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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

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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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 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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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 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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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 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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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 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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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 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 years later...

open

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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7 minutes ago, dx100uk said:

open

 

Thanks for re-opening this.

 

The current situation is I got the PPI refunded, but not the charges or the insurance.

 

I sent a SAR in April this year, to see if there was anything new on the account, the SAR specifically mentioned only items since the last SAR.

They phoned asking what the SAR was for, I said for any new information on the charges and information.

 

They didn't send anything within the one month timescale, so I reported them to the ICO.

 

Then out of the blue I got a letter saying they had reviewed my account and they were refunding me some interest applied to my account due to then "failing to keep you informed of the balance that is off schedule accruing on your account".

I think this means the monthly interest they've been adding to the balance each month since the my payments stopped.

 

I've calculated the total of charges and compounded interest using the spreadsheet in the library and I'm going to send this with a letter asking for the charges to be refunded.

 

Should the letter make any reference to the interest they've recently refunded?

 

If they ignore my request or say the charges are legal, then is my step to issue a letter before action and then take it to the small claims court?

 

Thanks.

 

BB

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All correct..

 

Well done on ppi. Did you get int on that?

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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33 minutes ago, dx100uk said:

All correct..

 

Thanks, I'll get the letter sent out.

 

 

34 minutes ago, dx100uk said:

Well done on ppi. Did you get int on that?

 

They offered just the original value as a full and final, I was so shocked that I accepted it ☺️

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Scan the ppi up lets see if they short changed you

 

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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