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  1. I have attached a summary of the complaints I have Is it good enough to send or does it need more? letter Melanite.pdf
  2. No I didn't, in 2018 my laptop was unable to download open office. I have attached the ci sheet from 2017, with all the charges listed up to then. StatIntSheet v101 Charges V2.xls
  3. Hello dx I haven't done a cisheet, my old laptop doesn't have enough memory to download the open office. So I am unable to calculate
  4. This thread had been resurrected very kindly by the site team and I am very grateful for any advice that can be given. I wrote to Melanite on 1st September 2018, had a reply on 31st October 2018. They summarised my complaints and responded individually to them, I want to challenge their responses but not sure how to effectively. I have attached my letter to them. Below is a summary of how they responded, I didn't want to make the post too long and drawn out so hopefully this explains Their reply states that the fees have been applied fairly and they do not consider refunding these The things that happened more than six years ago they unfortunately are unable to investigate. They follow rules dealing with complaints set out by FOS and is six years limited and consequently will not consider The charges they reviewed and consider correctly applied They couldn't find any evidence regarding District Judge complaint And the SPO comment I made, they said that they will not comment on Redstone's actions My complaint of the terrible way they handled the redemption was disappointing on their part and they have brought the matter to the attention of the team leader and it won't happen again They offered £25 because they didn't respond to my letter querying the redemption statement letter for CAG.pdf
  5. Had a look at other threads on Redstone, all more or less same as my experience. What a company!! How are they allowed to carry on trading and ripping people off as they do. I will add all charges etc. to spreadsheet and send it to them. With another letter listing all my concerns. FOS have given me a name to send letters to, so that's what I will do
  6. Thanks dx Yes they have charged for insurance, failed direct debits, £50 a month arrears fees, non-existent agents, anything they could think of they added onto the mortgage! But not PPI, I never signed for that. But what is MPPI? Also couldn't find other threads on Redstone, where are they?
  7. I have just redeemed a mortgage with Redstone/Melanite. I tried to get a breakdown of the redemption figure they gave my solicitor, rang them, wrote to them, but they have not broken down the figure. I calculate that it is roughly £2,000 more than it should be. (I have arrears and many charges added). Luckily for me I have been able to pay all that they asked for. The mortgage has been redeemed now but I am not going to let this go. I have written to them five times since 28th August 2018. Not even an acknowledgement of my complaint letters, and no breakdown of the redemption figure. I have contacted FOS and told them the situation, but I have to wait eight weeks for Melanite to respond. They are completely inefficient and I think are not complying with the rules. I definitely can say that they are not open and clear with their dealings with customers. I'm not sure what I expect from this post, but, wanted to get it off my chest anyway!
  8. I too have a mortgage with Redstone/Melanite, haven't had a letter saying I've been overcharged. I have been trying to get them to reconsider the nearly £7,000 of charges that have been added to my mortgage over the last ten years. The response I get from them is that I signed the mortgage agreement and so they are justified in charging me. I must have written to them four or five times over the past few years, when I became aware of the link Andyorch posted.
  9. I would like to be a able to prove that the loan was 'Unlawful', it was so badly managed and they charged me thousands in charges etc. So the total figure (if I could manage to prove so) would be over £10,000
  10. Hello Dx If I do pursue this through the court, and as you say I can argue my case. But, what frightens me is if I lose, the court charges will be my responsibility and they could be massive. So, I feel that I am stuck I have all the statements and paperwork I need to calculate how much I have been ripped off for
  11. I wrote asking them to tell me how much they paid the broker Freedom Finance. That's what they said wasn't available because of Data Protection. My claim has stopped because of six year time limit. I repaid the loan in 2007. Thought there maybe a chance with commission paid to broker.
  12. Well, I did think that they do have the paperwork. Because I received a reply to my SAR not too long ago. But I'm still at a loss as to how to proceed from here. Would it be worth contacting FSA? I am not sure they will help me, not really in their remit I expect.
  13. Had a reply from Blemain, letter says that they do not keep documents over six years because of Data Protection law. So, I do not have any hope. Although I do have many of the letters they sent to me. Reading through another thread someone mentioned that the FSA fined Blemain for mishandling accounts from 2004 to 2009. This is the period when I had my loan with them. The fact that they were fined for their actions during this period, I may be able to use this to my advantage. Not sure how I can use this, or who I can appeal to, court maybe?
  14. Because the issue is statute barred, I have been to a solicitor who specialises in consumer law. Solicitor has written letter for me to send. So ongoing! ! When I get a reply I will post on here.
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