Jump to content
Twitter - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'

Fielder

Registered Users

Change your profile picture
 View Profile  See their activity

  • Posts

    268

  • Joined

  • Last visited

 Content Type 

Everything posted by Fielder

  1. Fielder
    I have attached a summary of the complaints I have Is it good enough to send or does it need more? letter Melanite.pdf
  2. Fielder
    No I didn't, in 2018 my laptop was unable to download open office. I have attached the ci sheet from 2017, with all the charges listed up to then. StatIntSheet v101 Charges V2.xls
  3. Fielder
    Hello dx I haven't done a cisheet, my old laptop doesn't have enough memory to download the open office. So I am unable to calculate
  4. Fielder
    Attached letter from them 2018-10-31reclaim reply .pdf
  5. Fielder
    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
  6. Fielder
    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
  7. Fielder
    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?
  8. Fielder
    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!
  9. Fielder
    I too have a mortgage with Redstone/Melanite, haven't had a letter saying I've been overcharged. I have been trying to get them to reconsider the nearly £7,000 of charges that have been added to my mortgage over the last ten years. The response I get from them is that I signed the mortgage agreement and so they are justified in charging me. I must have written to them four or five times over the past few years, when I became aware of the link Andyorch posted.
  10. Fielder
    I would like to be a able to prove that the loan was 'Unlawful', it was so badly managed and they charged me thousands in charges etc. So the total figure (if I could manage to prove so) would be over £10,000
  11. Fielder
    Hello Dx If I do pursue this through the court, and as you say I can argue my case. But, what frightens me is if I lose, the court charges will be my responsibility and they could be massive. So, I feel that I am stuck I have all the statements and paperwork I need to calculate how much I have been ripped off for
  12. Fielder
    I wrote asking them to tell me how much they paid the broker Freedom Finance. That's what they said wasn't available because of Data Protection. My claim has stopped because of six year time limit. I repaid the loan in 2007. Thought there maybe a chance with commission paid to broker.
  13. Fielder
    Well, I did think that they do have the paperwork. Because I received a reply to my SAR not too long ago. But I'm still at a loss as to how to proceed from here. Would it be worth contacting FSA? I am not sure they will help me, not really in their remit I expect.
  14. Fielder
    Had a reply from Blemain, letter says that they do not keep documents over six years because of Data Protection law. So, I do not have any hope. Although I do have many of the letters they sent to me. Reading through another thread someone mentioned that the FSA fined Blemain for mishandling accounts from 2004 to 2009. This is the period when I had my loan with them. The fact that they were fined for their actions during this period, I may be able to use this to my advantage. Not sure how I can use this, or who I can appeal to, court maybe?
  15. Fielder
    Because the issue is statute barred, I have been to a solicitor who specialises in consumer law. Solicitor has written letter for me to send. So ongoing! ! When I get a reply I will post on here.
  16. Fielder
    Hello Wp3, It's good to have you back, sorry to hear that you are still having problems and are still having to fight these people. Good luck, I am sure you will manage it. Fielder
  17. Fielder
    I too am very sorry to hear this news. I wish you both all the best x
  18. Fielder
    I am sure I heard on the news a week or so ago, that there has been a court decision regarding arrears added to the capital of a mortgage. And that this is illegal. I would really like to look into this a little further and try to understand it. I can't find any information!! I've looked through CAG posts, googled 'Court Decisions', but can't find any reference to it. Was it all just a dream? Did I imagine it?
  19. Fielder
    I'm devastated and ready to give up. I asked a solicitor who deals with consumer credit to advise me on this claim, solicitor tells me my potential claim is 'Statute Barred' time ran out in 2013. And to possibly have the chance to take it to court I would need to pay a barrister to look at the paperwork at a cost of up to £1,500. Solicitors fees of £500 also. Money I don't have, seems unfair that Blemain can take my money from me, make my life even worse that it should be and when I try to get it back I can't afford the cost to fight them, because Blemain have taken my money.
  20. Fielder
    Yes Peace, wouldn't that be wonderful?!!
  21. Fielder
    Hello, I am fine thankyou. Starting again on my research, getting there!! Thanks for your very encouraging and thoughtful message, I really appreciate your interest and support.x
  22. Fielder
    Thanks Releasusall, you made me cry calling me Braveheart, I don't feel brave at all. My life has been turned upside down after the very sad death of my husband. And thank you for the encouragement, it's what I need. I don't have a date for the court yet, I am still going through the paperwork and trying to decide how to word the application for the court. I feel I have to get it right. So no pressure then!!!
  23. Fielder
    Thanks Dx. Just been through the paperwork and looking at Wp3's thread. I want to have the loan regarded as Unlawful.
  24. Fielder
    Hello Wungus Today I am preparing paperwork and going to apply to court. I haven't done it before as my husband was seriously ill with cancer and I looked after him. I am apprehensive about going to the court, so trying to get all my paperwork together and the sequence of events clear again in my head. But, I am determined to see this through, all the anxiety they caused us over the last few years. I want to do this for my late husband, get some justice for us both.
  25. Fielder
    Thanks Andy, I will use MCOL, can't be bothered to go to Manchester I live in the south

Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:- 923 Finchley Road
London NW11 7PE

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...