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Clueless76

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About Clueless76

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  1. Hi all, I've been to CAB and it wasn't was good as I'd hoped, they weren't even aware of SAR's. I'm going to be submitting that this week and have the template (below) if anyone could advise if it's ok and needs amending before I send I would be grateful for input. I have spoken with the fscs today regarding mis selling by compass but they're unable to help as they are only taking complaints re compass for ppi and 1st charge. Compass went into default so if anyone knows if there is anywhere to turn in claiming against the mis selling I would be grateful for s
  2. Thanks for the update suffering, hope his nightmare with them is over now! Did you have problems with them to, if so how did/are you getting on? I've started a thread as I'm about to take them on and to be honest, im dreading it!
  3. Hi theolderouge, thank you for taking the time to go through this, I really appreciate it. I will write down your points and take them with me this week! I have read through a lot of threads re Blemain with interest yet when it gets to a crucial point and an outcome, they disappear of the radar so it's very difficult to see what the outcome was to offer others some hope! I for sure will be checking in regularly with updates and outcomes. It seems that if I am eligible to claim for mis selling where the broker is concerned, it's going to be a struggle as they no
  4. Hi, looking at the docs I have there's only the one copy of the actual agreement yet I have multiple copies on the FC one. I kept everything together in the file from the broker. The FC one had a post it note on it saying "your copies" but there's only the one blemain one so I'm guessing the answer is no as I'd have kept it. Hope this helps
  5. Ok thanks for that, I will have to dig through my pile of letters they send me, will be able to give more information when I get the SAR back which I will be posting on Thursday following my appointment with CAB. As for the funding corporation, I had a car on finance with them back in 2004, due to job changes, gaps in employment etc I fell into arrears, I did pay them (long gone now) but during that time, I received a call from someone saying they were from the FC and cound give me a loan, this leads me to believe that they sold my details to the broker to prey
  6. Ok, here is doc 5 and 7 which have now been amended to remove my schoolgirl errors Im a bit dim when it comes to this, what do you mean by "Could you please list the actual amounts and description of the charges eg an example of each different charge"? Are we talking a financial charge or the charge over the property?
  7. Ahh crap, its down now...sorry, I won't make it as a proof reader will I. Going to amend the 2 docs and re attach...
  8. Good point! I have read about them not supplying everything and then being reported to ico and them not doing anything...it worries me :/
  9. ill be requesting the SAR this week, had a read through the template on here, will probably add some extra bits in to make sure they don't misinterpret what I'm going to be asking for, especially when it comes to contact with the broker! I've read all 25 pages of welshpersons dealings with them, wonder what happened in the end? If there's one thing I picked up from that is its that BF like to fight dirty!
  10. It's now removed. I agree with you on the mis selling, there's a few differences between the proposal and what I actually got, main ones being length of the loan, monthly repayments, and the fact the first one seems to be fixed and the actual one being variable as there's no total amount repayable. The mis selling claim will be tough one though as the broker is no more I'm keen to scrutinise the actual agreement and hope I can get them on unfair charges and unfair relationship, I owe more than I borrowed 9 years into the 12 year agreement!
  11. Its all gone quiet on this front, I spoke to the bailiff and he was adamant that I either had to pay up or pay to set aside, told him I would have a think about it and call him back. That was 2 weeks ago, I haven't called and neither has he which I find unusual because these people are usually relentless! I received a response back from Lowell along with the £1 PO I sent they stated they weren't handling the account and it was fredrickson, I told them it was their name on the court letter so they had a duty to supply the info, instead they said i
  12. Sorry, Im a complete novice and did this from work...are they no good?
  13. Ok here are the last 2 docs. These are all numbered and named, hope this makes sense: 1, this is the details of the broker who arranged the loan (I have tried their tel no's and they are dead numbers) it also seems that they ceased trading, I checked this with companies house. Not a great start for my claim to mis selling 2, Contact authority sheet, I notice that the broker name is different, upon checking it seems they are also no longer trading. 3, Broker proposal, this is the carbon copy sheet completed by the broker to illustrate the loan 4, Proposed credit ag
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