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davidc3

davidc3 - charges upon charges leave me with no money :(

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Hi i real do hope you get them this company has made my life a misery i see no end to the debts that they have burden me with i have very little or no money left in my house as it has all gone up in charges after charges my best wishes to you and your family i wish i new how to do the same fingered crossed

 

my situation is:

 

I have two loans with blemain finance both taken out in may and august of 2006

one loan for £5000 and

one for £6500

both loans are secured on my property and appear to be unregulated by the consumer credit act 1974

 

i have not made any payments on these loans for the last 7 month as i just sort of gave up as the charges and interest are heading in the direction of £10.000.

as well as the my ill health as a direct result of these cowboys i now need to sort my head out and fight these people all the way

 

i am at an early stage in this

 

i have prepared a letter asking for a statements on both account from may 2006 till present i will send this first class recorded on monday

hopfully this should get the ball rolling anyone with any advice i would be very grateful many thanks everyone heads up

Dave:-)

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Hi David

What if I told you I know how to get back your unfair charges with no financial risk and no going to court?

Now when you take control of this you will feel a lot better and think why didn’t I do this earlier, and how come every body isn’t doing this.

The only thing that this will take is some of your time, and the price of some recorded delivery letters.

Now I am willing to tell you how, but what you have to do is research what I tell you and understand what you are doing, nothing annoys me more than people following advice on forums, and not knowing what they are doing.

Now I see this is your first post on here so I am going to give you advice on the assumption that you know nothing about the rules and regulations relating to your agreement, different rules and regulations apply to your loan in regards to how much you borrowed and the date you borrowed it so can you answer the following questions Then I will know what rules apply and how to proceed.

1 The amount you borrowed ?

2 The date of your loan (only month and year not exact date) ?

3 Dose it say the words this agreement is regulated by the consumer credit act 1974 on your loan agreement ?

4 Have blemain ever taken you to court ?

Now as I said this is risk and cost free (you are not going to go to court) but it will cost you a bit of time and effort.

What I post underneath you should read and understand, then ask any questions you may have, and then answer my questions posted above.

 

Now read this

 

 

http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm

 

 

and this

http://www.financial-ombudsman.org.uk/publications/technical_notes/QG6.pdf

 

wp3

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David, you might also want to have a read of the BCOBs articles - highlighted in green - in my signature.

 

Meanwhile I am going to move your post to a thread of its own and you can perhaps tell us a bit more if you want our help and advice. :)


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2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It's always good to see new posters getting a blink of light after being in a long dark tunnel - take sme back to when i first found CAG - and new hope and encouragement. I have hit WP3's star - it's well deserved.

 

BD

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£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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........I have hit WP3's star - it's well deserved.

 

BD

 

ditto


IMO

:-):rant:

 

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Thank you for your info time and links i will move threw these with interest

Davidc3

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Won’t hurt to try one of these

Section 77/78 Request

As prescribed under Section 77/78 of the Consumer Credit Act 1974

To

Name of Lender: BLEMAIN FINANCE LTD

Address of Lender: Bracken House

Charles street

Manchester

Postcode: M1 7BD

We;

Name:

Address

Postcode:

Date

Account/Loan Number:

We instruct you the creditor to supply a copy of the above Credit Agreement (if any), including any document referred to therein and statement of account under the legislation contained within Section 77 and 78 of the Consumer Credit Act 1974. I enclose the statutory fee of £1.00 as required per this request.

NAME (Account Holder 1): D.O.B.:

SIGNATURE: ………………………………………… DATE:

NAME (Account Holder 2): D.O.B.

SIGNATURE: ………………………………………… DATE:

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Thats great have i now got and prepared the section 77/78 will take this in first thing monday along with my £1 i will have them sign for it thanks for the form

davidc3

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do these debts show on your cra file?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi dx i have no idea as i haven't ever asled to see my cra file any reason that you ask.

davidc3

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wellif they dont show

 

then odds on they're statute barred?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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They wont be statue barred, as he was paying them up to 7 months ago

wp

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Hi yes that is true if only it was that easy.

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is the missing word last?

 

then no they wouldn't be sri

read it wrong.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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i have tidied the structure of this thead to make it easier to read.

 

have you sent off an SAR yet

 

that will be your 1st move

unless you already have all the statements.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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I have hand delivered a section 77/78 today had the girl on the front desk sign and print her name

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Im not sure if i have done the right thing does a 77/78 cover me for the information that i need or should i have used a SAR any advice would be helpful

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The answer David is to do both.

G

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