blemain/together mortgage - now on 3rd eviction notice - Friday 11th Dec

[Ell-enn]

Hi, you can't send attachments by pm - but I will send you a pm now with an email address you can send it to

[Ell-enn]

Hi, affixed is the statement for court. You need to fill in the info where there are XXX's at the top (remove the XXX;s) the info you need will be on the court forms you have received. Read through it carefully to make sure everything is OK. When you print it out, your printer needs to be set for A4 paper (not Letter size) so it all stays on one page.

 

On the budget sheet - write the Claim number on the top left hand corner and Appendix 1 on the top right hand corner.

 

Now assemble as follows:

Statement – signed

Budget Sheet - Appendix 1

 

Make sure it is stapled securely together. You will need to take a photocopy of it all for yourselves so you have a set to refer to in the hearing. When you hand it in to the court ask the court staff if there will be any duty legal advisors on duty on the day of your hearing. You will need to take the £50 court fee in cash.

 

Affixed is the N244 form and below are the instructions for completing it:

 

1.Name

2. Tick Defendant

3. Suspension of eviction

4. No

5. Tick at a hearing

6. 15 minutes

Agreed by all parties: No

7. Write - Not applicable

8. District

9. Both Parties

10. Tick box for attached witness statement

Cross out all options except The Applicant Believes

11 Sign and cross out all options except Applicant

Sign and cross out all options except Applicant. Enter your address andcontact details.

 

Many thanks, I have made some minor adjustments but other than that they are great and a tremendous help for me.

[AndyOrch]

All sorted then Sara.

[maggie60]

Not really Andy, my husband received a call from Blemain while driving back here which presented a very bleak picture.

[AndyOrch]

Please divulge......

[maggie60]

Rather not Andy as I am sure staff at Blemain scan these forums, but thank you. They really know how to demoralise you at Blemain.

[Ell-enn]

Can you send me a pm about it ?

[Rocco17]

The lender can say what they like at this stage, but it's not what they say that matters, it's down to the courts. They probably want to put you off going to court at all by saying it would be pointless, and either panic you into somehow getting a lump sum together or go ahead and evict without any opposition.

[Ell-enn]

Absolutely correct !

[maggie60]

What really annoyed us off was to refuse our offer and STILL EXPECT US TO PAY 90% OF WHAT WE HAVE IN THE BANK TODAY ANYWAY!!

ANd THEIR UTTER SHOCK WHEN WE SAID NO.

[Ell-enn]

I'd like to know why they are discussing this with your husband when the mortgage is only in your name ????

[maggie60]

Since I have been suffering from chronic angina he tries to take as much pressure off me as possible.

[Ell-enn]

Did you ever give them permission in writing to discuss the account with him ?

[maggie60]

I really can't remember. He has been dealing with them for years. IIRC there was some formality to it.

[maggie60]

Hearing is early tomorrow. How should we present the proof of income to the judge? Letter with labelled attachments and hand in to the usher on arrival?

 

Would it be wrong to suggest to the judge that we make the December payment due on 19th December during the hearing or would it be better to make the payment before we leave?

 

 

This will leave only a little in the bank but it is going to be paid shortly anyway.

[caro]

You could prepare the proof of income as you suggest and ask on arrival. See if there's a duty solicitor there who may be able to help you.

 

Tell the judge you have the money but wait and see how it goes before paying it - just in case you might need it if the worst should happen.

 

Let's not think about that though and stay positive.

 

What time's the hearing?

[maggie60]

10am

[maggie60]

All went really well so much thanks to Andy and particularly Ellen.

 

I had a really bad night and got maybe 20 minutes sleep, and I had a really bad angina attack.

 

Mr sara55 had to attend on my behalf and the judge was really good cancelling the eviction within 8 minutes.

 

Asked why we were on our third eviction in five months Mr sara55 tells me he explained:

 

1. One client who we made 6k a year for the last 10 years had passed into administration.

2. One missed payment and Animal Friends, bless them, cancelled our pet insurance and we had to pay £1,500 in vet fees.

3. We had been chased in recent months by a nasty bailiff for council tax arrears of £1,000 and according to Mr sara55 this was the winner.

 

I have never come across Blemain winning a case at court, long may it continue.

[AndyOrch]

Well done Sara...delighted that you have resolved this..now try to have a good Christmas and put this behind you.

 

Great work Ellen ...again:-D

 

Regards

 

Andy

[dx100uk]

well done that man!!

 

now send the fleecers a nice xmas present...

 

a reclaim for all the arrears fees

penalty charges

and visit fees.

 

and anything else like any insurances they spoofed you into having?

 

dx

[maggie60]

The *sweet little girl representing Blemain/******s (sorry misspelled Wallers natural mistake), said they were putting together a true statement for me showing all the charges they love to hide.

 

We are ready to go for the jugular when we recover from seeing that because we think it will be close to 30k. Justify that, Blemain.

 

* That is not sarcasm, she was nice, reassuring Mr sara55 not to be taken back on how she acted in court. He reassured her that he knew she was only doing her job.

[Ell-enn]

That's great news - hope you can relax a bit and enjoy Christmas

 

Whatever the judge ordered you to pay each month, you must keep to it - if you are even a day late Blemain can go for eviction again.

[dx100uk]

The sweet little girl representing Blemain/******s (sorry misspelled Wallers natural mistake), said they were putting together a true statement for me showing all the charges they love to hide.

 

We are ready to go for the jugular when we recover from seeing that because we think it will be close to 30k. Justify that, Blemain.

 

 

have you ever sent blemmy an sar?

 

 

might be an idea

you know how clever they are at hiding things

but the SAR is usually a very big minefield of unknown info to hit them with.

 

 

dx

[maggie60]

Happy to post the statement when it arrives - somehow I think it may take some chasing.

 

Then let's analyse it and see what is fair and unfair.

[maggie60]

That's great news - hope you can relax a bit and enjoy Christmas

 

Whatever the judge ordered you to pay each month, you must keep to it - if you are even a day late Blemain can go for eviction again.

 

Yes, despite being really good, he did make it clear we were sitting in the last chance saloon. Mr sara55 did say he could make an immediate payment, but he felt this could be set off against arrears and Blemain would expect another payment on 19 Dec, so he suggested we make the payment on the due date.