Blemain Finance reclaiming **WON**

[dx100uk]

Sar blemain

 

Would have been a second mortgage or a secured loan

[dx100uk]

only ever copies

 

its not going to a dca so...

[dx100uk]

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

[dx100uk]

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

[dx100uk]

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

[dx100uk]

SAR is a LEGAL REQUEST.

 

 

you sign both the SAR and the PO

[dx100uk]

Don't worry about it

Just put banks name

[dx100uk]

read any other mortgage reclaiming threads.

 

get yourself upto speed upon what you need to be doing..

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?296108-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

 

 

as well

[dx100uk]

start looking fixed sum penalty fees like arrears, letter, phone, late, debt management

and pop them in the statint sheet here

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

[dx100uk]

interest and brokers fees can not be reclaimed

 

if you wanna be brave scan up each batch of statements to OMNE MULTIPAGE PDF

redact them FIRST please

follow the upload

 

any FIX FEE is usually a penalty and can be reclaimed

as can ANY PPI life insurance or any insurance

though they must be a separate claim. from penalty fees.

[dx100uk]

yep

 

 

dx

[dx100uk]

so certainly PPI/ins to reclaim

 

on the 11/10 one

did you already have building insurance running and active before you took this out?

if so theirs is reclaimable ...you don't need it twice.

its reclaimable

 

fees...

dishonoured

letter

telephone [all types]

collection instruction

default notice

 

and the % those were of the settlement sum too.

[dx100uk]

releaseusall

 

can I be polite and suggest you stay to your own thread please

people are aware of your thread and will read it.

 

until you get your court hearing done and dust

its very distracting to have to keep reading elongated and repetitive posts basically stating the same thing each time

I'm taking them to court we will all win.

 

keep to your own thread.

 

dx

[dx100uk]

I don't know about that,

my Dad doesn't remember a lot of stuff

but there are some letters dated from 2000 talking about what the house was estimated to be worth and what it was sold for.

 

There is a letter dated from October 2002 and it says regarding the property,

the flat is currently insured through the Council's block policy with Royal Sun & Sun Alliance Insurance for a sum of £74k.

The level of cover is index-linked with an annual renewal date of 1st April.

 

I can advise you that there are no service charges levied in the respect of the property by the Council.

Purchasers of this type of property pay the Council's management fee (Currently £72.00 per annum), building insurance premiums, and an equal (1/4) share of the cost of any common repaires carried out to the building.

 

The first loan was in October 2002

so I think that might mean that the council insured the house with Royal Sun & Sun Alliance Insurance but I don't know if that carried on throughout the years or not.

 

When you say the % of those were of the settlement sum does that mean I don't include the settlement sum in the charges?

 

if it was a council house then they paid buildings themselves you had no need for extra buildings so you got fleeced on that as well.

 

yes theres no time limts and anything

they might wriggle about the charges but time will tell.

 

so

you appear to have 3 claims here

 

the first two are PPI and building

 

you can treat the building ins the same way as PPI.

 

read this upon how to calculate what to put in the spreadsheet I detailed earlier.

I sheet for PPI

1 sheet for building.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?318646-PPI-Single-Premium-Your-questions-answered(1-Viewing)-nbsp

 

as for the settlement figure...no you cant include the whole of that!

 

but after reading that link about

you'll see that a % of anything you paid was for PPI and you'll calculate the same way for B Ins.

 

so those 2 % figures will allow you to calc what % of the settlement was POI nd what % was building.

 

as for the charges reclaim

simply use the statint sheet and enter each fee its date what it was and how much.

[dx100uk]

people do not all read all posts site dx100uk, so sorry if you dont like us chatting

 

 

no you're chatting as you do all over the blemain threads.

 

 

on your thread

look at the list at the very bottom

you'll see the people that are subscribed to your thread

so when you post there

they get an email that tells them

no need to go repeating it on everyone elses threads.

 

 

some people need to concentrate not get distracted.

 

 

dx

[dx100uk]

keep to your own thread please

 

I can assure you I am more than aware what its like with over 100'000 posts here in over +10yrs

but some of us don't drivel nonsense all time that 90% of people cant even understand half what you write.

 

it can be very distracting and people have complained about the length of your posts, the fact that they are always in one massive block of text without any blank lines

they are very hard to work out what you are actually trying to say and we as site team have to follow you around and insert sentences and lines everytime to make them understandable.

 

it get boring editing the same stuff each time too

 

say it once on your thread

then people can read it there.

 

by all means help and encourage users, but think about what you are typing and make it short

spaced and easy to understand.

 

dx

[dx100uk]

oh ok, ive just read dx100uk what you wrote, i understand). To be honest with you im useless at internet and still understanding this site so now i see at bottom of page what you say, ok sorry. But we just chatting really. I post though as you ask on mine.

 

 

thank you.

 

 

dx

[dx100uk]

The first thing I did was list all of the charges. In the list I included

 

Legal & Doc fee no

PPP Insurance

First Mortgage Arrears no

Interest Charge 18.65% no

Interest Charge 12.20% no

Broker Fee no

Loan Processing Fee no

Buildings Insurance poss read below

Buildings Insurance Block Policy Charge poss read below

Dishonoured Receipt

Dishonoured Recept Charge

Letter

Telephone Charge

Default Notice

Collections Telephone

Collections Visit

Settlement figure to Third Party % of

 

Is there anything there I should have left out?

I wasn't sure about First Mortgage Arrears?

And if that is correct should I take out the PPP and Buildings Insurance ones

and make them two separate sheets only leaving all the other charges in this one sheet?

 

 

already explained in posts 44 + 53

I would have thought? that when he purchased the council house

the council's building ins was no longer paid?

 

3 statint.xls sheets

 

1 for PPI

 

one for buildings [if applicable]

 

one for fixed fee penalty charges.

 

dx

[dx100uk]

you cant get a secured loan on a building you do not own

so I would assume he purchased it

if so

I would again guess that from that date the council were not providing building ins

but you need to check.

 

what about contacting the council and asking or bank statements?

 

if you would like to upload the sheets you've done

i''ll check them over

 

follow the upload

gut you can upload the .xls file directly rather than .pdf

but remove ID

 

dx

[dx100uk]

nope

you have to enter every monthly PPI payment individually on the date it was made

 

like the charges sheet

 

on that

you cant reclaim the dishonoured payment as its notional

just the charge it caused

 

and take off the PPI/B ins

not how its done

[dx100uk]

yes - So with every payment that was made, work out what portion of that payment was just for PPI?

 

looks like the 2nd loan was to pay off a GE money loan

so no rollover

and no PPI

 

time to investigate GE and Halifax me thinks!!

[dx100uk]

sar both

[dx100uk]

the charge stays its a fixed sum penalty.

 

 

yes to the rest

and you keep in collections visit

[dx100uk]

PPI will never be a fixed sum.

[you keep getting confused with penalty charges]

 

its a % of every payment made

 

your calc is wrong

its PPI/loan+PPI*100=PPI%

 

and you cant include the full £415 ppi at the top and again each month

remove the £415

 

rest looks ok

 

charges

you cant reclaim brokers fee its not a penalty.

 

rest looks ok

[dx100uk]

schoolboy error we all make them

you've put on the spread

415/5000

 

 

its not

its 415/5415...