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This is a long and sorry tale but I will make this as brief as possible. All of the facts are true as there is no point in me asking for help on the basis of untruths. In October 2006 we ran into problems with our main mortgage lender, I was self employed and had been out of work. They advised that they would go for a possession order, me being stupid I assumed they were going to be able to take our home so I approached Ocean finance, I told them our circumstances but was told that we would have a better chance if we applied for a home improvements loan which we did. We were landed with Blemain and hefty arrangement and brokerage charges. We borrowed £13000, all of which went to our main lender. I was stupid enough to sign up to 180 months at £176 per month. You don't need to be a genius to work out that I am due to pay back over £30k. On top of that we have been charged for insurance that we did not need, bombarded with regular letters and have basically been in dispute with them for a considerable length of time. The story has now gotten much worse, following a long illness my wife suffered major surgery during late summer and has suffered post op problems. I have had to lose time from work and as I am self employed this has cost me money. I have run into arrears with to around £900. I resumed normal payments last month with an amount to arrears. I arrived home yesterday to find my wife in pieces as we have received a "Permission to issue a warrant of possession granted notice from the county court". We had absolutrly no idea this was going ahead, there was no notification from the court or from Blemain. Consequently we did nit attend and nor did a representative from Blemain. How do I fight this please. There is no detail of evidence and nothing else just the notice. Can they kick us out for arrears of £900. I have been in constant contact with them via email but they fail to engage.
SO far we have paid them over £20k for a £13k loan which I now know we didn't need as I could have made an arrangement with my mortgage lender. I am desperate please as my wife now thinks we will have bailiffs at the door in teh next week or so.
This is a long and sorry tale but I will make this as brief as possible. All of the facts are true as there is no point in me asking for help on the basis of untruths. In October 2006 we ran into problems with our main mortgage lender, I was self employed and had been out of work. They advised that they would go for a possession order, me being stupid I assumed they were going to be able to take our home so I approached Ocean finance, I told them our circumstances but was told that we would have a better chance if we applied for a home improvements loan which we did. We were landed with Blemain and hefty arrangement and brokerage charges. We borrowed £13000, all of which went to our main lender. I was stupid enough to sign up to 180 months at £176 per month. You don't need to be a genius to work out that I am due to pay back over £30k. On top of that we have been charged for insurance that we did not need, bombarded with regular letters and have basically been in dispute with them for a considerable length of time. The story has now gotten much worse, following a long illness my wife suffered major surgery during late summer and has suffered post op problems. I have had to lose time from work and as I am self employed this has cost me money. I have run into arrears with to around £900. I resumed normal payments last month with an amount to arrears. I arrived home yesterday to find my wife in pieces as we have received a "Permission to issue a warrant of possession granted notice from the county court". We had absolutrly no idea this was going ahead, there was no notification from the court or from Blemain. Consequently we did nit attend and nor did a representative from Blemain. How do I fight this please. There is no detail of evidence and nothing else just the notice. Can they kick us out for arrears of £900. I have been in constant contact with them via email but they fail to engage.
SO far we have paid them over £20k for a £13k loan which I now know we didn't need as I could have made an arrangement with my mortgage lender. I am desperate please as my wife now thinks we will have bailiffs at the door in teh next week or so.
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