Jump to content


  • Tweets

  • Posts

    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

blemain/together mortgage - now on 3rd eviction notice - Friday 11th Dec


maggie60
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1900 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Just be honest about what you can pay and when - if it turns out you can pay more then that's a bonus but the worst thing you can do is say you will make XXX payment and then not be able to do it.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

  • Replies 209
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Very true Ell-en.

 

 

If I write to them and send by special delivery offering the following:

 

 

1. Request confirmation of the current arrears so I can reconcile it and make sure there are no hidden charges.

2. In a weeks time when the next payment falls due make one monthly payment of £750 in line with the court order. This way I do not fall a further month behind.

3. One week later make a further payment of £750. (I can make this payment even if the £950 I am due in on the 27th dec doesn't arrive. Once that is in I will have £900 plus £300 emergency reserve and decide whether I can make another payment).

4. Offer to make a payment of £750 by 6th bringing the court order up to dare and the arrears reduced by £2,000 since the order was made last March.

5. Request they advise me by post or text they are agreeable.

6. If they aren't and I have to go to court and manage to scrape through raise a SAG.

Link to post
Share on other sites

Sorted for now, decided to ring them and they have agreed to suspend the eviction if I get the court arrears up to date which I have now done and they agreed to paying to payment due shortly at the end of the month.

 

 

So will get SAR sorted in the new year. Have many been successful in getting fees deducted by Blemain - from what I have read, no recoirded cases.

Link to post
Share on other sites

This is ridiculous, when I just checked to ensure they had received the £1,500 to cover the two months arrears on the court order they told me that the two collection officers I had spoken to had made a mistake and the full arrears was still needed by stop the warrant.

 

 

He was quite surprised when I said I had full recordings of all the conversations and said he would get a complaints officer to review the calls and contact me within 3 working days so I had better transcribe the calls over the weekend.

Link to post
Share on other sites

Feck!!! Just got a call from Blemain saying they had spoken to the legal manager (the one with the CSE in Law) saying they would honour the original agreement.

 

 

I wonder how many Blemain Collection Officers it takes to change a lightbulb?

Link to post
Share on other sites

 

 

I wonder how many Blemain Collection Officers it takes to change a lightbulb?

 

 

 

 

 

I doubt they'd have the ability

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

  • 5 months later...

Just an update as Blemain now seems to have migrated their system to a new magic computer that includes fees and interest that are not shown.

 

 

I have made 15 monthly payments and reduced the arrears by £3,000 since we last went to court, and when I compared my arrears figures with theirs (and surprise, surprise, theirs was higher.

 

 

Although, I understand Blemain's old trick is to hide the true balance accrued through late payments, adjusted interest etc, we can argue this out in court in future. My understanding is that arrears or a credit balance is simply made up of monthly charges less payments made.

 

 

I requested a statement from Blemain and noticed many running discrepancies in running balance. So I checked the statements a few times and finally listed the figures on their statement on Excel and confirmed the arrears figure as £526 instead of the £4,500 they were claiming.

 

I sent the following email:

 

Further to my conversation with Lauren today I have attached I list of all 112 monthly fees of £539.12 to date less payments (as per your statement) and as Lauren clarified today the difference between the total of the two figures forms either the credit balance or the arrears.

 

My statement shows every payment and I calculate the arrears to be £526.69.

 

Please explain either by email or by letter within the next seven days how you have arrived at your arrears figure which is nearly £4,000 more than mine.

 

Please do not ring me as I need to keep a paper trail in case we need to go back to court. It is not always possible to record incoming calls on my phone and it is only through recording conversations with you, that qualified a statement made by a member of your staff and stopped you issuing a 10th eviction notice.

Link to post
Share on other sites

  • 8 months later...

I managed to keep abreast of things until November and now have another eviction notice to fight as eviction set for 12th Feb, so ringing the Court tomorrow.

 

A bit frightened this time, as last week I went to St Thomas Hospital in London for an angiogram and they couldn't find the problem, and now with Blemain, I am getting angina attacks more frequently.

 

Anyway, on the plus side, I have reduced the arrears from £6,600 to just under £4,000 since the last hearing in early March 2017 but still off target by £2,000 on the original agreement with the Court.

 

The difference on the arrears wasn't as large as I had hoped, but I do have a clear audit trail using Blemain's own statements to show they are overstating the arrears by full £550.

Link to post
Share on other sites

What happened in November maggie...did you miss payments ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Andy,

 

Every autumn (well Oct to Dec) is our dead period. Received an eviction notice last December, which they had to drop when we advised them we had a recording of them agreeing to a payment plan. Got a full verbal apology and £550 against the ridiculous mortgage fee not cash) for that cock up.

 

Anyway this year ended up paying September in the beginning of October, October and a bit of November in January and so nearly three months behind.

 

Thanks,

 

 

Maggie

Link to post
Share on other sites

Hi Maggie, do you have a payment plan to offer when you defend the eviction notice?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Hi Ell-en,

 

I was going to make an appointment tomorrow to take the N244 etc in on Tuesday in the hope of getting a hearing Thursday.

 

So I was going to do the I and E tomorrow. In the past, I have run these past you, would you like me to do that when done?

 

Couple of things in would like to run past you:

 

1. Will the reduction in arrears from 6.6k to 4k over 23 months give me any bonus points, I appreciate the debit side is 3 payments behind?

 

2. Any benefit in paying BF a bit more before the hearing?

 

3. We have good months in April and July. Can we make an arrangement to pay more those months or should every monthly payment be equal?

 

4. As the new arrangement will target to have the loan paid within 13 months and loan has 50 months to run, I do not need to quote the Norland case or should as a precaution?

 

5. Worst case scenario, the judge declines my application, can we ask for a withdrawal agreement to give us time to find somewhere if we are making monthly payments, or will OH, me and the dog be sleeping in my little two seater Tuesday week?

Edited by maggie60a
Link to post
Share on other sites

Could I trouble Ell-en or Andy or someone on the site team to look at my Witness Statement, N244 and I and E form? IIRC I have to take these to the Court in triplicate.

 

I would prefer to send this as a PM to begin with in case they advise me to make any changes and I do not want Blemain to see my drafts.

Link to post
Share on other sites

Upload the docs here as a PDF file (only member's can open it) I will then unapprove it so only Site Team can read.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thanks Andy. If I was running the collections dept at Blemain I would get one the juniors to monitor every consumer forum every day.

 

You guys may make suggestions that considerably alter the final submission and don't want Blemain to see what I will accept yet.

Link to post
Share on other sites

Hi Maggie, apologies for the late reply - I have been unable to get online today. Your N244 and budget sheet look fine. The witness statement is a little lengthy but hopefully the judge will take the time to read it all ( to be honest all they are interested in is how you got into difficulties and if you have the ability to make the repayments you have offered). You should include the Norgan case law and Administration of Justice Act,, it won't go wrong.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...