Unfortunately that is capstones. Get you in arrears and then keep piling on the charges and interest. Was the agreement made via court? If it was go back to the court and explain what capstones are doing and ask if they can instruct them to stop charging as agreement in place. This is part of the new FSA guidelines they are bringing in NOT to continue charging once agreement reached. Speak to the FOS about it and they will tell you if you have grounds to lodge an complaint with them

Have sent you a pm with an idea eie.

Just testing but it wouldn't let me have all of it as it has to be under 850 characters so it said. Have to get eie to tell us how to get it show all the time

Hi There are many threads on the dreaded Blemain as many of us have been unfortunate to get entangled with them. Did you make the request to change dates in writing? If you have all the paperwork and can afford to instruct a solicitor then go for it. After their recent appearance in court I'm sure they will not be too happy to get any more challenges. I have noticed I have been charged for calls I know I didn't get so it seems even if you don't answer they feel they can charge! If you haven't already done so send a SAR and specifically ask for copies of the phone calls. (didn't work when I last tried but worth a shot)

Hi Ignore the letter BUT keep it. Did the statement get mentioned in court? If so write to Blemain and remind them that court said they were to supply it. Do the sar though it should give you all the info you need. Specifically ask for the statement AND a stement of charges AND afull breakdown of the arrears. That should keep them busy lol

Thanks fretful

I don't know to be honest but the only way to find out is to ask. Can your Mum not get all the details to you?

Local court to your step dad's present address. Tell the court that you want to know how the charging order was obtained and where the court date info was sent to. If it was recent and you can show you did not receive notice I'm sure you can apply for a set aside. Are you sure it is Halifax who have the charging order and not some dca?

Hi Yes but make sure you state exactly what you want. Try to get all the details pertaining to the sale of the house........break down of charges, when it was sold how much for etc. I still think you should contact the local court tomorrow if possible to find out if there really is a charging order.

Hi If the charging order is on the present property then you need to contact your local court and check when it was obtained and what paperwork Halifax had. If you can go into the court they will be very helpful and tell you how to deal with it. I think that if you can show your step dad did not receive notice of the court date you may be able to apply for a set aside. The court will tell you. As the mortgage was in joint names it may be it was sent to his ex I'm not sure. I will try and get someone who knows more to come along.

Hi Not sure I can help and someone who can will be along soon. The mortgage shortfall would have become statue barred after 12 years and they would not have been able to collect on it unless your step dad had acknowledged the debt. They charging order would have been granted via court so your step dad must of recieved a court date for this. You need to check the timeline of events and gather all paperwork around this and then I'm sure there will be someone who can offer better advise. good luck

Hi You are thinking of the Financial Ombudsman Service. The FSA are regulators and they are clamping down on mortgage companies over issues like this at the moment. You have nothing to loose by making the complaint so go for it. I think you need to sit down and go through your finances and see where you can make savings to get you thruogh. You could also contact the National Debtline they are very good and will go through everything with you and give you sound advice. All the best.

hi Glad you got it sorted. It is always horrible and stressful when you get people like this but I think it shows she was trying to pull a fast one. In future I would always ask the customer to go round and inspect everything before you leave a job so that you are not leaving yourself open to this sort of thing again. Trading standards keep records of these things so if she tries it again she will be known. All the best midge61

Did they tell Blemain not to apply further charges?

Hi So long as you have records proving the times you have contacted the customer asking to view the damage I would do as TS have suggested. Get the claim form from your local court or do it via moneyclaim online and fill them in. She has no defence and as TS said she had no right stopping the cheque. It does seem as though she hasn't taken any proper advice and as though she is just trying her luck. If she HAD spoken to TS they would have told her that she should give you a chance to view the alledged damage and make good. My personal opinion is she was trying it on and now doen't know how to back down. Good luck

Hi kirkydee Glad you got some sound advise. It was a steep learning curb for us but unfortunately there are always people out theere that think they can exploit others who are just trying to earn a honest crust.

hi Send a subject access request along with £10, one to Blemain and one to the broker. they have 40 days to send all the info and then see what comes back. This will give you all the paperwork conected with your friends and then you can tske it from there. there should be key facts info included in it which would of explained everything,

CML don't seem too impressed with it though (what a surprise) Today the Council of Mortgage Lenders (CML) said that while it 'broadly' agrees with the proposed arrears handling legislation, it harbours reservations over the FSA's intentions for 'approved' advisers. CML director general Michael Coogan said: 'We will need time to consider the FSA's proposals properly. But at first glance, the extension of the approved persons regime to both lenders and intermediaries appears heavy-handed, at least as far as lenders are concerned, and may be a sledgehammer to crack a nut.' The stricter rules also state that firms must not add additional 'early repayment' charges on arrears.

Hi again Forgot to say do exactly the same with crapstones. Ask for a statement of arrears and refuse to talk over the phone only deal with in writing. I have been battling with both these companies for several years. When you get the statement go through it with a fine tooth comb........it will take ages to work out and again their charges amount to a lot. I did have some success with the FOS getting some of my charges refunded last year and have just made another complaint because they claim I have arrears when I don't............common practice for them once you come off your fixed rate! Good luck there are plenty of us with experience of both these companies so you are not alone.

For you to work out the true arrears go over all your bank statements and arrears are classed as missed contractual monthly payments, anything else will be their charges. If you know how many months missed just add it up. I'm sure it will be a lot less than they are claiming! If Blemain phone again refuse to answer the security questions and say you will only deal with them in writing as you need to keep records for court.........that will shut them up! I have even done the ........hang on I'll just get her and left them hanging on hehe

Just a thought but maybe you should call their bluff and tell them you have informed your insurance company and they want to send someone round to inspect the damage. That might make them think twice.

Hi My hubby had a similar problem when he was self employed landscaper. \You should ring Trading standards yourself they are very helpful. The customer should have shown you what they considered to be wrong and given you the chance to correct it first. that is what we were told. BUT if they are still not happy they have the right to have it redone at your expense. My hubby was a sole trader and unfortunately we were also told that not only could the customer have the WHOLE garden done at our expense but if anything went wrong in it we would be liable for the next 6 or 10 (can't remember which now several years ago)years so hubby had to go bankrupt! Trading standards also knew of the couple who did this to us as they had done it before to a window company but the law was on their side! I do hope you manage to sort it out but do get some advise.

Hi Don't hold your breath. they only have one type of filing cabinet there.......it's called the bin lol. They have a good habit of "losing" paperwork!

Hi Good luck for Friday. They won't get what they want I'm sure judge won't give eviction for such a small amount.

Hi Blemain charge £250 for passing it to Monarch and then £35 per letter and many other charges they then charge interest on these. They have to send out statements once a year on or near the loan anniversary by law. These are not the best to deal with and will avoid handing over info. they were also in the news recently BBC NEWS | Business | Five-year block on repossession i would get your friend to check the agreement and charge paperwork. Good luck