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    • It is residential. Not long been self employed, and in between been employed. Everything was set up by dd. BT even let them upgrade the Internet 2 months ago, but did not refuse on basis bill not paid. No letters, nothing and normally would cut you off after not paying for a month. Yes they should check outgoings, but young couple, and everything by DD.  They obviously realised they made a mistake by halfing it. Just wanted advice really 
    • £800 for one year?? what planet are you on?   i will guess this is residential Broadband not a business A/C?   however i do find it a bit strange that a self employer person does know when or not money is going out of your A/C one month maybe, but to not spot 12mts of not seeing a BB bill smacks of poor financial awareness..    
    • My son in law sent me this ....after some advice    our Internet got turned off today (19th January) I rang up and said hi can I make a payment and find out why it hasn't been taken out of my bank,   he said are you aware you haven't made a payment since February 2019. I said no that can't be right,   I upgraded my package just over a month ago and they never said a word about owing money and just let me upgrade, I haven't received any letter or indication that I owed any money let alone a years worth of bills!   I asked why no one had let me know sooner he said we're not obliged to tell you that but said I had a valid point,   I asked if there's a way we can sort this out he said best he can do is give me a good will gesture and take 1 month off,   I said I wasn't happy with that and we could pay half the amount owed now £380 and they would match the other £380 and wipe it off as long as I don't miss a payment for the next 6 months,   I accepted this offer even though I'm still unhappy purely because I need the Internet as self employed.    They had cancelled the DD back in Feb, I seriously had no communication from them and even upgraded a month ago.   They wanted nearly £800 
    • so we don't shoot ourselves in the foot can you place up your complaint letter please one pdf only.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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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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