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Blemain - end of loan period and still owe £??k


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Hi

 

I'm wanting to get information from Blemain with regard to my loan.

It's due to finish later this year and they claim the current balance is approx £4.5K which won't be cleared by the payments!

 

I'm going to send a SAR but I'm not sure which template to use from the library.

There's

Full Subject Access Request

or

Debt or DCA Subject Access Request

 

I was going to use the "Full" one, but then the "Debt" one looks better as it specifically mentions insurance and additional charges.

 

Any help would be greatly appreciated.

 

Thanks.

BB

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dx100uk

Adapt either to suit your particular circumstances, dont forget the £10 fee

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http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**

 

 

I would say this one as it is a request for pretty much everything they have in respect of your financial relationship with them.

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  • 2 years later...

Hi

 

I'd come to the end of my loan period with Blemain and they reckon I still owe them over £7000!!

I rang them and it seems the balance is made up of a charge (house insurance) that was added at the start of the loan and it's been accruing interest all these years.

 

I can't remember agreeing to this and I've always had my own house insurance and wouldn't have taken out any through them as it would have probably been a silly price.

 

All this happened last year and I've kind of buried my head in the sand, and I received a letter last week saying they are still adding charges on every month, and my wife is getting stressed that I'm not dealing with it.

 

I previously did a SAR, but can't find the documents they sent.Can I do another SAR?

 

I'm pretty sure the documents didn't include anything about house insurance being added, I presume they should be able to produce it?

 

 

Thanks.

 

 

BB

 

I've been through other threads on here and it looks like I should to a SAR to Blemain/Together, is this the right thing to do?

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Has it ever shown on your annual statements over the years?

 

 

Andy

We could do with some help from you.

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old thread merged

did you ever get that SAR?

 

there is no legal requirement to have home insurance on a mortgaged home

only buildings insurance...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Has it ever shown on your annual statements over the years?

 

Andy

 

I'm pretty sure it didn't list it as a seperate item, from what I remember from the SAR I did, the charge was added in the first year of the loan

 

Yes I did get the SAR, but can't find it now :(

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Then it would be showing in the outstanding balance throughout the term/statements and listed as such...it cant suddenly appear at the end of the term.

 

Did you receive annual statements and renewals notification for this insurance throughout the term of the loan ?

 

Who is the company providing cover ?

 

Have you checked with them to see if Blemain have taken cover in connection with your loan ?

We could do with some help from you.

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  • 2 months later...

Hi

 

Got the SAR back.

 

The only documents that refers to the insurance

 

a - The account statement that lists all transactions for the whole loan

 

b - A kind of account log (that lists everything associated with the account, i.e. letters, phone calls etc).

 

In it there are 2 enties saying a letter

"-- BUILDING INSURANCE LETTER 1 SENT"

and "-- NO RESPSONE TO LETTER 1 - LETTER 2 SENT CHARGE £xxx

 

I've received the SAR from Blemain.

 

The insurance premium is referenced in 2 docouments

 

1 - A complete account statement (i.e. over the whole life of the loan).

 

2 - A kind of account log (list phone calls, letters, charges applied etc)

 

On the 2nd document here there's 2 entries for a letter being sent for buildings insurance, which I never got.

e.g. "-- BUILDINGS INSURANCE LETTER 1 SENT"

 

There's then an entry saying "-- PLACED ON BLOCK POLICY ON xx/xx/xxxx for £xxx - PREMIUM = £xxx INC £xxx ADMIN"

 

There's no document showing the insurance or which company it was taken out with.

 

Then 1 year after I must have got a letter about the insurance as I sent them my own policy.

 

They never asked for any insurance documents in the following years of the policy.

 

------

 

I've done through the documents and these are the charges/payments I'm not sure about

 

Buildings Insurance

Broker Fee

Legal and Doc fees

PPP Insurance (which was only valid for 3 years).

Charges for letters

Charges for phone calls

Settlement Quote charge

 

What's the next step forward? (they keep adding on interest charges)

 

They also claim in the SAR response cover letter they only started to save outbound correspondece in 2011, so letters before this may have not been provided.

 

How convinient :frusty:

Edited by dx100uk
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Buildings Insurance - have you proof you had your own building ins in the 1st year?

Broker Fee - fair game no

 

Legal and Doc fees - at what stage were these charged?

PPP Insurance (which was only valid for 3 years). - yes get reclaiming. https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=blemain+PPP+Insurance+&sa=Search+CAG

 

Charges for letters - yes get reclaiming

Charges for phone calls - yes get reclaiming

Settlement Quote charge - yes get reclaiming

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...
Buildings Insurance - have you proof you had your own building ins in the 1st year?

Yes, got a SAR/GDPR request back from my insurer at the time and it shows there was a policy in place on the date Blemain added their insurance, and had been in place for the previous 5 months (and the previous years).

 

 

Broker Fee - fair game no

Ah well!

 

 

Legal and Doc fee - at what stage were these charged?

This were charged at the start loan.

 

 

PPP Insurance (which was only valid for 3 years). - yes get reclaiming. https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=blemain+PPP+Insurance +&sa=Search+CAG

I'm not sure which of the 4 spreadsheets from here I should use to deal with the interest part of it (not the 8% simple interest bit)

Blemain were charging 9.8% and then 10.3% monthly on the total balance, am I allowed to claim this extra interest they have charged?

 

 

Charges for letters - yes get reclaiming

Charges for phone calls - yes get reclaiming

Settlement Quote charge - yes get reclaiming

 

 

I'm guessing they will have charged interest on these as well which spreadsheet should I use calculate? :???:

 

Can I then charge 8% simple interest on top of all this?

 

Thanks.

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Legal/docs then no

 

You use the foscisheet at their int rate

If the loan is still running. You cant claim stat 8%

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Here are the files I've created.

 

I've done 2 are there are different interest rates. The 2nd one has the values for the PPI and others to calculate the interest but they're not being included in the total charges.

 

Is this the correct way to handle the two different rates? The rate changed on 29/07/2007

 

Should I put the buildings insurance charges in as well?

 

Thanks.

FosCISheet v101 9.8% - No Buildings Ins.xls

FosCISheet v101 10.3% - No Buildings Ins.xls

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Avg the 2?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dx100uk Re: Blemain - end of loan period and still owe £??k

 

Avg the 2?

 

 

Good idea, it comes out at 10.05% which I'm going to round up to 10.1% as the lower rate was in place for 273 days and the higher rate for 4126 days! (I'm a kind person :smile:)

 

Can I put the house insurance on the same document?

 

Thanks.

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house ins?

you mean contents or building

or they made you have Both?

 

you don't HAVE to have contents ins to get a mortgage

the only thing legally that must be in place is Building ins.

 

lets just say this

you cant lump everything in ONE claim on ONE spreadsheet ...no.

 

charges [arrears/letter/failed dd/ phone call/debt management/its raining today FIXED sum PENALY fees will be ONE Claim.

 

Building ins will be a sep claim and sheet

 

contents ...sep claim sep sheet.

 

just looked at your sheets is PPP PPI?

the PPP you cant just put in ONE lump sum.

its a portion of your monthly repayment.

 

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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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then you MUST fill in the statint sheet as directed by that link I sent

and do that calculation

 

PPI was a % of EACH MONTHS payment.

you must enter that % on the date each month you paid it.

 

FOSCISHEET is ok for fixed sum penalty charges only.

 

is this mortgage still running?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes the mortgage is still running, though I'm not making any payments and they are still adding interest on every month.

 

Thanks for being patient, I'll do the spreadsheets tonight

 

Just to confirm my maths, the total of all upfront charges was (these were Broker Fee, Legal Docs, money to me) = £11788

PPP Insurance = £1739

 

So total loan = £13527

 

PPI % of total loan = (1739 / 13527) * 100 = 12.86%

 

Monthly payment = £177.27

 

So every month I can claim 12.86% of £177.27 which = £22.79

 

and I claim £22.79 on the stat int spreadsheet for each payment I made?

Edited by dx100uk
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date of payment/reason [PPI]/£22.79 [the three cols]

 

for each payment made

 

the spready does the rest bar you having to input claim from date

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 months later...

Hi

 

I sent off the 3 letters for PPI, Buildings Insurance and Charges.

 

They've come back saying that as the loan was sold via a broker any PPI mis-selling should be directed to them and not Together.

The broker is no longer trading (looks like they were disolved in 2009).

 

They suggest I contact the Financial Services Compensation Scheme, is this the only way forward?

 

Thanks.

 

BB

 

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go after the underwriters then.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Hi, I've had a response from Together about the charges and the buildings insurance.

 

Is it best to create another thread for one of them as they were sent as separate claims?

 

Thanks.

Edited by bunkbed
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