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    • Please help with the wording of my reply :)!  
    • HB - friend historically has left issues to the last moment, always incurring extra costs.  It has been so frustrating.  Always worried about bills; yet always ending up paying more...   Dx- Is it worth friend writing to the court to say that a legal rep could go to the court on the hearing date - to request Claim be stayed/ struck out?  Even though bank has said they will write to the courts to say arrears paid in full?  Or does bank action mean the claim court hearing will automatically be withdrawn?   Or does friend have to go the N244 route?
    • Hi Everybody,   Long time lurker and appreciative of advice on here, but have something of a pickle of my own which hopefully you can help with...   I left a flat in November 2017 and paid what I thought to be a final bill payment (with notorious SP), and also discussed my end of tenancy date with the CS rep. 6 months later go by and I get a call from somebody saying I'm overdue a bill payment for the utilities in the flat, and that they are wanting money from me. I politely told them they are mistaken and I was all finished up with them, and that they couldn't move with me to my new address. Cue another two months of nothing, and they re-appear on my phone, asking for money. I politely told them that it was nothing to do with me, and to speak to the new tenants / property company who managed the previous flat (and gave their address). 6 months later, I decide to check my credit history in-depth and see that there is a default listed on my account for around £100, so I called them up to complain that there was an unwarranted and invalid default on my account, and they highlighted that they never took the final payment and was outstanding an amount which I was not aware of. When discussing with them on my departure dates, they actually had it listed incorrectly, and I then gave them the correct dates, and said they would review and revise the bill statement but needed payment of ~£100 then and there, but would be rectified and re-imbursed when reviewed. They also said they would take care of the default on file if it was incorrect. 2 months later I get a cheque in the post for overpaying them and nothing further is required. I call them up to confirm relating to the default and they advised it would be done in due process. I am now 2 months later (apologies if these months don't add up) and I have checked my credit file with a 'Satisfied' label on the default. I called them up to get it removed, and they are saying they no longer want to remove the default, and that the default was valid.   What is the best course of action for me at this point.. Is there any hope for me here to get this removed?   Thanks in advance! Dave
    • EDIT: Sorry wrong forum, tried to delete.   Hi Everybody,   Long time lurker and appreciative of advice on here, but have something of a pickle of my own which hopefully you can help with...   I left a flat in November 2017 and paid what I thought to be a final bill payment (with notorious SP), and also discussed my end of tenancy date with the CS rep. 6 months later go by and I get a call from somebody saying I'm overdue a bill payment for the utilities in the flat, and that they are wanting money from me. I politely told them they are mistaken and I was all finished up with them, and that they couldn't move with me to my new address. Cue another two months of nothing, and they re-appear on my phone, asking for money. I politely told them that it was nothing to do with me, and to speak to the new tenants / property company who managed the previous flat (and gave their address). 6 months later, I decide to check my credit history in-depth and see that there is a default listed on my account for around £100, so I called them up to complain that there was an unwarranted and invalid default on my account, and they highlighted that they never took the final payment and was outstanding an amount which I was not aware of. When discussing with them on my departure dates, they actually had it listed incorrectly, and I then gave them the correct dates, and said they would review and revise the bill statement but needed payment of ~£100 then and there, but would be rectified and re-imbursed when reviewed. They also said they would take care of the default on file if it was incorrect. 2 months later I get a cheque in the post for overpaying them and nothing further is required. I call them up to confirm relating to the default and they advised it would be done in due process. I am now 2 months later (apologies if these months don't add up) and I have checked my credit file with a 'Satisfied' label on the default. I called them up to get it removed, and they are saying they no longer want to remove the default, and that the default was valid.   What is the best course of action for me at this point.. Is there any hope for me here to get this removed?   Thanks in advance! Dave
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mmd

Blemain Together Loan featuring unfair charges!

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Hi everyone,

I'm new on the CAG Forum but was directed here by the good folks at MSE.

 

I have long suffered at the hands of Blemain/Together.

 

I foolishly applied for a second charge loan over a decade ago.

 

It has been the (most expensive) bane of my life ever since.

 

I recently received a letter from Together stating that my original loan has now past its term.

 

It says,

 

As you will be aware,

your account with us has now reached the end of the original contractual term.

As your monthly repayments have not been sufficient to fully repay the balance,

the outstanding amount is now due.

This may be due to late payments, payments being missed or the application of admin costs to the loan

 

I am requesting SAR from them as I have a feeling that most of the outstanding balance is entirely made up of outrageous charges.

I've also been advised to look into an "unfair relationship" with them but I'm a little unsure where to start.

 

The outstanding amount is approx £11k!

How can this even be possible when I have paid almost £100k over the past 10 years?!!!

 

Is repossession an option at this stage?

 

They have already attempted a repo a few years ago when I missed some payments.

I went to court and duly arranged a repayment plan to clear the arrears.

The account has been in good order ever since.

 

Does anyone have any advice on how to deal with this shady bunch?

 

Any help would be greatly appreciated!

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almost 100% you are correct

the balance will be all unlawful fees.

 

the sar will reveal all.

 

did they make you take out insurances too on the agreement...

 

have you still got it?

 

dx


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hi dx,

thankyou for replying.

 

yes I had to pay for their additional insurances despite of course having my own buildings insurances etc at exhorbitant costs.

 

I have a recent breakdown of their charges dating from 2007-2010 which I requested a few months ago knowing that the loan was coming to an end.

Not sure why they did not supply charges from 2010-2017?

But they seem to make up their own rules from day to day don't they?

 

I have entered the charges I have to date into the CAG CIS Excel spreadsheet

- their costs and interest charges are totally inconsistent and are hard to make sense of.

Intentional I would imagine.

 

I'm not going to make another payment to them.

I need to see the SAR results first.

I'm hunting for my original loan agreement at the moment.

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if you already had building ins

then provide them with proof

and they must refund+the int that cost you too.

 

dx


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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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I called tham a few months ago disputing the same point and they of course have NO record whatsoever of my buildings insurance anywhere even though they specifically asked for it to approve the loan in the first place.

 

Would this be something the SAR would reveal?

 

I will call my original insurers and try to locate some evidence.

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no they well known for this sadly.

they'll turn around and say that it was a bulk buy insurance and you cant be refunded

then its off to the FOS time.

 

they've nailed BH several times over them doing this already

 

don't forget your bank statements ill prove building ins too via a DD


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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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s I've been fobbed off with that in the past too.

OK, I'll let you know how I get on with SAR in the meantime!

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The SAR is on its way ... 40 days and counting...

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I've received another Loan Past Term letter, this time stating a completely different outstanding balance to the one mentioned in their previous letter! I despise these clowns.

 

I'm still awaiting SAR response and will update if/when anything happens.

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Hi sorry to hear of yet another Blemain / Together Finance Victim

 

 

The SAR may not reveal all but will reveal some as they are very clever at muddying the waters and not making things clear.

 

 

The most important document is the full and understandable account statement

they will not send this you have got to ask for it.

 

 

They may well send a statement of sorts but it will not have everything on you need to be able to clearly see every charge, penalty,including any admin. charges and a breakdown of the interest and any interest change.

 

 

you should calculate what you believe it to be and work out the difference.

 

 

Get stuck in take control and don't give in to any bullying, do not phone them use email as much as possible so you have a good clear record.

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hi suffering

thanks for taking the time to read and reply! I'm still awaiting the SAR - still a while to go yet.

 

I used to be terrified of this bunch as things always seemed to be on their terms....but not anymore!

 

Can I request a full and understandable account statement from them whilst still waiting for the SAR?

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As I sort of expected, no SAR has been supplied within the correct time. Does anyone have any advice on what to do next?

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ring and ask them where it is


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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

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ring and ask them where it is

 

Or better still, call them and immediately follow through by sending an e-mail stating what you discussed and ensuring you have a written record (ie evidence) of what it is you are saying they have failed to do and what you are asking them to do to resolve the situation.

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ring and ask them where it is

 

thank you dx, I was dreading that having to talk to them would be the next step

 

Or better still, call them and immediately follow through by sending an e-mail stating what you discussed and ensuring you have a written record (ie evidence) of what it is you are saying they have failed to do and what you are asking them to do to resolve the situation.

 

great, thank you. I'll let you know what happens

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Hi MMD,

 

Sorry to peel back all the way to the beginning of your story, BUT... When you took out this second charge were you already with Blemain? If so can you tell me the steps you went through please...

 

I am specifically interested if they acknowledged you would refinance through them,

meaning:

1/. Payment of redemption fee (to them)

 

2/. Made you go to a broker only to take out the loan with themselves (Blemain/Together) again so you had to pay all associated costs (legal, brokerage, etc)

 

3/. If so did you freely choose the broker you used or were you directed? and

 

4/. If you used the same broker did they present you with a multitude of options or did they just say go to Blemain?

 

N.B. These question only apply if the first loan was with Blemain.

 

Thank you

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Hi again mmd you do not have to talk to them!

Send them an email (this way you have a record of the correspondence)

 

Its time to play them at their own game and put the frighteners on them tell them you have been advised to request a full and understandable breakdown of your account, as you are considering legal action against them.

 

Tell them their lack of co operation has been duly logged and noted.

Do not under any circumstances phone them they will deny all knowledge of anything they agree to do

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thankyou for your advice suffering, I will avoid any future calls as I've learnt the hard way with phone calls to them in the past. everything will be in writing.

 

Is there a CAG template letter anywhere here that I could adapt and send?

 

Hi MMD,

 

Sorry to peel back all the way to the beginning of your story, BUT... When you took out this second charge were you already with Blemain? If so can you tell me the steps you went through please...

 

I am specifically interested if they acknowledged you would refinance through them,

meaning:

1/. Payment of redemption fee (to them)

 

2/. Made you go to a broker only to take out the loan with themselves (Blemain/Together) again so you had to pay all associated costs (legal, brokerage, etc)

 

3/. If so did you freely choose the broker you used or were you directed? and

 

4/. If you used the same broker did they present you with a multitude of options or did they just say go to Blemain?

 

N.B. These question only apply if the first loan was with Blemain.

 

Thank you

 

Hello MaDeHall,

Thanks for reading this sorry plight! Here's what I can tell you...

 

No, I was not with Blemain before the second charge.

My main mortgage is with a proper building society.

 

So I guess your other questions don't apply?

The whole thing has been an extremely stressful, confusing & ridiculously expensive mess from start to finish.

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Get serious with them

 

 

write a letter, saying i have good reason to believe that you have added hidden charges and charges that are unfair, to my account i now put you on notice of this ,

 

I xxxxxx Put Together finance on full legal notice that i request the following information so i can investigate discrepancies with my account

I give you 30 days to produce unto me a full breakdown of all charges,penalties, fees and interest that have been added or removed to my account

since the account was first opened, so i and my team can check the legality of the information you provide,

if without good reason you cannot deliver unto me this information in full within 30 days of this letter then no added fees,

charges, and interest will be recognised or concidered owed.

(now thats what i would do but its up to you)

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click sar


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

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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

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thankyou suffering, this is really helpful and I appreciate it

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I had a huge problem with this company.

I have now requested a SAR.

I cannot even begin to think of this company without my blood actually boiling.

They hit me so hard financially when i had hit hard times.

They even turned up to evict me on the day I moved out, and added that visit to the final charges.

Is there a way to claim any of this back, do we know?

Have you received the SAR yet?

I recently received a letter from them offering me a couple of hundred pounds back, which I did not respond to, as I feel it was a get out clause to get me sign that I would not make further claims against them.

I have in the past requested a breakdown of all cost, and is not complete.

Cannot believe they are allowed to continue like this.

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So, instead of supplying a SAR within 40 days, they have instead sent a letter threatening litigation if I don't pay their redemption figure within 14 days - complete with yet another random 'final' figure that I've never seen before.

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I had a huge problem with this company.

I have now requested a SAR.

I cannot even begin to think of this company without my blood actually boiling.

They hit me so hard financially when i had hit hard times.

They even turned up to evict me on the day I moved out, and added that visit to the final charges.

Is there a way to claim any of this back, do we know?

Have you received the SAR yet?

I recently received a letter from them offering me a couple of hundred pounds back, which I did not respond to, as I feel it was a get out clause to get me sign that I would not make further claims against them.

I have in the past requested a breakdown of all cost, and is not complete.

Cannot believe they are allowed to continue like this.

 

you need to start a new thread

of your own please

this thread is for advising MMD

 

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, instead of supplying a SAR within 40 days, they have instead sent a letter threatening litigation if I don't pay their redemption figure within 14 days - complete with yet another random 'final' figure that I've never seen before.

 

send our SAR failure letter


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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