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Blemain - yet another angry customer


saraho
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I'm another person who has fallen into the trap of taking a loan with Blemain, condensed story below but essentially looking to see if anyone can help with their most recent responses.

 

1) Took a loan in 2007 & fell into arrears, was in court 6/7 times, lost my marriage in part due to harassment from Blemain and last month completed on house sale to prevent repossession.

 

2) submitted a SAR for charges, notes etc which they returned but didn't include underwriting sheet.

 

3) Have already claimed some costs back (still awaiting reply)

 

4) Sent a letter over and above SAR requesting underwriting sheet, citing potential fiduciary breech and quoting Wilson v Hurstanger, as notes showed commission paid to broker (Ocean Finance) but this wasn't explicit in loan agreement.

 

5) Sent two further letters, under CPR 31.16, one requesting underwriting sheet and another requesting evidence of the buildings charges paid by them.

 

6) They have replied to CPR letter re underwriting sheet with a copy loan terms and conditions but no underwriting sheet, stating I need to outline my legal argument for the request and that their legal team contend it may be time barred anyway. Their reply also refers to my letter citing Wilson v Hurstanger and says they will answer this separately (so they obviously know my legal argument).

 

My questions are surely I've already outlined my legal argument and can fiduciary breach be time barred, or are they simply trying to stall me? sorry for the brain dump

Edited by Andyorch
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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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  • 1 month later...
  • 8 months later...

Belated update on this one - I recovered some buildings insurance charges plus late payment charges etc. Not a great deal but enough. Complaint about unfair relationship is on hold due to FCA ruling on Plevin coming into effect at the end of last month. I called Together today for an update and was advised that FCA have given them until August to deal with all existing Plevin complaints but that they hope to conclude these much sooner. Nothing I didn't know already but it is an update of sorts

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