chrisking1962 v Blemain finance PPI

[midge61]

Hi chris

 

Well at least youve made me laugh on what seems to be a very dark night........hard not to let it all get to you.

 

We are al in this together against bloddy BF so I will forgive you.

 

Just this once mind!!!!!!!!

[groovycaz]

Mmmmmm

dont know why but i also thought you were a bloke midge, sorry...GC

 

 

its strange the image you have of people you havent met, ive made that mistake a few times on CAG. sorry again midge..GC

[chrisking1962]

better check this one then, hey groovycaz he or she;) caz could be caren, carol or maybe carl? on none of the above!!!!!

regards

chris (as in christopher)

[midge61]

you bunch of nutters lol

[chrisking1962]

you think were nutters! you want to see the guy in my mirror:D :D he looks just like me but taller (I wish)

lol

rregards

chris

ps. what does 'bump' mean

[midge61]

"bump"

 

is when you want your thread to go to the top of the list to get attention.

[groovycaz]

better check this one then, hey groovycaz he or she;) caz could be caren, carol or maybe carl? on none of the above!!!!!

regards

chris (as in christopher)

 

 

Ha ha ha caz as in carol, im also a lady, or so i like to think:D GC

[chrisking1962]

GC,

te hee hee:D I guessed with the way you said you thought Midge61 was a bloke!

anyway on with missions at hand!

Thanks for the 'Bump' thingy Midge61, and keep the joyful side going to look on the bright side, I'll do my best to keep you all smiling through the battles and as much encouragement as I can.

regards

chris (Bloke)

[jackiestandley]

Hi All,

 

Got a letter from Financial ombudsman this morning, seems they have written to Click Finance, who were the brokers that sold me the secured loan and PPI, they have advised them that they have to deal with the matter. I telephoned them and asked to speak to a manager, got told they were all in meetings and would call me back! you guessed it, NO CALL.

Blemain have now said that they will give me a full refund of my PPI if Click finance tell them that it was miss sold.

I am still going round in circles, because now Click will not respond to my calls or emails etc.

Seems I now have to give Click Finance 9 weeks to respond.

This all takes the biscuit ! I am feeling pretty down with it all, it is costing me a packet in letters and phone calls.

 

Has any one had any luck with getting their money back with Blemain or brokers yet?

 

I do not understand why the broker put us with Blemain in the first place, not knowing we just took their advice. But we had NO CCJ's or defaults or anything. Never missed a mortgage payment, in fact we have perfect credit rateings, it was just that we are self employed. No HP, No credit cards nothing. Just a very large house with a lot of equity.

Which saying that makes me now begin to wonder, is that what these firms are after!

 

Speak to you all shortly

Have a nice day

 

Jackie

[midge61]

Hi Jackie

 

Is it the FOS that have stated Click have 9weeks to deal with or Click?

 

I would give Click a couple more days and then phone the FOS and tell them you are bieng ignored.

 

Don't think there's much point talking to BF they won't do anything, I've been trying to get them to deal with my complaint since March and they just keep ignoring me!!! They are bloody useless.

 

Good luck

[jackiestandley]

Hi,

It was the Financial ombudsman that have said that I have to give Click for Freedom finance 9 weeks to respond.

I have just come off of the phone to them, even though it took me all afternoon to get to speak to a manager. Anyway, he has promised to get to the bottom of it and is going to call me back tomorrow afternoon. He said he is not happy about the fact that his department have failed also in that they never responded to my emails or rang me back.

So I am hopeing that it will be sorted asap, but I will not hold my breath!!

 

I told him that I have found others with grievences about Blemain and he was shocked, he was also not aware that they were not registerd with any one and had onlky recently registerd with the FISA or what ever they are called.

I have no reason to doubt the bloke as he seemed a very genuine type of person, especialy whebn I told him my daughter in law is a solicitor and that she has looked at the agreement with Blemain and found fault with it.

He seemed to agree with most things which I complained about.

 

Anyway will have to wait now and see what tomorrow brings.

 

It is raining buckets here and I have a thumping head, thanks to Blemain and Click, p'haps I should send them a bill now for my painkillers!! LOL :grin:

 

It is nice to know you are not alone in these matters as at times it makes you feel like throwing in the towel and letting them win, but then you have to stop and tell yourself that if we all did that these rogue companies would be laughing all the way to the bank

 

Not my week this week, hubby damaged my car accidently when reversing so haveing to wait for my motor insurance company now. Yet another problem for me to deal with. Daughter getting married, posh do, next March so busy now with that, . Also fighting home insurance company for pay out on mains water leak damage to our drive, getting run around from Norwich union over that. Problem is you only ever get through to a call centre in India. They never seem to know what you are talking about and ask for same info over and over. So had to phone London office this morning to sort that out.

Defenaetly NOT my week. I need a long hot sunny holiday now to recharge my batterys.:grin:

 

Take care.

Have a good day

Jackie

[jackiestandley]

By ther way Midge, How is Somerset at moment, we used to live in North Devon, moved up to Shropshire 15 years ago, HATE it!!!!

[midge61]

Hi Jackie

Im very close to the Devon border and it's been pelying down all day here with thunder and lightening.

 

You are having a bad week but as they say things can only get better:) .

 

At some point could you possibly say a bit more about what your daughter said about the agreement as this could be really helpful to the rest of us battling with BF.

 

Chin up and lets hope Click respond quickly but beware BF will not be so quick!

[jackiestandley]

My daughter states that there is no where in the agreement that says anything about early redemption charges, in fact there is no information about redeeming the account any where in the agreement. It should have a section some where, which states what you would be charged if you redeemed your account, eg, within first 3 years X amount, after 3 years X amount, if you know what I mean. You normally find it on most agreements and mortgages, but ours had nothing at all.

 

Hope that helps and makes sence.

 

You will also probably not find any reference to removeing the charge on your property either. BAD W e did get ours removed but only after a fight.

 

We also found that we never got anything back from BF to say we had actually repayed all of the loan, at least we have our bank statements etc to prove it. We requested a letter of confirmation but that never came.

 

Have a nice evening.

 

Jackie

[midge61]

Hi Jackie

thanks for that. I will check out what mine says about the charging order. Mine does have info about the early repayments but doesn't make sense to me.

 

I have had loans with them before and I never got any final paperwork when they were redeemed but I am awaiting their reply to my SAR so we shall see.

 

We've got sunshine now here, typical when I have sign on for work now:(

[groovycaz]

Hi all

got a bit of news for you, its the broker you go for, first check to see if they are registered with FSA, then if they are write to them with your complaint, its they who sold you your loan, PPI etc, they were paid a fee and its the Broker who is supposed to MAKE SURE that what they are selling you is THE BEST DEAL FOR YOU, as regarding PPI in many cases when you are self employed there are clauses which will prevent you from claiming and the broker MUST be sure that the policy they are selling you IS SUITABLE FOR YOU, they MUST TALK YOU THROUGH THE PRODUCT THEY ARE SELLING YOU so that THEY AND YOU ARE COMPLETELY SATISFIED THAT YOU ARE AWARE OF WHAT YOU ARE BUYING or ENTERING INTO before you sign anything, THEY MUST GIVE YOU A 14 DAY COOLING OF PERIOD AND NOT CONTACT YOU IN THAT TIME, i only had a short conversation with him but thats the jist of it, il find out more tomorrow, also i put into google 'complaints against blemein finance'

and they blogged all the complaints so if you have a google account you can access them...GC

[groovycaz]

Forgot to add

this guy sells insurance and also arranges mortgages, he said he always pays home visits to make sure the customer is completley aware of what they are buying and there is a form the customer must sign to confirm that the policy, loan contract, etc they are entering into has been fully explained to them, he said that that he is audited and this is a requirement for anyone in his line of work

[groovycaz]

Hey jackie

im also self employed and there was no reason for the broker to put me with BF, also no CCJs or adverse credit, although i did struggle to get finance for the property i was buying, the reason being, it was empty for 2 years and was trashed but had a lot of potential, semi commercial, large flat above shop where i now run my business, saved a fortune on the rent and rates for the facrory unit i used to have, so when your struggling you do just go for what you can get at the time and think to yourself il only have this loan for a couple of years then switch to a better rate and not aware of the redemption charges because theres nothing written in a way for us to understand so were buggered from the start...so to say..GC

[jackiestandley]

Hi Groovycats & Midge,

 

Should have a phone call later from the broker who sold me the whole lot, well his boss that is. Will post later with results of that call.

 

Midge, nothing at all on my agreement with regard to early redemptions.

 

speak later, may be lucky enough to have some good news but I doubt that will happen.

 

Jackie

[jackiestandley]

sorry Groovycaz, spelt your name wrong:???: Blame stress ETC !!!!!!! :grin:

[groovycaz]

Hey Jackie, no problem

was just thinking i like the name groovycats, might just change it, or use it somehow ha ha ha thanks for the idea...GCats

[midge61]

Hi jackie

 

Did they get back to you yet?

[jackiestandley]

They did but said they need to look at thir original paperwork.

They are supposed to get back to me again in the next day or 2 they can not see a problem

[jackiestandley]

Hi All,

I got a letter from Click finance yesterday. They say they are unable to uphold my claim against them as I agreed to the life cover they sold me.

Funny thing is that my loan agreemene does not say anything about life insurance, it says PPI. I did not know they were the same thing. They sent a copy of a form which they get every one to sign, It just says at the top, Ensuring your policymeets your needs. It says I ticked a box to say I have retained a copy of the policy summary, but where is that then? Never seen it. If I was purchaseing life cover then surely it would have been with a proper insurance company as are my normal life insurance policys.

Seems to me it is another cop out

[jackiestandley]

Fed up with it now and feel like giving up. No matter what I do or say it seems to me they will twist it in their favour.

Any advice?

 

Jackie