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Blemain say I owe them Money - Can I reclaim charges


mrmickey
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Blemain say I owe them £2946. I have had the loan secured against my house since 2007. They keep sending me letters requesting payment. I'm unable to pay the full amount so I'm wondering if there is anything I can do to setup a payment plan or to even get some of the charges removed

 

They used to charge you when there was no money in the bank. My money used to go in Friday afternoon, and they always tried to take it in the morning. They also used to take it out before bank holiday etc

 

they charged me for that, and they also charged me for every letter they have sent. Any idea what the next step is?

 

Been paying them £ 10 a month for a while, and I'm on a minimum wage.

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you need to contact them and ask for a full and clear breakdown of all the charges / fees and interest, that have been added to your account as this company have a bad record for loading accounts up with unfair charges, and part of the blemain group was fined £1.25 million by the FSA along with its cheif executive Henry Moser

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Sar time

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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£10 po

 

 

sign the sar by hand

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Will do, is there a special address in which blemain uses for this?

 

I will send it tomorrow. Can anyone explain what next step of process is after SAR, and if they have indeed added on charges etc

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you find them on the statements

and get them back.

 

 

read a few other threads too

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

There insurance [problem] I've paid my contractual payments but they still want 4.5k more for there buildings insurance I did contact Ombusmen but I was out of time for the complaint but they tried anyway and have now found no wrong doings and closed it

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start a new thread

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Is the 40 days up yet?

 

DX

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

sorry to hijack my own thread in the middle of a discussion. They have not responded, it has been over 40 days, it has not been over 40 working days though I do not think. In either case, what would the next step be if they do not respond?

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you have your thread back MM

 

 

ICO time then

give them a ring

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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penalty charges

demand and needs sheet

 

 

letters/arrears/visit fees

any insurance compulsory or otherwise?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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pop each one on a new row in this

put there int rate in cell d15

 

 

CISheet v101.xls

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have worked out I have made a total payment of £11,027 for a loan that should of cost me £8,809, which is insane. They still say I owe them more

 

I have a balance breakdown report, and the rest of it is just correspondence back and forth over the years. I notice that they charge for interest charge separately ( 14.40 ) in the spreadsheet, how should I calculate this?

 

They also charge for dishonoured receipt, letter, telephone charge, £30 a time too

Edited by mrmickey
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Someone correct me if i am wrong but they are not allowed to profit from charges they can only charge what it costs them so the onus is on them to prove that the costs are actual true costs, a phone call to the FCA should clear it up

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yes and yes

 

 

p'haps you need to use the statint sheet

 

 

but they cannot profit

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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