Blemain - end of loan period and still owe £??k

[dx100uk]

old thread merged

did you ever get that SAR?

 

there is no legal requirement to have home insurance on a mortgaged home

only buildings insurance...

[dx100uk]

Buildings Insurance - have you proof you had your own building ins in the 1st year?

Broker Fee - fair game no

 

Legal and Doc fees - at what stage were these charged?

PPP Insurance (which was only valid for 3 years). - yes get reclaiming. https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=blemain+PPP+Insurance+&sa=Search+CAG

 

Charges for letters - yes get reclaiming

Charges for phone calls - yes get reclaiming

Settlement Quote charge - yes get reclaiming

[dx100uk]

Legal/docs then no

 

You use the foscisheet at their int rate

If the loan is still running. You cant claim stat 8%

[dx100uk]

Avg the 2?

[dx100uk]

house ins?

you mean contents or building

or they made you have Both?

 

you don't HAVE to have contents ins to get a mortgage

the only thing legally that must be in place is Building ins.

 

lets just say this

you cant lump everything in ONE claim on ONE spreadsheet ...no.

 

charges [arrears/letter/failed dd/ phone call/debt management/its raining today FIXED sum PENALY fees will be ONE Claim.

 

Building ins will be a sep claim and sheet

 

contents ...sep claim sep sheet.

 

just looked at your sheets is PPP PPI?

the PPP you cant just put in ONE lump sum.

its a portion of your monthly repayment.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?318646-PPI-Single-Premium-Your-questions-answered(1-Viewing)-nbsp

[dx100uk]

then you MUST fill in the statint sheet as directed by that link I sent

and do that calculation

 

PPI was a % of EACH MONTHS payment.

you must enter that % on the date each month you paid it.

 

FOSCISHEET is ok for fixed sum penalty charges only.

 

is this mortgage still running?

[dx100uk]

date of payment/reason [PPI]/£22.79 [the three cols]

 

for each payment made

 

the spready does the rest bar you having to input claim from date

[dx100uk]

go after the underwriters then.

[dx100uk]

No

scan it up to pdf

read upload

[dx100uk]

without looking thru everything 

what date did you take out the secured loan?

what date did they add buildings ins?

 

[dx100uk]

there should be record of them asking you about this at the time of application surely?

not 6mts later?

it was a condition you GOT the loan

[dx100uk]

then they are talking rubbish

when was your building insurance that you showed them at the time of takeout renewals date?

I will assume they must have recorded or copied it? and the agreement or accounts log has record they saw it then?

 

 

[dx100uk]

just type no need to hit quote..

 

urm...the original demands and needs sheet must show they checked you didn't have buildings ins before automatically applying theirs.

 

imho almost invalidates the whole agreement.

 

 

 

[dx100uk]

How many sar pages minus statements?

[dx100uk]

open

[dx100uk]

All correct..

 

Well done on ppi. Did you get int on that?

[dx100uk]

Scan the ppi up lets see if they short changed you

 

[dx100uk]

You are outside of 6 mts.

 

dId you stop paying?

 

 

[dx100uk]

Then simply ignore them if the outstanding balance is all their bogus stuff.

Let Them take you to court where everything will be exposed free to you to a judge.

 

DX

[dx100uk]

Sole owner, or joint? 

 

 

 

 

[dx100uk]

Then they dont need to do court

the sum will have to be paid upon sale..

 

Not too sure if there many successes here with ins/charges claims against these fleecers

 

Dx

[dx100uk]