harpmanor limited/blemain finance

[jimmyq]

hi guys im new here and in need of some help and advise

in 2007 i sadly took out a secured bridging loan for the sum of £105,000 with harp manor/blemain finance/lancashire mortgages and god knows what other names they run under.

anyhow the loan term was for 12 months originally but due to change of circmstances and my mother passing away etc i fell behind with the payments and could not pay the loan back on time

one thing led to the other and my finances were all over i fell ill with severe depression and anxiety

anyhow upto date i have paid harpmanor limited a total of £136,848 from which i only borrowed £105,000

but they still want £80,481 to settle

a break down

Balance outstanding under agreement is £49,992

ADD REDEMPTION ADMIN FEE £295.00
ADD EXIT FEE £2047
ADD ADMINISTRIVE COSTS £5231
ADD RENEWAL FEE £21000
ADD LITIGATION COSTS £1410
ADD VAT £282
ADD BANK BACS FEE £12.00
ADD COURT FEE £205.00
ADD LAND REGISTRY £6.00

they have had a few eviction orders on me when i fell behind with some installments but i manged to clear the arrears and keep my house

but i cant carry on like this i need some help please or someone to point me in the right direction or solicitors who can challenge them???

i asked for a breakdown of these charges etc

the renewal fee: in line with your agreement a renewal fee of 5% of the initial fee loan amount is to be chargeable every 12 months past the initial term of the loan. the loan is currently in its 4th year and therefore incurring 4 renewal fees totalling £21000

costs
costs of £5231 have occured over the course of the loan to date as a result of administrive costs applied to the account,examples of which may include collection costs incurred due to late or missed payments and building insurance charges for the provision of the block policy.


my current interest rate is 23.4%

ive tried a few companies to try and challenge these charges for me but so far just took my money and no joy!

i decided to phone FOS up to ask them if anything can be done regarding these charges and interest rates. The chap on the phone told me they cannot find a lending company called harpmanor limited ?? my agreement says harpmanor llimited

who i know is part of these

JERROLD mortgage CORPORATION LIMITED
BLEMAIN FINANCE LIMITED
FACTFOCUS LIMITED
PHONE-A-LOAN LIMITED
HARPMANOR LIMITED
MONARCH RECOVERIES LIMITED
SPOT FINANCE LIMITED
LANCASHIRE mortgage CORPORATION LIMITED
SUPASHOW LIMITED
CHESHIRE MORTGAGE CORPORATION LIMITED
BRIAR HILL COURT LIMITED
GENERAL ALLIED PROPERTIES LIMITED
PROVINCIAL & NORTHERN PROPERTIES LIMITED
PRIVILEGED ESTATES LIMITED
PRIVILEGED PROPERTIES (NORTHERN) LIMITED
HEYWOOD FINANCE LIMITED
NORTH WESTERN PROPERTIES & DEVELOPMENTS LIMITED
BRIDGING FINANCE LIMITED
PROACTIVE BRIDGING LIMITED
CLASSIC CAR FINANCE LIMITED
HEYWOOD LEASING LIMITED
BRIDGINGFINANCE.CO.UK LIMITED
FINANCE YOUR PROPERTY LIMITED
auction FINANCE LIMITED
MANCHESTER PROPERTY INVESTMENTS LIMITED

[bluebottle]

Re: harpmanor limited/blemain finance

Put my detective's hat on and found this little gem at HARPMANOR LIMITED - 01954109 - M1 7BD MANCHESTER incorporated 04/11/1985 - company credit reports and accounts - bizzy
. It even tells you who the directors are and what other parasitic firms they're directors of, too. Go back to the FOS with this information and be prepared not to take "No" for an answer. This Harpmanor firm are bullies and, dare, I say it, ripe for a formal investigation into their business methods.

[jimmyq]

Re: harpmanor limited/blemain finance

thanks i will be intouch with the fos first thing monday morning they have asked me to send in all my paperwork too so they can look into this for me and see who harpmanor limited actually is

i dont know if they will be able to help me or not but definately worth trying

can anyone recommend any other firm or solicitors etc who have had dealings with these companys as im sure i must have some sort of leg to stand on here

thanks for the info much appreciated

[labman]

Re: harpmanor limited/blemain finance

thanks i will be intouch with the fos first thing monday morning they have asked me to send in all my paperwork too so they can look into this for me and see who harpmanor limited actually is

i dont know if they will be able to help me or not but definately worth trying

can anyone recommend any other firm or solicitors etc who have had dealings with these companys as im sure i must have some sort of leg to stand on here

thanks for the info much appreciated

Have you tried approaching your local law centre:

Law Centres

regarding this issue? They should be able to at least point you in the right direction.

[jimmyq]

Re: harpmanor limited/blemain finance

still going through hell with this compnay been taken to court a few times aswell as eviction notices!! just been paying them approched the fsa,ombudsman etc but all are a waste of time! submitted a n244 form in to try and get the possession order stopped but instead judje is happy for me to pay 24% interest and renewal fees of £26000 aswell as £8500 admin fees!! now my total is £97k to settle!! ive got some solicitors involved just waiting to see what happens with them my only hope i guess!!

[PlanB]

Re: harpmanor limited/blemain finance

still going through hell with this compnay been taken to court a few times aswell as eviction notices!! just been paying them approched the fsa,ombudsman etc but all are a waste of time! submitted a n244 form in to try and get the possession order stopped but instead judje is happy for me to pay 24% interest and renewal fees of £26000 aswell as £8500 admin fees!! now my total is £97k to settle!! ive got some solicitors involved just waiting to see what happens with them my only hope i guess!!

Jimmy. You've no idea how glad I am to hear from you. I'm truly sorry I stopped helping you on another forum and we lost touch for whatever reason :tape:

So let's pick up from where we left off. Here's the full story so far as I understand it:

[FlamingParrot]

Re: harpmanor limited/blemain finance

[QUOTE=PlanB;318090] Jimmy. You've no idea how glad I am to hear from you. I'm truly sorry I stopped helping you on another forum and we lost touch for whatever reason :tape:

So let's pick up from where we left off. Here's the full story so far as I understand it:

As we have no control over other forums, here's a PDF of the thread, quite a long one, but in chronological order, and should also be searchably by keyword.

[simon D]

Re: harpmanor limited/blemain finance

As we have no control over other forums, here's a PDF of the thread, quite a long one, but in chronological order, and should also be searchably by keyword.

If the loan was for 12 months and you have exceeded that then you are bound by the penalties that you agreed to when you took the loan out....simples. Surely you read the t&c's before you signed therefore have no defence if they are abiding by the t&c's

[figaro123]

Re: harpmanor limited/blemain finance

Simon you could not be more wrong. If this was the case we would have no unfair relationship, or unfair contract terms.

Those days of hard luck you signed it have long passed thank goodness