suffering
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Everything posted by suffering
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Well done for standing up against these charlatans and exposing them for being chancers
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Get serious with them write a letter, saying i have good reason to believe that you have added hidden charges and charges that are unfair, to my account i now put you on notice of this , I xxxxxx Put Together finance on full legal notice that i request the following information so i can investigate discrepancies with my account I give you 30 days to produce unto me a full breakdown of all charges,penalties, fees and interest that have been added or removed to my account since the account was first opened, so i and my team can check the legality of the information you provide, if without good reason you cannot deliver unto me this information in full within 30 days of this letter then no added fees, charges, and interest will be recognised or concidered owed. (now thats what i would do but its up to you)
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Sorry No, but i have been reading the CAG forums since receiving lowells court claim back in November, and found them very helpful.
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I just thought i'd add this on here for encouragement to challenge Lowell. I too have been harassed by these interlopers and chancers every letter seemed to point out if they get a ccj a Bailiff may visit threats of charging orders extra costs etc etc. I made it clear i was prepared to challenge them in Court and that Lowell solicitors and their sister company Lowell portfolio had failed to satisfy my request to prove the debt was genuine. i denied liability for the debt and put the claiment to strict proof to prove the debt. Last week they sent me a letter saying they were prepared to settle the matter amicably and without entering a judgment against me. I wrote back saying this letter amounts to pure intimidation as only the court has the power to enter a judgement and the letter along with ntheir other letters would be used as evidance agaiinst them in court. Today i received a letter stating we are instructed to discontinue the claim with a copy of the notice of discontinuance filed at the court
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Hi again mmd you do not have to talk to them! Send them an email (this way you have a record of the correspondence) Its time to play them at their own game and put the frighteners on them tell them you have been advised to request a full and understandable breakdown of your account, as you are considering legal action against them. Tell them their lack of co operation has been duly logged and noted. Do not under any circumstances phone them they will deny all knowledge of anything they agree to do
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Hi sorry to hear of yet another Blemain / Together Finance Victim The SAR may not reveal all but will reveal some as they are very clever at muddying the waters and not making things clear. The most important document is the full and understandable account statement they will not send this you have got to ask for it. They may well send a statement of sorts but it will not have everything on you need to be able to clearly see every charge, penalty,including any admin. charges and a breakdown of the interest and any interest change. you should calculate what you believe it to be and work out the difference. Get stuck in take control and don't give in to any bullying, do not phone them use email as much as possible so you have a good clear record.
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Blemain are not going to tell you that they have over charged you and deceived you. please do your home work and read some of the threads about this company and their charges I just thought i'd add it is worth the time and effort to pursue a claim to get the charges and fee's as Blemain have a history of settling out of court, you may also be aware that Cheshire mortgage Corporation (the sister company that blemain used to regulate under) was fined along with the chief executive Henry Moser £1250000 / £1.25 Million for mistreatment of its customers. over 10 years How much have you been charged for phone calls? Letters? Visits? Insurance? Do you have charges from Monarch Recoveries? (a fictitious company) PPi? Mis-calculations? how much in fees? charges ? Penalties? Have you been charged interest on these unfair amounts IF YOU DO NOT KNOW THE ANSWER TO THESE QUESTIONS You May have been charged thousands of pounds. So if you are 10 payments behind and they owe you ££££££££ you may not be as far behind as you think you know how to find out.......... SAR
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before monthly payments minus payments received = Blemain arrears figure. MINUS unfair charges mistakes unfair interest unfair fees =?????
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I dont know if i can make this any clearer than the other people that have been trying to help you but things are urgent now. You need to SAR them today when and if your loan ends you can SAR them again. But without the correct information you do not know where you are and believe me they will try and run rings around you. I am not sure if the reason for not sending a SAR request is because you are frightened of rocking the boat but believe me they will sink it anyway given the chance. Do it do it do it only then can you start to dig your way out PS when you get the information you will no doubt find something you was'nt aware of at the moment you do not know what that "somthing is"
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If you know of unfair charges, fees, interest insurance etc you may be able to raise a defence to the eviction order on the grounds that you do not owe the amount they are stating or put another way they owe you more than the arrears this is why it is important to do the SAR or at least bring it to the courts attention that the arrears amount is in dispute, at the very least you need a a full and understandable breakdown of your account detailing charges etc. You need to raise serious doubt that You and the Court have been mislead by Blemain and without the true breakdown of your account you are in a unfair position. Request it now without delay by email and signed for post giving them 14 days to respond I can see that this advice is late in the day but if you can prove that they mislead the court you may have a case
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you need a clear and understandable breakdown of your account that includes all penalties, charges and add-ons, If they are saying you owe money they need to prove it Blemain / Together is a nasty rip off company that are so embarrassed they have had to change their name to enable them to continue ripping people off.
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i think you will find that the post office puts the name on it, its not signed because it is a post office "cheque" not yours and the P.O have to honor it
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Hi Scottishbloke17 please make sure you pursue this, they are not an easy company to deal with and will try and either ignore you or fob you off! They don't like paying money back but they do pay up to the ones that are persistent.
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Blemain changed its name about a year ago its now called Together Finance the address is Lake View, Lakeside, Cheadle, Cheshire SK8 3GW. you need to look carefully at the charges and fees that they most definitely will have added. Mortgages are usually with their sister company Cheshire Mortgage Corporation, but with this company anything is possible be carefull with them and don't believe everything they tell you.
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Well done mysticf4lls it takes people like you to stand up to these bullies. Hopefully its the commission greedy bailiff who's going to feel stupid, when hes asked to explain his actions.
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Where in the bailiffs hand book does it say use extortion, deceit, kidnap and blackmail to enforce the law. Basically if they do not adhere to their own guidelines you have a case against them
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What if we are all aliens and humans don't exist
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If you explained that the person in the property has mental health issues then the Enforcement agent had no right to enter. as they are not allowed to enter when a vulnerable person is in the property. so they acted outside their own guidelines, they used intimidation tactics to frighten you into taking extreme measures to pay an amount you could not afford. it may be worth while contacting the council to explain your circumstances to see if you qualify for a reduction in council tax and maybe a rebate.
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The letters are computer generated even if you have no Tv and you've informed them of the fact, the letters will still keep coming. and you may still get a visit. You are not legally obliged to inform them and as far as i'm aware they do not check with Virgin, Sky or BT. If you do get a visit do not talk to them as they are trained to put words into your mouth it is your right to answer "no comment". Do not give your name or they will use it to obtain a warrant. You sound like they have intimidated you with the letter and thats exactly what the intention is. They will claim you are streaming live TV on you laptop. they will try to sell you a licence whether you need one or not, but if you buy one you are admitting you should have had one. If they try and come in ask them to leave despite what they tell you they have absolutely no right to enter your home without your permission Crikey! you're not safe in your own home these days there should be a law against it.
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I just thought i'd add it is worth the time and effort to pursue a claim to get the charges and fee's as Blemain have a history of settling out of court, you may also be aware that Cheshire mortgage Corporation (the sister company that blemain used to regulate under) was fined along with the chief executive Henry Moser £1250000 / £1.25 Million for mistreatment of its customers. "Together" a rotten company maybe thats why they chose there new name trying to hide the past history
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Hi Kittycat63 sorry to hear you are another victim of this filthy company. Did Blemain present to the court a breakdown of the account? do you have a breakdown of the account? They are notorious for adding charges and fees then charging interest on them. they also had a fake company (i think it was called called Monarch recoveries) that was used to add charges and fees. You need to obtain a full documented breakdown of your account have you sent an SAR if not you need to do it ASAP. hopefully someone else will join in and advise you
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Marco you have a legal right and they have a legal duty to supply to you a full and understandable breakdown of your account, if it is not clear what charges / fees have been added then write and ask them to produce one.
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Lancashire Mortgage lender not sign agreement
suffering replied to renewablejohn's topic in Mortgages and Secured Loans
if you check here you will see that the financial Ombudsman received 45 complaints in 6 month period (this is July-Dec.) it will change depending when you visit web site you have to scroll down http://www.ombudsman-complaints-data.org.uk/Data.aspx?BusinessId=14635 YOU ARE NOT ALONE -
Lancashire Mortage Corporation / Blemain misrepresenting Claim
suffering replied to suffering's topic in Blemain Finance
Does anyone Know what it would take or if its even possible to launch an appeal when it is out of time my reason would be I can prove the Lancashire Mortgage Corporations Director Lied on oath to affect the judges order -
you know the saying "when your going through hell keep on going". I wish you all the best Bigmac
