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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
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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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