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

[caro]

Glad it went well. If they do send you a statement of charges you'll need to check it with a fine toothcomb and check the interest on them.

[maggie60]

Thank you for moving the post, bet it was dx.

 

Hope it help others realise there is light at the end of the tunnel.

 

OH only just mentioned that as he left court yesterday, he was approached by someone (who looked more like a trainee solicitor than an estate agent) and asked "Are you Mr sara55? I am from xyz property services and we buy properties for cash........"

 

His only comfort, whoever she was, was that it was raining very heavily and she was absolutely drenched.

[Ell-enn]

Dear God, is there no depths to which these kind of people will stoop !

[maggie60]

How much is in the public domain regarding hearings? And if she was what she said how did she know to look out for a man when my non-attendance was last minute?

[Ell-enn]

there is usually a list in the court waiting room with the hearings for that day - she most probably read that

[AndyOrch]

They are referred to as ambulance chasers Sara...wouldn't worry about it:-)

[maggie60]

OK, just wondered.

 

Once I get the paperwork, I will start a new thread regarding their charges in the appropriate section.

[dx100uk]

dunno might help being in the same thread might inspire people...

[caro]

OH only just mentioned that as he left court yesterday, he was approached by someone (who looked more like a trainee solicitor than an estate agent) and asked "Are you Mr sara55? I am from xyz property services and we buy properties for cash........"

 

His only comfort, whoever she was, was that it was raining very heavily and she was absolutely drenched.

 

I wouldn't normally suggest violence but I could be tempted to make an exception for a slimeball like that!!!

[maggie60]

dunno might help being in the same thread might inspire people...

 

OK will do, so long as you don't say I have put it in the wrong section.

 

From what I can see from CAG and other websites, they charge interest on the charges, which is fair enough. If my bank made charges and these weren't repaid I would accept that interest was accruable on that.

 

However, if my bank made charges and did not advise me of these and made it virtually impossible to find them (as Blemain or whatever they are calling themselves this week do), I would be a very unhappy bunny.

[citizenB]

OK will do, so long as you don't say I have put it in the wrong section.

 

From what I can see from CAG and other websites, they charge interest on the charges, which is fair enough. If my bank made charges and these weren't repaid I would accept that interest was accruable on that.

 

However, if my bank made charges and did not advise me of these and made it virtually impossible to find them (as Blemain or whatever they are calling themselves this week do), I would be a very unhappy bunny.

 

No worries, Sara - we will keep a note that dx told you to post at the end of this thread

 

Sadly these sub prime mortgage lenders, tend to set people up to fail and will add charges / admin charges at the drop of a hat ! It is how they make their money

[maggie60]

their "hidden" fees cannot be challenged?

I get an annual statement and they are not shown is that acceptable

- has nobody ever successfully challenged a sub prime outfit like Blemain?

And is the change of name voluntarily or through necessity?

 

We believe the reason Blemain lose so many applications in court

(reading through various forums)

is because of the blatant lies they tell in court.

 

I was able to email a statement from Blemain received just before he went into the hearing, (not the full one we have requested, but enough to help).

 

The young, inexperienced (very cheap knowing them) clerk representing Blemain, lied saying the last three payments in seven months we made were for £600, £1800 and £120.

 

Mr sara55 was able to show that the £120 was for arrears and a payment for £1,080 to cover 2 monthly payments was received immediately AFTER it.

 

He says this is what made up the judges mind.

It was 50/50 prior to them tripping themselves up.

[maggie60]

Unfortunately, I never did get around to getting a statement from them and we are back to square one again three months behind with the court payments as business was quiet since November.

 

We have taken on a couple of new contracts in the last month and we have two large payments due in next month and July.

 

I have made an appointment to take the N244 form to the court early Monday. Should I offer to make three payments in April and two in July as well as the normal monthly payment for March, May and June.

 

This will mean that by July I would be up to date with all payment since the order on Dec 2015 plus reduced the arrears by over £1,500.

[dx100uk]

Get an sar running

[maggie60]

Get an sar running

 

How would this be better than requesting the full statement?

[dx100uk]

it will give you every single piece of paperwork they hold involving you + the complete picture.

not what they CHOOSE to send.

 

 

SAR is a LEGAL request

[maggie60]

As the eviction is Thursday morning, I am trying for a Tuesday or Wednesday hearing.

 

I need to start on the N244 shortly as I need to hand it in early tomorrow.

 

Will I confuse issues by offer the 3x monthly next month and 2x in July?

I know court prefer a steady monthly figure.

 

Grateful for any thoughts.

[maggie60]

Hi, I haven't been able to find a working link to the N244 forms I need for the application and I and E forms.

 

 

Even Ell-en's link doesn't work.

[Ell-enn]

Hi, affixed are the forms you need. Shout up if you need any help

n244_0400.pdf

Budget Sheet.xls

[dx100uk]

both are in the mortgage section of our library or the legal section

[maggie60]

Thank you both.

 

 

Ell-en, do you think it is better to increase the monthly payments or make extra payments in April and July, to get the arrangement up to date?

[maggie60]

My hearing is tomorrow, a day before the eviction.

 

 

I think Blemain have upped their game to go for the jugular. New solicitors and regular texts which I have not responded to.

[dx100uk]

usually means they are trying to frighten you

we typically find the more they shout

the less they think they have a strong case

[maggie60]

"the less they think they have a strong case"

 

 

I think in going three payments behind with the court order it may not be as weak as I would like. I checked and just over half way through the load I have paid them £53k.

 

I wonder if anyone can offer any advice on a couple of issues I want to clear at tomorrows hearing:

 

We have calculated that the original loan if repaid within the 15 year period we took it out for appears to be based on a much larger figure than we took out.

 

 

I am simply calculating the interest of 12.75% on the previous month's balance and deducting the monthly payment.

 

 

To get it down to £0 by month 180 the original loan is well over £4,000 more than the advance.

 

 

Now I am sure Blemain would have added admin charges etc. to the loan, and the broker added a charge, but they were nowhere near this figure.

 

Should I prepare a letter for the court (and copy for Blemain's rep) about this or would it be better to ask about this in court?

 

 

I know this would be made clear if I had requested a SAR as dx suggested, but I don't have the time.

 

For all I know, the judge may say "You've had enough chances Sara, you're out tomorrow!" but I am trying to remain positive.

 

 

If my application is successful, am I correct in thinking the loan will continue, even after end of the loan period, at the same monthly rate until repaid?

 

 

With the arrears and an interest rate of 12.75% pa the loan will take an extra three and a half years to repay, so I will have to keep paying a good bit on top even after the arrears are clear to reduce this.

[suffering]

I Hope this does not arrive too late

 

Contest the amount they say you owe. if you contest the amount and ask for an adjournment untill they prove the true amount outstanding.

 

Raise doubt in the judges mind that there may be money owing to you from unfair charges and unfair interest. If you are asked say you cant prove it because they have not provided a clear and understandable breakdown of fees charges and penalties and there may be unjust interest added to the added chargies.

 

Add the amount of over charge may be more than the amount you have outstanding.

Edited March 8, 2017 by honeybee13
Paras