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Redstone Melanite redemption figure very excessive.


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I have just redeemed a mortgage with Redstone/Melanite.

 

I tried to get a breakdown of the redemption figure they gave my solicitor, rang them, wrote to them, but they have not broken down the figure.

 

I calculate that it is roughly £2,000 more than it should be. (I have arrears and many charges added). Luckily for me I have been able to pay all that they asked for.

The mortgage has been redeemed now but I am not going to let this go.

 

I have written to them five times since 28th August 2018. Not even an acknowledgement of my complaint letters, and no breakdown of the redemption figure.

 

I have contacted FOS and told them the situation, but I have to wait eight weeks for Melanite to respond.

 

They are completely inefficient and I think are not complying with the rules. I definitely can say that they are not open and clear with their dealings with customers.

 

I'm not sure what I expect from this post, but, wanted to get it off my chest anyway!

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they never sid

1000's of threads here on then

and all those charges are unlawful too

did they sting you for phantom building ins as well when you already had it and ppi? or mppi etc..

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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moved to the mortgage forum and re titled

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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Thanks dx

 

Yes they have charged for insurance, failed direct debits, £50 a month arrears fees, non-existent agents, anything they could think of they added onto the mortgage!

 

But not PPI, I never signed for that. But what is MPPI?

 

Also couldn't find other threads on Redstone, where are they?

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did you have building insurance already can you prove it?

if so reclaim the lot like PPI.

MPPI is mortgage PPI sometimes hidden

 

more later

 

type in redstone in the red top toolbar search cag box.

 

everything you list should be removed at their int rate!!

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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Had a look at other threads on Redstone, all more or less same as my experience.

What a company!! How are they allowed to carry on trading and ripping people off as they do.

 

I will add all charges etc. to spreadsheet and send it to them. With another letter listing all my concerns.

 

FOS have given me a name to send letters to, so that's what I will do

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Use the foscisheet

At their avg int rate

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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This thread had been resurrected very kindly by the site team and I am very grateful for any advice that can be given.  

 

I wrote to Melanite on 1st September 2018, had a reply on 31st October 2018.  They summarised my complaints and responded individually to them, I want to challenge their responses but not sure how to effectively.  

I have attached my letter to them.  Below is a summary of how they responded, I didn't want to make the post too long and drawn out so hopefully this explains

  

 

 

Their reply states that the fees have been applied fairly and they do not consider refunding these

 

The things that happened more than six years ago they unfortunately are unable to investigate. 

 

They follow rules dealing with complaints set out by FOS and is six years limited and consequently will not consider 

 

The charges they reviewed and consider  correctly applied

 

They couldn't find any evidence regarding District Judge complaint

 

And the SPO comment I made, they said that they will not comment on Redstone's actions

 

My complaint of the terrible way they handled the redemption was disappointing on their part and they have brought the matter to the attention of the team leader and it won't happen again

 

They offered £25 because they didn't respond to my letter querying the redemption statement 

letter for CAG.pdf

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good grief that reclaim letter waffles on about a whole lot of irrelevant information.

 

can we see their reply please rather than your interpretation.

 

 

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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Share on other sites

done it for you above

 

dx

 

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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Share on other sites

the 6yrs limit for complaining about reclaiming charges runs from when you became aware you could reclaim unlawful penalty fees etc, if  if you met that criteria, then any fees from day one of the mortgage are reclaimble.

 

how much did your CISHEET come to ? 

can we see it?
 

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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Share on other sites

so you didn't bother either in 2018 despite the advice?

 

dx

 

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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Share on other sites

what about the unnecessary building insurance?

 

but to be honest you are not going to ever seriously dent a £148k sum

 

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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Share on other sites

that is all over the place

very repetitive

and mentions things like:

the pre action protocol

and

the consumer credit act 

one of which is not applicable to a mortgage,

the other didn't exist in 2009.

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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