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rijohughes

Together Blenheim finance

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Hi all, I have a mortgage that started with Lancashire mortgages, this was taken over byTogether a couple of years back.

 

I had taken the mortgage out on a block of flats for £200k plus the £4k costs added by Lancashire mortgages.

No accounts were required and just a copy of a valuation I had paid for was used.

My story is that after a few missed payments due to financial difficulties and Lancashire Mortgages trying to repossess

I found the money to repay the outrageous charges and get back on track.

 

Today I received a letter telling me that I now owe £61,000 in outstanding fees, and the mortgage would not be paid as and when it should have.

I have been paying £2200 per month for the last 11 years and still owe £203,722 to date.

 

The charges include £500 per month arrears charge, issue of demands charges of £500 a time and the usual £35 per phone call and letters together with repossession charges added on top of the charges I had paid.

 

I have been given one month to pay in full!!

Could anyone help??

Many thanks for your time.

Edited by rijohughes
Misspelled title

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Good afternoon, yes the amount should have read £200,000.

Thank you for your reply.

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edited

 

so you first port of call is an sar get everything anyone that's deal with you hold.


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

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The CAG Interest Tutorial Read Here

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Good afternoon,

I received an up to date account statement from Together earlier today,

I have run the figures through the Compound interest calculator found within this group.

 

The figures show an amount of charges of £25,465.00 and an amount of compound interest £21,914.20 giving a total of £47,379.20.

 

Could you please tell me the next steps to take?

I was also wondering why Together are telling me the amount ourtstanding to bring the account in line with the original term is £61,498.92.

Thanks for your help.

Edited by dx100uk
spacing

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the spreadsheet only gives you a rough idea.

 

which did you use the CISHEET


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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don't usually find it that wrong

but is it GIGO causing the error?


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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Sorry but I'm not very good with computers, I was wondering if they had added something extra? otherwise I don't know where the shortfall is. I went through the list three times and marked up everything, Please let me know if there anything else I could try?

Thanks again

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well we've not seen your sheet nor the statements so we cant tell.


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.

 

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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well you've that part right.


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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so not list of fees or charges

somethings wrong here


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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Sorry, don't know what you mean, are they hiding something do you think?

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why are they not inc all those charges in their statements?

or are they a sep account within the mortgage?


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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for a full breakdown down + an sar.?

 

so where have you got all the charges from?


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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As mentioned at the top od the page it was due to financial difficulties, the payments are back on track as I have a good job and good tenants In the property. But I was aghast as to the amount of charges they have added.

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and as we all know T&C's can be challenged hence all the bank charges reclaiming and PPI reclaiming...

 

doesn't mean they are lawful


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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They haven’t mentioned how they arrive at the £61,000 they are now demanding, what are my next steps? Thanks

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if you've not got all the statements to be able to work it out yourself

you need to send an 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

spreadsheets 

 

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I emailed them a SAR on the 23rd Aug but haven’t had anything back yet, will let you know when anything arrives.

Thanks again

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