Blemain(Un)Together Secured Hell

swampduck · 21 May 2017 at 5:35PM

Have you looked into whether or not you have claim under the unfair relationship scenario?
Cases are starting to be brought against companies such as Blemain who charged exorbitant fees and other things such as brokerage charges.

Swampy

moneymeltdown · 27 May 2017 at 7:52AM

patman99 wrote: »

You might have a case to claim back the buildings insurance as you had purchased your own in order to comply with the loan agreement.

A couple of years back I had something similar where I ended-up with two insurances. I contacted the second policy issuer and they told me that it is not legal to have two policies to cover the same set of contents or the same building. Therefore they would refund me the premiums I had paid as part of the loan.

I would suggest that you write to Together and inform them that you wish them to refund the buildings insurance payments as you already had cover that predated their policy start date, therefore voiding their policy set up in your name.

If they refuse, then a lba might be the next logical step.

I asked them about this and was told I have to prove I posted my insurance documents (way back in 2007) with my recorded delivery proof of postage! They of course have NO record of anything there...

they are ridiculous!

moneymeltdown · 27 May 2017 at 7:53AM

swampduck wrote: »

Have you looked into whether or not you have claim under the unfair relationship scenario?
Cases are starting to be brought against companies such as Blemain who charged exorbitant fees and other things such as brokerage charges.

Swampy

thanks for your advice Swampy, I will be looking into this asap!

moneymeltdown · 5 January 2018 at 3:10PM

I've recently received a "loan past term" letter containing the remaining balance owed to Together. It says

"As you will be aware, your account with us has now reached the end of the original contractul term. As your monthly repayments have not been sufficient to fully repay the balance, the outstanding amount above is now due. This may be due to late payments, payments being missed or the application of administration costs to the loan."

Well of course there is a hige outstanding balance, no doubt consisiting entirely of excessive and over inflated charges created by Blemain/Together!

Would anyone be able to offer any advice on what my next step is here?
I've requested an up to date charges breakdown. Thank you!

National_Debtline · 5 January 2018 at 3:34PM

Hi moneymeltdown

It sounds like you're going to need some specialist advice on this one. Whilst you may be able to argue an unfair relationship with the lender, it's a complicated area. Plus now the end of the term of the loan has been reached there is a risk of Blemain/Together taking repossession action if an agreement is not reached over the remaining balance.

You can talk this through with one of the free debt advice agencies but it is very likely you will need legal advice on the unfair relationship issues. It could also be worth checking if your local Trading Standards can offer advice. Good luck with it all.

Susie
@natdebtline

[Deleted User] · 5 January 2018 at 3:42PM

There is a lot of feedback on these charlatans on the consumer action group forum, someone may be able to help / advise.

Was your loan interest only or repayment ?

moneymeltdown · 5 January 2018 at 3:48PM

BBH123 wrote: »

There is a lot of feedback on these charlatans on the consumer action group forum, someone may be able to help / advise.

Was your loan interest only or repayment ?

thanks for your reply BBH, yes I am looking over on CAG. The loan was repayment.

I'm SAR-ing them

moneymeltdown · 5 January 2018 at 3:51PM

National_Debtline wrote: »

Hi moneymeltdown

It sounds like you're going to need some specialist advice on this one. Whilst you may be able to argue an unfair relationship with the lender, it's a complicated area. Plus now the end of the term of the loan has been reached there is a risk of Blemain/Together taking repossession action if an agreement is not reached over the remaining balance.

You can talk this through with one of the free debt advice agencies but it is very likely you will need legal advice on the unfair relationship issues. It could also be worth checking if your local Trading Standards can offer advice. Good luck with it all.

Susie
@natdebtline

thanks Susie, I appreciate your help. Would they really try a repossession over the remaining balance? It's a fraction of the cost of the original loan (and the equity in my property)

National_Debtline · 5 January 2018 at 5:38PM

Hi there again

Is there any mention of repossession in the letter they have sent you? If not, it may not be something they are actively considering at the moment. It is hard to say what they will do in the longer term though. It's best to bear in mind repossession is an option, and to seek specialist advice on the unfair relationship issues as soon as you can.

Susie
@natdebtline

suffeing · 5 February 2018 at 12:22PM

I cant believe in the early post replies you were being told its perfectly legal to over charge you and add interest on it. This company has a bad history of unfair chargies and part of its company and Cheif executive have been fined over £1.25 million pounds and its well documented.
Anyone who has had any dealing with the Blemain group should carfully check their statements and challenge everything
P.S The unfair relationship law which replaced extortion is useless as the spineless judges have failed to impliment it in and set a president.

Blemain(Un)Together Secured Hell

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