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Everything posted by marco23

  1. hi again to all,not been here for a while, anyway here goes- I have two accounts with Blemaine Finance/ Together, both accounts are serviced up to date however i have had charges applied when i lost my job around 7 years ago, i have been chipping away at these over the years to stop the interest mounting up, i want to look at reclaiming the charges 'if that's possible' the charges are described as follows- Multiple letters at £35.00 Dishonoured receipt charge £35.00 Cancellation of building insurance £75 Building insurance block policy charge £30 Building insurance £30 Monthly arrears charge £33 Letter £35 Visit £100 These are not one offs except the visit, Total combined charges just about fall short of £3k. if anyone could point me in the right direction as regards to reclaiming it would be most appreciated thanks to you all
  2. 100% def on behalf of wonga
  3. thank you, i sent them a brief email just before you posted saying i dont recognise the debt and do not email/write/phone or text me, i have also removed their implied right to access of my property should they get brave and send a collector round, and to send the debt back to source or issue a county court summons where i will counter sue for inproper lending practises.
  4. The DCA letter is just one of the normal first time contact letters, ''we have been instructed by Wonga to collect etc ect''
  5. Hi again to all on the forum Going back around 4 years ago when i was at rock bottom 'well finacially' i stupidly borrowed £500 off Wonga, it was rolling loan over a period of months, i would borrow and pay back on time and re borrow almost the same day etc etc. This went on until i received a letter from Wonga saying that they had reviewed their lending criateria and i would not have qualified for a loan under their new regulations, I do believe that at the time they wrote off many loans however in my case and as many others they cancelled all the interest as a goodwill gesture which left the origianol loan to pay back. At the time i wrote a letter to Wonga saying they were reckless and broke the lending conduct that they should adhere to (i now it sounds a little silly but i was hoping for a letter back simply saying 'ok we will drop the lot and cancel out the loan) this didnt happen it went dead for 4 years untill yesterday when a letter hit the matt from BPO Collections. Can anyone assist with any form of advice here, Should i make an token offer of repayment with BPO Collections or should i continue with my complaint that they should not really have lent the money out (which they new full well at the time) and therefore are not receiving a penny back?
  6. many thanks for the replies guys, they must be collecting it on behalf of M&S, the account was opened around 2007, trouble is the default is within 12 months of dropping of her credit file so she obviously doesnt want a CCJ at this stage, probably better to send the letter asking to see the loan agreement ? but i would have thought M&S credit card services would have this on file anyway or am i missing somthing here?
  7. hi all i am writting this on behalf of my wife, she had a large debt with marks & spencer credit card just over £9000, she defaulted on payments and the debt was sold on to Moorcroft who aranged a repayment plan with her of £5 per month, all has been well for two years and now they want her to complete an expenditure form, i emailed them back saying they have no legal right to demand this and will not submit the inforation requested. the online payment facility keeps taking her to the expenditure form page and wont take the payment, their is no CCJ on the account,where does she go from here ? thanks in advance
  8. i was going to ask the other day but forgot- these secured loans, can anyone explain to me how they work, i mean the repayment shedule,,with Blemaine does the balance not really start to come down until half way through the term
  9. OK, tomorrow i am going to pay a lump sum into each account this will reduce the loan balance and put the loan back on course for ending in ten years,,i have printed out the SAR form and this will be posted tomorrow. is that all i need to do for now???
  10. I'm just at a complete loss now and i'm drained and feel that im in a corner. this is/was my intention, the two secured loans have no arrears as they are paid off all thats remaining is the charges which are picking up interest because of this the loan has been set back and wont finish when due to, so i was going to make a lump payment into each account at least this will bring the accounts back to order and then they will finish on time, i can then tackle the charges re claim and anything back is a bonus. is this not the best way to do it as without the lump payments going in from me im simply just clearing interest?
  11. but they cant send me a repossession letter as i'm not in arrears???? i only owe the charges i paid the arrears off
  12. TBH im getting so confused, on here people say send a SAR to Blemaine and the FOS have said no need to send a SAR because they can make Blemaine surrender all the charges information?
  13. i can only thank you so much for your advice you have been very helpful, ,,i simply want my two accounts back in order and to finish on the date they expire Blemain can never touch me or have any hold on me, and i was thinking of paying in 3k on each account ,this will bring them back in order then any charges i get back would be a bonus if you get my drift??
  14. these charges have had a knock on effect on the account, with the charges added im getting nowhere as its swallowed up in interest and im scarred my loan will run its time and not be paid off
  15. ok so i have x amount of charges added,would it be better if i made a large payment to blemaine to at least bring the account back to what it should be and continue persuing the charges
  16. so what happens if someone has charges and they just accept it, eventually the loan period expires and there will be a shortfall, is this when Blemaine take you house or do they extend the period
  17. loads of reply's here so thank you to you to you all, i think things are becoming more clear as it all unravels itself, i was told by Blemain the charges are separate however they are not they are included in the total amount on the accounts and attract interest as your loan does, the only thing is if you want to clear the charges you have to phone them up and request that, a payment online comes off the balance and the charges remain unaffected, i have now got the SAR paperwork but however previous to me coming here i had contacted the FOS and they have asked me to go through them he said at the FOS he can get all the info on the charges that a SAR would get me, so which way is best ?
  18. well done releaseusall,, could you point me in the right direction for a template letter for the SAR as i will send it ASAP ,im sure ive seen one on here and when you want it you cant find it ,,any other advice on how you proceeded would be welcome
  19. many thanks for all your replies, during the last conversation with them they told me the charges don't show on your account balance and if i want to reduce the charges i have to ring them, if i make a payment online it does noes not come off the charges 'this is prop why im getting a default every 3 months' i will send them a SAR for both accounts and follow up. many thanks to all who have had an inputim going to find what paperwork i can over the weekend, it does not add up to me-why did she tell me the charges are separate from the balance of my accounts, and if they are where are they hiding, all very strange, as i posted above i will now do a SAR on both accounts, and then get back on here, have you any idea of the success rate for claiming back these charges?
  20. hi renegadeimp its ok at in cos i checked the persons post seems fine, you must realise that wolves really are people unhappy who think mainly of money, greed, themselves and they dont keep to rules, i suspect on my case one of the wolves was in a situation and didnt know what to do , scared and so im not blaming them i questioning why BLEMAIN have their own (rule book) so if a wolf was trying to worrying me about my heavy evidence they need not fear. Its Blemain responsable for all these loans unenforceable. They should do checks and act more sensible with these loans that need closure. As for their manners that is very very wrong indeed and the staff who have been constant nasty should never have been allowed to talk to customers that way and dictate to us, as it shows staff just did and do what they want especially collection section. It has only been in last year blemain got proper SUPPORT TEAM seperate from collection section, but i still sense at least 2 staff on this support side are from collection section, cos they speak with a nasty bite. Only recently i was took from collections to support team and i reported constant abuse from collections and from then on i had to report every time i rang and got collections first and they had to put me through to support team and they still rude until support team made them straight away put me through not have a go. Awful yrs of collections team speaking negitive things over me and threats and jokes played on me one joke for a month and games and we ring you back in 2 days so you stress whole 2 days not knowing what they do? regulary that was done to me. I just want release now and forget after see it as rotten chapter in my life etc. i would like to say weldone for marco coming on here ) its a brave step but now you have done it uou will feel better) more need to come on here with their storys for yrs 2004 to 2010 and brave it cos they done nothing wrong dont hide come out and be HEARD and set free from blemain. You derserve it
  21. hi all, i am in a bit of a panic with this lot and hoped someone can tell me how Blemain function with there charges, ,i have two secured loan accounts around 4 years ago i fell behind with payments, i have since cleared this up however it has left me with charges of £1000 on each account which are collecting interest. i phoned them today because at minimum i really need to cover the interest at least to stop them increasing, if i make a normal payment via online it wont come off the charges it comes off the account balance, this was said today over the phone, i have to make a phone payment and request it comes off the charges, i ask on here where are the charges if there not on my account balance do they make a sub account for them? i would be most greatfull of any help with this, one more thing, is it worth going to the FOS to try and get them to dump these charges i have had to post an update to my post, i have spoken to blemain today and my charges are separate from my main accounts and have arranged to at least cover the interest on the £2000 by paying something in monthly, that's no problem and my accounts are maintained however the loan balances on the two accounts have hardly come down over the last 6 years and i nearly owe as much as when i started off, ,,why is this when i paid the arrears off and the charges are separated from the balance, ,,im at my wits end and its making me ill if anyone can assist with any thoughts please do so as i dont know what to do thanks in advance
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