Secured Loan with Blemaine dating 2001-2002

[Tootles64]

Hello, 

New to this forum, so apologies if any of this has been covered.

 

I've recently put in claims for PPI (as have so many!) and in doing so had a SAR of my old bank, which revealed details of a secured loan with Blemain Finance on my old flat dating back to 2001-2002 

 

I have contacted Together Money but of course they say they no longer have the details. I have the account number, the address the charge was on etc etc

 

I wish also to reclaim all the extortionate charges they loaded up the loan with.

 

So, my questions are Do they really have nothing on me or are they fobbing me off?

Would I still be able to bring a case against them for the fees? and possibly PPI (which I'm 100% sure was on the loan)

 

Thanks for reading.

 

Tootles

 

 

[dx100uk]

might find these threads useful.

 

did you send blemain an sar too?

 

 

 https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Blemain won&oq=Blemain won&gs_l=partner-generic.3...364625.367100.0.367415.5.5.0.0.0.0.151.443.4j1.5.0.gsnos%2Cn%3D13...0.2467j1379475j6...1.34.partner-generic..5.0.0.QSu5zjFxMTo

[Tootles64]

Thank you, I have been reading through the threads. I have just sent an SAR to Together. Thanks again

 

 

[Tootles64]

What are the rules on reclaiming unfair charges when the loan is so old? Is there a statute of limitations? as in 6 years? I only just realised I had the loan when I got my SAR back from the bank, which was about 3 weeks ago. I had forgotten all about it....otherwise would have tried to claim ages ago!

 

Thanks again

[dx100uk]

when you became aware.

dx

[Tootles64]

Thank you, so that's basically from now? I don't hold out much hope of them digging out my papers and they've already said there are no records, but I will see what the SAR throws up. Thanks again

[Tootles64]

Together Money have informed me the account is too old to be SAR'd... Should I take them at their word? (by email)

 

thanks again

[determindator]

I would SAR Blenheim directly as I understand they will have the historic information,

[Tootles64]

I sent one to Together Money- who are Blemain I believe? 

Unless there's another address ? I sent one by post to the address on the Together site...

[determindator]

Together Financial Services Ltd have a different company registration number from Blemain Finance Ltd so I would send an SAR to a Director on here https://beta.companieshouse.gov.uk/company/01185052/officers and address the envelope to Blemain Finance Ltd. I do note the address is the same as Together. I'm sure historic loan agreements over six years old can be retrieved from their archives.

 

I can relate to this problem as I was told the same by a similar type of lender, I persevered as was sure this information is not wiped off their historic system after six years. 

[Tootles64]

Thanks I will send the SAR again to the Director (at the same address though)

 

Cheers

[Tootles64]

Update. Blemain still say all records destroyed. They've phoned me a few times but I won't speak to them prefer to keep it all in writing.

 

Sent the SAR to the director as advised.. Will see what that yields.

 

Thanks all.

[Tootles64]

Update. After being SAR'd Blemain write this:

 

Thank you for your request etc.

Your data falls outside of our retention periods which have been set in accordance with law and regulation. Your data has been ring fenced for deletion and is in the process of being destroyed as of the 26th April 2019. This explanation has been sent in accordance with guidance issued by the ICO

 

If you are not satisfied you can raise a complaint etc.

 

 

I have also got another letter saying they can't find any record of me and could I supply account number, address, date of birth. All of which I had previously.

 

I'm a bit confused as to why suddenly now they've located my data they inform me they are in the process of destroying it!

 

Any ideas what my next move is? I've asked for a certificate of destruction as they said previously they had already destroyed it..

 

Seems like they are telling porkies.

 

 

[dx100uk]

as they do.

 

as you've requested it

and they obv have it

they should not be withholding it.

 

go ring the ICO and tell them what is going on.

blemain have i'm sure already been castigated numerous times regarding withholding data they possess.

which they MUST give to you if they have it

[Tootles64]

Ok, I will do that.. How can something go from being non-existent to 'ring fenced' for destruction at a date that's already passed?

 

Will the ICO make them give up the goods?

 

hope so!

[dx100uk]

if they have it yes

[Tootles64]

Thanks.Just putting in the complaint now! 

Thanks for all the help

 

 

[Tootles64]

Update. They wrote again saying they were sorry that they'd sent me the  letter saying my data was ringfenced.. it was destroyed in april this year..

 

Do I believe them?

Can I get any further with this?

Have reported to the ICO

[determindator]

Glad you've passed to ICO, with copies of the correspondence between you and Blemain.

 

The person I know with same problem has sent the same to ICO.  It was acknowledged by ICO but needs chasing now as not heard anymore. This person had all the original Blemain info and correspondence for the loan, account number, amount borrowed, when credited etc. People are not being protected adequately enough by the bodies put in place to do that job. The ICO, FCA and more should have more legislative power over these powerful companies.