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Hello to everyone and I wonder if you can give me some advice please.

 

We took out a loan with Blemain finance in 2007 for £20,000 to finish our house renovation.

 

We have been paying it for the last 7 years and when

 

I received a statement form them it says we owe £27,000.

 

I have worked it out that we have paid over £20,000 to them already

so i am puzzled as to how we can still owe this much.

 

Any help mill be greatly appreciated.

Regards

John

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join the club mate I took a loan out for £105k paid back over £160k and still owe over £100k I been to all the relevant authorities and even had some solicitors on the case but been 8 years still no luck!

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depends how the agreement is written.

 

and how the interest is charged.

 

you'd have to scan them up

 

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, DCA;s would collapse overnight.

 

 

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Hi John,

blemain are experts in adding costs to accounts,

 

your statement which you say you have may not actually show your charges which have been applied to the account,

only the payments you have made and where payments were due and missed if any and

 

then a running outstanding balance figure which includes any charges you have incurred.

 

im sure on that statement it will tell you what i have just said and then it will go on by saying if you wish to know of any charges

and interest that may be accruing on your account then you should contact us.

 

Call them and ask for the "list of costs and charges" which they will send to you separately.

 

It would be advisable for you to send them a SAR and a CCA request in the meantime as it will save time later.

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Many Thanks,

I will do this 1st thing Monday morning.

I have been reading horror stories about this company and I think I will have a battle on my hands to have them treat me fairly.

Apparently the capital in coming down by approx £20 a month but the interest on fees is going up by £43 a month :(

I'll let you know how I get on and would be grateful of advice as to the next stage.

Kindest regards and thank again

John

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Depending on the fees you could reclaim them. Especially any insurances.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Happy to help where i can, keep us posted.

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Ty I will def keep you all posted.

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Blemain / Lancashire Mortgage Corporation, one horror story after another, something needs to be done to stop these rip off merchants

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Blemain / Lancashire Mortgage Corporation, one horror story after another, something needs to be done to stop these rip off merchants

 

 

 

https://www.change.org/en-GB/petitions/blemain-finance-harpmanor-limitied-and-cheshire-mortgages-stop-repossessions-unfair-relationships-and-extorionate-charges

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it would be better if the last two posters

 

started a new thread

 

of your own.

 

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, DCA;s would collapse overnight.

 

 

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They con people out of money by first adding charges i.e insurance late payment fees letters and anything they can make up, then you are charged interest on top ask for a full and thorough break down of all fees, charges, interest. you may even find that the payments they told you to pay were never enough to pay off the loan. This company is as bad as it gets (1.25 million fine in Dec 2012 by FSA for poor treatment to its customers and yet they boast awards for being such a good company (good for dodgy, could'nt care less about there clients, brokers)

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Hi everyone, I have received a letter from Blemain finance offering to reimburse me £1300 off the loan account. This doesnt seem like anywhere near enough and I wondered if anyone know what i should do next?

Thank you and look forward to your advice.

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At a guess £1300 relates to one of the many charges and possibly the most obvious one that a professional would pick up. have you seen a full break down of your costs and charges. one thing for sure it will certainly be an under payment

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Hi,

 

 

 

 

my mam took a loan out of £4,00 and then upped it to £12,00 and

 

 

my dad did not know about this until my mam died he was not happy,

 

 

altogether with what they paid back over 20 yrs at £400 a month was astonishing.

 

 

When we contacted Blemain finance and asked them to send copies of the loan agreement

they said they would but never did.

 

 

We phoned on several occasions and asked if their was ppi on it they said no.

 

 

What a horrible company.

 

 

I will let yous work out how much they paid back as I feel sick when I think about it.

 

 

I feel sick to my stomach for all of you people who are still struggling.

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sar time then

 

 

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, DCA;s would collapse overnight.

 

 

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my mam took a loan out of £4,00 and then upped it to £12,00 and

 

my dad did not know about this until my mam died he was not happy,

 

 

If it's a secured loan either:

 

a) The property is in your mother's name only

b) Your mother forged your father's signature

c) The lender hasn't followed the law and there could be scope for a challenge to the validity of the agreement.

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My dad has since died but my mam had never told him of the loan, she was good at signing forms in his name as he had parkinsons and shook a lot with this. The loan has now been paid of for about 6 yrs so dont, think we could do anything about it.

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Is there a professional organization i can contact to help me with this?

 

I have Multiple Sclerosis and i am really struggling to work out what the paperwork they have sent me is all about.

 

Any help most welcome.

John

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easy peasy

 

you get the docs

we'll help you


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, DCA;s would collapse overnight.

 

 

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I have the paperwork, can you tell me where i send it for you to look at?

Thank you so much

john

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statements are the main thing and the mortgage agreement

 

redact them and post them up

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

IPHONE only, take a pic and convert to pdf via an APP

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

or use Primo PDF.

.

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

you can click on your links to check them too!

.

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, DCA;s would collapse overnight.

 

 

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i have the docs, what do i do now?

ty john

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i dont know how to get them onto here for you to see :(

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**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

IPHONE only, take a pic and convert to pdf via an APP

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

or use Primo PDF.

.

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

you can click on your links to check them too!

.

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, DCA;s would collapse overnight.

 

 

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