Hi, I have no idea if I am in the correct section, but I will give this a go ! I have an individual who also works in my self employed type industry, without going into too much detail yet, myself and them had a contractual disagreement which ended in them issuing a County Court Claim to me. At the time ( March ) I defended the claim, but unfortunately incorrectly completed the court forms. The judgement was entered against me, and enforced with Bailiffs, and had to be paid. I have now asked for the judgement to be set-aside and are waiting to hear. In the mean time and this is the main problem, the individual has blackened my name, my wife's name ( we work in same industry) and more importantly the name of my local well known business, my business has suffered dramatically with a down turn in work, so much so I have had to offer it for sale, and hopefully someone else can make a go of it, as he has virtually destroyed it within weeks. Sadly I work in a small and very gossipy industry, where rumours and gossip is rife, but damage is easily done. My income and finances are in a mess, i cannot afford a solicitor, i have tried legal aid but that's a no as well, and really don't know which way to turn. The individual has also reported both of us to the Police, saying we have harrased him, which is untrue, and there is no evidence. Police at my door is something i have never had in 50 years, and all this is so alien to us. How on earth can I stop him doing more damage, and prove that what he has done so far has virtually destroyed our business. any help would be appreciated. thank you.

JUST POSTING THIS AS I POSTED IT IN THE WRONG SECTION. £50k Secured Loan ~ Paid £20k off ~ But you still owe us £50k sir ! Whilst my title of this post may seem a little light hearted this in reality is far from the case ! I would like to share the following with you, and would appreciate any ADVICE that members may have. Around 3 - 4 years ago we took out a Secured Loan, with Blemaine Finance of Manchester. The Loan was arranged via the Broker Ocean Finance. I should say at this point i am trying to obtain a Payment Statement from Blemaine & a copy of the Credit Agreement. The loan was taken out at a time when we thought it would be easy to repay the £600 a month repayments, but as things often go, our circumstances changed after around 6 months and payments were missed occasionally, and since then whilst we have always kept paying, there have been times when we were in arrears, as we still are today to the tune of around £2000, and have an arrangment to overpay each month to catch up. The original term of the loan was 13 years, although we have now been told that "it will not finish on time". Last week we requested a settlement amount, not that we were in a position to settle but meerly to see what was owed. Here are the amounts. Original amount of loan £50,000 Charges etc to close loan £ 9,000 Total settlement £59,000 So i rang them asking why i had made payments of over £20,000 and still owed them £9000 more than i had borrowed ! I was told that as the "account" was usually late or in arrears most of the monies paid were for interest, and that out of the £600 that had been paid, AND CONTINUES to be paid, £20.00 a month will be taken off the balance outstanding. The loan is not interest only. Had i realised this 3 years ago, i would not have been so stupid. Blemaine never send out payment statements unless requested i was told, i can only presume this is because some customers like us, just pay or try to pay, and just carry on. I wont ramble on anymore until hopefully i get a few replies. Thank you PS just remembered, they stated today that the loan was "unregulated" what ever that means?

£50k Secured Loan ~ Paid £20k off ~ But you still owe us £50k sir ! Whilst my title of this post may seem a little light hearted this in reality is far from the case ! I would like to share the following with you, and would appreciate any ADVICE that members may have. Around 3 - 4 years ago we took out a Secured Loan, with Blemaine Finance of Manchester. The Loan was arranged via the Broker Ocean Finance. I should say at this point i am trying to obtain a Payment Statement from Blemaine & a copy of the Credit Agreement. The loan was taken out at a time when we thought it would be easy to repay the £600 a month repayments, but as things often go, our circumstances changed after around 6 months and payments were missed occasionally, and since then whilst we have always kept paying, there have been times when we were in arrears, as we still are today to the tune of around £2000, and have an arrangment to overpay each month to catch up. The original term of the loan was 13 years, although we have now been told that "it will not finish on time". Last week we requested a settlement amount, not that we were in a position to settle but meerly to see what was owed. Here are the amounts. Original amount of loan £50,000 Charges etc to close loan £ 9,000 Total settlement £59,000 So i rang them asking why i had made payments of over £20,000 and still owed them £9000 more than i had borrowed ! I was told that as the "account" was usually late or in arrears most of the monies paid were for interest, and that out of the £600 that had been paid, AND CONTINUES to be paid, £20.00 a month will be taken off the balance outstanding. The loan is not interest only. Had i realised this 3 years ago, i would not have been so stupid. Blemaine never send out payment statements unless requested i was told, i can only presume this is because some customers like us, just pay or try to pay, and just carry on. I wont ramble on anymore until hopefully i get a few replies. Thank you PS just remembered, they stated today that the loan was "unregulated" what ever that means?