Blemain/ Together

[dx100uk]

if you have all the statements ...

knock up a spreadsheet as most of the blemain threads here already and put in a reclaim against them all.

 

 

[dx100uk]

no fixed sum penalty charge is lawful, so thus the interest charged on these fees is also unlawful and reclaimable.

 

as for insurances, the only thing that must be inplace is building insurance.

sadly if you didn't have that they are entitled to charge it.

 

 

dx

 

[dx100uk]

the agreement says nothing of the sort, that's the T&C's you are reading

and if everything in a T&C were correct they'd have been no PPI reclaiming nor historic bank charges reclaiming which is what created CAG 10+yrs ago.

 

i suggest you get upto speed by reading as many other blenmain threads as you can in the forum your thread is in.

 

get upto speed...

 

https://www.consumeractiongroup.co.uk/forum/290-blemain-finance/

 

dx

 

 

[dx100uk]

Few solicitors are conversant with reclaiming.

Be careful you dont throw good money up a wall.

 

Everything you need is already here .

 

Dx

[dx100uk]

very few though many never return to tell us

 

https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=blemain won&oq=blemain won&gs_l=partner-generic.3...39372.44166.0.44453.11.11.0.0.0.0.84.664.11.11.0.csems%2Cnrl%3D13...0.4792j2965186j11...1.34.partner-generic..9.2.147.LgIgArSbER4

[dx100uk]

did you inc your spreadsheet?

dx

[dx100uk]

so how have you come up with the figures you quoted?

 

[dx100uk]

why are you talking to these fleecers on the phone?

 

if the balance is solely unlawful penalty fees+the int those created, then you don't owe anything.

[dx100uk]

ruddy fleecers.

next time they ring

put the phone down stating writing only.

 

don't waste money on recorded post..as they don't have to sign for it now in covid restrictions anyway

just use 1st class and get free Proof of posting from the PO counter.

 

as the AC is still 'active'

i would use the FOSCISHEET

 

part their int rate in cell D15

enter EVERY fixed sum penalty fee in the sheet  on the date it was charged.

that will give you an accurate running figure that increases everyday until/id they are stupid enough to take you to court.

 

is this debt mention by a security entry on your deeds?

 

 

[dx100uk]

Fos wont side with you on unlawful charges i doubt but let it run

 

can i just check this is or is not now secured on your property??

 

 

[dx100uk]

you say this is a secured LOAN, NOT a mortgage?

what are they doing charging you building insurance in conjunction with a secured loan?

 

please type out (minus anything that can ID you)

all the entries on your deeds that state blemain in them.

 

dx

 

 

 

[dx100uk]

can you please answer my question?

 

dx

[dx100uk]

On 20/10/2020 at 14:12, dx100uk said:

you say this is a secured LOAN, NOT a mortgage?

what are they doing charging you building insurance in conjunction with a secured loan?

 

please type out (minus anything that can ID you)

all the entries on your deeds that state blemain in them.

 

dx

 

 

 

 

[dx100uk]

a secured loan does not require building insurance, only a mortgage agreement can dictate that

nor PPI

nor any penalty / arrears letters and all the the other fees.

 

you'd do better to start a complaint with them about the mis selling of the buildings ins

 

the FOS will also go with that.

 

land registry is your deeds.

[dx100uk]

not it's the other way around

there is nothing, legally, that states they can charge it!

 

 

[dx100uk]

a secured loan does not need building insurance.

you've been scammed.

 

you would already have that on your main mortgage anyway...

you don't need it twice!