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    • Hi BankFodder   Many thanks for your assistance in this matter.   I have decided to commence County Court action against DPD/Parcel2go regarding the lost parcel.   I would just like you to clarify whether which company you recommend me to commence legal proceedings against:   Parcel2go. My contract was made via this company.   Or DPD - This company undertook the contract and are the ones who lost the parcel.   I look forward to hearing from you soon.   Kind Regards Humza
    • I lost my job this jan because work decided not to extend my probabation, so i've been out of work since then. During this time I have made 3 payments of £270 from my own savings and now I am really struggling.   I rang motonova last month before COVID19 started and explained I lost my job and wanted a reduction in the payment but they asked me what my out goings were and told me 'it looks you can make this months payment so we can't do anything etc'   Since COVID19 has started motonova now have this form available to ask for reduction of payments - see https://customer.motonovofinance.com/file/cms/raw/888dda418afb548c00a1afc1cde50704.pdf   Given my weak financial situation can anyone help me with what I put down for these sections of the form so my request to lower or freeze payments stands a good chance of being accepted   1. Is your situation realated to the Coronavirus outbreak? Yes   2. Do you consider yourself to be in a high risk group, if so why?Do you explicitly consent to us recording this information in your account notes? I am no longer employed and have no income coming in. Work have made cuts due to Corona and no longer employed by them I am sorry I wont be able to make payments of £270   3. How much can you pay? I can pay £25 a month   4. What are you proposing, and what help would you like from us? I've lost my job and have no income. I've had to self isolate under the goverment guidelines with my family because my daughter had a cough at school. I've been applying for numerous jobs and have no luck and the COVID19 situation in the country has made the whole situation even worse for me. I request given the financial difficulty I am in that  you please accept my offer   What do you think of my reasons and how can you add or improve them? I really stressed out because my next payment is coming up in 3 weeks and I'm down to my last £400 of my savings and I've no idea how long it will take me to find a job  
    • Hi All   As im new to this site and here for as much advise as possible to help me and a few fellow work colleges regarding a situation with our employer given the current circumstances with the COVID-19 (coronavirus).   Basically since i started working for said company i have never been given my contract or employer handbook to view as when i need to, its always stored inside our boss's office and past staff have been refused to view it when they have wanted to, what i want to know is, is it a legal requirement for a employer to give there employees a copy of there contract/ handbook or is there a clause that can allow him not to?   Also i have currently been in self isolation due to cornavirus and have spoken to our company via email with no reply from them but have heard from colleagues that the work has slowed down, and in the recent email i have sent i spoke about potentially being put on 'furlough pay' if work stops completely. Can he refuse to put certain staff on it and still keep the business open even though there is no work? As well as not providing sufficient hygiene sources given the current climate, would that put him in breach of contract (if could view mine to start off with) ?   At the minute we are stuck in limbo given we are still off in self isolation for another week and he doesn't really care about his staff, what would be the best course to take regarding the matters above??   HELP!    
    • I have been trying to get onto the MCOL site for several days now, it keeps saying that the password is wrong and i haven't been able to get to talk to someone on the phone, i have prepared a defense and its ready to email, just realised today is day 33.   Here it is for your considderation, thank you.   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1.Paragraph 1 is noted; I have in the past had financial dealings with MBNA. I am unaware of the alleged agreement the Claimant refers to having failed to adequately particularise its claim and have therefore sought clarity from the Claimant by way of a Section 78 request and a CPR 31.14 request.   2. Paragraph 2 is denied. I am unaware of any service of a Default Notice (s) pursuant to section 87 of the Consumer Credit Act 1974 by the original creditor MBNA. I have sought verification from the claimant regarding this matter and they have been unable to comply.   3. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and (c) show how the Claimant has the legal right, either under statute or equity to issue a claim;   4. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request, copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and my section 78 request and remain in default with regards to this request.   5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   6. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. I confirm that the above facts and statements are true to the best of my knowledge and recollection.
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Maychick

Blemain Secured loan

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Hi all

I am hoping you can help with my situation .

 

My relationship with Blemain Finance started in 2007 with an introduction by a broker where illegal secret commissions were paid and added to my debt where I have paid interest on them ever since.

 

I was the perfect customer for the ruthless machine that is/was Blemain Finance.

I had a poor credit rating but I owned 3 properties outright and my own home had reasonable equity.

 

A few years later I had no property left after becoming bankrupt and getting divorced.

I very fortunately clung on to the family home by the skin of my teeth despite several court appearances where Blemain insisted they should be allowed to take it.


My current situation with Blemain finance is this:
I currently have a Direct Debit in place for £350.64 which is taken from my account on the 11th of each month and has been for the last 11 years.

This amount was the result of a court order obtained by Blemain when I was defending my house.

 

My wife had gone to live in Jamaica with a new man who she met on holiday and I was left looking after 3 children and trying desperately to rebuild my business.

I’m sure that it was only the presence of my children that saved our home.

 

My desperation to borrow money led me to a broker who led me to Blemain finance.

I wanted to borrow 30k.

 

To get this I had sign an agreement for 34k to pay ‘administration charges’ so I signed.

 

Since then I have paid over £50,000 to Blemain finance without reducing what I owe.

In fact, I owe an awful lot more.

 

If I want to pay off this loan to remove this charge from my property I currently have to pay £55,000 and this rises by a thousand pounds every year on my annual statement. 


I am a prisoner in this house.

If I sell they will take whatever they like from the sale.

 

I know this because I had more than one loan from Blemain and they took an outrageous amount from my house sale in London.

I had borrowed 50k and paid over £500 a month for 3 years before having to sell the house.

 

Blemain added £17,000 in administration charges when the house was sold and took over £69,000 from the sale.

This loan had been arranged by the same dodgy broker and had been subjected to the same dubious admin charges which were added to my loan and then I was made to pay interest on the charges.

 

Their particular favourite was to add my property to their insurance policy at a cost of £700+ which was reported to me in writing every year.

 

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moved to the blemain forum.

sadly you'll read 100's of like stories here.

 

now time to SAR them

get everything they hold

and match that with you have 

and see what you can reclaim.

 

the ONLY thing that needed to be 'in place' is buildings insurance

and you cant have that twice...so if theirs was added whilst yours was current..you can reclaim that as you would PPI now.

 

as for any admin charges like

letter

phone

arrears

debt visits

it raining today

 

fixed fee penalty charges

those can also be reclaimed

and again at their int rate compounded.

 

now if you'll get anywhere..thats another story that will unfold.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hello DX100uk

 

Thanks for your quick response, I will look into everything you have advised me. Have a great weekend.

Maychick

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On ‎31‎/‎05‎/‎2019 at 14:04, Maychick said:

Hi all

I am hoping you can help with my situation .

 

My relationship with Blemain Finance started in 2007 with an introduction by a broker where illegal secret commissions were paid and added to my debt where I have paid interest on them ever since.

 

I was the perfect customer for the ruthless machine that is/was Blemain Finance.

I had a poor credit rating but I owned 3 properties outright and my own home had reasonable equity.

 

A few years later I had no property left after becoming bankrupt and getting divorced.

I very fortunately clung on to the family home by the skin of my teeth despite several court appearances where Blemain insisted they should be allowed to take it.


My current situation with Blemain finance is this:
I currently have a Direct Debit in place for £350.64 which is taken from my account on the 11th of each month and has been for the last 11 years.

This amount was the result of a court order obtained by Blemain when I was defending my house.

 

My wife had gone to live in Jamaica with a new man who she met on holiday and I was left looking after 3 children and trying desperately to rebuild my business.

I’m sure that it was only the presence of my children that saved our home.

 

My desperation to borrow money led me to a broker who led me to Blemain finance.

I wanted to borrow 30k.

 

To get this I had sign an agreement for 34k to pay ‘administration charges’ so I signed.

 

Since then I have paid over £50,000 to Blemain finance without reducing what I owe.

In fact, I owe an awful lot more.

 

If I want to pay off this loan to remove this charge from my property I currently have to pay £55,000 and this rises by a thousand pounds every year on my annual statement. 


I am a prisoner in this house.

If I sell they will take whatever they like from the sale.

 

I know this because I had more than one loan from Blemain and they took an outrageous amount from my house sale in London.

I had borrowed 50k and paid over £500 a month for 3 years before having to sell the house.

 

Blemain added £17,000 in administration charges when the house was sold and took over £69,000 from the sale.

This loan had been arranged by the same dodgy broker and had been subjected to the same dubious admin charges which were added to my loan and then I was made to pay interest on the charges.

 

Their particular favourite was to add my property to their insurance policy at a cost of £700+ which was reported to me in writing every year.

 

 

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Hi All,

 

Some people on this site have spoken highly about solicitors they have use. Is there a way we can contact them privately to get the details of their solicitors?

 

Thanks 

 

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We don't recommend solicitors I'm afraid, site rules don't allow it.

 

HB


Illegitimi non carborundum

 

 

 

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Ok , thanks for letting me know.

Maychick

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there is no evidence of any successful sols here anyway

most of the posts referring to them appear to be patsy threads/posts.

 

as for the 'class action' stuff flying around.

individual claims are far more effective this is not the usa.

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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