Posting on behalf of Dickie99 xx
Well... where do i start, Blemain Finance. I have never dealt with such a aggressive unhelpful company, i really do wish i never ever took out a second charged loan with them back in 2006 over 7 years.
Basically i have a high payment over a short term around £600 per mth, everthing was fine until i became ill and we had a reduce income each month, i contacted them straight away back in Feb 09 after a couple of months they kinda agreed a verbal agreement for a reduce payment for 2 months i believed we had PPI on the loan but is only covered life only which was basically useless!
So Blemain have began to play a very aggressive game called we take your house off you if you do not pay the full arrears and take you to court and evict you! Icontacted the FOS they as unregulated which i was unaware as i took the loan from a broker! They advised the FLA which i spoke to and made a complaint, as well as the OFT for aggressive debt chasing and not treating their clients was abit of respect in financial differculties..I also complaint about the broker selling a unregulated loan and mis selling PPI to us. Basically i called Blemain today after receiving a final demand or else! letter for £35...The "helpdesk" ( what a joke ) are unhelpul and the recoveries team well, they just bullied me into a state of despair. Is they anything i can do ?
Blemain will not extend the loan in order to reduce the payments, all they can say is sell your home or we will take it off you and the judge "quote, "will see you have defaulted" and we have acted fairly! The arrears are under £5000 however i do not believe this is correct and i have asked for a statement severals time..
I feel that they being aggressive with me is due to my complaints to them and outside financial concerns... Blemain appear to make their own rules the say one thing and do another... My mortage company advised i try to agreed a reduced payment and extend the loan over a long period until i on my feet..this was just brushed aside..
Please can you give me a point in the right direct, in order to fight this truly nasty company!!
The loan was taken out via Freedom finance in Oct 06 with PPI cover for £31000 over 7 years monthly payment is £598.92 per month.When I made a complaint via the FOS in July, Blemain sent copies of the terms and conditions highlighting "unregulated" loan which i sent direct to the OFT( I did not know the loan was unregulated and what it implied.) I kept all copies of all letters and emails. They agreed the arrangement verbally in Feb 09 they never put this in writing, i wrote a letter thanking them for accepting the lower payment of £150.00 per month. I do not appear to have a copy of anything other a two letters via my complaints that were finally answered in Aug 09 again they just mispresent everything. Blemain have now demanded £898.92 per month which is crazy they want their first payment on Monday 12th Oct...or they are taking legal action to "reprocess the property by inforcement" they frightened the life out of me...
Well... where do i start, Blemain Finance. I have never dealt with such a aggressive unhelpful company, i really do wish i never ever took out a second charged loan with them back in 2006 over 7 years.
Basically i have a high payment over a short term around £600 per mth, everthing was fine until i became ill and we had a reduce income each month, i contacted them straight away back in Feb 09 after a couple of months they kinda agreed a verbal agreement for a reduce payment for 2 months i believed we had PPI on the loan but is only covered life only which was basically useless!
So Blemain have began to play a very aggressive game called we take your house off you if you do not pay the full arrears and take you to court and evict you! Icontacted the FOS they as unregulated which i was unaware as i took the loan from a broker! They advised the FLA which i spoke to and made a complaint, as well as the OFT for aggressive debt chasing and not treating their clients was abit of respect in financial differculties..I also complaint about the broker selling a unregulated loan and mis selling PPI to us. Basically i called Blemain today after receiving a final demand or else! letter for £35...The "helpdesk" ( what a joke ) are unhelpul and the recoveries team well, they just bullied me into a state of despair. Is they anything i can do ?
Blemain will not extend the loan in order to reduce the payments, all they can say is sell your home or we will take it off you and the judge "quote, "will see you have defaulted" and we have acted fairly! The arrears are under £5000 however i do not believe this is correct and i have asked for a statement severals time..
I feel that they being aggressive with me is due to my complaints to them and outside financial concerns... Blemain appear to make their own rules the say one thing and do another... My mortage company advised i try to agreed a reduced payment and extend the loan over a long period until i on my feet..this was just brushed aside..
Please can you give me a point in the right direct, in order to fight this truly nasty company!!
The loan was taken out via Freedom finance in Oct 06 with PPI cover for £31000 over 7 years monthly payment is £598.92 per month.When I made a complaint via the FOS in July, Blemain sent copies of the terms and conditions highlighting "unregulated" loan which i sent direct to the OFT( I did not know the loan was unregulated and what it implied.) I kept all copies of all letters and emails. They agreed the arrangement verbally in Feb 09 they never put this in writing, i wrote a letter thanking them for accepting the lower payment of £150.00 per month. I do not appear to have a copy of anything other a two letters via my complaints that were finally answered in Aug 09 again they just mispresent everything. Blemain have now demanded £898.92 per month which is crazy they want their first payment on Monday 12th Oct...or they are taking legal action to "reprocess the property by inforcement" they frightened the life out of me...
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