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mmd

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About mmd

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  1. So, instead of supplying a SAR within 40 days, they have instead sent a letter threatening litigation if I don't pay their redemption figure within 14 days - complete with yet another random 'final' figure that I've never seen before.
  2. thankyou suffering, this is really helpful and I appreciate it
  3. thankyou for your advice suffering, I will avoid any future calls as I've learnt the hard way with phone calls to them in the past. everything will be in writing. Is there a CAG template letter anywhere here that I could adapt and send? Hello MaDeHall, Thanks for reading this sorry plight! Here's what I can tell you... No, I was not with Blemain before the second charge. My main mortgage is with a proper building society. So I guess your other questions don't apply? The whole thing has been an extremely stressful, confusing & ridiculously expensive mess from start to finish.
  4. thank you dx, I was dreading that having to talk to them would be the next step great, thank you. I'll let you know what happens
  5. As I sort of expected, no SAR has been supplied within the correct time. Does anyone have any advice on what to do next?
  6. hi suffering thanks for taking the time to read and reply! I'm still awaiting the SAR - still a while to go yet. I used to be terrified of this bunch as things always seemed to be on their terms....but not anymore! Can I request a full and understandable account statement from them whilst still waiting for the SAR?
  7. I've received another Loan Past Term letter, this time stating a completely different outstanding balance to the one mentioned in their previous letter! I despise these clowns. I'm still awaiting SAR response and will update if/when anything happens.
  8. The SAR is on its way ... 40 days and counting...
  9. s I've been fobbed off with that in the past too. OK, I'll let you know how I get on with SAR in the meantime!
  10. I called tham a few months ago disputing the same point and they of course have NO record whatsoever of my buildings insurance anywhere even though they specifically asked for it to approve the loan in the first place. Would this be something the SAR would reveal? I will call my original insurers and try to locate some evidence.
  11. hi dx, thankyou for replying. yes I had to pay for their additional insurances despite of course having my own buildings insurances etc at exhorbitant costs. I have a recent breakdown of their charges dating from 2007-2010 which I requested a few months ago knowing that the loan was coming to an end. Not sure why they did not supply charges from 2010-2017? But they seem to make up their own rules from day to day don't they? I have entered the charges I have to date into the CAG CIS Excel spreadsheet - their costs and interest charges are totally inconsistent and are hard to make sense of. Intentional I would imagine. I'm not going to make another payment to them. I need to see the SAR results first. I'm hunting for my original loan agreement at the moment.
  12. Hi everyone, I'm new on the CAG Forum but was directed here by the good folks at MSE. I have long suffered at the hands of Blemain/Together. I foolishly applied for a second charge loan over a decade ago. It has been the (most expensive) bane of my life ever since. I recently received a letter from Together stating that my original loan has now past its term. It says, As you will be aware, your account with us has now reached the end of the original contractual term. As your monthly repayments have not been sufficient to fully repay the balance, the outstanding amount is now due. This may be due to late payments, payments being missed or the application of admin costs to the loan I am requesting SAR from them as I have a feeling that most of the outstanding balance is entirely made up of outrageous charges. I've also been advised to look into an "unfair relationship" with them but I'm a little unsure where to start. The outstanding amount is approx £11k! How can this even be possible when I have paid almost £100k over the past 10 years?!!! Is repossession an option at this stage? They have already attempted a repo a few years ago when I missed some payments. I went to court and duly arranged a repayment plan to clear the arrears. The account has been in good order ever since. Does anyone have any advice on how to deal with this shady bunch? Any help would be greatly appreciated!
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