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    • You pushed me to look at all our MET cases going back till June 2014.  That's 10 years so at that point I got sick & stopped! MET have never, ever taken a Cagger as far as a court hearing in all that time. As scribbled above, they have issued court papers a few times but have always bottled before the hearing. In one exceptional case the motorist didn't even have to defend - the judge chucked out the case due to rubbish Particulars of Claim. Sadly in two cases MET got a judgment because the motorist didn't file a defence to the claim.  But in one of the cases MET still didn't get their money as the person said he was elderly, didn't need credit and would rather put up with a CCJ than pay MET! So that's who you're dealing with - paper tigers.  They do court in maybe 5% of cases but even then bottle before it gets to a hearing. Anyway, let's see what writing to BP produces.
    • Any update here? MET started a court case recently against a Cagger concerning this very site and EV charging - and then bottled it and discontinued the case before the hearing. It would be useful for others to know what happened in your case.
    • The important thing to know is that MET - although they will send you threat after threat about how they will divert a drone from Ukraine and make it fall on your home - hardly ever do court. Even in the very small number of cases where they send court papers, if the Cagger defends, they drop the matter before the hearing.  They have no real intention of putting their rubbish claim before a judge.  The aim is to find motorists who are terrified of the idea of going to court and who will give in when the court papers arrive. Thanks for doing the sticky and well done on finding F18's thread.  Do what they did.  On the first page - I think post 19 - there is the address of the CEO of BP.  Write to them, lay it on thick about being genuine customers in the various premises, mention the small kids, the very short stay time, attach any proof of purchase - and request that they get the invoice cancelled.
    • Thank you for that, I have obviously already been convicted so I think the appeal lodged is for the previous offence? Sorry if that doesn’t make sense. I suppose my only concern is that weds I go there and they don’t let a stat dec happen. If they do then as you say and solicitor says it’s highly likely I’ll be happy with the outcome. But I’m being told there’s no guarantee for the stat dec to be hard Weds as that’s not what the hearing is proposed for. Solicitor has stated that you can put a stat dec before a magistrates at any time so it shouldn’t be a problem.   
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Blemain finance (now together money) charges help!


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I took out a Blemain finance loan back in 2005 for £16.913.00 , secured against my property (it was actually a refinancing of a previous loan with First National Home Finance) .

 

 

I sold my property in Jan 2012, both the mortgage and the Blemain loan were paid off.

The interest on the loan was 12.2%

 

The final redemption payment to Blemain was for £23,253.36 in Jan 2016 and this was paid in full.

 

I got the SAR from them

i have a break down off all the charges.

 

 

Through out the loan I did have money problems,

looking at the breakdown of my account there is quite a number of late payments.

 

There's just a few things I could do with help on:-

 

Over the period of the loan I've been charged for:

 

Letters = £30 - £35

Visit = £100

telephone charge = £30 - £35

Monthly charge - arrears = £33 - £46

Dishonoured Receipt = £30 - £35

Default Notice = £50

Buildings Insurance = £85 - £184

Buildings Insurance Block policy Charge = £16

legal costs = £282

application to suspend legal action = £13

settlement figure fee sent to 3rd Party= £30

Court preperation fee = £53

court hearing fee = £13

land registry copies =£4

online issue fee = £100

Issue warrant for possession = £18

collections instruction = £176.25

Legal fees to HMCS = £150

Post - Legal monthly Charge 2 = £130 - £215

 

I did get close to getting the house repossessed twice, which is why i had to sell it quickly and under the market value.

 

Some of the above were charged multiple of times, others just a few,

All in all the total charges come to £5,865.50

 

plus there was a Broker fee at the start for £1,500 (this is not included in the £5,865.50)

 

1) I can't remember who I approach to get the loan, It could have been Blemain directly.

£1500 seems an awful lot,

do I need to speak to Blemain about that as it seems excessive.

 

2) Which of the above charges can I try to claim back for?

bearing in mind they did attempt to take me to court a few times fir monies owed,

this was during the time I was trying to sell my house as i couldn't afford to live.

 

3) I have downloaded the CIsheet (compoundinterest calculator) and entered all the charges.

 

Bearing in mind the loan interest rate was 12.2% APR what % do I put in the interest rate (Apr) column, is it the APR of the loan which was 12.2%?

I take it the sheet automatically works out the 8£ compound interest rate in the final column.

 

4) Is there a letter template to try to claim back these unfair charges from Blemain

 

Any advice would be grateful

 

Regards

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http://www.consumeractiongroup.co.uk/forum/showthread.php?296108-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

 

 

you use the CISHEET but you cant reclaim legal nor broker fees

use their apr in cell d15

 

 

you should set the claim to date as the date you settled it.

 

 

you are entitled to 8% stat int using the statint sheet from that total on that settlement date.

 

 

reclaim letter is in the mortgage section of the library.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hello and welcome to CAG.

 

I'm sorry you haven't had any replies yet. I've flagged your thread for the site team to see if someone can help. Please bear with us. :)

 

My best, HB

 

 

Thanks :)

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