses much be twitching! :0
I note that Capstone seems about to be sold (Phoenix takeover perhaps?). Our new coalition has done nothing, despite Vince Cable and other MP’s being said to have a close interest in their affairs.
Perhaps our new PM aught to tub thump and start to use phrases like ‘Capstone the subsidiary of an AMERICAN company has caused devastation to British people’. After all Obama is having a go currently at a major British company when it affects their national interest.
COMMENT FROM Andy
MOVED TO TRASH AS IT REVEALED HIS IDENTITY. Here it is in full. Apologies. Andy try not to use your real name when posting. The scum trawl this site.
here’s your post…
Andy if you get the charges refunded you can normally ask for 8% from the day the levied the charges. Check out the charges refunds section first though.
On your second question just make a complaint to the relevant land registry office. Ryde has a great deal of experience on LR issues. I’m sure he’ll be able to advise more closely.
Andy if you want to find out if the charge has been removed simply ring the land registry and ask, if you know the title number of your property.You can do it online for £4 but you will have to create an account(simple) see this link here:
http://www.landregistry.gov.uk/www/wps/portal/!ut/p/c1/04_SB8K8xLLM9MSSzPy8xBz9CP0os3gfN1MTQwt381BD_2A3A08LT2cL49AwIwN_Y6B8JG55dyNKdBsYEqPbAAdwNCCgOxzkV
if link doesn’t work google land registry search find a property.
Any problems post here.
hello all,
I have a problem with LMC and Capstone and i wanted to know how many others have the same problem. I found out whilst negotiating to get my property back during it being repossessed, that my pecentage points above base had gone up by 1%. When i queried this,i was told that my mortgage account had been increased by a 1 per cent penalty as i may have rented out my property at some stage. I was incensed as i had never rented out the property. Further more, to add insult to injury this has been going on since sept 2006!I was never told about this or given a chance to refute any such allegation. Is this common? I cant believe that they can do this and get away with it without telling me in advance. this is theft , in my opinion and i want my money back with interest and my new payments to be adjusted. any able solicitors in the house?
..obi, which ‘lender’ is your mortgage with, as LMC(London Mortgage Company), is a trading style name of SPML/SPPL/PML..
which won is it specifically with?, and as you know Capstone(Acenden), are only a servicer of SPML/SPPL/PML. You’re right they are thieves, and have deliberately caused you incur arrears no doubt.
if you can answer, someone will be along to help later.
TMH
obi,sounds like you’ve posted a new scum trick here,if you had rented out your property at some time the simple evidence would be council tax records and/or utility bills in someone elses name.Either claim via a court(expensive and difficult)or better still an FOS complaint,they cannot possibly prove you rented out so it should be a foregone conclusion and a dead simple claim.
The mortgage was originally with London mortgage company. It was then taken over after Lehmans demise, by Security Pacific.
Is FOS reference to the Ombudsman?
obi’ its the same as littledotty27 its southern pacific mortgages limited trading as london mortgage company.Yes reference is the Ombudsman.
sorry , I thought you had to give your real name ive resubmiited without.
This is the first time ive used this site and thought Id see if anyone can help.
I had a mortgage with Southern Pacific Mortgage Company in March 2006 as I bought my council house from the local authority. Due to financial difficulties I voluntarily surrendered the keys back in July 2008.
I have received letters from Direct Legal and now from Scotcall debt collectors. The truth is I can’t see any way of repaying the £38.000 shortfall back to them. I am also being pursued by DMS capitol recoveries for a loan I had secured on the property for £17470.
I am on a debt management plan with Thornton Sheppard Associates, they have advised me to add this debt will involve me paying another £100 pcm to have it included. Even if I did this I would never be free of this debt as I’m 45. I don’t want to declare myself as bankrupt , I don’t really have any assets a[part from my car which is worth a £1000 and I rent my house off a private landlord.
If there is any advice or help I would be most grateful. Kind regards .
Welcome aboard Andy & glad you took my advice to come & join.
Someone will be along shortly to advice you.
Andy
please take care. NEVER PUT YOUR REAL NAME IN THE DIALOGUE BOX, Unless you are happy for your name to appear. Also NEVER use your real email address. Just make one up. It will always accept it.
For example name: JOHN
email. JOHN@JOHN. NET
this would get through….
I’ve been exhausted by numerous activities on the site today and have another busy day tomorrow. I can’t therefore offer you any meaningful advice now. However either someone tonight or myself and others will be posting on this appalling example of the scum’s real operation.
THEY ARE TRULY BEYOND REDEMPTION AND IT MAKES YOU WONDER WHO ELSE IS BEING STIFFED. IF THE CONSUMER HAS NO GOOD REASON TO TRUST THEM….WHO ELSE SHOULD BE CONCERNED?
Andy please believe me bankruptcy is by far your best and easiest course of action.Peeps are frightened to death of the stigma and horror stories of bailiffs etc.this is simply totally unfounded.
You have no assets except a car which if essential for your work and being worth little you can probably keep anyway,you will do one year under the enterprise act as a bankrupt and be free of that lifetime noose around your neck,its honestly so easy today.You can then start again free of all worry.You’re 55k in debt,you’ll never get rid of it,its like having a mortgage on no home,students are going bankrupt today to get rid of student loans.I have personal experience of people who took this step,were free,started again and never looked back again and then it was 3 years,now the process is so much easier and only a year or less.There is honestly nothing whatsoever to fear and your life will not be altered you should in fact be better off.PLEASE ,PLEASE CONSIDER THIS COURSE OTHERWISE YOU ARE TRAPPED FOR LIFE.
HI Guys-
Due to our business collapsing my wife and I went bankrupt in April 2009. Since then life has been a continual struggle to try and make payments so that we can keep our home. We have no value in our home as it was mortgaged to the hilt in order to try and keep our business going.
However we have had problems with CM. We have been late on several occasions and we have had £85 “Arears Managements Fees” added to our account (to which we are also being charged interest on the arrears of over £3 per month!).
I have so far refused to pay the arrears fees- stating on numerous occasions that they are extortionately high. I have even been in discussion with their solicitors (Glenisters) who are claiming their fees are perfectly legal.
I have been on this website previously and I have tried to use some of the information on the site – but they are claiming its wrong! They are stating that SPPL is “entirely separate entity” to Lehman Brothers. I also used your case example of GMAC-RFC and Kensington with regards the charges- they are stating these are
completely separate and have no bearing.
We now have over £600 in charges and they have started repossession proceedings as we also have 2 months arrears outstanding.
They have sent us a statement of our accounts and have even charged us twice in 1 month for “arrears management”.
We have repossession proceedings on the 24th November and would like some assistance. I will be making a payment before the proceedings to get our outstanding payments up to date- but the fees keep stacking up. I have previously contact the FSA- who were useless. I always find consumer groups to be much more helpful.
Thanks
Phil
Phil Have you filed a defence yet…?
If not see this section here…
http://capstoneactiongroup.co.uk/in-court/claims-and-counterclaims/
If you have already filed your defence seek the permission of the court to amend the defence to include a counterclaim
Hopefully other will be along soon to offer more in the way of assistance…
SPPL are slippery though – most of their agreements are what they like to call “unregulated” i.e. over 25k and predating 2007.
not filed as only got the papers this morning. Only got notification from their solicitors- not had anything through from the courts yet!
Hi Phil
OK, understood..
Get onto the solicitors (which one is it?) and tell them you’ll be counterclaiming. Leave it at that. I take it you’ve only fallen into arrears recently?
In the meantime have a good read through this:
http://capstoneactiongroup.co.uk/in-court/winning-in-court/
…and then read through the counterclaim section in my earlier post above. Then get back to us.
Kind regards CAG.
Glenisters solicitors- who are claiming all kinds of nonsense. The last 6 payments have been late- 3 have been paid- we still owe the other payments- but are due to pay them off by the end of next week. But it still leaves us with nearly 900 in arrears- all charges.
Have just been spoken to a mate who is a Financial Advisor- he reckons that they will get kicked out of court- a repo order for £1500 is unlikely when I have other mortgages worth a lot more! Espescially when my house is in negative equity.
Just one other thing- is SPPL a subsiduary of Lehman Brothers (or was it?)
tp
sppl alongside all the others in the group were wholly owned subsidiaries of lehmans .
You either have to make a counterclaim to reclaim charges or get going as soon as possible a complaint to the Financial Services Ombudsman see top menu charges refunds,
This could well prevent any proceedings if you act very quickly,inform their solicitors of what you are doing and why and start it off straight away.There is nothing to stop you doing both.The FOS is a MUST.
I would like to know if the Inland Revenue are aware of Ascendens ******* practices.
I all,
I wrote in in August 2010 to see if others had been accused of renting out their property and then being penalised via interest rate rise. i have put matter to fos but its very slow and i am beginning to lose faith in power of fosto properly resolve the full complaints. i am would like to know if anybody has had a similar experience or and if they can recommend a competent and aggressive solicitor.
I have still got my complaint with the FOS outstanding from July last year. I have since been contacted by the FOS (after getting my MP involved in this case) and have slowly found out that Capstone are playing silly buggers. They have played semantics in claiming that my case is against SPPL rather than SPML. They also state that the FOS have no jurisdiction over a big part of my claim as it has been ruled on by the courts- depsite my arguements that it should never have got to a court situation.
I also got the FSA involved- but they have come back and stated because it is a 2nd mortgage on my property the FSA have no regulatory authority over them- yes that’s right the FINANCIAL SERVICES AUTHORITY have stated they have no jurisdiction over a FINANCIAL SERVICE!!!! WTF is going on?????
I have been passed on by the FSA to the OFT (lots of inititals but no clue!). The whole situation is a complete joke. How can the FSA, who give them their license, not be allowed to regulate those that they give licenses to?? Ridiculous!
I have asked for a clarification on it all. But I reckon that they dont really care!
The FOS guy seems very sympathetic and is doing his best- but Capstone (or Acenden) are doing their very best to take the piss.
I have 4 seperate mortgages with Capstone.
In january of last year , when the mortgage rate changed they failed to transfer all the requests for payment. Consequently one was not requested. Due to their strange coding which bears no respenblance to the mortgage account number it was some time before the error was discovered. When I queried it with my ank I was told that it had not been requested. All the time their was money in my account to cover the costs.
They meanwhile stacked up the charges for late payment etc.
In the summer I changed my bank account. For some reason, instinct?, I sent 2 seperate letters each with the new bank account number and each letter had different mortgage accounts on them. They only activated one letter’s details.
My husband died recently and I am afraid to tell them in case they activate some little known clause in the small print.
I have had to defend 2 repossession orders, one of which came back stating that my husband had been there in person (Ghosts?. I have now been told that one property has been repossessed but so far I cannot find any details of a court action.
FROM SITE EMAIL MAY BE WORTH CONTACTING HER
ALL PUBLICITY IS BAD PUBLICITY FOR OUR HELPING CARING F(R)IENDS IF THE TRUTHS TOLD
HOWS THE SONG GO?
SO BAD THEY HAD TO NAME IT TWICE?
Hello there
A journalist colleague suggested I get in touch with you as I’m looking to talk to people who’ve been, or are being repossessed for a potential magazine feature. Wondered if you’d be able to help?
The piece would take the angle that while the ‘official’ repossession figures may be down there’s still over 30,000 people every year who lose their homes……
The piece I’m looking to do would be for a women’s magazine and feature women who are either in the process of finding their home being repossessed or have experienced it and can talk about the long term effects. Naturally with a feature like this we would need to identify and photograph the people concerned.
Is this something you may be able to help with? If so please let me know and I can give you more details as to the kind of people I’m looking for or please feel free to give me a call.
Many thanks Sue
Sue Hayward
Money, Consumer & Property Broadcaster
Journalist & Author
01582 883416/07711 614805
http://www.suehaywardmedia.com
http://www.twitter.com/suehaywardmedia
Is there a super injunction out on reporting this? I had an approach by a journalist. It all went ahead with gusto, and then was I told that the article had been scrapped. It was such a disappointment.
Could well be Blake,never thought of that,perhaps we should use twitter etc to spread it over the internet and find out as its currently hot news.that may not be as daft as it sounds as the Mail suddenly wrapped up reporting instead of taking their articles to the logical conclusion by roasting the FSA in the light of woeful non regulation despite lesser offenders being fined.
The silence is and has indeed been deafening.No one has been so thoroughly exposed and yet received so little attention from the powers that be.
I too are having problems with Acenden/Capstone/SPMLCompanies. In janaury 2006 I took out a loan with SPML and I suffered a stroke in December 2006 and was in hospital for 2 months, during that time my son informed them of my situation but they took no notice. I am paying £3oo a month and they keep on adding various charges.
There must be something we the public can do to make a stand. We need to organize a peaceful march to parliment and get the goverment to listen to some of the problems we are encourting with these B……S. These white collar thieves are distorying other people’s lives and are getting away with it.
If only…
It is impossible. We organised a number 10 petition. 24 people signed it. In any case the politicians are now in the bankers pockets. That’s how badly wrong our democracy has gone. It was never a perfect democracy because it couldn’t be perfected in any case but now when you see that the people are feed celebrity BS, the media breach criminal law, the politicians fiddle their expenses and the police accept corrupt payments from the media, what kind of democracy are actually living in? And the court will always uphold the interests of the rich. There is no get out clause. There is no justice. And things are only going to get worse. The greedy boat has arrived. It is armed powerful and very hungry. It has virtous institutions already corrupted to the core. There is nothing to stand against it that can or could succeed. We are possibly the last people left who can prevent this onslaught of greed corruption and avarice gaining further traction. But I am now though once an optimist, through experience a pessimist. The bastards will have their day in the sunshine and we, the rest of us, should be better advised to hang on tight for a grim bloody life.
Have just had a converstion to the effect that the media have renewed their interest in this, following a successful case in the courts against the people we love.
Does anyone have any knowledge of this?
Have just sold my property We had a loan with Acenden which we took out in 2009 for 21k I checked the final settlement figure it came in at 21,850.00 so we have paid for the privaliage of the loan 39k I feel the interest is an absolute joke and feel ripped off no wonder people are suffering for other persons greed.
The journo who contacted me said there had been two cases:- one where the FSO ruled that £115 litigation fee was unreasonable and imposed a limit of £50 so she got half her charges back; and another this week where all charges were refunded and a compensation payment made. Seems to be a sea change in FSO.