Blemain Finance reclaiming **WON**

[dx100uk]

[dx100uk]

you paid past 2004 where are those payment s?

[dx100uk]

if the loan stopped then that's it.

 

 

no those others you cant include

[dx100uk]

To GE paying them off

 

Dx

[dx100uk]

your ppi is not complete is it?

18/nov 2004 - how did the loan get paid off? [redemption figure]

 

you leave the claim to date alone! [it should have a formula in there =()TODAY.]

 

as for the charges 2007 - forward yes

[there are none on loan 1]

[dx100uk]

why are you doing that?

[dx100uk]

right so you'd typed that date in and crashed to formula...

 

 

I got the brackets wrong..

should be

=today()

 

 

dx

[dx100uk]

good at last they look right...

 

 

for the ppi you need to fill out an fos cq

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

 

and send that along with the spread to them.

and a cover letter like:

 

 

The Complaints Department

[Lender’s address]

[Date]

Dear Sir/Madam,

Ref – policy number

I believe I have been mis-sold a payment protection insurance policy and would like to request a full refund of my premiums, plus interest paid.

I took out a £xxx loan/credit card at your [branch name] branch on [date] and also bought a payment protection policy which would cost me an extra £xxx over the life of the loan. [The name of the salesperson who sold me the policy is …] The total amount of my premiums plus interest is £ xxxx.

When I took out the loan, I was told that my application would be refused if I did not also buy a PPI policy. The Financial Services Authority’s advice to consumers is that, while it does not breach FSA guidelines, a borrower should not be refused a loan if they choose not to buy an insurance policy.

Possible additional paragraphs – include any which apply to you

[i also told your salesperson that I had adequate insurance cover through a separate income protection policy.]

 

[i said I did not need the PPI as my employer provides a generous illness and redundancy package.]

[You are not allowed to make PPI a condition of taking out the loan unless you include the costs of PPI in the quoted interest rate, which you did not do.]

[in forcing me to buy this policy, you have also breached paragraph 8.6 of the Banking Code, to which you are a signatory.]

I do not believe being forced to buy this policy as part of the loan was a fair and reasonable obligation as I did not need this insurance and said at the time of taking the loan that I did not want it.

I am requesting a full refund of all my insurance payments, plus interest, which total [£ xxx].

If I do not receive a favourable response from you I will pursue this claim through the Financial Ombudsman.

Yours faithfully,

or

http://www.thisismoney.co.uk/money/bills/article-1606652/LETTER-TEMPLATE-Mis-sold-PPI.html

 

 

or

 

 

Dear Sir or Madam,

Re:

 

I am writing in relation to the above payment protection (PPI) policy which i believe was mis-sold to me in relation to my

I believe you have not treated me fairly for the following reasons;

· The PPI was added without my knowledge..

· You have been punished by the Financial Conduct Authority for failing to treat customers fairly and I do not believe that the PPI I bought was sold in my best interest.

Unless you can prove that the policy was fair and reasonable and that I was treated fairly when I was sold the insurance, I demand a full refund of all premiums, and subsequent interest on these payments, that I have paid in relation to this policy. I also expect 8% interest to be added to each payment I have made as this is the statutory amount a court would pay.

I look forward to your full and prompt response to this letter. If this matter is not settled within eight weeks of this letter I shall be contacting the Financial Ombudsman to investigate my complaint.

This letter is in respect of the above account that was issued by

Yours faithfully

 

 

 

you get the idea........

 

 

......................

 

 

as for the charges

theres a charges reclaim letter in the mortgage section of our library.

[dx100uk]

read the link properly..it's nothing to do with the FOS at this stage.

 

 

charges letter is in the mortgage section of our library templates

[dx100uk]

secured loans and mortgage for reclaim are treated as same.

 

 

you have 2 sep claims

keep them that way

 

 

dxz

[dx100uk]

dave go start a new thread

of your own please

 

 

dx

[dx100uk]

When writing the PPI letter,

at the very end where it says 'the account that was issued by'

do I put Blemain Finance or the name of the person that created the account? original creditor

 

There is only name I can find and that is on the quotation sheet and the person that prepared the quotation.

 

I've put the account number on both letters but should I also include my Dad's previous address on the letter just like I did with the SAR? no as they already know its changed by the sar.

 

And should I staple the spreadsheets to the letters? yes.

 

And where the spreadsheet says Monthly Payment of PPI do I change that to something else? obviously if its for penalty charges.

 

 

Especially for charges to something like Total Charges Amount?

no just rename the charges statint sheet to read penalty charges not ppi.

[dx100uk]

and now you tell us you used a broker!!

 

 

..loans.co.uk lots of threads here on them already

 

 

they'll be the ones that levied the PPI I bet

and took a secret commission to too their back pocket

 

 

bet BF will now fob you off and say not us mate!

 

 

the charges letter should indicate the amount you are asking for.

[dx100uk]

well if you read a few other threads etc

p'haps you'd not be confused so much.

we seem to be nurse maiding you upon what to even think sometimes.

 

 

fire it off

see what happens..

[dx100uk]

And refuse it

[dx100uk]

unlawful not illegal..

send a copy of the Dcert.

[dx100uk]

you want them both fully refunded as neither are lawful.

[dx100uk]

not got a crystal balls sorry

[dx100uk]

blimey that's a result

BF are changing their spots then!!

[dx100uk]

no that all appears ok.

 

when a firm 'gives' you compensational interest [they call it statutory interest at 8%] sadly the taxman gets 20% of it

as its an earning

but you can if earning are below rate tax rate claim it back

 

your thread is very useful to all BF people

as its an important win were most have been totally fobbed off and got nothing

 

keep up the good work

[dx100uk]

Very well done

 

Dx