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Loan Maker Broker/Advantage/ADV2/Paragon/MARS - Secured 2nd charge debt consolidation Loan May 2007 - still owe more than i borrowed!!


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you are reclaiming ANY UNLAWFUL FIXED SUM FEES and the interest they cost you (but the sheet does that for you!)..:frusty:

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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great

so add up my payments made to include in the case and letter , so i can say how much i have paid of the loan and why it shouldn't be at £24,000 more than the original sum i took out

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WHY?

totally irrelevant to a reclaim

 

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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IS IT?

thought it would show a judge / the company what i have paid? am i just showing whats been unlawfully added?

just want to see how ive got to such a high figure and high arrears 

The new company who have it - i get charged a £40 arrears fee on first of month then if i pay my payment i get the £40 refunded. Thats the only fee i am being charged that i can see,

yet on my monthly account summary under fees - the figure rises every few months and is at £520 now?

i cant seem to work out at all where its from unless its been from a couple of late payments or covid relief holiday

 

without adding any more on ( the £520 fees balance i cant work out above )

my balance on the CI sheet at 15.75% interest  ( lowest was 12.35% and highest  17.3% - its currently at 15.75% -  ive put it at that for the APR on sheet ) is £28,580.05 ( not inc the £520 fees )

mortgage summary last 12mts.pdf

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its not going before a judge at this point, its a speculative reclaim to your current mortgage provider.

you are reclaiming unlawful penalty fees.

so you've gotta findout over the history WHO and when you were charged these £480 pre 2023,

i also notice it went £480 to £520 up £40 nov 23. so you missed or were late then?

find the rest of the £520 in the history. they are the type of charges to put on the sheet.

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

yes ive worked it out , its the monthly arrears fee where they have forgotten to take it off

- been through all the statements.

There has been a couple of times that i paid on last day of month and their system hasn't registered it until after 12 so charged.

once ive updated this, where do i go with trying to contact them with it?

isn't all the interest and arrears charges to be questioned?

the figures are still highly inflated

below is a screenshot of one of latest figures

 

2023-12-31 mars summary - you have overdue payments.pdf

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why cant you name your uploads that 3 ive done today!

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

you send that CI sheet and a covering letter that you wish to reclaim them as they are unlawful.

as for the mortgage itself

you are one of 100'000's that are a 'mortgage prisoner'. (type that is a search engine.)

 

 

 

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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sorry about the uploads - hadnt realised i hadnt named them

 

I appreciate your help 

 

I will have to take to a solicitor and pay for some advice if anyone knows of anything

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The loan was for £35,000

its now £55,072

ive paid around £29,000 in fees

its been 17 years 

my payment each month doesnt even cover the interest payment. I am being charged interest on arrears and interest on principal separately . 

I am ready tp fight , i just need help

 

ive paid 

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  • dx100uk changed the title to Loan Maker Broker/Advantage/ADV2/Paragon/MARS - Secured 2nd charge debt consolidation Loan May 2007 - still owe more than i borrowed!!

just read the whole thread and its 211 posts over 15yrs

we've only seen 6 pages of what must be 100's of pages of statement from your sars to each lender that has had their fingers in this. and even those are not the full A4 page scan........ 

your 'reclaiming' should not only be for the last few years but back to day one on fixed sum fees.

its worthy to note section 9 of the agreement.

it specifically states they can charge additional interest on charges and post judgemental interest too. 

until/unless you get every statement its a dead duck doing this reclaiming.

i notice you indicated at some point there is equity in the home.

pers id approach halifax and ask to increase your mortgage to pay mars off using that equity.

you are never gonna be rid of them elsewise

agreement date 2007-06-14

25yrs @300 x £478.16 = £143,448.

dx

 

mortgage summary last 12mts (1).pdf 2023-12-31 mars summary - you have overdue payments (1).pdf 2016-18 statement.pdf mars 2019-2020 statement (1).pdf 2007-06-14 Advantage Signed Agreement.pdf 2023-12-31 mars summary - you have overdue payments.pdf

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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Hi

yes well i wouldn't be putting the hundreds of pages on here.

I have all paperwork from all lenders.

I didnt put a full a4 on as i was just showing you certain figures to check what to include.

I have gone back to day 1 and included all charges.

Since mars have owned it there has not been as many charges only the total of £580

i cannot see charges for moving lenders - these havent been disclosed if there was any charge at all.

I would like to hit them with this and a settlement figure.

 

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so from day one you now have every fixed sum penalty charge listed on the cisheet regardless to whom charged it and when?,

inc visit/letter sending/missed DD/over/late/arrears/phonecall/it's raining - your fault ?

 

 

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... 

Link to post
Share on other sites

upload your xls file

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

upload the .xls file not as pdf

as it never prints properly unless you rescale the page

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... 

Link to post
Share on other sites

thats good,.

now carefully check ALL those legal/sol/litigation fees

if they are around the time of any successful court stuff you cant reclaim those sadly but £23k is a good sum

rest looks good.

time to find a loan charges reclaim letter and get that sent off then.

and then the fun begins

not us too old excuse excuse.

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... 

Link to post
Share on other sites

  • 2 weeks later...

Do you have any good letters i can use , i need to make this as good as possible and have a solid argument.

Is there anything i can challenge too in court regarding the loan agreement , their conduct etc

When i was last in court just before paragon sold it to Mars capital

- the judge went to town on them for allowing such big arrears to mount up

- he gave a suspended possession order but he said their conduct was terrible.

I am happy to get a solicitor and go full on with this.

Ideally id like to come up with a settlement figure and be rid of it.

I will check the charges - so charges for court dates etc cannot be claimed right?

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Blemain Finance 2nd Mortgage Charges Reclaiming - i want my moneyback - Blemain Finance - Consumer Action Group

as long as any list sols/litigation fees are close too and RELATED to any REAL/ACTUAL COURT CLAIM you cannot, but random fees well outside of any court date are very questionable.

 

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... 

Link to post
Share on other sites

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