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    • p'haps not the best thing to do just use the N244.and the ex160 let them sort it out don't complicate things..   don't worry about the bailiffs there isn't really anything they can do there is no right of forced entry upon consumer debt CCJ enforcement.    
    • again you appear not to be understanding things.....   a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed.    your debt is NOT statute barred it has a CCJ . should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.   they both operate under the same ICO rule, quoted as in post 4..   All references to a defaulted debt must be removed from your credit files after 6 years  has passed from date of default, whether paid off, paying now or not.  . This is so that someone who continues paying something  - even after 6 years from default  - should not be at a disadvantage to someone who pays nothing after default  and ends up with a clean file after 6 years. 
    • Pleased to say that the default has gone from my credit report due to being SB. My Experian credit score is now 978 out of 999 and excellent. Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1.    my question is this.... clearly the debt is still owed for the SB debt, the CCJ is still live until June next year.   Can I make an offer of 10% to settle the debt now that it’s SB? If so is there a letter template that I can send to them to make such an offer?   thanks in advance 
    • Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.   First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.   The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.   If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.   So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.   Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.   DO NOT under any circumstances get yourself deeper into debt over this.
    • she certainly hasn't any authority to 'fine' you. what was in the contract regarding vacating the property by when?  
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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


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

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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

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges 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


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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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.

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

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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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