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Jellie

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About Jellie

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  1. i calculated it myself with your lovely tool , but then filled it in from their site saying what i thought it should be it isnt much but it is something
  2. That is an idea i will check , have just filed for ppi from an old capital one card today and found monarch letters and a totally different agreement from blemain with a different apr and broker fee on which i wrote copy on as i received it as a copy after signing another...
  3. Okay just popping them into separate ones now thank you wouldn't they ask for proof i had mine , not sure i even have them that far back as i get whoever is cheapest and still good value each year, and through one of the sites or quidco if i get something else back!
  4. I have downloaded the sheet i started a new thread as it didnt show me this one on my kindle but now i have a pc and i can see this , can i add the buildings insurances on top? and if anyone can check them for me as the buggers seem to be charging interest on everything , allthough it is variable they say they never vary the interest as they don't have to and are not obliged to as it is a business decision, not anyone elses can i claim the buildings insurances back as one from 2008 they charged me for @ £661.50 had got added interest on top of £1,659.69! instructions of agents i think was monarch..£250 with £607.27 interest on top of that also to date? are these to be added also but the interest auto adds on that sheet? there is buildings insurance and buildings block policy charges each time too? what do they mean? i included everything on their sheet which came to more totalled up than was o their sheet and had discrepencies as well! CLAIM CALCULATION Total of Charges £6,956.80 Compound Interest £10,659.47 Total £17,616.27 the loan was for 12k...in 2008.... @13.9 % It is a second charge loan with variable interest and as i read a LOT of posts i also have the never went down as they said its privately funded to me or something lol.... also had my own insurances they say never received and also ge money had it covered too as well... will be dealing with them next! but surely one insurance writes off the other?. ..so i cant have three policies for the same house? the underwriting list isnt for my eyes they said i have no right to see this now so the other things on there are the broker fee £1,500 solicitor fee £100 Title insurance £175.00 Loan processing fee £545 Im guessing i don't add them
  5. I really need some help fighting blemain i made my own post thread actually couldn't find it and made another a while later, but not had any advice is anyone able to help me so i don't sit reading this thread like some fave movie repeatedly until i go insane ! http://www.consumeractiongroup.co.uk/forum/showthread.php?470043-Blemain-charges-i-found-the-other-day-almost-killed-me-with-shock-Please-can-anyone-advise
  6. If soemone can look at this i have downloaded the original loan document which doesnt make sense when calculating and all the blergh on it i also have calculated the charges but could do with a hand with buildings insurance charges and a few other random things on there before i finish it off, is anyone able to help please Here are most of the charges do i add the buildings ones on as well?, ones about £900 in total! I have popped them in the spreadsheet and saved it for now need a few recent ones added which are now 50-100 a month monthly arrears penalty charge £50.00 monthly arrears penalty charge £50.00 monthly arrears penalty charge £50.00 monthly arrears penalty charge £50.00 monthly arrears penalty charge £50.00 monthly arrears penalty charge £50.00 monthly arrears penalty charge £50.00 monthly arrears penalty charge £50.00 monthly arrears penalty charge £50.00 monthly arrears penalty charge £46.00 monthly arrears penalty charge £46.00 monthly arrears penalty charge £46.00 monthly arrears penalty charge £46.00 monthly arrears penalty charge £46.00 monthly arrears penalty charge £46.00 monthly arrears penalty charge £42.00 visit costs £100.00 monthly arrears penalty charge £42.00 monthly arrears penalty charge £42.00 monthly arrears penalty charge £42.00 monthly arrears penalty charge £42.00 monthly arrears penalty charge £42.00 monthly arrears penalty charge £42.00 monthly arrears penalty charge £42.00 monthly arrears penalty charge £42.00 monthly arrears penalty charge £42.00 monthly arrears penalty charge £33.00 monthly arrears penalty charge £33.00 monthly arrears penalty charge £33.00 monthly arrears penalty charge £33.00 monthly arrears penalty charge £33.00 monthly arrears penalty charge £33.00 monthly arrears penalty charge £33.00 standard computerised letter charge £35.00 standard computerised letter charge £35.00 telephone call £35.00 telephone call £35.00 professional costs £86.25 telephone call £35.00 telephone call £35.00 standard computerised letter charge £35.00 standard computerised letter charge £35.00 standard computerised letter charge £35.00 standard computerised letter charge £35.00 visit costs £110.00 standard computerised letter charge £35.00 standard computerised letter charge £35.00 standard computerised letter charge £35.00 standard computerised letter charge £35.00 standard computerised letter charge £35.00 telephone call £35.00 standard computerised letter charge £35.00 telephone call £35.00 standard computerised letter charge £35.00 telephone call £35.00 telephone call £35.00 telephone call £35.00 standard computerised letter charge £35.25 standard computerised letter charge £30.00 standard computerised letter charge £30.00 telephone call £30.00 dishonoured receipt charge £35.00 collections instructions to monarch who are blemain / cheshire £250.00
  7. Firstly I definately need some help, I accept things got in a mess but My daughter was suddenly diagnosed with chronic pain syndrome at the beginning of this loan and i have only just removed my head from my bottom now she is 20 and more independent. My father died , my mother got cancer went in a home and died and this is the first year i have been able to pull 20 boxes of paperwork out and question things. I am a single mum so there is little time to do financial things when there is washing and hoovering ! I copied someone elses post and filled it with my stuff i hope this was okay as it was very similar. I took out a Blemain finance loan on the 26/03/2008 for £15,208.15 , secured against my property (it was actually a refinancing of a previous loan with swift loans or something) . The interest on the loan was 13.9% - it said variable which it never is APR 20.1 I got the information from them today and i have a break down off all the charges. Through out the loan I did have money problems, looking at the breakdown of my account there is quite a number of late payments. Over the period of the loan I've been charged for: Letters = £30 - £35 collection telephone £30.00 telephone charge £35.00 instruction of agents £250 Visit = £100 Monthly charge - arrears = £33 - £46 Professional cost £86.00 court preparation fee £190 court hearing fee £215.00 Dishonoured Receipt = £30 - £35 Default Notice = £50 Buildings Insurance = £661 - £30 Buildings Insurance Block policy Charge = £16 legal costs = £282 These add up to day in a letter from them to a whopping £15,223.18 to todate the balance to date including this is £20,219.13 in total so my loan has 5k left to pay and the other 15k which is more than i first borrowed is their charges I am about to loose my job so this really needs looking at They say the charges are not regulated so they cannot refund them I did get close to getting the house repossessed twice during this time the second time their solicitor did not even turn up, they still taunt me with the we have a suspended posession order blah blah from years ago pay now or else Some of the above were charged multiple of times, others just a few, plus there was a Broker fee at the start for £1,500 that company flexi loans no longer exist What can i do the fsa and ombudsman said not them? Any advice would be grateful They have written back and would be prepared to refund 71.53 interest, £350 management fees, which is £421.53 including interest and an old offer i never saw the final outcome of of £722.00 plus associated interest which they did not enlighten me what that is. ..i really think 2k back off 15k charges is horrid and id have to re loan this at the end and start again or use all of my pension due in 3 years to pay them. I also asked for the underwriting document today re any hidden commissions etc, as this came from flexi loans who are no more , together say they had to put me on a list while they await the outcome of a ruling whether people can have this information or not....
  8. I have taken that information off the statements which they actually sent free there was some miscalculation as well somewhere and i think they were to refund to the account but i need to dig that out and see if they ever did that, or that may have been ge money....who is my main mortgage and actually not as bad their penaltys are less thatn 5k on an 85k mortgage so in compartison where blemain penaltys are more than i borrowed..... Thank you for your replies , so what do i do now.......they also bully me threatening me with the fact they can reposess anytime they like as ive been in court three times them trying to do that and they failed as i managed to sell enough to get the arrears up to date each time...and once they did it wrong too! nut anytime they talk to me they say do you know we can reposess this with no real notice anytime now so you have to adhere to payments and you do not have any chances left so now they say i have to stick to this or they will not negotiate again....-_- this made me so sick with worry all the time Save
  9. ohh thank you ...yes i am, they will NOT be taking me out in a hurry , as they also know i had to home school my daughter = no wages 4 years , mother was dying of cancer = no wages 6 months , i had 2 biopsy's so some time off work then i had cellulitis so been off a year...now i have a new job friday so i'm back to battling for fairness and i am not paying those ...if i have to pay it off in 3 years and send a registered letter to say this is for the mortgage only outstanding see you in court for the rest i will!
  10. Hello I am hoping for advice as after finiding this the other day when i asked how much i owe it has threatend to consume me now and will leave me with no pension. loan started in 2008 shortly after i had a child with a disabling condition and work was not to be i had enormous arrears and they have taken a warrant out 3/4 times to try take the house the fees are as follows collections telephone charges @ 30.00 - 50.00 a time letters @ 35.00 a time collection instruction 250.00 buildings insurance £791.00/362/510/600/170/150/165/80/80/78,,,,this varied so much and for the most i had sent in a copy ...of my own plus ge money also do this so im triple covered... professional fees £86.25 dishonoured receipts @ 35.00 each court hearing fee £215 court fee £150 Posession proceedings £130 court preparation fee £190 collection visit £110 telephone collections £35 a time hmpg £110 monthly charge arrears @42.00 monthly charge arrears @46 visit cost £100 posession warrant 18.00 legal costs 120legal costs 230 warrant for reposession again 16.00 legal costs 230.00 arrears charges are now £50 these all come to the grand total of £6562.59 I have paid them to date £18,621.54 in payments start of loan was £12k @ 13.9% settlement figure is £21,276.78 today (of which i was told but they did not put down £7k is the actual amount left without the charges....) i think they said 144 months left of agony to go..... I cannot be tied to these unhelpfull liars for another ten years who every month remind me they can get a posession order tomorrow ...and tomorrow...and tomorrow ...i have been sick ive had to home school my youngest then had my mum have cancer and die...this is now breaking me can anyone help please i need to sort this out to stop them bullying me? Thank you
  11. Thank-you ill go sleep now and get the van moved in the morning somewhere else where they wont ever find it just to annoy her if she turns up...the local kids have a pic i showed them of her and her car and i said id give them 50p poer hit with the supersoaker should they see her about the neighbourhood again ! Thank-You!!! lets see what tomorrow brings I have been restoring this van for a while now you cannot realisticly accept someone would give up that which is worth 8k for a 320 debt without a fight...not in my name and ive a friend who owns it for me so it cannot be removed and allows me to use it as a work vehicle in return for camping out with them weekends at shows ...very good friendship and should they question that then they cannot remove something i use for work can they i do garden design i usually carry the mowers and tools in it as well :O not got the registration docs in my name and i have a reciept selling it to my friend from march when i started my gardening business am a single mum had domestic violence and were also classed as vulnerable...so plenty to say but where to start!
  12. hello today a woman from bristow and sutor called round- a very grumpy impatient woamn, i didnt see her - she sneaked to my house where my 14 yr old was sat in the front luckily with a loud dog of a friends in the garden she started asking wheres your mum not here my daughter told her then she said is that her over with the campervan my daughter said yes but before she came to talk to me she gave her the third degree questions on what i owned and where it was and stuff came over to me i told her its not my van im working on it she asked me if the man with me was with me lol.. .he said to me why didnt she ask me ...!!! the short of it is i said id speak to her but she would have to wait 2 minutes while i finished what i was doing she grew very bad tempered next thing is she had given my daughter a notice of seizure of goods listing this campervan the bill to the council of £320 levy fee 24.00 redemption of goods 24.50 total 378.50 it says 5 days to pay or they take this which i use for my gardening work and a room for my daughter to use while i work if shes with me... and isnt registered in my name or anything..... i have not signed anything nor will the van be here tomorrow in fact it wont be anywhere she can find it unless she does a tour of europe lol... so where do i stand i havent had a notice off them to attend she clearly questioned my daughter the inventory of seized goods lists something she cant take she hasnt siezed it, it says she requests all documents and keys be handed over and i request they be held for a minimum of 5 days until a suitable sale can be arranged and its not signed... the van incidently i would estimate as worth 8k lol... are they kidding need some advice how to deal with this horrible woman if she returns tomorrow as they are on a 48 hour loop bristow and sutor told me and she may return tomorrow..... .thanks for any advice in advance
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