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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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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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Blemain - lies and harassment


Challenging
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I called Blemain yesterday regarding their failure to provide a breakdown of charges and supply me with their complaints procedure. I spoke to their aggressive and appalling Collections Manager who told my husband that they were going to throw us out of our house next week. We told him that they had to follow the correct legal procedure and that they hadn’t notified us. He told us that they could do what they liked and that he didn’t have to write to us. He told us that they could just turn up and didn’t have to give notice. We told him that the eviction date related tour 1st Mortgage, not them and that this was being deferred and sorted. He told us that we were talking rubbish.

We today visited the bailiff who told us that they didn’t have an eviction date and that it did indeed relate to the first mortgage. He told us that Blemain had called him and asked for us to be evicted next week. He told them that they had to apply for a warrant and wait approximately 4 weeks (they applied to the wrong court). They weren’t happy with this and asked for it to be executed at the same time as the first lender – even he was appalled. He told them not to bother to turn up as they had no jurisdiction. I am so angry at their tactics and will make it my mission to make them pay. The FSA have lodged a complaint about their conduct and unlawful tactics, Trading Standards told me to call the police and the FSA also told me to call the Ombudsman about their behaviour, which I will do tomorrow. I am also going to meet my MP about these bullies and have lodged a complaint with Cheshire Mortgage Corporation

Any advice on their tactics?

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I know when timing becomes critical that there is a temptation to use the phone. Try to avoid it as anything can be said over the phone that would not

be put in writing. But once you have it on paper, your case becomes stronger.

So only ever write to these people.

In order to establish what was said on the phone yesterday, you could try writing to them restating what the Collections manager said and pointing out

that you maintain that legally they have to observe the proper procedures.

And ask for their comments. Do not mention your conversation with the bailiff

company to them, nor that you are involving the FSA TS etc etc.

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Where a phone conversation has taken place, it is often helpful to follow up with a letter along the lines of:

 

I refer to my telephone conversation with XXX of (date). My understanding of the conversation is that XXX stated that Blemain are not obliged to comply with the law and intend to 'have us thrown out' of our house next week. I would be grateful if you could clarify your position in writing in case I have misunderstood.
List all the points they made, and standby for the backpedalling answer.
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Hi Sequenci

It relates to a secured loan. My husband got into arrears, didn’t tell me and apparently they went to court and got a CCJ. We were recently remortgaging but the new mortgage didn’t completely cover the 1st mortgage and secured loan because of the ERC and collection costs. Blemain refused the deed of postponement even though most of then loan remaining with them would be charges. Their reason given was account conduct and this is stopping us from progressing. Basically Blemain have threatened us with eviction when they had not followed a process. We have asked for a transcript of the call.

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Are you sure it is a CCJ for a secured loan? it should be a suspended possession order. Please find out ASAP and get back to me. Also, have you sent them a SAR?

 

Apologies about my posts earlier, my pc was playing up.

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I haven't sent a SAR yet but will do today as I am making an official request for all data protection stuff, record of call and justification of collection costs via Cheshire mortgage Corporation and will ask for their written opinion on what I was told by the Collections Manager.

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They have definately told me on more than one occasion since I have become involved that it is a CCJ

 

well it is a county court process, the same as obtaining a money judgment. it's just that the process for repossession for secured lending is very different from enforcing an unsecured money judgment. if it IS a secured loan then previously i would imagine the court has agreed to a suspended possession order on terms that you meet the contractual payment of the loan agreement plus something towards the arrears.

 

if this agreement has been breached then you will need to apply to the court for another suspended possession order on the n244 form.

 

you did mention that the wrong court was used to perhaps the mortgage lender has used an incorrect court process. it could be worth calling the court and finding out what the score is.

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Following our conversation Monday, it appears that he checked his facts and found that we were right. They had applied for a warrant (in the last week) as we checked with the courts, but had applied to Liverpool. The application has therefore got to be transferred and they have to wait 4 weeks, so he stamped his feet and said that he wanted us out. I will pay the arrears to stop this but I am confused as they never mentioned a suspended possession order, just a CCJ. It is vital that I get all documents asap and challenge them. I just can’t believe their vindictiveness.

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knowing blenheim they are a shower ob (edit my own language)but they will try every dirty trick in the book ,you must get some recording eqipment and record all conversations with these ****,when eventually i have my operations i intend bringing a serious claim against them ...so hang in their google blenheim and keep a full detailed record of everything said ,its a shame your hubby did not take them seriously had he been on here a month or so before he would now be in a position to do something and releive some of the stress on you,but dont worry on here you will get the best advice in this forum but you must act quickly good luck

patrickq1

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Thanks to everyone for your help. I am pretty depressed at the moment. My husband is the type to bury his head in the sand and there has been no need to cause this. I am on annual leave and it's unbearable.

 

The original loan was 34 (they want 43) and another loan was taken out for 5 (they want 8) These were taken out in response to another mess he had got us into. He admits that he can't handle any financial responsibility and I will have to make sure that he is not even trusted to pay the milkman in future and gets help but this mess is not fair on me and the children.

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The original loan was 34 (they want 43) and another loan was taken out for 5 (they want 8) These were taken out in response to another mess he had got us into. He admits that he can't handle any financial responsibility and I will have to make sure that he is not even trusted to pay the milkman in future and gets help but this mess is not fair on me and the children.

 

If he took out those loans to pay off unsecured debts you should CCA / SAR those creditors - there are bound to be bucketloads of charges to recover.

"Why CCJ when you can CCA!"

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  • 4 weeks later...

Challenging; i do feel for you. Blemain are an outfit that should not (if it were up to me) be allowed to trade.

 

They've enabled you to be in this awful position just to make a profit.

 

Shylock from The Merchant of Venice comes to mind.

 

I once worked there and regret it wholeheartedly.

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does this blemain company have a really bad reputation? as my mum is in the middle of getting a laon through access and apparently blemain has something to do with it after reading these posts im now slightly worried about them!!

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Blemain are sub prime lenders, they usually lend to people with adverse credit or who have problems obtaining credit elsewhere, you would normally pay a broker who will arrange finance with sub prime lenders such as blemain, they usually secure loans on your property and if you maintain your payments on time then every thing should be ok, but if you fall into arrears then your in trouble, 3 months arrears and they will go for full reposession of your home, also if you want to redeem your loan early the redemption figures are very high, tread very carefully with this company..Gc

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Hi

 

I have sent a SAR to Bf back in June which they have replied to by sending a copy of my agreement ,T&C's a statement of account (not showing any charges) and a copy of their complaints procedure.

 

I have lodged a complaint with ICO but no reply as of yet. I have written to FISA several times they have tried to help but say they do not regulate their members.

 

I have also contacted the OFT and am awaiting a reply. Trading Standards and FOS both say it is not in their remit.

 

Blemain are a law unto themselves and it does seem that no regulatory bodies are prepared to intervene leaving us all at their mercy.

 

I really feel for you they are complete barstewards and have no respect for the law at all.

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