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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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blemain adding £1000's in charges - help


marco23
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claim form is a last resort. get all your paperwork sorted and go through procedure first. Or youll fail. hard.

 

OK, tomorrow i am going to pay a lump sum into each account this will reduce the loan balance and put the loan back on course for ending in ten years,,i have printed out the SAR form and this will be posted tomorrow. is that all i need to do for now???

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i wish you well marco23 take care)

 

martin do you know what RED HERRING means ? i think we just had one.

 

because of my claim site team i am very sorry if you get sleepers etc its properly cos my case will really shake blemain, and at the end of the day,

 

its long overdue sorting them out and my life under games of blemain has to end and thats that.

 

I wish mark well who just posted and us claimers will carry on).

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Yes i am aware of what a red herring is, maybe you could elaborate why you think there is one?

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The only bonus marcus will be blemain properly havng to pay all BONUSES back,

im not on about our REFUNDS

im on about what blemain got for colour code loans.

 

 

I certainly would nt call what i had stolen from me a bonus anything coming back.

 

 

Im sure you know blemain well and the tricks they play.)

like the mark from blemain that came out to my home

he told me he had worked for blemain over 12 yrs, this was from when all the loans that are now in court were done.

 

 

Thank heavens for courts and judges, or the customers under blemain, would stay all dictated too and no way out or get release.

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Hi martin2006 ive been wishing for more rain, as few days ago late at night a car went past my home

there was a loud bang

 

i went out and a large container with black engine oil in hit my pavement and spun round and put all oil everywhere it landed at my neighbours over hers too.

 

Oil still outside .

 

The container was put in neighbours bin now and dustbin men took it.

 

I do have a question martin if i needed to talk to consumer forum do i email or what number is it?

 

 

I am ok at min, just asking really.

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Just looked up on line how to get engine oil off, says use washing detergent so next we have bubbles out there. Im sure my neighbours young 4 children would come out and play with bubbles everywhere thinking its fun time? not. bless them .

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cat litter or sawdust

or all the better ring police 101 and tell them there is oil on the highway and pavement

should you be doing anything about it as its dangerous?

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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cat litter or sawdust

or all the better ring police 101 and tell them there is oil on the highway and pavement

should you be doing anything about it as its dangerous?

 

Thank you for reply dx100uk its not on road, thank goodness it landed over path and nextdoors garden ,once the children nextdoor gone bed i will go and put some cat litter on whats left now on pavement. My neighbour is parshally blind so she may fall if not all rest of it cleared up. Luckily i got cat litter in so thank you for tip. Nextdoor has had a lot of visitors this last wk and they park on her drive so any oil on the grass should be clear now, but nobody done whats oil is left on pavement ,its rained but not cleared all hopefully after tonights cat litter. Been just over wk now since it happened. Nextdoor s visitors next day first stuck the can next to my hedge/hers hedge which joins nextdoor garden to mine i saw where it was put next day, so i quickly picked it up stuck in her bin near hedge and i got oil over me. I will go out soon tonight and do path).

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i was going to ask the other day but forgot-

these secured loans, can anyone explain to me how they work, i mean the repayment shedule,,with Blemaine does the balance not really start to come down until half way through the term

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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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  • 1 month later...

I have had numerous dealings with these.

 

 

These people are bullies and sharks

-they will do anything they can to either eat into your equity

-try get rid of you

-threaten court action constantly.

 

 

I must have been in court with them 4 times and they have never won

-now they are at it again

 

 

-stand up to them they will try wear you down but stick up to them

-NOBODY LIKES A BULLY.

 

 

I wrote and ask for a detailed explanation of all charges on my account over £30

suddenly they refunded 10k to my account quoting 'HUMAN ERROR'

 

 

I suggest everyone who has any dealings with this shower does the same.

I will keep posted about my latest drama with these Sharks.

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  • 1 year later...

hi again to all,not been here for a while, anyway here goes-

 

I have two accounts with Blemaine Finance/ Together, both accounts are serviced up to date however i have had charges applied when i lost my job around 7 years ago, i have been chipping away at these over the years to stop the interest mounting up, i want to look at reclaiming the charges 'if that's possible' the charges are described as follows-

 

Multiple letters at £35.00

Dishonoured receipt charge £35.00

Cancellation of building insurance £75

Building insurance block policy charge £30

Building insurance £30

Monthly arrears charge £33

Letter £35

Visit £100

 

These are not one offs except the visit, Total combined charges just about fall short of £3k.

 

if anyone could point me in the right direction as regards to reclaiming it would be most appreciated

 

thanks to you all

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Thread title updated.

 

Andy

We could do with some help from you.

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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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  • 2 years later...

Hi folks, ive not been on for some time, hope the mods are all well

 

Just a few thing if anyone can put some light on-

 

Im 10 years now down the road with 2 loans taken out with Blemain Finance (now Together) , so not long left on them before they finish,,

 

since taking the loans out i had a period when i struggled to pay and falling into arrears which resulted in the accounts being bombarded with charges this being around 3k, this was built up by fees for letters and a visit and interest  etc,

 

thankfully these are now paid off and the two secured loans are on track to finnish on time

 

, i have recently received a letter advising i'm hitting retirement age and this could impact my repayment capacity as income generally drops and if i fail during these remaining years they could reposess,

 

would anyone know if this could be regarded as irresponsible lending by B/F as they had sold the loan to me knowing i would enter into this retirement period?,

 

also would i have any chance of reclaiming the charges back or part back?, if anyone can recommend a company who deals with this kind of stuff that would be appreciated 

thanks  

Edited by dx100uk
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Threads merged for history..4rh time..

 

no one has tried, and we cant/dont recommend CMC's

 

Dx

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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