welshperson3
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Hi searching 70 In the post above the augment is basically about how high the interest rate was, and I don’t think any argument about how high Blamains interest rate is will get anyone anywhere. If you look at Blemains loan agreements they are usually variable interest rates. Now what I have found an issue with is the word variable, Blemains idea of variable interest, as stated in their agreements, says that the interest can go up above what your initial interest rate was, but it can never fall below what your interest rate was when you signed up to the agreement. This is about an unfair term as I think anyone can imagine, this term can only benefit them, Think of it like this, Blemain borrow money from the bank at a variable interest rate to lend to you. The bank drops the interest rate blemain are borrowing money at, blemain don’t pass on the interest rate cut and effectively make a lot more profit. If the bank that Blemain borrows money from to lend to you puts up the interest rate, then blemain puts up the interest rate you pay effectively keeping their profit margins. The unfair terms in consumer contracts regulations were written for exactly these type of one sided terms in agreements. Wp3
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I started this thread with the hope that it will turn into a good source of information about what to do if Blemain start court proceedings for possession of your home. There is no quick and easy answered to this problem as there are different types of loan agreement and different rules apply to these agreements, a few of the more conman ones listed below. CCA regulated Unregulated Bridging loan First charge mortgage Now the first thing I would like to discuses relates to a CCA regulated agreement. One thing that is required BEFORE starting court proceedings is a default notice DN, the DN Blemain send out is non compliant with the rules, what this means is that they have no right to start court proceedings. A faulty DN doesn’t mean you get the loan written off, it doesn’t mean Blemain cant start all over again with a new DN. What a faulty DN means for you is that it will give you some time to sort your self out, YOU CAN ALSO CLAIM YOUR COSTS, BLEMAIN WONT BE ABLE TO ADD THEIR COSTS TO YOUR LOAN. If Blemain have got a suspended possession order on your home and they have got it after issuing a DN like the one I post up for all to see, if you really want to you can go back to court and get it removed. ( I GOT MINE REMOVED) Now if blemain are going for possession of your home and you already got a suspended possession order, then you need to bring the faulty DN to the attention of the judge (they cant have possession without following the rules and one of the rules are that they send out a CCA compliant DN) This bit is were it gets messy What if Blemain went to court and got possession, take someone’s home, all without the right documents. Legally they were never entitled to go to court and claim possession. This would have defiantly happened because Blemain sent out thousands of faulty DN (they were a standard computer generated document) If Blemain repossessed your home after issuing you with a DN like the one I post up then I strongly recommend you research what I am saying, you maybe entitled to a lot of money back. (CCA regulated loans only) Why were the default notices faulty? The consumer credit act sets the rules for CCA regulated agreements, and one of the rules say they must issue you with a default notice, and another rule says exactly what is required to be written in the DN, Blemain have never been bothered with things like rules, so they decided to leave out parts of the DN which would have helped you, A particular paragraph that must be included in a DN is the following. The following is a prescribed paragraph and is missing fron Blemains DN A statement in the following form— "IF YOU ARE NOT SURE WHAT TO DO, YOU SHOULD GET HELP AS SOON AS POSSIBLE. FOR EXAMPLE YOU SHOULD CONTACT A SOLICITOR, YOUR LOCAL TRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS' ADVICE BUREAU". The construction of the Default Notice is such that it IS NOT lawfully compliant and that it defeated the intents and purpose of the act and as a matter of law is sufficient to allow the court to strike out the claimants claim I will scan one of the faulty DN and put it on here tomorrow. But look at your DN AND SEE IF THE ABOVE PARAGRAPH IS MISSING Wp3
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Hi suffering From your post above you say “I have a totally unafordable loan from Lanc Mortgage (Blemain) so i will be showing the judge i cannot make payments and i was never in a position to meet such high payments income was nowhere near the repayments" Can you tell me if this was a first charge mortgage? Is this a bridging loan? Was this a commercial loan, used for business? I have read lots of your posts (from all sites) and you seam to know what your doing, but a good read if your loan is a first charge is MCOBS, but there are different rules for different types of loan agreement, it is important you know what rules cover your agreement. MCOB 11.3 Responsible lending, and responsible financing of home purchase plans MCOB 2 – 7 contain the broad scheme of regulation extending over the whole range of mortgage selling, and impose detailed requirements as to the form and content of communication and financial promotion; the conduct of advising and selling; disclosure of information; the terms of offer documents including the requirement to give illustrations; having regard to the interests of customers and the duty to treat them fairly; and the duty to keep records (with supplemental provisions in MCOB Sched 1) etc. MCOB 11 contains some important duties that extend the requirement in MCOB 6 to treat customers fairly. (1) A firm must be able to show that before deciding to enter into1, or making a further advance on,1 a regulated mortgage contract, or home purchase plan,1 account was taken of the customer's ability to repay. wp3
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Thanks DX im sure a Blemain forum will have lasting implications for those that have issues with Blemain now, and also evolve into a good source of information for future Blemain victims. wp3
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Hi g What I mean when I say you must be alright with it , is the fact you now know that they paid a commission on your loan, and your not looking for information on whether they did or didn’t pay a commission, As for the terms and conditions of your loan yours is unregulated, and I have seen the terms for unregulated most terms are the same as a regulated agreement, but im not %100 but chech out your terms and see if they allow blemain to do the following, Do the terms of your agreement allow blemain to do the following. 1 very the interest rate whenever they want ? 2 very the amount you pay each month whenever they want ? 3 very the amount of months the agreement runs for ? If you answer yes to the above then think about what you signed up for. You signed an agreement that would allow. a company to take every penny you earn for the rest of your life. I’m not saying this will happen but you have an agreement that will allow the following to happen if blemain wanted to do it. Blemain raise your interest rate from %%10 to %.100 pa, your monthly payments go up 10x what you are paying now, you cant afford this payment so blemain extend the term of the loan to 100 years The terms of the agreements allow blemain to do what they want when they want READ THEN FOR YOURSELF If blemain say they have taken out insurance and are charging you for it then there are two ways to deal with this. 1 it has to be fit for purpose, all the PPI claims are basicly that it was not fit for purpose Buildings insurance is to rebuild the building in the event of something bad happening to the building, blemains insurance only pay the loan. Basically an insurance policy is there to (indemnify) put you back in a position as if nothing had ever happened, blamains insurance only pays them so if you house burns down blemain get paid ,your still left with a burned out house. Are you indemnified ? So is the above insurance fit for purpose. 2 blemain have a term in the agreement that requires you to name them on your insurance policy, if you don’t then you are in breach of the terms of the agreement, If you breach an agreement then a company is allowed to claim reasonable costs in dealing with any breach, the costs that blemain add to your account and say they are for insurance are the same as any other cost that they add (phone ,letter charges) they are not fair or proportionate get them to prove how much it costs them. There are plenty of terms in the agreement that are very one sided and it is a shame that the regulatory bodies that are there to protect the consumers are failing in their duties. wp3
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Hi g They must have liked your broker as the documents say a maximum of 10K. All kidding aside it would be to do with the time you took out your loan as the document I posted is for brokers, and what and how they paid it changed over the years. G if you know how much they paid your broker then I gather you are alright on this point, but if your looking for more evidence that they paid commissions then it is in their accounts, filed at company house and available to the public. (just ask if you need them). Wp3
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Thanks DX I think I might have some information that may help people when going up against blemain and I don’t want it to fade into this thread. wp3
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What it says in the documents above and is quoted word for word Brokers fee May be charged on all plans and must be agreed with the client. Commissions The maximum commission on one case is £10,000 with payment protection and £8,000 without, NOTE this dose not include the brokers fee.all commissions are paid on the loan advance (not including payment protection or fees) i.e. the amount paid to the client including the redemption of any finance. Notice that they say you must tell the client of any brokers fee, but the most important thing is that they don’t say to tell the client about the commission. The second document has exact calculations of what % commission is paid on what type of loan agreement, the higher the interest rate you pay on the loan, then the higher % commission the broker gets EXAMPLE If your loan is %9.8 interest rate the commission rate is % 1.25 If your loan is %17.7-interest rate the commission rate is %10.5 This works out that the higher the interest rate that the broker gets you the more money he makes.. If the broker gets you a loan for £30k at the best interest rate for you he makes approximately £300 on top of his broker fees. If the broker gets you a loan for £30kat the worst interest rate for you he makes approximately £3000 on top of his broker fees. I’m sure all the brokers out there would have gone for the £300 and not bent anyone over for the £3000. Wp3
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How about [ATTACH=CONFIG]40944[/ATTACH] Did Blemain pay your broker a secret commission? Then have a look at this This is what they supply to brokers, Joe public never supposed to see this [ATTACH=CONFIG]40943[/ATTACH]
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Consumer Protection from Unfair Trading Regulations 2008 TABLE FOR ASSESSING UNFAIRNESS REGULATION 3 Contrary to the requirements of professional diligence REGULATION 5 False or deceptive practice in relation to a specific list of key factors REGULATION 6 Omission (or unclear/ untimely provision) of material information REGULATION 7 Aggressive practice by harassment, coercion or undue influence
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Now just in case anyone isn’t quite following then I will list the important facts and what rules they are braking. 1 Blemain misled you Debt collection OFT guidance for businesses engaged in the recovery of consumer credit debts 2.2 In general terms, businesses17should: • treat debtors fairly – debtors should not be subjected to aggressive practices, inappropriate coercion, or conduct which is deceitful, oppressive, unfair or improper, whether unlawful or not I DOMT THINK BLEMAIN HAVE READ THIS • be transparent in their dealings with debtors and others – information provided should be clear and should not be confusing or misleading MAYBE THEY DON’T KNOW ABOUT THIS EITHER, THINK I MAY SEND THEM A COPY AND THEN EVERYTHING WILL BE ALL RIGHT. 2.1 This chapter identifies matters that the OFT considers to be unfair or improper business practices for the purposes of section 25(2A)(e) of the Act. These are set out under the following sub-headings: • False representation of authority and/or legal position: businesses should accurately and truthfully represent their authority/status and the correct legal position with regard to debts and the debt recovery process STRANGE THAT I HAVE A LETTER STATING MONARCH ARE GOING TO START COURT ACTION, CANT BE TRUE THEY DON’T HAVE ANY EMPLOYEES. Deceptive and/or unfair methods: businesses should be truthful and fair in their dealings with debtors and others ANOTHER ONE BLEMAIN CANT HAVE READ Charging for debt recovery: charges should not be levied inappropriately or unfairly THEY WASN’T BEING UNFAIR THEY HAVE TO MAKE A LIVING THEY ONLY MADE 6.5 MILLION ON COLECTING IN 2009 (AFTER TAX ) 2.2 It is unfair to communicate with debtors, or their representatives, in whatever form, in an unclear, inaccurate or misleading manner False representation of authority and/or legal position 2.3 Those contacting debtors must not be deceitful by misrepresenting their authority and/or the correct legal position with regards to debts or the debt recovery process. Physical/psychological harassment DON’T GET ME STARTED ON THIS ONE Charging for debt recovery 3.10 Charges should not be levied inappropriately or unfairly. 3.11 Examples of unfair or improper practices are as follows: a. misleading debtors into believing they are legally liable to pay recovery charges when this is not the case b. claiming recovery costs from a debtor in the absence of express contractual provision to be able to do so c. not giving a clear indication in credit agreements of the amount of any charges payable on default60 d. applying unreasonable 61 charges HOW IS SOMEONE SUPPOSED TO MAKE A LIVING POOR BLEMAIN WOULDN’T HAVE MADE £6.5 MILLION AFTER TAX IF THEY WOULD HAVE KNOWN ABOUT ALL THE RULES I REALY THINK SOMEONE SHOULD CONTACT BLEMAIN AND SEND THEM A COPY OF THIS OTHERWISE THEY MIGHT FIND THEMSELVS IN BIG TROUBLE WITHOUT KNOWING WHAT THEY HAVE BEEN DOING WRONG. Debt collection OFT guidance for businesses engaged in the recovery of consumer credit debts WP3
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What blemain used to do if you fell into arrears was in their own words “instruction of agents (monarch)” charge in my case £250 for passing the account to monarch, and then monarch would charge for phone calls and letters and numerous other things. Now this is how blemain used this [problem] to add monies to what you already owed them, then getting you further into debt with then and closer to repossession. Just as an example, Joe from blemain would phone you in the morning, at dinner time your account gets transferred to monarch, in the afternoon you get a call from Joe from monarch, it’s the same person and you got charged £250 plus interest, over a 25 year loan this would cost you approximately £1000. Now to prove monarch recoveries was only a name that blemain used to [problem] and frighten you. monarch had no employees, but made a profit of over 6 million in 2008 and over 4 million in 2009 not bad with no employees, and the fact that they made this profit by charging £35 for letters and phone calls. If you know your charges arguments there is some of your proof that they weren’t a true estimate of their costs, and that they were making millions out of charging you penalties This document is filed at company house and signed by them to be true. I cant upload this document as it is a PDF but you can get it for free you will have to log ibut it is free . MONARCH RECOVERIES LIMITED REPORT AND FINANCIAL STATMENTS 2009 . http://companycheck.co.uk/company/01959967 This document is prove that 1 They had no employees 2 They profit from their unfair charges 3 All this money came from blemains victims The following happened to logbook loans for doing what blemain and monarch were doing to people. 125/11 18 November 2011 The OFT has welcomed a Tribunal's decision to strike out appeals by the UK's biggest logbook loan businesses against the removal of their consumer credit licences. The First-tier Tribunal's ruling to strike out the appeals of Nine Regions Limited ('NRL') and Log Book Loans Limited (together 'Log Book Loans') follows the OFT's original decision that Log Book Loans were unfit to hold consumer credit licences. Logbook loans are secured on vehicles such as cars and motorbikes. If the borrower defaults, the loan company can seize the vehicle without going to court. Even after the vehicle is sold the borrower can still be pursued for any shortfall. The OFT asked the Tribunal to strike out Log Book Loans' appeals because of evidence that emerged during the appeal hearing. Log Book Loans admitted that thousands of letters had been sent to borrowers in the name of a firm called Adams Spencer & Phillips (Legal Services) Limited ('ASP') falsely threatening to take legal action on behalf of NRL. The First-tier Tribunal found that: the letters were sent to give borrowers a false impression that ASP was a body authorised to carry on activities as if it were a firm of solicitors, such as the conduct of litigation ASP actually had no employees and was not a body or individual duly authorised to bring legal action on behalf of NRL deceptive practices included that between September 2009 and April 2010, employees of NRL called customers pretending to be employees of ASP the ASP letters were part of a deliberate deceit the deception was played out, not simply in front of customers but also with third parties such as solicitors acting for borrowers, as well as the Financial Ombudsman Service. David Fisher, Director of the OFT's Consumer Credit Group said: 'The OFT welcomes the Tribunal's decision to strike out the companies' appeals. The decision confirms our view that these companies are unfit to hold their consumer credit licences. 'Intentionally deceiving debtors as part of a debt collection policy is an extremely serious matter, which calls into question a licensee's fitness. We expect businesses licensed by the OFT to treat all their customers, including those in arrears, fairly and transparently Wp3
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Some basic facts about blemain and monarch recoveries and how they worked 1 monarch recoveries was a debt collecting company 2 monarch recoveries had the same address as blemain 3 monarch recoveries only collected debts for the blemain group of companies 4 monarch recoveries is one in the blemain group of companies So there is no big deal with all of the above its what is called in house debt recovery or so blemain lead you to believe. What if I said monarch recoveries only existed in name only, and it was one big con used by blemain to part you from even more of your hard earned money. I will be back in one hour and then I will show you how the OFT has shut down companies for doing what blemain did when they used monarch recoveries. And the prove you need to see monarch didn’t exist. wp3
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I have started some new threads now we have a specific blemain area on this site , were we can keep important information in plain view of the people that need it. Now I believe that blemain are not acting in a faire and responsible way, and there are so many things I believe are wrong that I would like to suggest that we talk about one point at a time. Now when someone comes on a website and says blemain did this, this and this it is hard to say what to do, because each thing blemain has done wrong has its own specific remedy. So what I would like to do is make a list of what blemain do that is unfair, then we talk about that one point (would be a lot easier if I was aloud a thread for each point) All the charges that have been added to your loan is going to be the biggest thing that people complain about, I don’t want to put that on my thread as it will take over what I am doing, but if anyone starts a new thread about charges I will post my views on this point. Some points I think would be interesting are listed below and I think the most unknown and possibly the most damaging for blemain is the use of monarch recoveries for debt collecting. So hands up all you nice people that have had any experience of monarch recoveries (only those with a loan over 18 months old) THIS IS A SELF HELP SITE SO JOIN IN WITH WHAT YOU CAN 1 Blemain using monarch recoveries for debt collecting. 2 did blemain pay your broker a secret commission 3 blemain adding buildings insurance to my agreement 4 blemains intrest rate WP3
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Hi Suffering, nav110, figaro 123 Why not start threads of your own, that way we will know what type of agreement you have, what stage of complaints procedure you are at, what blemain have done, and how to deal with it. As for blemains CCA licence Blemain do have a licence don’t make a mistake of thinking blemain are operating without a licence. What has happened with blemains licence is that they had to renew it in 2011 so they applied to renew their licence, this usually takes a couple of month’s, but in blemains case it has taken nearly two years. So ask you self why has it taken the OFT nearly two years to renew blemains licence Now the rules on renewing a licence are that they can continue trading on their old licence while the OFT process the application for a new licence. So the relative point is that the OFT is investigating this company, otherwise they would have had their licence renewed within 2 months, not the two years and still waiting. So I personally would put a bet that you are going to see some fines heading blemains way in the not to distant future. Below is Taken from OFT register Current Applicant / Licensee: Renewal in Progress: Event Type Date of Receipt Closed Date Status Renewal 04-May-2011 Open Legal Formation: Body Corporate (incorporated inside UK) Current Individuals that run the organisation: Name Position Adrian Joseph Grant Gary Bailey Gary Beckett Director Henry Neville Moser Mr Marc Richard Goldberg OFFICER Stephen Baker Director Tracey Bailey
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Hi Suffering, nav110, figaro 123 Why not start threads of your own, that way we will know what type of agreement you have, what stage of complaints procedure you are at, what blemain have done, and how to deal with it. As for blemains CCA licence Blemain do have a licence don’t make a mistake of thinking blemain are operating without a licence. What has happened with blemains licence is that they had to renew it in 2011 so they applied to renew their licence, this usually takes a couple of month’s, but in blemains case it has taken nearly two years. So ask you self why has it taken the OFT nearly two years to renew blemains licence Now the rules on renewing a licence are that they can continue trading on their old licence while the OFT process the application for a new licence. So the relative point is that the OFT is investigating this company, otherwise they would have had their licence renewed within 2 months, not the two years and still waiting.So I personally would put a bet that you are going to see some fines heading blemains way in the not to distant future Below is Taken from 0FT licence check Current Applicant / Licensee: Renewal in Progress: Event Type Date of Receipt Closed Date Status Renewal 04-May-2011 Open Legal Formation: Body Corporate (incorporated inside UK) Current Individuals that run the organisation: Name Position Adrian Joseph Grant Gary Bailey Gary Beckett Director Henry Neville Moser Mr Marc Richard Goldberg OFFICER Stephen Baker Director Tracey Bailey
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Nearly two years and their licenses haven’t been renewed by OFT never seen it take this long!! Must be one hell of an investagation http://www2.crw.gov.uk/pr/default.aspx
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Hi Figaro 123, and Determindator May I suggest that if blemain are not taking you to court, or trying to repossess your home then hold of starting any court case against them until you can answer yes to the following questions? (YOU CAN DO THIS BUT IT TAKES WORK) 1 do you know civil procedure rules? 2 do you know what regulations govern your loan agreement? 3 do you know what case law/rules and regulations you would be using in court? 4 are you confident you can show the judge you are right when blemains barristers are telling the judge you are wrong? 5 do you have the documents to prove what you are saying? 6 do you want to take the risk of blemains costs if you lose in a high court (approximately £20,000) I only posted the above as there are way too many people on the web site saying (GO GET THEM / CLAIM IT BACK /TAKE THEM TO COURT) make sure you know and understand everything you are about to do, THEN DO-IT Learn first don’t rush into anything, blemain will be there when you are ready, im reasonably confident that we are going to see blemain get fined for the things that they have been doing (shouldn’t be to long now either) any fines issued by the regulators will help anyone in court, as this will be prove that blemain have been treating people unfairly. If blemain are taking you to court then my advice is to FIGHT /FIGHT/FIGHT. You are going to court anyway so now is the time to show the judge exactly what you have. Hopefully this won’t put anyone off going to court, it will just make shire they are prepared, there is plenty to beat blemain with, BUT YOU HAVE TO KNOW HOW and the risks you are taking. Some good reading below Set up to fail - full report ( 390kb Treasury Committee: Press Notice - UK Parliament wp3
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DX I think we have a difference of opinion on some points and I hope there is some freedom of opinion on this site that will at least let me get my view out. then it is for THEM to research putting up guides is all very well So how do people research something they don’t know exists? DX were could I find out what is on an underwriting sheet? DX were can I find out what is an offline transaction report? DX were can I find if blemain pay brokers commission? DX if you could possibly show were someone can research what they are going to receive in response to a SAR( a list of documents alphabetically would be nice)? There are legal requirements when making a SAR no big deal if you get it wrong just start again. There are also rules and regulations when facing repossession but getting this wrong will result in sleeping on the street. But as you say above “it is for THEM to research” encouraging people [as we do on cag] is all very well DX what do you do to “encourage people”? . ME I WOULDN’T ENCOURAGE ANYONE just give them the information they were looking for. but blindly following some elses info is dangerous. as are templates if you would have read the first post of every new thread it says that every thing said had to be factual with a link to prove what was said. Template letters in general are a bad idea as people don’t understand what they are doing but a basic SAR requesting all information cant be detrimental as it is only a formal request for information. like kenny's & swift - Blemain finance are one of the worst it is far better they research and discover the reasons. Yes blemain are one of the worst and by the time someone has found their way to some consumer website they are already in some difficulty so they domt have to much time to try and learn the whole Consumer credit act, MCOBS, and civil procedures rules, contract law and which of these apply to them also trying to find out if 14 days is enough time for them to do a SAR. TO LATE BLEMAIN GET THE HOUSE BECAUSE THEY WERE BUISEY RESEARCHING the info on PENALTY charges is already carried But there is a lot of confusion between bank charges and those added to loan agreements. I have faced their barrister in court who tried to say that the OFT V banks case put an end to claiming back charges I also know of lenders quoting this case in response to letters sent in claiming back charges. and can be read by simple use of our search in the grey toolbar top right above. ..... its about time we had a forum for BF on here to put everything in one area. Good idea PS I am not asking for answers, in general I am hoping that myself and others may be able to give answers and information DOCUMENTS Wp3
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Has someone from the site moved these new threads and added them to this one? The idea was to have specific points of an argument in one place, to help people trying to find answers to points of law, I don’t need these threads added to my thread as I believe I know the answers they were going to help others. Wp3
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DX I hope you don’t think I am being pedantic but what I am trying to do is show people why and how they can claim back unfair charges, So if a charge is a penalty why can I claim it backs and who says I can claim it back? With the bank charges claim being lost don’t that mean I can’t claim against my lender? DX this information isn’t needed for me personally I believe I know the answers; this thread is for information for people just starting a fight with blemain so these people will need to know more than it is a penalty. Wp3
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Thanks citizenb Blemain are basically a 2nd charge sub prime lender so they wont come under the MCOBS rules but they do some first charge lending thro Cheshire mortgage company and they would fall right in the lap of MCOBS.
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This is we can show what Blemain documents we have that show unfairness. There are terms in some agreements that I believe are unfair, there are some documents that are non compliant with certain rules and regulations so lets start posting them. I will start this thread with a copy of a dodgy Default Notice that blemain send out to thousands of people, when you get to court you explain to the judge you got a non compliant DN, he has no option but to throw the case out, you win (only CCA regulated agreements) wp3
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As some people are aware I have an ongoing dispute with Blemain finance,I have spent the last 5 years (thousands of hours) researching case law, rules and regulations, consumer law is hard work and for anyone, so I am going to start new threads on each point that blemain my or may-not be braking the rules, As this is a self-help site I hope that everyone with any information will post it up and collectively we can show how to beat unfairness. What I would like to see on these threads is FACTUAL information (its no good going to court and saying to the judge “ thingy on CAG says this so it must be true”) If you say something is unfair then put a quote from a rule or regulation to show what makes it unfair. Basically there are three different types of loan that the Blemain group of companies supply they have different rules and regulations that apply to each type of loan, so make sure that you know what type of loan you have and what you are reading applies to your loan. 1 first charge mortgage 2 consumer credit act regulated 3 unregulated Finally I have started each thread for a specific point, if we keep to the point then it will make it a lot easier for anyone new to find and understand, if there are points that are missed then we can start a new thread for it. Thread: .Blemain Subject access request (DSAR) Thread: Blemain unfair terms and conditions and documents and practices Thread: Blemain going to court repossession Thread: sub-prime lender (blemain finance) 140A Unfair relationship -started court proceedings
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Lots of rules and regulations relating to different types of agreement have, Blemain complied with them? How to make blemain wish they never started court proceedings against you. Take advantage of this situation to counterclaim and get the judge to make a judgment on their unfair charges and anything else you feel is unfair. It is very important to show the judge that you can afford this loan and any missed payments were only tempery,that way the worse that will happen to you is that you get a suspended possession order. wp3
