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    • cadbury...listen carefully.   you have enough medical issues to get yourself under the care scheme. go ring this number..   08000728625   tell them your story.
    • Thanks Andy, how can i pay Barclays direct if they have passed it onto Arvato...or westcot.?..(or both at various stages apparently?).  And as forBarclays saying because of their own mistake /breech of cca rules etc, they would never take it to court...have they just offloaded it to these stupid debt collecting idiots/
    • The only reason I don't want to enter a DRO unless absolutely necessary is because I was reading that when renting your home the tenancy agent can kick you out of your home for entering into a DRO or IVA? Also, I currently rent my car on a PCP and I could have that contract terminated too?!   If I enter into the informal negotiations with my creditors via the pro rata letter, am I correct in thinking that this wouldn't affect my renting status and the my hire car?    What would I need to show them to provide income and outgoings proof? Bank Statements and Wage Slips?   x
    • pers I wouldnt touch an IVA with a barge pole. DRO if you must take such routes which is probably the best way for the future. as andy explained earlier   once you 'default' by entering into your own arrangement [our pro-rata stuff] the defaults are there for 6yrs anyway killing credit. but under the same breath, so is the DRO marker...   there is nothing to stop you doing pro rata..see how it goes then switching if needs be.  
    • pers id send by royal mail our vt letter.   see what they do.   Section 99 of the Consumer Credit Act gives the debtor the right to terminate a hire purchase agreement,  simply by giving written notice of termination.  . The right to terminate applies at any time before the final payment becomes due, unless the creditor has already terminated.  contrary to the line taken by many finance companies,  . the debtor need not have paid half the total amount payable,  and nor do they have to pay any arrears, [read below carefully regarding arrears ]. . before exercising the right to terminate.  . Sections 99 and 100 set out the debtor's liability on voluntary termination.  The sections are complex,  but their main effect can be summarised in brief as follows.  . If the sum of payments made and arrears before termination exceeds 50% of the total price,  than the debtor is only liable to pay the arrears.  . Otherwise, the debtor is liable to pay half the total price, less any payments already made.  .  so the debtor can terminate at any time if he has reached the 50 % mark but would be liable for any payments still to reach the 50 % mark,  .   it does not matter if the account is in arrears at the time or request to do a voluntary termination. . you need to specifically nail them down that this is a VT and NOT a VS Voluntary surrender]. dont get caught out!! . take extensive photos and video of the car inside and out  and underneath [use a selfie stick] and in the engine compartment  ALWAYS. . if they try and charge a repo fee or collection fee they cannot: . The only charges you must pay are the ones contained in the legislation and itemised in section 101,  the charge mentioned is levied after the agrement is terminated and is void in any case.  . All it means is that no one will collect the terminated car(their car), well that is ther problem it is no longer yours , your attachment to the car has been terminated.. . 173 Contracting-out forbidden. (1)A term contained in a regulated agreement or linked transaction, or in any other agreement relating to an actual or prospective regulated agreement or linked transaction, is void if, and to the extent that, it is inconsistent with a provision for the protection of the debtor or hirer or his relative or any surety contained in this Act or in any regulation made under this Act. . This term is covered by the above section of the CCA 1974 in that it breaches this: .  99 Right to terminate hire-purchase etc. agreements. .  (1)At any time before the final payment by the debtor under a regulated hire-purchase or regulated conditional sale agreement falls due, the debtor shall be entitled to terminate the agreement by giving notice to any person entitled or authorised to receive the sums payable under the agreement .  In other words nothing can stop you voluntarily terminating. . although dependant on the way your agreement is written, they can charge excess mileage .  this has been accepted at county courticon level, but afaik has not been tested in a higher court .. . . ..............example letter..ADAPT TO SUIT............. . You must vt under s99/100 cca1974. do not sign any of their forms, or agree to pay anything.  . The car has just to be in reasonable condition for its age.  If you have paid in excess of 50%,  with no arrears there will be nothing to pay. . Send them the following letter,  they MUST action your request,  you should endeavour to be present at the vehicle inspection--- . VOLUNTARY TERMINATION OF AGREEMENT UNDER S99/100 CCA 1974 .  Account No: (xxxxxxx) .  Dear Sir,  I am writing to notify you that I am exercising my right to terminate the above Agreement  under Section 99 of the consumer credit act1974.  . You will understand that the aforementioned section permits the debtor to terminate the agreement  at any time before the last payment is due.  . There is no restriction regarding the exercising this statutory right,  particularly none in respect of any perceived arrears or monies due on termination . I understand that I shall be liable to you for the amount calculated under the formula in Section 100  of the Consumer Credit Act 1974.  . **As I have/have not paid more than the amount calculated under the formula in Section 100 the amount due is £XXXX/zero. .  The above agreement will be terminated 14 days from the date of this notice. .  Please send me details of how the vehicle can be returned to you. .  You will be aware that statute prevents you from levying a charge for the recovery of this vehicle;  guidelines also state that if you require me to deliver this vehicle  it must be no more than a short (reasonable distance) from my registered address. .   Please confirm receipt of this request in writing within 7 days of receipt. . -Yours etc... ..  
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scottishbloke17

Blemain Finance reclaiming **WON**

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Hi there.

I want some advice on what to do next and will start from the very beginning so that I have all the details in the right order.

 

Over a month ago my Dad and myself worked with companies that can help you claim back PPI,

we went with different companies and never heard anything back.

 

I only have a credit card but my Dad and my Mum (who has passsed on) had a lot of loans and a mortgage about 17 years ago.

 

This was cleared off in 2009 and the loan was with Blemain Finance.

 

my Dad had a lot more than me.

Unfortunately about 3 weeks ago my Dad had an accident which required him to be in hospital for just under 3 weeks

 

about a week into his time in hospital my sister got a letter that was addressed to my Dad but it was her address on the letter and she said in this letter there was a lot of charges and money owed back to my Dad.

 

One was over £200 and then there was another sum of over £300 so altogether it was over £500.

 

I mentioned the name Blemain Finance because for years I know my parents paid them for the loan they had for the mortgage, it's the first name that came to mind and my sister said yes.

Unfortunately my sister cannot find that letter now but is still looking to try and find it.

 

I don't want my Dad to lose out on this letter

I called the PPI company that was in charge of his claim and they said they knew nothing about it,

they had heard no word from anyone and they actually never contacted Blemain Finance so they can't explain it at all.

 

They just advised to wait and perhaps another letter would be sent out and whatever letter or offer was sent would be sent to my Dad, they said they wouldn't know about any kind of offer that was offered.

 

I then asked for advice on another forum and a kind member of that forum directed me to here because I have no way of contacting Blemain Finance directly and I can see on this forum that other people are having this same trouble too.

 

I can only go from memory,

I'm sure the Bank of Scotland/Halifax were involved in the mortgage too,

I think in 2009 a good 18,000 was owed and paid to them.

 

My parents sold their house and I know that £18,000 was paid to clear the debt with Blemain Finance.

 

I've no idea what was paid over the years.

My Dad says it was a good 17 years all in.

 

Can anyone advise me on the best steps to take from now on?

My sister did say yes it said Blemain Finance on the letter but obviously I never seen the actual letter, it could have been another company acting on their behalf.

 

Also bare in mind that the debt was cleared in 2009,

the £18,000 was paid but I've no idea the total paid for all those years prior

 

The offer was over £500 but with all that money paid to them and some of the horror stories I've read on here I can't help but feel that there could be a lot more owed to my Dad.

 

What would be the best course of action for my Dad to take to not only see about the £500+ owed but to see if that sum is actually right and if more money is owed to him.

 

If anyone can give me advice on what to do and how to do it I would be very grateful.

 

The only thing I can't explain is how the letter was sent to my sister's address.

What can we do to not only contact them but to see if over those 17 years and what my parent's paid and if there is anything owed back to my Dad? Thanks :)

Edited by scottishbloke17

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sar to GE money


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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Strange why my GE money link posted. Sorry..

Sar blemain

 

Would have been a second mortgage or a secured loan


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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It says on that page the SAR always goes to the original creditor

but I can't get a contact address for Blemain Finance

and I don't know how other people have contact with them.

 

 

How would I find out what the correct contact details for Blemain Finance are in 2017?

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Blemain changed its name about a year ago its now called Together Finance

the address is Lake View, Lakeside, Cheadle, Cheshire SK8 3GW.

 

you need to look carefully at the charges and fees that they most definitely will have added.

 

 

Mortgages are usually with their sister company Cheshire Mortgage Corporation,

but with this company anything is possible be carefull with them and don't believe everything they tell you.

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Hi there guys,

I've not been able to get online the past few days hence not replying.

 

Can you give me some more help please?

 

Do I mention Blemain Finance at all on the address on the envelope or the letter or is it just

 

Together Finance

Lake View

Lakeside

Cheadle

Cheshire

SK8 3GW

 

Is the £10 Postal Order I include to be blank and not signed by my Dad?

 

When my Dad had dealings with Blemain Finance it was at our previous address.

 

Where in the SAR would I mention that and how would I word that?

Thanks!

 

Also the Council Tax letter my Dad has, would it be the original letter sent along with the SAR or would it be a photocopy?

 

And it says on the SAR help page that if you have to SAR a DCA to send a blank postal order but what would I do with Blemain Finance if they are now Together Money?

 

Do I send a postal order?

 

Does my Dad sign or leave it blank since the company name is different now?

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only ever copies

 

its not going to a dca so...


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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So he signs the PO.:-D

 

Do i just mention in the letter that we have stayed at a previous address?

We have only been at the current address for 3 years

but I don't know how to word it in the letter

because everything my Dad dealt with with Blemain was all done at the previous address.

 

Also on the SAR template it says account/ref number but we no longer have those details? Do we need them or should I delete that part of the letter?

 

And since we no longer have those details should this part be kept in the letter?

 

Please note that this Subject Access Request is not limited to the account/reference number mentioned above but that number has been provided purely as a starting reference for you.

Edited by scottishbloke17

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you send the sar as if its from your dad

 

 

to the address you've been given

simply state in one top line that he was resident at the address

but now lives at ..and include the currect ctax bill copy.

 

 

no need to put any account numbers.

 

 

dx


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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so you wan them to reply to the old address??

  • 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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No the current one but when you said but it in the top line I didn't know if you meant the very top line where the address goes or in the body of the letter. I will put it in the body of the letter. Will just sending it first class do?

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You only need free proof of posting

Can go 2nd class if you wish

 

You can get pop at the counter when you get and put the po in the envelope with the sar


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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Hi Scottishbloke17 please make sure you pursue this, they are not an easy company to deal with and will try and either ignore you or fob you off! They don't like paying money back but they do pay up to the ones that are persistent.

  • Confused 1

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Will do! Tomorrow morning we will get the PO, he will sign it and will get it posted.

 

 

Do you think there will be a fight on our hands to get any money owed? I'm assuming THEY HAVE to give my Dad those documents. We will be persistant with them.

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SAR is a LEGAL REQUEST.

 

 

you sign both the SAR and the PO


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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Hi there. Can you tell me where my dad sigas the postal order? The woman at he post office imists you don't sign them.Thanks.

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Don't worry about it

Just put banks name


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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put the bankindle of scotland Halifax?

 

Where abouts do you put his info?

There is nothing onew the front for you to write and the only info on the back is if you want to make a charitable donation.

Nowhere for my dad to signew.

 

The woman at the post office said you don't sign a postal order but she put the company name on the front of it, there is a small white strip at the bottom of the front and back which says no writings or markings in there. There is space for a name and address at the back but it is for a gift aid declaration.

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i think you will find that the post office puts the name on it, its not signed because it is a post office "cheque" not yours and the P.O have to honor it

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engage brain......


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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The only postal orders i ever got were from the Post Office and the woman there today said no way do you write or sign anything on them.

 

Will it be ok to send the postal order I have without it signed?

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