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Jellie

Blemain charges i found the other day almost killed me with shock Please can anyone advise

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Hello I am hoping for advice as after finiding this the other day when i asked how much i owe it has threatend to consume me now and will leave me with no pension.

loan started in 2008 shortly after i had a child with a disabling condition and work was not to be i had enormous arrears and they have taken a warrant out 3/4 times to try take the house

the fees are as follows

collections telephone charges @ 30.00 - 50.00 a time

letters @ 35.00 a time

collection instruction 250.00

buildings insurance £791.00/362/510/600/170/150/165/80/80/78,,,,this varied so much and for the most i had sent in a copy ...of my own plus ge money also do this so im triple covered...

professional fees £86.25

dishonoured receipts @ 35.00 each

court hearing fee £215

court fee £150

Posession proceedings £130

court preparation fee £190

collection visit £110

telephone collections £35 a time

hmpg £110

monthly charge arrears @42.00

monthly charge arrears @46

visit cost £100

posession warrant 18.00

legal costs 120legal costs 230

warrant for reposession again 16.00

legal costs 230.00

arrears charges are now £50

 

these all come to the grand total of £6562.59

 

I have paid them to date £18,621.54 in payments

start of loan was £12k @ 13.9%

 

 

settlement figure is £21,276.78 today (of which i was told but they did not put down £7k is the actual amount left without the charges....)

i think they said 144 months left of agony to go.....

 

I cannot be tied to these unhelpfull liars for another ten years who every month remind me they can get a posession order tomorrow ...and tomorrow...and tomorrow ...i have been sick ive had to home school my youngest then had my mum have cancer and die...this is now breaking me can anyone help please i need to sort this out to stop them bullying me?

 

Thank you

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Hi Jellie, i hope your still around as i see you have had no replies. this company are the worst and will charge for anything and everything they think they can get away with, please send a SAR to them and whilst waiting on the reply read, read, and read again about Blemain, this will not be quick to sort but if your committed to fighting back you will do ok.

  • Haha 1

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ohh thank you ...yes i am, they will NOT be taking me out in a hurry :), as they also know i had to home school my daughter = no wages 4 years , mother was dying of cancer = no wages 6 months , i had 2 biopsy's so some time off work then i had cellulitis so been off a year...now i have a new job friday :) so i'm back to battling for fairness and i am not paying those ...if i have to pay it off in 3 years and send a registered letter to say this is for the mortgage only outstanding see you in court for the rest i will!

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Hi Jellies, so sorry you were missed and welcome to cag.

 

So yes, first thing you must do is send a subject access request to blemain in order to get the info and statements you will need. Unless of course you already have the statements.

 

There is a £10 fee for a sar and they will have 40 days from receipt of the request in which to supply everything they have.

 

Once you have your sar from them, come back and we will guide you through reclaiming all those charges.


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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

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I have taken that information off the statements which they actually sent free :) there was some miscalculation as well somewhere and i think they were to refund to the account but i need to dig that out and see if they ever did that, or that may have been ge money....who is my main mortgage and actually not as bad their penaltys are less thatn 5k on an 85k mortgage so in compartison where blemain penaltys are more than i borrowed.....

Thank you for your replies , so what do i do now.......they also bully me threatening me with the fact they can reposess anytime they like as ive been in court three times them trying to do that and they failed as i managed to sell enough to get the arrears up to date each time...and once they did it wrong too! nut anytime they talk to me they say do you know we can reposess this with no real notice anytime now so you have to adhere to payments and you do not have any chances left so now they say i have to stick to this or they will not negotiate again....-_- this made me so sick with worry all the time

 

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Edited by Jellie

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You need to download our CISheet, just click the link here and enter each charge in a separate row.

Enter the apr in cell d15 and the spreadsheet works it out for you


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Firstly I definately need some help,

I accept things got in a mess but My daughter was suddenly diagnosed with chronic pain syndrome at the beginning of this loan and i have only just removed my head from my bottom now she is 20 and more independent.

 

My father died ,

my mother got cancer went in a home and died

and this is the first year i have been able to pull 20 boxes of paperwork out and question things.

 

I am a single mum so there is little time to do financial things when there is washing and hoovering !

 

I copied someone elses post and filled it with my stuff i hope this was okay as it was very similar.

 

I took out a Blemain finance loan on the 26/03/2008 for £15,208.15 , secured against my property (it was actually a refinancing of a previous loan with swift loans or something) .

 

The interest on the loan was 13.9% - it said variable which it never is APR 20.1

 

I got the information from them today and i have a break down off all the charges.

 

Through out the loan I did have money problems,

looking at the breakdown of my account there is quite a number of late payments.

 

Over the period of the loan I've been charged for:

 

Letters = £30 - £35

collection telephone £30.00

telephone charge £35.00

instruction of agents £250

Visit = £100

Monthly charge - arrears = £33 - £46

Professional cost £86.00

court preparation fee £190

court hearing fee £215.00

Dishonoured Receipt = £30 - £35

Default Notice = £50

Buildings Insurance = £661 - £30

Buildings Insurance Block policy Charge = £16

legal costs = £282

 

These add up to day in a letter from them to a whopping £15,223.18 to todate the balance to date including this is £20,219.13 in total so my loan has 5k left to pay and the other 15k which is more than i first borrowed is their charges :(

 

I am about to loose my job so this really needs looking at

 

They say the charges are not regulated so they cannot refund them

 

I did get close to getting the house repossessed twice during this time

the second time their solicitor did not even turn up,

they still taunt me with the we have a suspended posession order blah blah from years ago pay now or else

 

Some of the above were charged multiple of times, others just a few,

 

plus there was a Broker fee at the start for £1,500 that company flexi loans no longer exist

 

What can i do the fsa and ombudsman said not them?

Any advice would be grateful

 

They have written back and would be prepared to refund

71.53 interest,

£350 management fees, which is £421.53 including interest and an old offer i never saw the final outcome of of £722.00 plus associated interest which they did not enlighten me what that is.

 

..i really think 2k back off 15k charges is horrid and id have to re loan this at the end and start again or use all of my pension due in 3 years to pay them.

 

I also asked for the underwriting document today re any hidden commissions etc, as this came from flexi loans who are no more ,

 

together say they had to put me on a list while they await the outcome of a ruling whether people can have this information or not....

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If soemone can look at this

i have downloaded the original loan document which doesnt make sense when calculating and all the blergh on it

 

 

i also have calculated the charges but could do with a hand with buildings insurance charges and a few other random things on there before i finish it off,

is anyone able to help please :)

 

Here are most of the charges

do i add the buildings ones on as well?,

ones about £900 in total!

 

I have popped them in the spreadsheet and saved it for now

need a few recent ones added which are now 50-100 a month

 

monthly arrears penalty charge £50.00

monthly arrears penalty charge £50.00

monthly arrears penalty charge £50.00

monthly arrears penalty charge £50.00

monthly arrears penalty charge £50.00

monthly arrears penalty charge £50.00

monthly arrears penalty charge £50.00

monthly arrears penalty charge £50.00

monthly arrears penalty charge £50.00

monthly arrears penalty charge £46.00

monthly arrears penalty charge £46.00

monthly arrears penalty charge £46.00

monthly arrears penalty charge £46.00

monthly arrears penalty charge £46.00

monthly arrears penalty charge £46.00

monthly arrears penalty charge £42.00

visit costs £100.00

monthly arrears penalty charge £42.00

monthly arrears penalty charge £42.00

monthly arrears penalty charge £42.00

monthly arrears penalty charge £42.00

monthly arrears penalty charge £42.00

monthly arrears penalty charge £42.00

monthly arrears penalty charge £42.00

monthly arrears penalty charge £42.00

monthly arrears penalty charge £42.00

monthly arrears penalty charge £33.00

monthly arrears penalty charge £33.00

monthly arrears penalty charge £33.00

monthly arrears penalty charge £33.00

monthly arrears penalty charge £33.00

monthly arrears penalty charge £33.00

monthly arrears penalty charge £33.00

standard computerised letter charge £35.00

standard computerised letter charge £35.00

telephone call £35.00 telephone call £35.00

professional costs £86.25

telephone call £35.00

telephone call £35.00

standard computerised letter charge £35.00

standard computerised letter charge £35.00

standard computerised letter charge £35.00

standard computerised letter charge £35.00

visit costs £110.00

standard computerised letter charge £35.00

standard computerised letter charge £35.00

standard computerised letter charge £35.00

standard computerised letter charge £35.00

standard computerised letter charge £35.00

telephone call £35.00

standard computerised letter charge £35.00

telephone call £35.00

standard computerised letter charge £35.00

telephone call £35.00

telephone call £35.00

telephone call £35.00

standard computerised letter charge £35.25

standard computerised letter charge £30.00

standard computerised letter charge £30.00

telephone call £30.00

dishonoured receipt charge £35.00

collections instructions to monarch who are blemain / cheshire £250.00

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is there a sep charges/arrears account in their paperwork you have via your SAR?

 

 

if not pop them all in the foscisheet at their int rate in cell d15.

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

 

you cant reclaim sols fees though put them in as it will allow you knockdown.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I really need some help fighting blemain i made my own post thread actually couldn't find it and made another a while later, but not had any advice is anyone able to help me so i don't sit reading this thread like some fave movie repeatedly until i go insane :D !

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?470043-Blemain-charges-i-found-the-other-day-almost-killed-me-with-shock-Please-can-anyone-advise

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your thread is here

http://www.consumeractiongroup.co.uk/forum/showthread.php?470043-Blemain-charges-i-found-the-other-day-almost-killed-me-with-shock-Please-can-anyone-advise

 

 

now go read it and respond there with what help you need

if ever cant find your threads

simply click your username on the left of your posts or hit user cp up the very top right

  • Confused 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I have downloaded the sheet

i started a new thread as it didnt show me this one on my kindle

but now i have a pc and i can see this ,

 

 

can i add the buildings insurances on top?

and if anyone can check them for me as the buggers seem to be charging interest on everything , allthough it is variable

 

 

they say they never vary the interest as they don't have to and are not obliged to as it is a business decision, not anyone elses

 

can i claim the buildings insurances back as one from 2008 they charged me for @ £661.50 had got added interest on top of £1,659.69! instructions of agents i think was monarch..£250 with £607.27 interest on top of that also to date?

 

 

are these to be added also but the interest auto adds on that sheet?

 

there is buildings insurance and buildings block policy charges each time too? what do they mean?

 

i included everything on their sheet which came to more totalled up than was o their sheet and had discrepencies as well!

 

CLAIM CALCULATION Total of Charges £6,956.80 Compound Interest £10,659.47 Total £17,616.27 the loan was for 12k...in 2008....

@13.9 %

 

It is a second charge loan with variable interest and as i read a LOT of posts i also have the never went down as they said its privately funded to me or something lol....

 

 

also had my own insurances they say never received and also ge money had it covered too as well...

 

 

will be dealing with them next! but surely one insurance writes off the other?.

 

 

..so i cant have three policies for the same house?

 

the underwriting list isnt for my eyes they said i have no right to see this now

 

so the other things on there are the

broker fee £1,500

solicitor fee £100

Title insurance £175.00

Loan processing fee £545

Im guessing i don't add them :p

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go back to post 1 here and re read your thread

 

 

yes you can reclaim building ins

same as for PPI

 

 

but each must be on its own sheet

 

 

you cant mix it with the charges sheet

 

 

read the thread in post 11

its all there what to do


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Okay just popping them into separate ones now thank you

 

wouldn't they ask for proof i had mine , not sure i even have them that far back as i get whoever is cheapest and still good value each year, and through one of the sites or quidco if i get something else back!

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would your bank account statements for the relevant periods prove this?

should do


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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That is an idea i will check , have just filed for ppi from an old capital one card today and found monarch letters and a totally different agreement from blemain with a different apr and broker fee on which i wrote copy on as i received it as a copy after signing another...

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hope you are not just blindly sending PPI letters

without getting all the statements first

and calculating what you are owed


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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i calculated it myself with your lovely tool ,

but then filled it in from their site saying what i thought it should be it isnt much but it is something

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