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    • Hi LFI, With regard to the ANPR cameras in your post #65, while I was on the phone to the Planning Department, they did take a look at Google Streetview and went back to 2012 where they could see the ANPR cameras in place so therefore they would have deemed consent. I had previously read the T&C Planning Regulations and had read the section on deemed consent so I understood the point they made on the phone. It doesn't matter though, that doesn't harm my case any, and I shouldn't really mention this now, (this is what you reminded me of on another thread) but in the past I was a member of a scheme that gave me access to legal advice, I have spoken to a barrister previously through this scheme on another matter and I think I am still a member. I am going to check if I am still a member of the scheme, and if I am I will discuss my case with a barrister or solicitor, whichever the scheme deems appropriate. I will let you know the outcome. I am also going to take Bankfodders advice in the sticky and go to the local court and ask if I can sit in on a case in the Judges office.
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx Yes sorry. they called it a deed at first in court.  Then Judge said she was happy to have it sealed as something else  exact names of orders in message above.     The disease was tested for when his cardiac testing was done immediately after purchase and part of the now sealed case.   However, results were disclosed incorrectly and I only found out  two days ago.   This disease did not form part of my knowledge during the case as I had been informed of a normal result that was not the case.   it is perfect clarity of a genetic disease where as the previous cardiac issue could be congenital until the pup is genetically tested. 
    • Hi, Halifax recently sold a credit card account of mine to Cabot. I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future. However, I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say “I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”. If I made £1 payments to Cabot, would it prevent me from using such a defence in future? OC: Halifax DC: Cabot/Wescot Card account opened: 2016 Defaulted: 2023
    • Paperwork says sealed consent order and composite settlement agreement      YES  ADDISONS DISEASE 
    • Hi, This may be the wrong place for a thread BUT If you receive a defence, can you send a CPR 31.14 request for document mentioned in the defence, and then apply to proceed with the case only after (14) days passed or they respond OR is it only if you receive a claim I see @dx100uk thread is for when you receive a claim, but can you also do the same when you receive a defence?
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Blemain - lies and harassment


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  • 2 months later...

just got off the phone to blemein /monarch paid £250 the woman said to me you will keep getting letters and phone calls till the £460 arrears are paid.i told her not to phone me and make a note that i no longer own a phone she told me they will only get in touch with me using letters and they will be sending one a week!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! at £35 a time thats £140 a month plus interest how can they keep getting away with this? how can it be legal????? i dont see any way to get out of these scumbags clutches.......feel like giving up and saying take the house whats the point in having a home when all you do is sit in skint miserable and depressed and to think all this worry and stress for 4 years over a £4,500 loan how could i have been so stupid?

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You are certainly not stupid; noone knew what they were getting themselves into with Blemain particularly not if sold by a broker. You need good advice about these extortionate charges so I would go to your CAB as soon as you can. They will know the law on charges. Also, are you paying PPI on your Blemain loan, can you claim it back? Lots of help here on that. Someone more qualified will hopefully be along to give you help; but I do suggest you start your own thread on this. Kind regards, keep strong, MG

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Hi

 

Very interesting thread, we too are in the clutches of Blemain but for much, much larger amounts!

 

I was just wondering if the case mentioned by Groovycaz in post 76 was won?

 

It is so good to hear of people trying to fight these crooks!

 

Most people just seem to think they cannot be beaten and that just seems so wrong.

 

Good luck everyone!

 

Ps will be watching this thread with great interest!

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  • 1 year later...

Avoid this company at all costs. They will try to charge you every way shape or form. Their costs are absolutley ridiculous, extortionate and unsubstantiated (albeit the missing small print). Their customer service is amateur and truly woeful; and I haven't even mentioned their interest rates.

You would be a fool to consider anything other than giving this company the widest berth imaginable.

You have been warned!

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a friend of mine has been quoted an administrative fee of £200 for a signature on a deed of postponement! They say they review their costs regularly to ensure they're in line with the market costs. "Our charges are fair, and reflect.......!"

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Indeed - They have just done a 'review' of my parents accounts, havind lost nearly 3000 in the past 3 months from payments made by them.

 

Im just chasing up the details, theyve had the nerve already to say a payment from a bank account isnt proof enough that my family have paid them. Oddly enough after telling them that we have been paying them from there own Blemain Group websites 3 months ago and can trace each payment, they stopped returning confirmation emails ... now there is one im sure the data protection lot will be intertested in.

 

I sorted them 3 years ago and ill do it again now, this lot are a proverbial pain in the butt.

 

By the way peaople - as of when my parents changed from 'Blemain' to 'Cheshire' Mortgages, they charged my parents 4000 for it (namely moving from one desk to another on floor6 or whatever of Bracken House), so can anyone give me pointers on how to initiate excessive charges claims? ;)

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  • 1 year later...

Blemain Lies and harassment still going on because its all thiis company know some interesting reading here seems like years of misery and financial rape still going on! i really just thought i would add life back to this thread whilst i am doing my homework into these crooks

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Blemain / Lancashire mortgage corporation lie & harasment; At this stage i notice over 16,000 views to this subject it will only take one good case against them for unfair relationship 140 lead by a quality Barrister & strong solicitor and the avalanche that follows will be deafening, i am not talking about ppi or excessive charges, i strongly believe i have the amunition to do it.

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The Financial Services Authority (FSA) has fined Cheadle-based mortgage lender, Cheshire Mortgage Corporation Limited (CMCL), £1.225 million for failing to treat customers fairly in the sale of mortgages and arrears handling from October 2004 to the end of 2009.

 

The CEO of CMCL, Henry Moser, has been fined £70,000 and agreed to step down from his role within three to six months. Andrew Lawton, the firm’s compliance director, has been fined £13,500 and banned from holding a significant influence function.

 

The FSA has also required CMCL to carry out a redress exercise that could see approximately £2 million paid to around 2,000 affected customers.

 

CMCL operated in niche markets, including lending to customers with poor credit histories. The FSA found that CMCL failed to treat some of its customers fairly when they fell into arrears, was unable to always demonstrate that mortgages it sold were affordable, and did not always communicate regularly or fully with its customers. Moser has been disciplined for failing to spot these problems and put them right.

 

CMCL overcharged some customers in arrears and applied arrears charges inconsistently and unfairly. Customers were also sometimes notified of charges after they had been incurred.

 

The FSA also found that:

 

when CMCL transferred customers in arrears to Monarch Recoveries for debt recovery, they were charged £150 despite it being an in-house company;

CMCL did not always make a reasonable effort to reach an agreement with customers in arrears over method of payment; and

CMCL did not always properly assess the affordability of mortgages by, for example, challenging a customer’s declared income.

Moser, as CEO, was ultimately responsible for the actions and compliance of the firm, however he failed to ensure the firm was being properly managed so that problems would be identified and remedied. Lawton was aware of certain poor practices taking place at the firm but failed to put them right and demonstrated a lack of competence and capability in his role as a compliance director.

 

Tracey McDermott, director of enforcement and financial crime, said:

 

“CMCL’s lacklustre approach to regulation, combined with very poor practices in collecting arrears, meant that some customers already worried about being able to pay back their mortgages were put under undue pressure and sometimes ended up paying more than they should.

 

“The failings of Moser, Lawton and CMCL were serious and let down a vulnerable group of consumers. Where firms and individuals fail to comply with our rules and treat customers fairly they should expect to be held to account.”

 

CMCL and Moser both settled at an early stage of the investigation so qualified for a 30% discount, without which the fines would have been £1.75 million and £100,000 respectively. Lawton settled at a later stage of the investigation and qualified for a 10% discount, without which he would have been fined £15,000.

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  • 3 weeks later...
  • 11 months later...

Ha Ha Ha-Lets just hope and pray that in 2014-Lancashire Mortgage Corporation & Blemain get the same treatment-I think they will.

 

The FSA has fined mortgage lender Cheshire Mortgage Corporation Limited £1.2m for failing to treat customers fairly and fined its chief executive and compliance director.

 

The regulator says Cheshire failed to treat its customers fairly in the sale of mortgages and in arrears handling from October 2004 to the end of 2009.

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  • 2 years later...
Blemain / Lancashire mortgage corporation lie & harasment; At this stage i notice over 16,000 views to this subject it will only take one good case against them for unfair relationship 140 lead by a quality Barrister & strong solicitor and the avalanche that follows will be deafening, i am not talking about ppi or excessive charges, i strongly believe i have the amunition to do it.

 

Hopefully that day will be the 6th December 2016. In court against Lancashire mortgage for a loan dating back to 2007 for 30k fixed term for 5 years total anticipated payment just under 38k already paid them 48k and they say 60k outstanding. Total fraudsters should be in jail and the keys thrown away.

Would appreciate other opinions on the case but being close to trial do not really want to disclose on a open forum as it may help there case.

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thread is from 2012

 

 

you cant PM newbies

 

 

better to start a new thread john

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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