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Blemain - finished my 90mts loan - but several £1000's outstanding in penalties!!


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we had a loan with blemain, which I will admit we didn't run well,

however we got right through the 99 month term and paid as per the instructions and monthly agreed amount.

 

However after the loan term ended I contacted them to make sure that we were clear

and got told we still owed £14009

 

as far as I can see from the breakdown they have sent me this is charges for missed payments/letters/phone calls etc etc,

but this is nearly 50% of the original amount we borrowed and just seems completely and utterly wrong,

 

I got in touch with the ombudsman but because its an unregulated loan there was nothing they could do,

 

I have had to agree to pay £245 per month until this is cleared,

but I just don't feel right doing this,

 

can someone please help,

as I really don't know which way to turn,

if I don't pay the monthly fee agreed they have threatened repossession.

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stay off that phone

the penalty fees are not payable

the FCA clearly states they are unlawful.

 

even blemmy will never goto court for anything when the outstanding balance is their penalties.

 

tell them yo bugger off or removed them.

 

writing ONLY from now on

 

pay them nothing.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Any updates?

 

I'm into my last year of my 108 month loan.

 

I was in arrears for 1-2 months maybe max 3 years ago, but have been uptodate ever since.

 

And just looking at my balance (which I've never really done) I am oweing 4k in fees!!!

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Any updates? I'm into my last year of my 108 month loan. I was in arrears for 1-2 months maybe max 3 years ago, but have been uptodate ever since. And just looking at my balance (which I've never really done) I am oweing 4k in fees!!!

 

You need to start a new thread

Of your own please

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi no, nothing I am afraid, there doesn't seem to be anyone willing to help,

 

the ombudsman won't because they only started dealing with unregulated loans in 2013

and won't deal with anything prior to that,

 

its just like banging your head against a brick wall.

 

I have told Blemain the stress is making me ill,

so they have now sent me a form to complete with my doctor

- its just a joke, and they shouldn't be able to get away with it.

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  • 9 months later...

any updates?

 

 

I have been messaging someone from another forum who have gone through the exact same thing.

 

 

They had a loan of 30k completed.

With an outstanding balance of 15k of charges/fees.

 

 

They made it clear in writing they did not agree and will take the further matter if necessary.

 

 

It has now been nearly 12 months and they have heard nothing back!

No phonecalls, no letters no emails.

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  • 2 weeks later...

Hi Wungus,

i have been in the same boat and been in court,

yes for charges only,

so they will continue to court even if the payments for the loan have been paid they will pursue for the charges,

 

 

i have had a lot of charges removed including interest but there are many more remaining.

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Hi Wungus,

i have been in the same boat and been in court,

yes for charges only,

so they will continue to court even if the payments for the loan have been paid they will pursue for the charges,

 

 

i have had a lot of charges removed including interest but there are many more remaining.

 

Hi, and what has happened at court so far if you don't mind me asking?

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They wont do anything regarding the charges. Just ignore them. They wont touch your credit file, they wont do court. They will just expect you to pay ( theyre a sub prime lender afterall).

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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