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

[dx100uk]

No

scan it up to pdf

read upload

[bunkbed]

6 minutes ago, dx100uk said:

No

scan it up to pdf

read upload

 

Ok, will do that at lunchtime.

 

I was looking at the letter they sent and they refered to a phone call I made in 2016 regarding the charges and buildings insurance.

 

They've basically said that as they responded to this in 2016 I can now no longer take this to the FOS as it's now more than six months

 

[bunkbed]

Hi

 

Here is the recent letter and the one referred to in 2016.

 

I did a SAR to the company who were insuring the building at the time Together added their own and when I sent the claim I included a document that showed I had my own buildings insurance in place.

 

In both letters they say they wrote to me asking for proof of buildings insurance, but then go on to say that they don't have any letters regarding buildings insurance on record.

 

They did write to me in 2008 and I sent the buildings insurance back to them as I remember they were going to charge a stupid amount if I didn't, I would have done the same if they have sent letters in October and November 2006.

 

Also documents I received from the SAR (to Together) didn't include anything to show they have taken out an insurance policy or if they did who it was with, should they have sent this?

 

Thanks.

 

BB

 

Letter March 2019.pdf Letter March 2016.pdf

[dx100uk]

without looking thru everything 

what date did you take out the secured loan?

what date did they add buildings ins?

 

[bunkbed]

1 hour ago, dx100uk said:

without looking thru everything 

what date did you take out the secured loan?   29/09/2006

what date did they add buildings ins?   01/02/2007

 

 

BB

[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

[bunkbed]

It was a condition of the loan that the property was insued but first time they mentioned buildings insurance was in 2008 and I sent the insurance off.

[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?

 

 

[bunkbed]

They didn't ask for insurance in 2007 and just applied their own.

The SAR didn't contain any letters or the insurance policy they took out from this time , very convenient

 

What's the next step forward?

[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.

 

 

 

[bunkbed]

This is the only thing in the SAR that refers to buildings insurance, I guess you'd call it an account activity log, is this what you meant by the original demands and needs sheet?

 

I didn't receive any of these letters, but can't see there's any way to prove that.

account log.pdf

[dx100uk]

How many sar pages minus statements?

[bunkbed]

I'll count them and let you know.

 

Thanks.

 

BB

[dx100uk]

open

[bunkbed]

7 minutes ago, dx100uk said:

open

 

Thanks for re-opening this.

 

The current situation is I got the PPI refunded, but not the charges or the insurance.

 

I sent a SAR in April this year, to see if there was anything new on the account, the SAR specifically mentioned only items since the last SAR.

They phoned asking what the SAR was for, I said for any new information on the charges and information.

 

They didn't send anything within the one month timescale, so I reported them to the ICO.

 

Then out of the blue I got a letter saying they had reviewed my account and they were refunding me some interest applied to my account due to then "failing to keep you informed of the balance that is off schedule accruing on your account".

I think this means the monthly interest they've been adding to the balance each month since the my payments stopped.

 

I've calculated the total of charges and compounded interest using the spreadsheet in the library and I'm going to send this with a letter asking for the charges to be refunded.

 

Should the letter make any reference to the interest they've recently refunded?

 

If they ignore my request or say the charges are legal, then is my step to issue a letter before action and then take it to the small claims court?

 

Thanks.

 

BB

[dx100uk]

All correct..

 

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

[bunkbed]

33 minutes ago, dx100uk said:

All correct..

 

Thanks, I'll get the letter sent out.

 

 

34 minutes ago, dx100uk said:

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

 

They offered just the original value as a full and final, I was so shocked that I accepted it

[dx100uk]

Scan the ppi up lets see if they short changed you

 

[BankFodder]

open

[bunkbed]

Hi

 

Thanks for the re-open.

 

I finally got round to sending a letter claiming the charges back (which I might have sent before!).

This is their reply.

 

Quote

Thank you for your recent query in relation to the above account within your letter dated 9th December
2021.
You have raised your concerns about the charges applied to your account and that you feel these are
unlawful and unfair under the Unfair Terms and Consumer Contracts Regulations (UTCCR).
We have replied to these concerns which were raised as a complaint and responded to in our response
letter dated 25th March 2019. We were unable to uphold your complaint and our position would remain
unchanged as we were unable to agree that the charges are unlawful or unfair under UTCCR. If you
were unhappy with our response, you had the right to refer your complaint to the Financial Ombudsman
Service (FOS), free of charge, but you must do so within 6 months of the complaint response. This can
still be raised to the FOS but if this is outside the 6 month time frame the FOS may be unable to
investigate.
We're always happy to help so if you have any questions about the information provided above please
contact our Customer Operations team on the number provided, we're here 9am - 5.30pm Monday to
Friday.

 

Do I need to refer this to the FOS or do I go straight to a Letter Before Action?

 

Is there a board or thread on here that details what the Small Claims process is?

 

Thanks.

 

BB

[dx100uk]

You are outside of 6 mts.

 

dId you stop paying?

 

 

[bunkbed]

Yes, I stopped paying them once the loan period was up.

 

They've been adding interest since then, but no more charges.

[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

[bunkbed]

I stopped paying in (I think) 2017 and they've never threatened to take me to court in all that time.

They still have a charge registered against my house, maybe they're playing the long game and hoping I sell so they can make a claim then.

 

Is it now too late to take them to court?

 

[dx100uk]

Sole owner, or joint?