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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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How to Amend?substitute a Witness Statement.Blemain Finance


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I strongly recommend that anyone who has any dealings with Blemain or Lancashire/Cheshire mortgages

 

 

ask them for a complete breakdown of all charges over £30 which have been applied to their account since inception

 

 

-I did and mysteriously found they had miscalculated and overcharged by £10,000??????

 

Parasites keep at them-don't give in.

 

I had a problem with this company last year

 

-they had a suspended reposession order which stays on file 6 years.

 

This is like having a gun to your head and gives them the right to add extrotionate fees and call you back to court if you do not keep up the agreement

 

-I challenged this and the judge agreed and cancelled the court order

-as you can imagine they were not pleased

 

-The judge also awarded all costs to be paid by them so it cost me nothing

 

-so persevere with these parasites.

 

What I cannot understand is why Lancashire Mortgage/Blemain have not been fined in addition to Cheshire-why is it taking so long?

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Could you expand upon this a little as I thought a suspended Order was quite a legitimate tool if the account had been in arrears....once the court order is obtained surely it can stay?

 

Many people have this and your experience is enlightening ....parasites indeed!

 

Thanks

 

A1

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Yes

-I fought it and the judge agreed it was only in place 5 months-they went ape .

I am now fighting them for unfair relationship-bring it on.

 

This year-I asked them for a breakdown of all charges over £30 and surprise surprise they found in excess of £10,000 yes ten thousand pounds worth of charges that had been incorrectly applied to my account-the reason for this 'Manual error!' so ask for a breakdown.

 

They have also been covertly spying on my business so they have had it now!-If you need help please private message me.

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What I cannot understand is why Lancashire Mortgag/Blemain have not been fined in addition to Cheshire-why is it taking so long?

 

the reason LMC and Blemain have not been fined is because they are registered via Cheshire mortgage Corp. and not registered as individual companies they use this loophole to lessern the powers of the fsa.

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The reasonCheshire Mortgage Company got fined by the FSA but blemain or LMC did not get fined is that the FSA didn’t have the power to fine LMC or blemain.

 

Let me explain

 

CMC= first charge loans (a normal first mortgage on a property)

 

LMC= commercial montages or loans (business loans)

 

Blemain =second charge loans (one you take out as well as your mortgage)

 

 

 

The FSA only regulated first charge loans and the only company in the blemain group that gave out first charge loans was CMC. So the FSA couldn’t do anything to any other company in the blemain group.

 

 

 

The OFT regulated second charge lenders (blemain)

 

Commercial loans were unregulated (LMC)

 

The government thought that the FSA and the OFT were not fit for purpose, and shut them down and created the new FCA which has the power to deal with blemain and LMC.

 

For all of you that can’t wait for blemain to get fined, then I will tell you that parliament,tthe BBC, and the new FCA all have taken an interest in what blemain have been doing.(So it’s coming).

 

 

 

Andrew1 if you look back through this thread you will find I had a suspended possession order, I got it removed and all the info is in this thread.

 

While we are on the point about suspended possession orders then I would like to tell anyone that as soon as they pay off any arrears they had. Make sure they apply to the court to remove the suspended possession order, because if you fall in to arrears again in the future blemain will use the old possession order to try and take your house.

 

wp3

Edited by welshperson3
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Very well done SLB! So good to hear you are fighting back this nasty industry. I am also on the same quest with another identical company. May this be the year for us all!!:amen:

 

Great CAG name BTW. Exactly, legal bullies. Hope the FCA moving in on changing this.

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URGENT ADVICE NEEDED

 

Today is Sunday 5th January 2014-Copy Court Papers have just been delivered to me at my home in Spain via a company called London House-which is an 'investigation company.

 

This is complicated but here goes-Firstly, we live in Spain. My husband & I have an unregulated commercial mortgage with Lancashire Mortgage for a property in the UK. We do not believe that we should have been sold this mortgage and want to fight them for unfair relationship & irresponsible lending.

 

The mortgage is currently in arrears and a reposession hearing has been issued for Feb 2014. I have not yet received any official court papers-and will be defending this for the reasons above. Now it seems to me that LMC are already worried-I have requested a SAR and an unredacted copy of the underwriting sheet-and they seem to me to be doing every thing they can to gret me to agree to an arrangement and basically agree to a 'Suspended order' this I am not prepapred to do.

 

As I said this server-who lied through his teeth telling me he worked for the court bla bla-and asking me why we had not responded etc-and what did we plan to do about it etc etc-

 

Now I have already got back almost 10k in 'incorrectly applied' fees from them which I had to ask for and they tell me was down to human error-personally I think they were applied from Monarch Recoveries.

 

Now why go to the expense of sending copy papers (persoanally ) to my home in Spain-this 'server' also took photographs of my house which is nothing to do with the claim-WHY?

 

Is this Legal? on a Sunday-I find it all very intimidating and a very nasty tactic.

 

They have something to hide I am sure of it and are trying any nasty little trick in the book to stop proceedings-I urgently need any advice-this is a fully commercial unregulated loan.

 

I have not yet received any official court papers but I have contacted the court for clarification.-But will be issuing a Defense/Counterclaim.

 

Thank you.

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Have you offered anything towards the arrears?

 

I'm not an expert on repossessions ... but if you are in arrears and do not live in the property its difficult to see how you could resist a claim for repossession. Especially as you say this is a commercial mortgage.

 

You need to be clear about what you want to achieve here. What exactly are you asking the court to do? The court is not just going to give you a free house by writing off the debt. If you took a mortgage for a commercial property that was your investment decision.

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Thank you yes I am aware of that-the arrears are in hand -it is the lenders conduct that is questionable and their initial contract-which is being addressed and is covered under UK Law -whether regulated or not.

Edited by Sick Of Legal Bullies
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OK, I think you need to be clear about what your objectives are. Even if the court does rule that the mortgage company has done something wrong, what do you think the outcome will be?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thank you-over the years there has been a lot of bullying tactits with this company-I want to stick up for other in the same position as i believe companies like this have ruined many a British business and caused a lot of suffering for many people.-Time for it to stop- I for one will make a stand.

Edited by Sick Of Legal Bullies
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Hi SOL Bullies

 

i think people are trying to help you on here,

but they need information to do so.

 

As i have found out its alright getting the courts sympathy,

but the judge needs a law or act to help you,

 

Lanc Mortgage are very good at sailing close to the wind bending rules and laws to rip people off hoping no one will notice.

 

People have won against this corrupt firm but many are gagged by out of court settlements.

 

make sure you point out to the court that you have a right to use the consumer credit act 1974 unfair relationship 140 as it is written into your agreement.

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