Me and Blemain

[Bigmac versus]

SAR will be sent on Monday, anything different for Blemains?

[Bigmac versus]

Sent SAR and cca request,

 

the next day we received a whole lot of stuff including credit agreement,

copy of their final offer from Nov last year

and another revised final offer giving us 6 months to accept or reject their latest final offer or go to FOS.

 

Today we got in the post our requests returned to us as "addressee gone away"

the address we sent them to was the address that is on their court papers sent to us for later this month.

 

So surely that address if not used anymore shouldn't be on the court papers served to us?

 

The address was blemain finance ltd, bracken house, charles street, manchester, m17bd.

 

Interestingly we also received a call from someone who knew we had an account with Blemain finance

and were asking if we were mis-sold the loan!

 

Wife called them to ask about the address and was told it changed in September 2012!

Edited April 4, 2014 by Bigmac versus
more info

[caro]

I suspect their solicitors messed up but that they wouldn't have too much trouble amending the claim.

[Conniff]

Name & Registered Office:

BLEMAIN FINANCE LIMITED

LAKE VIEW

LAKESIDE

CHEADLE

CHESHIRE

UNITED KINGDOM

SK8 3GW

Company No. 01185052

[caro]

Have you checked with the court if there's a sist? Also if they are aware that the address is wrong.

[Bigmac versus]

Thanks for that, will check with court regarding sist, they did say would be requested on the day though, we do however have emails confirming sist will be requested. Will appear on the day in question to find out. Maybe i could ask for it to be struck out due to address? Would only reissue but would be funny.

[Bigmac versus]

Posted again to new address, now the waiting begins. Will look into mis-selling in the meantime.

[Bigmac versus]

Got another set of accounts from them through the post, as clear as mud.

 

These accounts are terrible to understand and the few i have been sent all have differences,

 

I have had to write again explaining i need a true up to date statement of account

they claim is owed to them.

 

Dont want to complain about something they have removed in their final response.

[determindator]

Posted again to new address, now the waiting begins. Will look into mis-selling in the meantime.

 

Hi Bigmac, may be useful info here http://www.fca.org.uk/firms/firm-types/mortgage-brokers-and-home-finance-lenders/mcobs/scope-of-regulation

 

http://www.which.co.uk/consumer-rights/problem/i-think-ive-been-mis-sold-my-mortgage-what-can-i-do

[Bigmac versus]

Thank you determ, i will have a look,

[Bigmac versus]

Been reading up loads on Blemain and found lots of interesting stuff,

 

found a few things in the terms and conditions too that im sure can be proven Unfair

given the opportuniity in court.

 

My fear is at some point they realise this and drop the case leaving me with a charge on my house.

 

They do make mistakes and lots of them and i hope they pay for it.

[dx100uk]

I think the sar will be your golden bullet

 

dx

[caro]

Been reading up loads on Blemain and found lots of interesting stuff,

 

found a few things in the terms and conditions too that im sure can be proven Unfair

given the opportuniity in court.

 

My fear is at some point they realise this and drop the case leaving me with a charge on my house.

 

They do make mistakes and lots of them and i hope they pay for it.

 

I'm not sure that I follow you here Bigmac. If they drop the case that doesn't prevent you pursuing charges etc, which will reduce the balance. Was the original loan secured or unsecured and they later got a charge put on? When the debt is cleared, as I understand it the charge can be removed can't it? Or am I being dense?

[webbscatering]

Hi bigmac

 

Sorry to hear you're still having problems.

 

If you haven't already considered it you might like to research if your mortgage was missold for example due, for example due to self certification or not checking affordability.

 

has anyone started a thread regarding Mis-sold mortgages?

[Bigmac versus]

Hi all, i decided to put together a complaint (32 pages) and send to the FOS, they have taken best part of a year to get back to me and basically a total waste of time there. I am now back in communication with Blemain and the ball is up and running again so to speak. Will update as and when anything changes.

[Fielder]

A year is a long time, especially when it is a waste of time. Still interest on the charges is accruing! !

 

Thinking of going for mis selling on my claim to. Is self certification enough grounds?

[Bigmac versus]

Now at court stage and intending to go to strict proof over these charges, will update.

[wungus]

Wow, op from 22nd June 2013! Please do keep us posted on this

[Bigmac versus]

Looking at the broker side of things having had received commission from the lender without disclosing the amount or indeed notifying me of it then the impartiality of the broker acting as my fiduciary can be questioned and the commission paid seen as a bribe.

 

I think there is a case to answer here regarding an unfair relationship but coupled with the fact that the broker I contacted who was advertised as u uk company (freedom finance) was actually not the broker and the broker fee and commission went to bespoke finance based in gibraltar and as they are not within the jurisdiction of the uk regulatory bodies. This was not something I consented to or had any knowledge of till my SAR came in. This in itself throws weight to this unfair relationship argument.

 

Any thoughts?

[Bigmac versus]

It is widely accepted within the industry that the commission paid to brokers is often covered in the way of higher interest rates. My rate was 17.9% which is high for a secured loan.

[dx100uk]

if you use our search cag box top red toolbar

bespoke finance

you'll see most claims have been settled without their involvement

its a smokescreen

by whomever the lender was.

[Bigmac versus]

Thx dx I will take a more in depth look over next couple of days.

[Bigmac versus]

Just an update; Court is ongoing and I have a solicitor to represent me as per the judges request.

 

I am requesting the judge to make an order under section 140(b) (1) of the CCA 1974 for the contract being used unfairly by Blemain (various reasons which I will go into if successful)

 

If the above fails I am challenging the fees applied to the account as they are penalty fees using the monarch route and OFT guidelines on debt and arrears collecting.7

 

I am challenging the building insurance and legal costs applied to my account and require evidence such as payments made to both claims as per the FOS.

 

Other issues such as hidden commission paid to the broker may come into it as I had no dealings whatsoever with bespoke and certainly didn't get independent advice from them acting as my fudiciary as to wether or not Blemain was a suitable lender for me, not to mention the interest rate argument.

[caro]

Hmm. Just spotted an email notification of an interesting post from another Blemain warrior fighting similar battles to you Bigmac. Seem to have missed your posts somehow and that one's gone. :-/

 

Regardless, I'm glad to see you've lost none of your tenacity and are still in there fighting Bigmac. Wishing you and yours a great Christmas and a successful and prosperous new year. xx

[lola_123]

Bigmac is in hospital very ill. I saw the email notification you mentioned I think.