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marco23

blemain adding £1000's in charges - help

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well done releaseusall,,

 

could you point me in the right direction for a template letter for the SAR as i will send it ASAP

 

,im sure ive seen one on here and when you want it you cant find it

 

,,any other advice on how you proceeded would be welcome

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Click sar


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time barring and refund list)

 

lol blemain told me i was barred on this over 6 yrs ago then give me a refund for charges back

 

 

ive just seen it now unbelievable isnt slippppppppppppppppppppppppppppppppp up they have .) of cause in our favors.,

the lies come out in the wash as they say.

 

 

listen marco23

im going to write on here what i got back so you know straight away what to claim for from blemain

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loads of reply's here so thank you to you to you all,

 

i think things are becoming more clear as it all unravels itself,

 

i was told by Blemain the charges are separate

however they are not

they are included in the total amount on the accounts and attract interest as your loan does,

 

the only thing is if you want to clear the charges

you have to phone them up and request that,

a payment online comes off the balance and the charges remain unaffected,

 

i have now got the SAR paperwork but however previous to me coming here i had contacted the FOS and they have asked me to go through them

 

he said at the FOS he can get all the info on the charges that a SAR would get me, so which way is best ?

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Blemain say we time barred on things, but we arnt if its new evidence ) or judge decides so go for it marco23,

 

 

i was told time barred on something i wanted sorting and of course they sent me letter

so confusing i had to read it about 6 times about if you know if you dont know stuff it was so complicated???

trying to understand i sent it to the court.

 

here is list you can claim back now from blemain

 

again it is very confusing the way they write so i will write down all charges list they sent ok

 

settlement quote £55 year 2008

telephone charges £30 year 2008

telephone charge £35 year 2008 went up in cost ?

instruction to agents £250 year 2008 .... lies there was no agent the rep did all my loans with blemain.

telephone charge £35 year 2008

letter £35 year 2010

letter £35 year 2010

monthly charges arrears £33 year 2011 x3

monthly charges arrears £42 year 2012 two months later £46 arrears charge x4

monthly arrears charge £46 year 2013 x 2

monthly arrears charge £48 year 2013

monthly arrears charge £50 year 2014 x5

monthly arrears charge £50 year 2015

 

there are no refunds for up till 2017 and there are many more charges that they left off

blemain said they couldnt see them ?????????????

 

?really im sure my bank spoke to them in 2016 when 2x£50 went on so theres proof etc.

 

I do not trust blemain at all

 

marco23 ask and see what they send you,

they ask me to sign for another £150 back i didnt cos i knew far more owing me back,

 

and they sent this request to me endlessly in post and lots of calls

 

they were trying to end all the issues

 

i wrote to the about i said no no no no and more no

now the judge has got all them letters etc

 

im not accepting £150 especially when im owed £ thousands in undisclosed commision fees back

 

I didnt just have one loan with them and also my loan is completely wrong the paper work.

 

£346 came off of my arrears they did straight away ,but no £150 for any they said they couldnt see, well im sure judge will see.

 

i got the charges back before ombudsman

i went ombudsman for other reasons that civil law told me to do,

 

 

the ombudsman also spoke to blemain about charges and yes interest piles onnnnnnnnnnnnnnnnnn and on and of course blemain told ombudsman they could'nt see anymore charges ,

 

 

ombudsman told be blemain do not answer all questions,

but also other things what i sent ombudmans ineed court to do he said.

 

Court is best ,

if you want to go round in circles with blemain up to you, who do you think will end the hell.

Its not blemain i can tell you.

 

the ombudsman did give blemain a shake

i think how they had treated me when drs had written blemain, solicitor and c a b and i was still ignored for years, unheard.

 

 

Blemain even said to me on the phone support side so you want the undisclosed commision fees back i said well yessssssssssssssss honestly, but then cos they played a joke on me for a month i rang step change and they said ring civil law and he said ring ombudsman ,

 

 

once blemain found out i went ombudsman collection man shouted at me said why you go him

i said cos you told me i had to do _____________ for a month and after month i told is this normal and it wasnt , very nasty game they played on me.

 

i told in last post is i thought. wrong wording.

sorry been very stressful under blemain dr wants blood pressure again done,

so i will try help on here on and off.

I think my drs are livid with blemain.

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so what happens if someone has charges and they just accept it, eventually the loan period expires and there will be a shortfall, is this when Blemaine take you house or do they extend the period

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SUBPRIME I IS CALLED.

The whole loans were set up to fail marco23.

 

 

YES many lost their many, it is very upsetting indeed.

 

 

This is where a loan is done only for the main gain of the company and high interest rates too.

I have spent days finding out stuff on internet and also law.

The more i found out the more AWFUL IT IS.

 

sorry SUBPRIME it is called .

 

blemain do not send paperwork regulary to you each year and do income and expediture over phone a lot, they are now maybe realising time to stop all what they do and do rules, not all their ways only.

 

The worst thing is since 2004 to 2010 blemain were on a bonus if they got many loans through fast

 

 

i think this was 2004 to when ever henry moser was prosecuted fined heavy and left company he stepped down.

What a way to do loans.

Also 2012 more issues.

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ok so i have x amount of charges added,would it be better if i made a large payment to blemaine to at least bring the account back to what it should be and continue persuing the charges

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why would you want to pay blemain ???????? when they owe you ? I refer to charges why pay them off, they should not be on your account.

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these charges have had a knock on effect on the account, with the charges added im getting nowhere as its swallowed up in interest and im scarred my loan will run its time and not be paid off

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Mine came off my arrears,

they paid them off cos i was not going too that be crazy hun.

 

 

I know you are scared of blemain

do not be as there is enough proof now in and also you have done nothing wrong

you are similar to me and many others that had a blemain loan.

If i was you i would do court.

 

 

If you bought a car and when it was delivered the drivers door was missing who pays for this do you go buy one or say hey wheres the door.

 

 

Once you find out things marco23 on your loan you should seek solicitor if you want to or do yourself court i know

 

it must be upsetting go punch a cushion i had too cos the more you discover the angrier you get.

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i can only thank you so much for your advice you have been very helpful,

 

,,i simply want my two accounts back in order and to finish on the date they expire

 

Blemain can never touch me or have any hold on me,

 

and i was thinking of paying in 3k on each account

 

,this will bring them back in order

then any charges i get back would be a bonus if you get my drift??

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I understand,

but you need not fear that)

 

i can guess you have no slept,

stressed and gone without to pay blemain money,

believe me me and my son had hell time too.

 

I felt trapped, and all my money was being swallowed up by blemain,

its fearful i know,

you have to take a leap of faith marco23 and do court.

 

If you have tried talking to blemain and got no where court is only way.

I will post more about court soon.

Please marco23 do not stay in the pit.

 

Marco23 you may as well go sling ya money in the river.

Sorry to be so blunt but why pay when they owe you ?

 

i use to say to my son we better sell our home and end blemain hell,

my son went mad said no mum we will be ok we get out of the hell.

 

I believe you have to stand back and say who am i ?

am a humain being and deserve my rights.

 

Marco

a lot of charges should not be on your account.

 

As i say i thought like you, but i am trying to help here and show you things you did not know .

 

What you do is up to you

there are endless threads on consumer forum about blemain and 3 other sites too

my must shocking find was on another site

i can not name about blemain im sure site team here will advise same as me.

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TBH im getting so confused, on here people say send a SAR to Blemaine and the FOS have said no need to send a SAR because they can make Blemaine surrender all the charges information?

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once you goto ombudsman then blemain have up to 8 wks to solve matter,

 

 

i have already told you about what happen to me with fos,

to end all the hell you need to do claim form for court for charges back and anythng else you wish to write down ok.

 

 

But if you go court for form or do on line you must do this first as once you tell blemain you going court blemain they may sling repossession letter on you playing games. do court then say, you see i know all the games they play as does welshspoons on here bigmac and suffering and others we all know. safe guard your self.

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once you goto Ombudsmanicon then blemain have up to 8 wks to solve matter,

 

Wrong way around. You cant go to umbudsman before 8 weeks have elapsed or you recieve a deadlock letter from the creditor.

 

Complain first, they have 8 weeks to rectify or issue the letter, THEN go to ombudsman.


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

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yes i know that hun) i went blemain first, then ombudman if no joy with blemain.

 

then ombudman trys to solve matter with blemain this can take up to 4 to 8wks.

 

 

I know i was in this mess up and ombudsman wrote back also the me about court do missold and misrepressentation .

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once you goto ombudsman then blemain have up to 8 wks to solve matter,

 

 

i have already told you about what happen to me with fos,

to end all the hell you need to do claim form for court for charges back and anythng else you wish to write down ok.

 

 

But if you go court for form or do on line you must do this first as once you tell blemain you going court blemain they may sling repossession letter on you playing games. do court then say, you see i know all the games they play as does welshspoons on here bigmac and suffering and others we all know. safe guard your self.

 

but they cant send me a repossession letter as i'm not in arrears???? i only owe the charges i paid the arrears off

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they could still go for eviction/repo in their eyes yes.

 

 

RA means YOU start a claim against THEM.


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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hi marco23

i was giving you an example of the things blemain do,

I didnt realise you had paid arrears off,

and its charges left on your account now you just discussing.

 

I hope you have read all i wrote back to you and understand as you didnt answer about subprime and

henry moser etc ,

 

please check this info on line your self google etc and you may find things that help you see more clearly.

 

Also read court cases on blemain,

it upsets me to see yet another blemain customer needs release,

 

do you still have loan how much if so and how much arrears was paid off up to you if you want to say if not its ok.

 

Loan or loans you have or had were inbetween 2004 to 2010 werent they ?

 

Never pay for charges straight off that you do not know what they are for.

 

I HAD TO LEARN SAME AS YOU ALWAYS ASK OR YOU WILL BE RIPPED OFF IN LIFE.

 

Blemain love to say have you looked at sheltered housing, regularly

they say this i think its their new way of saying you lost ya home mate, if you do not do as we say.

 

 

All the things proven at court cases about blemain and they still have nerve to be little people who they know they done wrong too.

 

 

They believe they are untouchable and full justice wont come in,

but while us customers have struggled and eaten cheaper foods and properly blemain could afford steak and dearer food ( a turnaround can happen instantly nothing is impossible) a full turnaround.

 

Blemain were like feeding me a dog bone but leaving me out in the rain thinking i would never do court, even though i told them 5 or more times i would, they just kept slightly giving , but they only gave me cos they knew how wrong they have done me and once i gained even more evidence and they still didnt release me that was it.

 

Hope you make right decision marco23 please do not worry, chin up and as of today may things get clearer for you.

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DO YOU REMEMBER I HAD A DREAM

few days ago so i acted on it on here,

i forgot to say i had another dream last night

 

i was standing at a dark mountain

in bible terms this is like obstruction enemy etc

as an example about mountains in this dream it was blemain company a bright light came and the ALMIGHTY STRUCK THE MOUNTAIN DOWN BLEMAIN STAFF FELL TO THE FLOOR.

 

 

I was released and the almighty went and sat back down on the throne.

I didnt write this on here today ,

 

 

but half an hour ago a brother in christ contacted me and ask me had i had resent dreams

i had to say yes when i told them the dreams and that i had acted on the first dream on here and helped to try set others free same as me free on consumer forum i didnt say site name

 

 

he said well done for your sincererity and faithfulness

cos ive had same revelations about you and victory is in.

 

 

wows i had to post cos awesome dream last one ,

im known as the giant slayer and helping others.

That was a pastor brother who messaged me.

 

 

Do not worry dx100 i try keep it simple on forum i just had to share):smile:

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Forget wasting your time with FOS, they are as useful as an ashtray on a motorbike!

If you are going to take Blemain to task then issue a claim in the county court, all FOS will do is delay this action for 6 months, they wont look at anything over 6 yrs ago and even when they look at charges claims, they seem to now be falling on the side of those who financially support them, the financial institutions.

Seen so many unjust FOS rulings recently, dont waste your time with them


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DO YOU REMEMBER I HAD A DREAM

few days ago so i acted on it on here,

i forgot to say i had another dream last night

 

i was standing at a dark mountain

in bible terms this is like obstruction enemy etc

as an example about mountains in this dream it was blemain company a bright light came and the ALMIGHTY STRUCK THE MOUNTAIN DOWN BLEMAIN STAFF FELL TO THE FLOOR.

 

 

I was released and the almighty went and sat back down on the throne.

I didnt write this on here today ,

 

 

but half an hour ago a brother in christ contacted me and ask me had i had resent dreams

i had to say yes when i told them the dreams and that i had acted on the first dream on here and helped to try set others free same as me free on consumer forum i didnt say site name

 

 

he said well done for your sincererity and faithfulness

cos ive had same revelations about you and victory is in.

 

 

wows i had to post cos awesome dream last one ,

im known as the giant slayer and helping others.

That was a pastor brother who messaged me.

 

 

Do not worry dx100 i try keep it simple on forum i just had to share):smile:

 

Umm ok? :???: ::der:


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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I'm just at a complete loss now and i'm drained and feel that im in a corner.

 

this is/was my intention, the two secured loans have no arrears as they are paid off all thats remaining is the charges which are picking up interest because of this the loan has been set back and wont finish when due to, so i was going to make a lump payment into each account at least this will bring the accounts back to order and then they will finish on time, i can then tackle the charges re claim and anything back is a bonus.

 

is this not the best way to do it as without the lump payments going in from me im simply just clearing interest?

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marco23

the fos take ages and blemain tell them oh sorry cant see paperwork on that question not here,

then they do not another all questions ombudsman gives the straight .

 

Flawed so best is go on line do a claim form for court it takes 5 mins and you wont regret it also the court answer back to you very quick within 10 days i had a reply) good luck.

 

Please understand fear is not good for you and the court have had loads of cases on blemain so the more that claim what is rightfully theirs the better, it shows how many loans are wrong etc.

 

hi martin i like what you put about the ash trays lol can i ask why isnt marco23 post on blemain with the other blemain list on forum? To show yet another case.

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