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    • well the only way now to get it removed is via a set aside cost £255.   even paying the CCJ and it being marked as satisfied will not sadly improve his credit file nor prevent it poss killing any credit for the 6yrs it will show on his file for regardless to payment.   TBH: there would have to be something seriously wrong for a set aside to succeed  location of the car park might help us at the least.    
    • I had  a 5yr fixed rate mortgage with Norwich & Peterborough before they merged YB. I was to pay £585.27 Per month for 60 months fixed @ 5.85%.   first year ok,   for the following three years as their SVR increased so did my mortgage; £589 1st increase 2nd increase £595, 3rd increase £599. Along with the increases I was also charged late fees etc. from 2008 onwards.   I did receive a letter due to the enquiry into their fees but that only refunded from 2009, where I had been incorrectly charged after one month in 2008, plus the charges wern’t consistent with the £25 they allege to charge sometimes i was charges £32.50. I know the increases are not considerable however with them increasing the mortgage due to their SVR increases did they  1.    breach the terms & conditions of the mortgage contract. 2.    switched my mortgage to a SVR.   Any ideas appreciated.  
    • Thanks Dx, I’ll have to ask him if he wants to go any further and tbh I’m not sure he has anything kept, the claim form, etc. I’ll ask him tomorrow and see what he says or has.
    • opps no outside of the 33 days he had to pay it for it not too show sadly.   we are going to need far more info than what we have here now to even think of suggesting a set aside. this is compounded by the fact hat you say he totally ignored everything inc the claimform?   oh well time for you to get scanning. scan everything he has please  every letter, the lot.   one good point is we only need the front page of the claimform..not the complete pach from northants bulk.   please makes sure you redact things properly but leave times and dates etc. just remove his pers details, reg/pcn/ref numbers and any bar or QR code boxes. read upload  put everything in ONE MULTIPAGE PDF FILE ONLY please     the sad fact here is premier haven't ever won any CCJ's when cases are defended. they run away.
    • in their WS they state its a recon, [pages 1-10] urm something smells here for this to happen for an online 2012 signup.   pages 1+4+5 appear to be missing??   need to discover whats going on here  so scan up the pages 1-10 as clear non blurred uploads no good to us if we can see them   if you need to send them via the secure email then do so and i'll do it. but we need to see the text of all 10 pages very clearly to workout what they have done..   its better you look stupid infront of us than lose another case infront of a judge.  you only waste the forums time when you don't follow what has been already advised  esp when it runs the clock closer to a deadline - its 3 weeks we've been waiting for these docs now and what do we get..mostly blurred uploads we cant read...
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rogermeard

Blemain/Together strange statements worryingly!!!!!

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Hi, I have a secured loan that I got via Ocean Finance which turned out to be Blemain (now Together).

 

Amount £15k Term 180 Months

 

Taken out Jan 2007

End of term Feb 2022

 

I have always paid , no issues or missed.

Only change by me was a monthly payment date due to change of employer and salary into account.

 

I phoned the other month to change this again to a suitable date and was told I had to pay off arrears from previous change of date years ago??!!

 

They adjusted my monthly payment to cover the shortfall about £2.53 per month difference?

I didn't change the date this time either and stuck with it as per years gone by. That is it no other issues at all.

 

Happily ticking along I think great just 4 years to go,

however I had my statement today from them and it says in bold my current monthly payments will not cover the loan at end of term

 

I have paid exactly what was set out by the loan provider from start, its a 15 year loan end of surely.

 

I have paid £219.35 for 128 months and £221.98 for last 4 months and my balance is still £9105.11 which seems a lot as I only have 48 months left to go.

 

Never have I been contacted by them.

 

What is going on ?

 

Any help as this has knocked me for six.

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moved to the blemain forum.

 

I would suspect as with all ocean/blemain/together secured loans

you've collected numerous penalty fees because it was raining the day you paid or one of their other stupid reasons they make up for levying all manner of unfathomable fees.

that will be why its never going down now.

 

get a n sar running

get all the statements..

 

you are in for a shock me thinks..

 

but the good thing is they are aLL reclaimable


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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Its utterly terrifying,

I have paid already over £28.5K for a £15k loan but my statement only shows about £6k paid off over 11 years!!.

 

What are they doing to my account.

 

The statement just shows contractual payment due 25 Jan 18 £219.35,

on next line it says Interest charge (14.4%) 110.60,

then next line direct debit payment 2nd Feb £221.98 etc etc for the whole statement with a running total going up and down in far right column which shows a reduction each month of £100-115 off the capital

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is it SAR to Together or Blemain, I believe Blemain are Together now are they not?

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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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Thanks dx100uk, so just send it to Together as that's who administers my account and are actually still Blemain?

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doesn't matter


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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probably awaiting the SAR return?

was only sent a week ago


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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