Blemain problem

[croydon boy123]

1.I took on a loan of £40000 (£46000 including fees etc). My income and affordability document from Blemain showed I could afford £723 per month.

2.Blemain knew from the outset I would not regularly meet my payments of £1040 per month.

3. I took on a PPI for £3700 at the beginning of the loan, and cancelled it during the cooling off period. Blemain did not refund me.

4. Loan finished in December 2011. Wrote to Blemain in April 2012 asking for charge to be removed, they did not reply. Wrote several times they would not reply. Was informed by Cantor Law that they do not deal with the customer direct.

5. Instructed solicitors at a cost of £400 to get an answer as to why the charge was not removed.

6. One year and ten months later from my original request they wrote to my solicitor informing them I owed £14000 in penalties and interest.

7. Wrote letter before action requesting my PPI be refunded.

8. Blemain have defended saying they did not provide the PPI, and it was in fact Norwich Union. I have substantial evidence to show they did provide the PPI.

9. Blemain have counterclaimed by way of set off £14000.

10. They applied to have my claim struck out as an abuse of process but they did not succeed.

11. The trial has been set for march. There is no question that I am going to win and look forward to it.

 

Marvin, keep up the fight, the penalties and interest charges levied by them are bogus and the court will not support them. WP3, won a gallant victory against them he is worth listening to

[slick132]

Hi Croydon,

 

You now have your own new thread to discuss your case., after posting on Marvin's thead here - http://www.consumeractiongroup.co.uk/forum/showthread.php?412048-impending-reposession-Blemain..&p=4450963&viewfull=1#post4450963

 

[croydon boy123]

Hearing is on 13th march. Blemain are claiming the unfair relationship test in my case does not apply and are quoting Barnes v Blackhorse.

 

Any ideas anyone

[slick132]

The case you mention is concerned with PPI primarily. Google search and you'll find useful summaries of the case.

 

In your case, I assume there's a large amount of penalty charges applied to the a/c. Have you listed these on a spreadsheet and quantified the claim.

 

Can you post your PoC and their defence in response. Hide personal data and post the docs as a single PDF.

 

This can then be moved to the Legal Issues forum for input.

 

[dx100uk]

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[croydon boy123]

How about this for a piece of nonsense. I have requested the court to look at the Blemain contract to assess under the unfair contract terms 1999. Blemain have said that clause 29.7 in the schedule regarding variable interest rates, but to the legal charge.

[croydon boy123]

I requested the underwriting sheet they refused to give it I made an application to the court, they sent it to me one day before the hearing. Dont give up. I am not sure why you need the valuation report. What are u hoping to achieve with them

[citizenB]

Link to suffering's thread

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?418969-Re-Blemain-Finance-Sar-Request-information-not-released-by-Lender.

[croydon boy123]

As you know I am going after Blemain and there is a hearing on the 13th March.

 

My opinion for what its worth is dont trust them, dont go for mediation and let them fear you through the courts