Thanks Natty, can see your still up like me..just tried that and I know what you mean, but the name came up as no recognised when I tried to send the pm, from my pm's. I know the name is correct, as I remember it vividly? This is why I think a list is good

Its good to have a cant find what your looking for list for banks, contact numbers etc, but can we have a members list to so we can find people. Someone came into chat the other night with a question, now of which, purely by chance, ive found a link that would be most helpfull for the person. However, I cant find the person and eventhough ive searched his name, its not come up.

So where would that leave you regarding a legal aid contract then for legal services through the LSC, which is also a system with regulations set by parliament (Government). Although you also sign a contract, in effect like any other contract?

Well the acount will show up as 'settled' for the initial amount owed. Presumably it comes off, six years after the date it went on. I would send out a sar and so far you can only claim back six years although you can try for more and see what happens, some people have done this.

I said to my solicitor, check the figures before you pay out Blemain. He said yes they are correct, what he was really saying was, ive added up the total redemption figures and thats what they come to. Solicitors, the next set of thieves in the equation. It should have been the accountants job, but you know, like you, I was paying a brief and figured, he can do it. Im not at Court proceedings yet groovy, but ill keep you updated on this thread. Ive sent off a letter of non compliance for the silly print off I recieved instead of understandable and clear statements of accounts, so we' ll see what comes next.

He is the group customer services manager, but also dealt with my letter I sent. I havent got the redemption letter at hand, so cant say he dealt with that, but he probably did. Mine were secured loans too groovy but it does say mortgage on the contract. It says at the top: Credit agreement regulated by the consumer credit act 1974 including legal mortgage of the property. I had three seperate loans with them. One for £5,300, one for, 15k and another for £20k. I repaid them back £54.000 in one lump apart of course from the monthly amounts already taken. I just wanted out....they were hell...

Of course we should have had a breakdown of the redemption and of course we should have had statements. All mortgage lenders give statments dont they. I was living in another world then mentally and knew I was being taken for a ride. Any statement I got ( and only when I queried the payments id made as overpayments, never acknowledged) I got a silly printout that made no sense. I knew one day I would be out of my ruck and would go over stuff, which is what im doing. They did a loy more than just take my money and theyre not getting away with it. So ill be your bank buddy on this one groovy, because now I can.

' Pompous' well actually no, im an artist and the same applies to me, so people usually need a license for using my work. Although as you say, as the originator we all have copyright. Dave and BF have offered their words publicly and in doing so theoretically given their permission to share them by their use of wording. Whereas, if you write a column, no doubt you add the copyright logo after it. You also do it for good reason, because you dont want anyone else cashing in on your thoughts.

I already have........

The Legal services commission, in providing legal aid in Court cases, refer to this financial assistance as a loan. These loans are charged to your property if you can not afford to pay them back. The rates of interest accrued daily on the amount of the loans vary annually at differing percentages rates (statutory interest). Is this interest claimable as compared to compound interest charged by mortgage lenders?

My loan is 2001 ans still contains the clause.

Ok Did a bit myself groovycaz.......found this already on the forum ...... If your secured loan is governed by CCA 1974 then s.95 (1) entitles you to a rebate of charges to credit. http://www.passprotect.studio400 .me.uk/Consumer_Credit_Act_1974. PDF The Consumer Credit (settlement Information) Regulations 1983 requires the creditor to give a statement of amount required to pay off the loan and how this was calculated. The Consumer Credit (Early Settlement) Regulations 2004 (see link below) regulates the calculations and these cannot be contracted out of to the detriment of the consumer (s.173(1) CCA). So an ERC would be classed contracting out of the Regulations to the detriment of the consumer. These Regulations only apply to loan agreements taken out since 31st May 2005: The Consumer Credit (Early Settlement) Regulations 2004 If your loan was pre May 2005 the Consumer Credit (Rebate on Early Settlement) Regulations 1983 apply which contain the rule 78 which provides that creditors can charge upto six months interest on redemption. Anything over the 6 months interest would be regarded as a penalty and unenforceable.. However..Blemain Finance gave the Office Of Fair trading assurance in November 1997 that it would no longer use the rule of 78 when redeeming.

Ripped off, thats why im suing them groovy and in the process of.......

I aslo saw that stop had said in the thread above this one, Tax Credits overpayments. That someone had been claiming in his name coincidently. Maybe he can offer you some advice, having been in the same scenario so why dont you pm him.

Perhaps if you were to report it to the police, and thats if they listen of course. You may be able to get a crime reference to take to the DSS. That way they can see your being legit and maybe continue your claim as well as investigate it themselves. They shouldnt really leave you with nothing to live on although of course, they often do...

People talk, stuff gets mentioned, im sacking the mate that told me that, its the second piece of garbage ive passed on, great sight the snopes one though, ill refer to it next time first before I post any info through the grapevine

Found out last night to from Jules........ill have to sack my friends now wont I......what can you do?

you are sooo taking the **** matc 1......keep on.......

ooh that tick looks suspicious, and apparently according to jules, whos sister works for Barclays, the last post is a myth. Can anyone confirm its valididty? This was info given to me, so id like to know if its kosher or not

If you ever get robbed at a cash point or forced to draw money from one. You can notify the police by putting your pin in reverse. The ATM notices that your pin has been entered backwards when your card is placed in the machine.The machine will still give you the money requested, but unbeknown to the robber, the police will also be automatically despatched to help you. Its seldom used because people dont know it exists. vbrep_register("428043")

If you ever get robbed at a cash point or forced to draw money from one. You can notify the police by putting your pin in reverse. The ATM notices that your pin has been entered backwards when your card is placed in the machine.The machine will still give you the money requested, but unbeknown to the robber, the police will also be automatically despatched to help you. Its seldom used because people dont know it exists.

Perhaps after having invested so much time and money into researching the legalities of this situation and potential banks responses, you could add some free extra info here to share

Remember how to address a judge, as 'Sir' or ' Madam' or if its a QC sitting in as ' Your Honour'.

In a directions hearing you would make an appearance, and explain to the judge (who will already have briefed himself on your case from his court file) who you are and what you are appearing in front of him to achieve, so you outline your case and the judge may ask you some questions about it,keeping to essential points but not going into the details necessarilly. This is to ascertain the projected time the case is likely to take at the next stage of proceedings and the judge may ask if any applications have been made to vary the order.He will then allocate a time to fit the case in to be heard and propose what direction, next to take.

If you really want to help people why not just stick some CAG strips in the local library, newsagents etc notice boards. They are free to downlaod and print off as many as you like, In this General forum. Help The Consumer Action Group - Strip Off Its good to show enterprise and there are vulnerable people like the old lady who youve helped, so thats commendable. Dont however assume that you can appear to be sponsored by CAG by donating a percentage of what you take, after taking BF and Daves hardwork in building this site and using their knowledge to line your own pockets.