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    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
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Blemain - is there any known connection to Enterprise Finance Limited?


MaDeHall
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Hi,

 

I have joined here after reading an exceptional amount of valuable information regarding Blemain Finance (or Blemain Group) now operating as Together.

 

About myself: I am a law graduate and helping a friend with his mortgage taken from Blemain.

 

About the friend:

From what I can see he has taken a total of 5 "charges" over his property from Blemain over the course of 2013 to the present.

 

 

It started with £15,000 and now he owes 4 times this amount.

That is not to say he did not exercise his own will, but so much about their operation is incredibly DODGY (for want of a better word/phrase), that it has made me upset to see a family friend potentially abused.

 

 

He suffers from brain damage and this house is his only asset which I can foresee him losing if something is not done about the way Blemain/Together are operating...

 

At some point he spoke to Phone-A-Loan who are an associated company of Blemain.

It is unclear to me what their role was, but I hope to establish this position as quickly as possible.

 

Enterprise Finance Limited always appear to have acted as the broker.

They seem to take a fee each time he redeems his mortgage then opens a new account with Blemain

 

 

(as stated this is his 5th loan/charge/mortgage.

My question at this point is has anyone else dealt with Enterprise Finance Limited?

If so did they provide options of lenders (ie alternatives to Bleamin)

or did they simply tell you to go to Blemain for the loan?

 

 

From my limited research I can not discover any connection between Enterprise and Blemain but I suspect there must be some link (even if it is beneficial ownership which would be fairly difficult to establish or prove).

 

From the initial loan of £15,000, the charges which have accumulated as he has re-mortgaged amount to £15,000 and he has been extended a further £30,000 in credit.

He, nor I, have yet requested the SAR, will do soon

I am interested to see if there have been any hidden/undeclared charges to his account.

 

 

In all this practice seems deeply unfair and I have a feeling it may well be considered more than "unfair" in the eyes of the law,

 

 

At this stage I do not want to throw around accusations without evidence.

I would really like to hear from others, and particularly those who might have dealt with Enterprise Finance Limited as the brokers.

 

Thank you,

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check the yellow stickie but that name is not in any threads here.

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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