hi i need some urgent help and advice pls due to be evicted

[PriorityOne]

Re: hi i need some urgent help and advice pls

Jimmyq.... please try and get some sleep. We're on to it now..... but it's going to take time to find the best way forward for you.

Paul/Niddy (Never-in-Doubt) are the legal brains here, which is why the rest of us are standing back for the time being. If they can find holes in the actual contract, then the other arguments raised so far may not be necessary.

[PlanB]

Re: hi i need some urgent help and advice pls

^ ^ ^ ^ You read my mind

It looks as though this loan was set up by Harpmanor who are mortgage intermediaries so you probably didn't deal with them direct. I expect you went through a broker and both of these outfits will have got commission and/or an Introducer's fee, and so had a duty to act responsibly towards you.

Were you fully employed at the time you took out the loan and could you honestly afford to pay it back in 12 months? This bit matters in case you were missold the product. So put on your thinking cap and search for any papers you can find to have in front of you when Paul comes back here tomorrow.

Is it ok to ask what the money was borrowed for, or didn't the lender ask you for a reason for the loan?

We're getting there slowly so please don't worry and get a good night's sleep

[Never-In-Doubt]

Re: hi i need some urgent help and advice pls

Could go for the broker and find out what their commission etc was.... mis-sale maybe

However wait for Paul, I would as he's the best at finding fault in terms.

[jimmyq]

Re: hi i need some urgent help and advice pls

part E Is something about the broker? sorry to sound thick but im not too clever with all this stuff therefore still in this mess thinking it will go away itself but obviousily not

[jimmyq]

Re: hi i need some urgent help and advice pls

hi ive never taken any legal action or help. i recieve a letter from the magistrates saying i have to leave the property on so and so and date(notice of eviction)

to be honest so far i cant remember ever being called to court as such or ever had the chance too tell them my side all i get is an eviction letter from the courts everytime im behind in payments (3 months).

I even asked blemain why ive never been called to court they said they have some sort of posession order i cant remember ever being called to court (to be honest i fell ill and depressed and hardly opened my letters so maybe as they have a possession order so they say
but as for me i did'nt file anything

the eviction notices are real as i phoned the courts up last time to make sure the evictions cancelled

basically everytime i get an eviction notice i arrange/borrow money to clear the arrears and get the eviction cancelled.

the loan was arranged by crystal mortgages who i paid a fee too i think its added to the loan (will have to check) they must have something to do with it as i still get calls off them too saying they will help me (get another loan or mortgage) and know when i have a eviction etc and how much is owed

loan is in joint names and so is the house there is about 100k equity in the house

thanks!

[PlanB]

Re: hi i need some urgent help and advice pls

Thanks guys im feeling a bit better talking to you and releasing some burden . ive just managed to get another eviction cancelled this week by borrowing off friends and family again just to keep the house but i wont be able to carry on like this for much longer

Welcome to AAD

I assume this bridging loan was a secured loan from the outset. You say you've managed to get another eviction stopped this week so it would be helpful to know exactly what stage you've reached in any legal proceedings so far.

Have there been any formal court possession proceedings and an order for possession granted? If so, did you file a Defence at the time? Is there now a Warrant for Eviction outstanding and you're managing to get it put on hold each time the court write you a letter with the eviction date. Or is this a threat of eviction from the lender without any court action so far?

You've quite rightly blanked out some details on the loan agreement. May I ask whether the loan was sold to you by a broker (and a fee paid upfront or added to the loan?), and did you purchase the PPI option?

One final issue, was the bridging loan in joint names and is the house in joint names and is there any equity in the house?

Sorry to ask so many questions but the more we know the more able we are to help

[Paul.]

Re: hi i need some urgent help and advice pls

Thanks for clearing that up. I wanted to be sure that this wasnt something that had happened long ago and the info was like 2 years out of date etc.

Its quite late now, try not to fret, get some sleep and ill see if i can pop in tomorrow and ask some questions which will make it easier to work out the best way forward.

[jimmyq]

Re: hi i need some urgent help and advice pls

hi the creditor on the agreement is "harpmanor limited" and yes that is my thread i have a more upto date settlement figure which is not with me at the moment but ill upload it tommorow but the figure they are wanting now is 100k ill post a breakdown tommorow

as you can see from that thread this has been going on for too long

i was told to come here and meet the real team for some help and advice on ending this and so far im amazed with the response

[Paul.]

Re: hi i need some urgent help and advice pls

In need of some serious help! Blemain finance again!!!!

Is this your thread? how up to date is the info you are putting up here as the thread is dated 2010

[Paul.]

Re: hi i need some urgent help and advice pls

please can you tell me who is the "Creditor" on the agreement?

The credit agreement must state the name and address of the creditor


please let me know who that is and ill carry out a check before i crash out tonight to see if they have a licence to trade

[Pixie]

Re: hi i need some urgent help and advice pls

Leave it with Niddy and Paul. If anyone can sort it out, they can.

I can certainly understand why you're on anti-depressants but you've come to the right place for help and support.

[jimmyq]

Re: hi i need some urgent help and advice pls

to be honest i dont know what to complain about anymore i dont know where i stand here and if i can actually do anything?

Ive paid them £140k back and i dont want to pay another £100k according to their last statement and i really dont want to lose my house! i hope you can now understand why me and my wife are on depression medication

i want to end this nightmare and try not paying £100k as i cant afford it

I believe the add renewal charges are that i exceeded the agreed term and they charge me every year or something like that

[transformer999]

Re: hi i need some urgent help and advice pls

I think Blemain have a lot to answer for....the way they word their agreements....and how they treat people the moment they get in to financial difficulties. I am not sure what evidence you had to supply to obtain your loan jimmyq....whether employed or self-employed....and did Blemain do everything according to the books i.e their own guidelines...policies etc etc....lending criteria....so many questions must be staisfied before they can take the roof over your head.

Bloody scum balls.....I am in the middle of getting a deal done at the moment....if I am not happy with it....then I have a high court hearing on the 5 & 6 November 2012 where everything will come out.....and if it won't look good for me then I can promise you that it will not look good for them either...especially with all the crap I have been through because of them plus marrying a son of a bitch on top really was a recipe for a nuclear bomb

[PriorityOne]

Re: hi i need some urgent help and advice pls

i have phoned the fos who told me they could not find a company called harpmanor limited on their system??

Anyhow they told me to complain to the company after this if i was unsattisfied they will look into it for me so i phoned blemain and told them i was unhappy with all the charges and the terms and i have paid back more than what i borrowed etc to which they told me they will look into and get back to me within 8 weeks. They wrote me a letter too to confirm this

No more phone calls please... They will simply add to your stress and without a paper trail, it won't get sorted anyway.

We will find a way forward with this.... please keep the faith....

[transformer999]

Re: hi i need some urgent help and advice pls

From my own personal experience the FOS were and are a complete load of dog shit....in fact I think I would have got more help if I had sent my complaint to my niece's nursery....and had a 5 year old handle my complaint. That is just my view....I have a letter which I post up and I am not 100% sure if the FOS will deal with Blemain as that is what I was told....it was over £25k and in 2007....unregulated