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welshperson3

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welshperson3 last won the day on November 7 2011

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About welshperson3

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  1. Hi suffering I went to court with them. But like a fish they wiggled and squirmed and got away, but like any big greedy fish they came back and now they are hooked again, and this time I have learned how to play a big fish. I did end up with an interest free loan I did end up with a charge free loan wp3
  2. sorry to hear you are unwell Thinking of you and get well soon bigmac WP3
  3. just here to say hello just a quick update after 9 years fighting blemain I thought me and blemain had come to a uneasy peace but its back on blemain removed every single charge from my account blemain removed all insurance charges from my account blemain removed all interest from my account (intrest free loan ) but I made a mistake I let solicitors add the point about brokers fees being unfair and I couldn't prove this point the same solisitors put phone harassment into my defence and I couldn't prove this point either so I ended up with some
  4. Don’t believe what blemain are telling you about them asking for the case to be stayed on the day of court. What blemain will do is to send a solicitor to court with orders to ask for possession of your home. Get yourself ready to deal with a possession hearing Read up on putting someone to strict prof send blemain and the court a letter saying you dispute the amount claimed and you are putting the claimant to strict prof on what they are claiming. wp3
  5. Cantor law and blemain one and the same (nearly) Cantor law are blemains in house (pet) legal team, cantor law work with blemain and operate out of the same premises, they also share a phone line, when blemain moved premises last year so did cantor law. I would advise you to treat anything this company dose or says to you with the same respect as if blemain had personally sent it. Personally I believe they have changed to in house solicitors to save on costs, I think they no longer want to go to court, and are now going to use cantor to hound and harass you into paying them some
  6. Hi Marvin You need to consider carefully what to do now, in my opinion this is what blemain are going to do now. 1 they are going to ask the court for an adjournment. 2 in a few weeks/months they will withdraw the case. 3 a few weeks/months after withdrawing from court they will start phoning you sending you letters saying you owe them money. 4 they will still have a charge over your house so if youever sell it they will get whatever they say you owe them, and it will be tens of thousands of pounds more than it is now. 5 how do I know this? this is exactly w
  7. Im starting to get the picture now havingread various threads and sites, this one in particular took my interest whichI posted on too http://nearlylegal.co.uk/blog/2012/0...se-of-process/ The above case is a perfect example of how blemain operate, and shows that you should never trust anything they say. My plan is to ascertain the magnitude of the charges applied to the account so an SAR isgoing off today personally I dont think they will obligate this. A good start and you are right they won’t comply, but the court is there to make them comply, threaten them with
  8. Ok let’s look at your options (there is no easy one) 1 you carry on exactly as you are and blemain carry on adding charges, you get to the end of your agreement and realistically blemain will say you still owe us over £20,000 but we are wiling for you to carry on paying us monthly until you pay us what we want. 2 you carry on exactly as you are and blemain carry on adding charges, you get to the end of your agreement and realistically blemain will say you still owe us over £20,000 you say no I don’t, blemain then start court proceedings and you defend against this. 3 you take o
  9. Web you asked about a template letter for claiming charges back from blemain, this company isn’t that easy, You need to consider your options on how to deal with this,but most importantly don’t rush, research and understand then decide what to do. wp3
  10. Hi web I asked how much your loan was for and when you took out this loan so I could see whether it was a regulated agreement, the answers you gave would make your agreement unregulated. A regulated agreement is one that has a specific set of rules on what must be done. Consumer credit act 1974 covers some loans, so lenders have to follow the rules set by the CCA 1974. MCOB usually apply to first charge mortgages (a standard mortgageto buy your home) so lenders have to follow the rules in MCOB. As your loan is not regulated then there is no specific set of rules that
  11. Anyone reading this that has a regulated loan with blemain then may I suggest you read the terms and conditions of your agreements, there are more unfair terms than there are fair terms in your agreement, what these terms allow blemain to do to you is shocking, you real did sell your soul to the devil when you signed this agreement. ( I signed one I’m ashamed to say ) but there is a cure you just need to challenge them and stop being a victim, It will make you feel a whole lot better. wp3
  12. Marvin you only have about 15 minutes max in court, and you just have to show you have a reasonable defence as to why you don’t owe blemain what they say you owe them. The judge will set this down for a trial (give you another date)he will also give directions on what has to be done before this date and you canask him to direct that blemain prove what is owed. So when in court tell the judge that you are putting the claimant to strict proof as to what they are claiming and ask him/her to order blemainn to supply this information and then allow you to put in a defence. In your de
  13. Hi Marvin Blemains insurance charge is a penalty charge the same as all the other charges added to peoples accounts. I will explain (in basic terms) what makes a charge a penalty and what makes a charge unfair 1 for a charge to be a penalty = it is something that you have to pay when you breach one of the terms of the agreement. So term xxxx says you have to insure your property and put blemains name on the policy, you didn’t (no big deal) so blemain charge you, step one of becoming a penalty. 2 Rules and regulations allow lenders to make a charge when someon
  14. Make yourself a list of all payments made on this account;take it to court along with the loan agreement to show you have paid this agreement in full.
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