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    • Hello,

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    • We have finally managed to obtain the transcript of this case.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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welshperson3 v blemain finance - 140A Unfair relationship -started court proceedings


welshperson3
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I have just finished re-reading this thread, trying to educate myself, as things are coming to a head with me and Lancashire Mortgage Corporation.

I have a final chance to issue a counter claim, which will be 1.unfair relationship 140a b & c CCa 1974 2.

Fraudulent misrepresentation act 1967 but after reading this, i am considering adding unfair terms in the contract.

Does anyone have any specific information about the unfair terms in blemains contract as i believe they exist, some are brushed over in this thread but can anyone elaborate a little more.

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  • 1 month later...
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Blemain Finance Limited

In October 2006,

we obtained an undertaking from Blemain Finance Limited under the Unfair Terms in Consumer Contracts Regulations 1999.

 

The undertaking related to how the firm calculated the level of its early repayment charge (ERC).

 

In September 2010 the undertaking was withdrawn from our website to reflect our updated view

that the ERC levied by the firm formed part of the price the borrower pays

in exchange for the service of being provided with a mortgage which operates at a fixed/discounted rate of interest for a period of time.

 

Our updated view is that it is unlikely that the level of such charges can be assessed for fairness under the Unfair Terms in Consumer Contracts Regulations 1999

 

 

Taken from the Financial Conducts Authority Website

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This has nothing to do with unfair phone call charges unfair interest rate, unfair letter charges unfair interest rate unfair buildings insurance or any other unfair charges blemain add to everyone’s account.

This is what blemain used to charge people when they wanted to pay off their agreement’s early

(ERC) early repayment charge as blemain haven’t been charging this since 2006 then I think this post is slightly misleading.

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that's about the worth of their usefulness here too

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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Yes I understand that.

This is just another way this company make you part with your hard earned money and they have many more.

I was stung big time with early redemption charges. ....

The Co have been fined I might have another try to recover what they should not have charged me to release me from their clutches

Unfortunately I redeemed in 2003 but maybe it's still worth a chance...I'll follow your story and wish you luck

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Hi - excuse me but are the FCA saying that they no longer support the idea that ERC's are subject to the test of fairness?

 

I am thinking that an ERC coupled with a MIG is belt and braces and a company that 'employs' both

and then sells the product 12 weeks later is really taking the ****, as in my case.

 

A MIG is a higher lending fee in another cloak in my own opinion, and if both of these are supposed to be to protect losses for the lender in some way,

can we ask the companies involved to show the figures and prove what they assert?

 

Take that along with their abuse in the libor rates plus additional charges and they really are just printing money.

 

I am still struggling to get any acknowledge from GMAC/Paratus on these matters and they just give me the usual guff about what they are allowed to do - e.g. get away with in this country.

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  • 7 months later...
  • 8 months later...

Thanks for the update suffering, hope his nightmare with them is over now! Did you have problems with them to, if so how did/are you getting on? I've started a thread as I'm about to take them on and to be honest, im dreading it!

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  • 1 year later...

hi

blemain are not allowed to charge fees constant now for ringing you 35 pound a time

its now at most one a month 35

together have said i think he said they have stopped it happening,

but this is still crazy,

claim it all back hun through support team that together now have, put a complaint in and dates

you may be shocked how much you get back hopefully

just be careful because they stuck interest on also

dont fall over when you get that shock too 

yes about your loan and others the same there are quite a few hun that were not dealt with right

im fed up with the trauma

trying to chill but am hating seeing so many customers of blemain all left in a pit and we should have been out the pit yrs ago.

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  • 6 months later...

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 (interest 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 solicitors put phone harassment into my defence and I couldn't prove this point either

so I ended up with some costs

so me and blemain are back on

I will start a new post and give you all the details

WP3

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  • 3 weeks later...

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

 

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  • 2 months later...
  • 2 weeks later...

hi fielder

hope you are well or should i say well as you can be under blemain hows things with you - has your loan gone now?

hi welshspoons

are you back in court now? or whats happening 

bigmac

hi, what did you decide to do over blemain? are you alright.

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  • 1 year later...

The stress is horrendous, i took ill and landed in hospital for a couple of months, due to the stress of all this i decided to drop my fight for the sake of my health and paid it in full. In short 5k loan i paid back £21,322.38. 

On another note though i got an ambulance chaser call me regarding blemains hidden commision to broker and she was telling me they have had lots of success against blemain (together). I may look into this one day when i feel ready to do so. 

All the best to anyone fighting these crooks

bigmac

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I seriously doubt any ambulance chaser has ever won any case

don't waste your money

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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