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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
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      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Secured Loan with Blemaine dating 2001-2002


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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

 

 

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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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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

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when you became aware.

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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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. 

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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.

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  • 2 weeks later...

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.

 

 

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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

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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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!

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if they have it yes

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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  • 4 weeks later...

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

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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.

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