Lancashire Mortgage / Blemain Finance

[suffering]

Re: Lancashire Mortgage / Blemain Finance

The problem is irresponsible lending is not breaking any laws or is it? what can you do if you are set up to fail by a lender who gives you a unaffordable loan?

[Sickofbullies]

Re: Lancashire Mortgage / Blemain Finance

http://jobs.thesun.co.uk/job/2477492...administrator/ I am thinking of applying.

[Sickofbullies]

Re: Lancashire Mortgage / Blemain Finance

oh dear

[figaro123]

Re: Lancashire Mortgage / Blemain Finance

I have an income and affordability document that says i can afford 723 per month. I have an application form that states i wished to borrow 10000, they have it in their possession. I completed another application form which i asked for 40000 and wrote on it my monthly payments would vary as my monthly income varied, they claim not to have this form. The loan i got was for over 1000 a month and they knew from my income and affordability document i could only afford 723 per month. If this is not irresponsible lending i dont know what is

[Sickofbullies]

Re: Lancashire Mortgage / Blemain Finance

I love this ruling-http://www.oft.gov.uk/shared_oft/unf...ps/case-12.pdf

[Sickofbullies]

Re: Lancashire Mortgage / Blemain Finance

Ok so far i have requested the following is there anything else I need to ask for?

SAR

Copy of Underwting Sheet

Consumer Credit license number
Copy of all telephone recordings

I want to make sure that I have all the information and don't want to forget anything.

[Sickofbullies]

Re: Lancashire Mortgage / Blemain Finance

OOo that's a good idea-I will ask for recordings-as they have charged me for telphone calls-and I don't have a phone!

[figaro123]

Re: Lancashire Mortgage / Blemain Finance

I dont know how to get in pms but i am just looking for evidence to show they had the ability to record conversations prior to 2007. They claim they did a speak with with me in sept 2006. I have no recollection of this and asked for a recording, they say they did not have a recording system in place prior to 2007

[Sickofbullies]

Re: Lancashire Mortgage / Blemain Finance

I have sent you a pm what exactly are you looking for?

[Sickofbullies]

Re: Lancashire Mortgage / Blemain Finance

I have sent you a pm.

[figaro123]

Re: Lancashire Mortgage / Blemain Finance

Blemain claim in a letter to thee ICO they do not have any recordings prior to 2008. Does anyone have any evidence to show the contrary

[suffering]

Re: Lancashire Mortgage / Blemain Finance

Also if they want to rely on phone call transcrips, ask them for a disc with original taped phone conversations. Be aware they have a habit of sending things last minute, So i now do the same and they don't like it.

[Sickofbullies]

Re: Lancashire Mortgage / Blemain Finance

I have asked for that.

[figaro123]

Re: Lancashire Mortgage / Blemain Finance

make sure u get the underwriting sheet.I did not get one with my sar. I had to make am application to the court and they sent t one day b4 the hearing

[Sickofbullies]

Re: Lancashire Mortgage / Blemain Finance

Tracey Bailey is a Director-with her husband (Very cosy) underwriting & sales. She is very driven she says bless her.