Blemain say I owe them Money - Can I reclaim charges

[citizenB]

Once you have completed your spread sheet you need to take copies for your own records and just in case you have to escalate to the ombudsman. Just enclose a copy of your spread sheet with a covering letter to the company's head office asking for them to refund you.

 

Send by tracked mail.

[mrmickey]

Once you have completed your spread sheet you need to take copies for your own records and just in case you have to escalate to the ombudsman. Just enclose a copy of your spread sheet with a covering letter to the company's head office asking for them to refund you.

 

Send by tracked mail.

 

I did not need to input the charges into the spreadsheet, they already sent a breakdown of charges to me in initial letter. I should send that back to them and say these charges are unlawful?

[dx100uk]

Did they include the int each charge has cost you then?

Dx

[mrmickey]

They have added a seperate charge for interest

 

I was reading other forums and a lot of people are saying the charges are lawful?

[dx100uk]

codswallop

no 'penalty' charge are lawful.

 

 

sri I was a small screen earlier

 

 

you need to put each charge on its own row in the statint sheet

you are entitled to statint @ 8% on any unlawful penalty

until they settled.

 

 

dx

[mrmickey]

Hello,

 

What is the stanint sheet? Is that the spreadsheet mentioned earlier?

 

Once the charges are calculated with interest, what is the process? I presume asking them for charges back as they are unlawful will not work, I presume there is a more sophisticated method?

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

[mrmickey]

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

Thank you, by the way, the PPI has already been claimed back on this

[mrmickey]

ok, this has been calculated. Anyone care to guide me through next step?

[dx100uk]

attach your spread

 

 

all you need now is a covering letter

 

 

dx

[webbscatering]

MrMickey

can you tell me what charges you are asking back as I am about to start my claim for a refund,

 

Cheers

Webby

[mrmickey]

Any idea on what covering letter to send?

 

If I send them a letter saying, I have been charged xx and these are unlawful, I'm pretty sure the next reply from them will be " they are not " or something to that effect

[mrmickey]

I have stalled on this for a while but I want to get it out of the way

 

Any idea on what covering letter to send?

[dx100uk]

don't forget the search cag bit in the red top bar

 

 

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=mortgage+charges+covering+letter&sa=Search+CAG#gsc.tab=0&gsc.q=mortgage%20charges%20covering%20letter&gsc.page=1

[mrmickey]

don't forget the search cag bit in the red top bar

 

 

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=mortgage+charges+covering+letter&sa=Search+CAG#gsc.tab=0&gsc.q=mortgage%20charges%20covering%20letter&gsc.page=1

 

 

this wasn't a mortgage, it was a loan. Does it still apply?

[dx100uk]

whats the diff between a secured loan and a mortgage?

 

 

dx

[suffering]

Any idea on what covering letter to send?

 

If I send them a letter saying, I have been charged xx and these are unlawful, I'm pretty sure the next reply from them will be " they are not " or something to that effect

 

The charges only have to be unfair not unlawful, but you have to do your homework and find them (they are there)

[mrmickey]

The charges only have to be unfair not unlawful, but you have to do your homework and find them (they are there)

 

I have a breakdown of charges in my SAR

 

A lot of charges are missed payment fee's, telephone, letter fee's etc

[webbscatering]

I have a breakdown of charges in my SAR

 

A lot of charges are missed payment fee's, telephone, letter fee's etc

 

can you claim back the charges for interest on arrears?, what seemed odd is I was ordered to pay £50 per month off my arrears but they then added something in the region of £450+ per month in these interest charges.

[dx100uk]

you can reclaim the arrears charges, visits, letter, phone, debt visits any fixed sum penalty fee

all at their int rate

use the CISHEET

[suffering]

Another thing they do, is charge a penalty i.e letter or phone then add it to your debt and charge you interest on it this deemed unfair and often missed, so the penalty of say £35 could easily double over a few years

[mrmickey]

Another thing they do, is charge a penalty i.e letter or phone then add it to your debt and charge you interest on it this deemed unfair and often missed, so the penalty of say £35 could easily double over a few years

 

Yes, I have all that in spreadsheet, what I'm struggling with is a covering letter to send them?

 

Surely saying these charges are unlawful etc they will just throw it in the bin, I'm sure plenty of people complain about the charges

 

Maybe I'm missing something here, what should the covering letter contain?

[dx100uk]

mortgage section of the library

 

 

dx

[suffering]

Good advice dx100uk here's the direct link:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?390026-Mortgages-Reclaiming-Charges-**Correct-as-at-October-2013**

[mrmickey]

I paid over £400 in arrears the other day, and they sent me a final settlement figure of circa £2.7k, which probably mostly consists of charges now

 

There was also a mention of buildings insurance, I don't remember this?

 

Any ideas? I keep dragging my feet on sending them a letter regarding charges, but I presume it's not as simple as " You charged me this, I want it back "