Sick Of Legal Bullies
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Jolly good.
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Blemain finance extortionate fees and charges
Sick Of Legal Bullies replied to bdoubleu's topic in Blemain Finance
I am about to fight Together Commercial Finance Limited in court for various reasons such as unreasonable penalty charges, unsolicited visits, interest rates, and other misdemeanours. This is an unregulated mortgage so the outcome of the trial will hopefully set a precedent for many others who are victim's of these and other unscrupulous sub prime lenders. I will keep you informed. -
It is still live. Subject to a trial shortly.
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Can I message you?
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Hi, the mortgage was taken out on 2005. The mortgage offer had no conditions. The lender has not kept a copy of any terms (if there were any) and it wasn't signed by the lender. No annual statements so could the mortgage then be considered to co.e under the CCA?. Thanks for your response
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Yes, on both counts.
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Connected to the above. In 2005 I took a Commercial Mortgage out which is unregulated. The mortgage offer had no terms & conditions attached-the lender says there are no copies of any conditions attached to this offer and that is irrelevant as the Mortgage deed supersedes this. Also, the Mortgage Offer was not signed by the Lender, and since 2005 no annual statement has been provided. Can anyone precisely off any advice on the ramifications of this? Thank you
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If you do this and keep it under 1 month-there is nothing they can do-as you are not in arrears. Good Luck. Don't forget to email them don't ring-they will twist your words. Who is your 'Relationship' Manager (I say the term loosely)
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Is there any way you can reduce the arrears to under 1 month?
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Hi, They should certainly have responded. Still, do not hesitate to send another. Email it to their Complaints department. Can I ask how many months in arrears are you? Have they definitely appointed receivers? and issued the appropriate formal demand required under The Land and Property Act 1925?
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They can be fined for not responding to a Sar etc. Dud you keep all the paperwork? Take it further and still ask for a new one.
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Hi, I sympathize I know exactly how you feel. I have dealt with these parasites for 15 years. The first thing I would do is only contact them by mail either email or post. Keep a paper trail you may need to use it later. Secondly, and importantly ask for a SAR/GDSR request and include in it a breakdown of all charges over £30 and how do they justify it? Are some of these charges down to Monarch Recoveries? I challenged these and they refunded over 9K. I can sort out a template if you need one. I have an important court case coming up with this lot soon. At this stage, I don't want to say too much, as I know they have their minions trailing these sites. Don't take it lying down, I know from experience that it's not easy but you need to stay strong and challenge these bullies. Good Luck
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Thank you. I did listen, but the court advised me to submit an application to resubmit, which I did and the judge must have given it merit or they would not have scheduled a hearing. I do appreciate your help, but I also did not want to go against what the court advised.
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Because the claimant wrote to the court to say I had done it wrong, but also new information has come to light that affects the claim. I rang the court they say write in ask to add it to this hearing.
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Thank you. With regards to the witness statement, there is to be a 90-minute hearing following my application to amend/substitute a WS so I am going to add the non-disclosure onto this.
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A question on Disclosure. The claimant has failed to file any disclosure-can I complain to the court about this-if so how do I do this-is it just a letter to the court or on a form?
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Thank you
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Thank you, I contacted the claimants asking if they were willing to accept a substituted WS. They refused and said that they have written to the court saying I am in breach of directions and that I now need the court's permission to re-issue a WS. My question is do I need to send a copy of my application to the claimants or can I just apply to the court-then if/when permission is granted I then send a revised WS to the other side? Thanks Sorry, yes it is connected to the thread above
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Thank you for your help. This is a claim with Blemain (Together) always hardball.
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The other side are saying that I completed my Witness statement wrong in that I headed it Defence/Counterclaim and not a witness statement-and I will not be able to rely on this in court. I just wanted someone to advise which was the best way to proceed. Thanks.
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Thanks
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Morning, I have a Fast Track claim, and an LIP. I made the mistake of heading my witness statement-as a defence/counterclaim. The other side are playing heardball-and won't allow me to substitute-what do I do and how do I do it. Thanks
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Thank you I will take a look.
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Happy Easter. Does anyone know it the Unfair Contract Terms Act 1977 applies to a Commercial Mortgage Offer? Thank you
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Yes of course; Report post #10 Court directions state that 1. Evidence of fact to be dealt with as follows; All witnesses must serve on all other parties signed statements of themselves and any other witness on whom they intend to rely on inc civil evidence act notes......etc. Paragraph 4 Witness statements must; a. Start with the case and claim number b. Start with the full name and address of the Witness c. Set out the witness statement clearly in numbered paragraphs on numbered pages; d. End with this paragraph ‘I believe the facts in this witness statement are true. e. Be signed by the witness and dated. f. No permission was given for expert evidence
