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

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No

scan it up to pdf

read upload


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6 minutes ago, dx100uk said:

No

scan it up to pdf

read upload

 

Ok, will do that at lunchtime.

 

I was looking at the letter they sent and they refered to a phone call I made in 2016 regarding the charges and buildings insurance.

 

They've basically said that as they responded to this in 2016 I can now no longer take this to the FOS as it's now more than six months 😧

 

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Hi

 

Here is the recent letter and the one referred to in 2016.

 

I did a SAR to the company who were insuring the building at the time Together added their own and when I sent the claim I included a document that showed I had my own buildings insurance in place.

 

In both letters they say they wrote to me asking for proof of buildings insurance, but then go on to say that they don't have any letters regarding buildings insurance on record.

 

They did write to me in 2008 and I sent the buildings insurance back to them as I remember they were going to charge a stupid amount if I didn't, I would have done the same if they have sent letters in October and November 2006.

 

Also documents I received from the SAR (to Together) didn't include anything to show they have taken out an insurance policy or if they did who it was with, should they have sent this?

 

Thanks.

 

BB

 

Letter March 2019.pdf Letter March 2016.pdf

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without looking thru everything 

what date did you take out the secured loan?

what date did they add buildings ins?

 


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

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Reclaim mis-sold PPI Read Here

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1 hour ago, dx100uk said:

without looking thru everything 

what date did you take out the secured loan?   29/09/2006

what date did they add buildings ins?   01/02/2007

 

 

BB

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there should be record of them asking you about this at the time of application surely?

not 6mts later?

it was a condition you GOT the loan


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

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It was a condition of the loan that the property was insued but first time they mentioned buildings insurance was in 2008 and I sent the insurance off.

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then they are talking rubbish

when was your building insurance that you showed them at the time of takeout renewals date?

I will assume they must have recorded or copied it? and the agreement or accounts log has record they saw it then?

 

 


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

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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They didn't ask for insurance in 2007 and just applied their own.

The SAR didn't contain any letters or the insurance policy they took out from this time , very convenient 🤐

 

What's the next step forward?

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just type no need to hit quote..

 

urm...the original demands and needs sheet must show they checked you didn't have buildings ins before automatically applying theirs.

 

imho almost invalidates the whole agreement.

 

 

 


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

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The CAG Interest Tutorial Read Here

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This is the only thing in the SAR that refers to buildings insurance, I guess you'd call it an account activity log, is this what you meant by the original demands and needs sheet?

 

I didn't receive any of these letters, but can't see there's any way to prove that.

account log.pdf

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How many sar pages minus statements?


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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I'll count them and let you know.

 

Thanks.

 

BB

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