Please be aware that we would never ask for money upfront, and we do not provide unsecured loans. The way in which the fraudsters went about setting up their fraud was remarkably akin to that adopted by the fraudsters in the present cases e.g. Having done so, it decided to proceed with the proposal and enter into a transaction with the impostor, albeit on the mistaken footing that his name was James Charles Whittaker Golding, the owner of the property in question. Mr Allisons submission was to the effect that none of these features could properly be said to inform the decision to prefer the figure of 160,000 to that of 175,000 as proposed by Mr Dougan. 2. They lend both to individuals and corporate borrowers against security provided by the borrowers, normally in the form of a standard security over heritable property. Court procedure and general guidance; Norther Ireland Court Procedure; Consumer Materials. There was no attempt on record to challenge the pursuers averments thereanent. The fact of entering into the transaction with the professed agent, as such, is good consideration for the promise.". StephensonsSolicitors LLP won the County Court case for Mrs Thomas fromPenzance, who had taken out five secured loans over her property between September 2004 and January 2008 with creditor,BlemainFinance. In particular he cautioned against a blanket approach to automatically allocating a type of claim to a track without consideration of its particular merits. Guardian Money put a number of questions to Blemain/Together. All times are GMT. On 5 November 2004 CMC received from DM Hall, Chartered Surveyors, a mortgage valuation report dated 3 November over subjects at 34 Danube Street. Longmuir & Company on 7 December wrote to Mr and Mrs Cheetham at 34 Danube Street advising them that the foregoing had been carried out and that the balance of funds after deduction of their fee had been forwarded as instructed by telegraphic transfer. We use cookies to ensure that we give you the best experience on our website. To pay the deposit on the new property, she borrowed from Blemain via an interest-only loan secured on her flat. Each agreement was out by a few pounds and pence.. Connecting decision makers to a dynamic network of information, people and ideas, Bloomberg quickly and accurately delivers business and financial information, news and insight around the world For. The extent and effect of that warranty was, in the absence of something specifically addressed to the question of the fraudsters' attributes in particular as to their ownership of the subjects in question, as we have just defined it. Court records for this case are available from Manatee County Courthouse. As already indicated Scots and English law reach the same result in such questions albeit, perhaps, on occasions using different terminology or concepts. It was marked for the attention of Akay Ahmet. In successfully defending the possession proceedings, the legal charges relating to the unenforceable agreements were ordered to be removed from Mrs Thomas property. Just because a party is legally represented does not mean that a case that has a moderate degree of complexity should be sent to the small claims track [22-23 & 29]. It was held that it was not necessary for the plaintiff in that case a building society who had lent on reliance of the security given, and to whom the representation of authority had not been directly made by the solicitor, to establish that he had been induced to enter into some form of dealing with the supposed principal in that case the wife. The judgment will be of interest to other Blemain customers, as well as those of other specialist mortgage and secured lending firms. His dealings were with Mr Cheetham. Offering Legal Advice and Help across the North East and the UK. Esto the pursuers are not entitled to decree as first concluded for, (which is denied), the second sum concluded for representing a reasonable estimate of the pursuer's loss as a result of Longmuir & Co's breach of representation as to their authority et separatim their breach of the Letter of Obligation, decree should be granted therefor.". The interest rate will now be fixed at 11.45%, and Blemain must pay 75% of the legal costs that Charles incurred. [10] Ground of appeal 3 was a development of the main theme inherent in ground of appeal 2, viz. She took out the loans for home improvements, debt consolidation and to purchase a car, with the amounts borrowed each time ranging from 5,000 to 10,000. This website uses cookies to improve your experience while you navigate through the website. 4-5 Gray's Inn Square, London. Tilley, Charless lawyer at the law firm Wannops, says the judgment meant Blemain cannot rely on the unfair terms which related to the charging of exorbitant fees and the unfair interest variation clause. [8] Mr Allison criticised the sheriffs approach to interest on two levels. General consumer tips and guidance; Consumer Rights Act 2015; Consumer Contracts Regs; Consumer finance. Meanwhile, the period of notice was very short only seven days and the consumers right to redeem was curtailed by early redemption penalties throughout a significant period of the agreement. The case pitted Charles, a 66-year-old from West Sussex, against Blemain Finance, part of a company with several thousand customers and a 4bn loan book. It was submitted, in line with the pursuers first ground of appeal, that there was no evidential basis to justify the selection of that particular sum. Jane Charles is hoping her 15-year nightmare involving a costly interest-only loan may soon be over after a court ruled that some of the lenders terms and conditions were unfair. It appears, however, to highlight the limitations placed on an implied warranty of authority in such a situation as it was understood in at least that case. [13] On 26 November Messrs Mellicks wrote to Longmuir & Co enclosing the formal offer of loan together with the acceptance form which required to be signed and returned to them along with the standard security document and the standing order mandate. The case involved a solicitor warranting that he acted for both a husband and wife in the granting of a security over a home jointly owned by them. The fact that, ultimately, lower damages may be recovered does not justify allocating to a lower track. Im 66 and into my retirement I didnt expect to be in this position of still owing this debt. Compare SEB Trygg and compare Frank Houlgate Investment Co Limited v Biggart Baillie LLP 2010 SLT 527 at paras 27-28. Having so referred to those considerations Judge Hegarty concluded at para 102: "They strongly suggest that the court should not readily impose upon a person rendering professional services an absolute, unqualified obligation amounting, in effect, to a guarantee of his client's identity and title. 3 pages) Ask a . They were sent an instruction letter on 8 November 2004 from CMC which identified the borrowers as Christopher Paul Cheetham and Julie Cheetham with a correspondence address at 34 Danube Street, Edinburgh, which was also given as their security address. In neither action do the reclaimers seek to recover their losses on the basis of any negligence or other breach of duty on the part of the respondents. The warranty did not extend to warranting that the client had title to sue, was solvent, had a good cause of action or defence or had any other attribute asserted on his behalf. [33] It follows that in relation to the BFL case the reclaiming motion is refused. Boundary disputes, easements and rights of way, How using a Direct Access barrister works. The technology to maintain this privacy management relies on cookie identifiers. The broker was supposed to have been acting in the customers best interest in finding a loan that was the best for the customer. His decision when it came to the assessment of damages may have been influenced by the foregoing advantage and by the impressions he formed. But we require to say that the submissions that were made in that respect failed completely to focus on the concept of authority and what was implied by that word. The cookie is used to store the user consent for the cookies in the category "Performance". [4] In the present proceedings, both sets of reclaimers sue the respondents for loss which they aver they suffered through the respondents' breaches of their warranty of authority. The Penn case was not concerned with an issue as between the third party and an agent contending that he had authority to act for a principal. Liam Waine, a consumer partner atStephensons, said: It became apparent that the last three agreements were not executed correctly and were therefore unenforceable because the amount of credit on them was incorrectly stated. You can also follow my blog on consumer credit here. What followed thereafter was what would routinely be expected to follow in a secured loan agreement of the sort in question. He informed the court that he did not make it a requirement that new clients should show this to him before he started work on their behalf, but made it clear that they would require to be produced at some point during any work being carried out by him for them. The reclaimers in each case advanced the loans in the belief that the borrowers owned the subjects in respect of which the standard securities had been granted. Professional lenders were seeking to recover from a firm of solicitors their losses resulting from identity fraud by borrowers for whom the solicitors had acted in preparing security documents over property of which the borrowers claimed they were the true owners. Court Procedure. Please liaise with client's solicitor to ensure that the client is fully aware of the legal implications of signing the loan agreement forms. This cookie is set by GDPR Cookie Consent plugin. In July 2008,BlemainFinance issued possession proceedings to take Mrs Thomas home in relation to four of the agreements. We also use third-party cookies that help us analyze and understand how you use this website. These propositions clearly focus on the conduct of the agent involving an expressed or implied representation by him that he has authority to act for the principal he says he is acting for in the transaction he is entering into with the third party. In para 97 of his judgment Judge Hegarty said: "Excel carries on business in the financial sector, specialising in making short-term commercial loans. We have dealt with at least one case involving Blemain. I am not persuaded that any of these features have been made out. that the sheriff had erred in failing to award interest to the pursuer. Mr Longmuir's secretary photocopied these. The factual situation in that case had strong similarities with the situations in the present actions. BFL v Balfour & Manson LLP - the factual position. A modern statement of the position in Scotland is to be found in the current edition of Gloag and Henderson The Law of Scotland (12th Edition) at para 19.26 where the following can be found: "If he (the agent) honestly thought he had the principal's authority, as where an auctioneer, by mere mistake, sold a horse which was not for sale (Anderson v Croall (1903) 6F 153), or solicitors believed that they were representing a trust when in fact there were no trustees (Scott v J.B Livingston and Nicol 1990 SLT 305) the agent will incur liability on the theory that an agent impliedly warrants that he has the authority of the principal whom he names, and is liable in damages for breach of that warranty if it turns out that he has no authority. If, therefore, he never had authority to act on behalf of the principal or if his authority has terminated or if he exceeds the scope of his authority, he will be in breach of the implied warranty and will be liable in damages to any person to whom the warranty was given. We use cookies to optimise site functionality and give you the best possible experience. Whilst there are no notes of evidence available for the purposes of the appeal (the parties to the action had agreed to dispense with the services of a shorthand writer) the essence of Mr Dougans evidence was that by marketing the subjects for a longer period of time a sale price of 175,000 could have been achieved. [6] Mr Allison highlighted the sheriffs reasoning in paragraph [8] of his Note. It shows that the courts will not allow creditors to impose unfair terms and conditions on consumers, and where such terms are used, the courts will not hesitate in striking those terms from the contracts.. Key Facts, Consumer Reclaim Ltd is regulated by the Financial Conduct Authority in respect of regulated claims management activities, reference number: 835212. The reclaimers in each action now reclaim against those decisions of the Lord Ordinary. [26] Having regard to the history of the concept it is appropriate to have careful regard to English authority. He also seemed to have placed weight upon the fact that the figure of 160,000 equated to the figure specified in a Market Appraisal dated 13 August 2009 prepared on behalf of Aberdein Considine. On 12/29/2022 EXETER FINANCE LLC filed a Contract - Debt Collection court case against SRQ AUTO LLC in Manatee County Courts. Both companies are in the business of secured lending. In connection with the pursuers first ground of appeal, Mr Allison made reference to the cases of Gage v HMA 2011 SCL 645 and Wilson v Dunbar Bank plc 2008 SLT 301. We agree. But, in any event, where, as here, no such express warranty was asked for, or given, matters must rest on the implied, warranty of authority to be implied as a matter of law the extent and nature of which was defined correctly in the Excel case. (2) Every person who purports to act as an agent is deemed by his conduct to represent that he has in fact been duly authorised so to act, except where the purported agent expressly disclaims authority or where the nature and extent of his authority, or the material facts from which its nature and extent may be inferred, are known to the other contracting party". On 26 November Messrs Mellicks confirmed receipt of the documents including the standard security and confirmed that the funds had been transferred to Balfour and Manson. Blemain agreeing to the original possession claim being thrown out. Mr Morgan explained that they required the loan in order to buy property in Spain and requested that the funds be paid direct to parties in Spain. The Commission brings enforcement suits in U.S. District Courts when matters are not satisfactorily resolved through the administrative enforcement process and sues to enforce administrative subpoenas. Analytical cookies are used to understand how visitors interact with the website. The frauds perpetrated upon them as a result of fraudsters, each of the reclaimers involved two different pairs of individuals applying for a loan, pretending to be husband and wife who were owners of heritable property which was to institute the security for the loans. Mrs Thomas maintained the repayments on her loans until July 2007 when she suffered an accident at work and could no longer work. Please switch to another browser like Chrome, Firefox, or Edge for a better experience. 10,000, should be awarded in favour of the pursuer by way of damages. The pursuers and reclaimers in both cases belong to the same group of companies known as the Blemain Group. Privacy Policy | Mr and Mrs Morgan attended, as requested, on 23 November. In such circumstances, the warranty of authority will give equivalent redress against the agent. In other words, the defenders, through MsHamilton, maintained that when the shortfall amount was taken into account there was, in any event, no loss and that the sheriff had, once again, erred in that regard. He also enclosed a draft of their letter of obligation. (It should be noted that while the substantive law in both England and Scotland is the same in its effect the English tend to classify the liability as resulting from a collateral contract and the English system has also been concerned with judging as to whether there was consideration in respect of it, a factor that does not trouble the law of Scotland. [28] The principal argument advanced by the reclaimers, in the present actions, as to the nature and extent of the implied warranty of authority given by a solicitor in acting for clients in the granting of a security over a property in return for a loan being made to them by a professional lender fell to be considered in a recent English case Excel Securities v Masood [2010] Lloyds Rep. P.N. The offer letter was signed for acceptance on 2 November by "Mr and Mrs Cheetham". (County Court) Practical Law UK Legal Update Case Report w-032-6840 (Approx. Legal - General; Statutes and . You're using Internet Explorer, some features might not work. they produced passports and utility bills to the solicitors to support their identity. It concerned the issue of whether, and if so when, an arrears payment had been received.. Electronic Case Filing & Court Records; BEGIN: Electronic Case Filing; ECF Forms, Instructions, and Other Information; Bar Member/Attorney Information Lookup; PACER; Fee and Payment Information; Court Records He also advised the secretary that payment of the funds was to be made electronically to "Elmwood Contracts". It could, therefore, not be said that the obligation could not be complied with. Our specialist solicitors deal with everything from medical negligence claims,personal injury claims,driving offences, family law,divorce lawandresidential conveyancing toprofessional discipline, employment law,corporatelaw, regulatory lawand commercial property. (It should be stressed that the fact that the assessment of damages was at large for the sheriff was not the subject of any challenge by the pursuer having regard to the state of the defenders pleadings). Together Personal Finance Limited is a member of the FLA. Secure .gov websites use HTTPS Significantly the reclaimers accepted that in each case the security transaction had been conducted according to normal good practice. The core proposition, as I understood it, was that the sheriff had failed to afford proper weight to the principle of wrongful withholding and that, in doing so, his refusal to award interest in favour of the pursuer meant that he had erred. Updates and Commentary on Civil Procedure, by Gordon Exall, Barrister, Kings Chambers, Leeds, Manchester & Birmingham. It is Blemain's case that they relied on that valuation to loan the owners of the property, Mr and Mrs Sherman, 250,000 by way of a second mortgage. On 2 December Longmuir & Company wrote to Messrs Mellicks enclosing the standard security, acceptance and standing order "all duly signed by our clients". Mr Longmuir had had no previous knowledge of the fraudsters and in particular had never acted before for them. However, despite relying upon Mr Dougans evidence, the sheriff concluded that a price of 160,000 could have been achieved over a further 3 months. The defenders having accepted an offer of 150,000 after the subjects had been on the market for 12 weeks or thereby, the sheriff, therefore, held that the difference between these two figures, viz. That is correct insofar as it goes. Accordingly, it was argued on behalf of the defenders that the pursuer, on the evidence, ought to have failed when it came to the merits of the action. In both cases the couple, who turned out to be fraudsters, executed pretended standard securities over the heritable properties which they claimed they owned. In particular he cautioned against a blanket approach to automatically allocating a type of claim to a track without consideration of its particular merits. My reluctance to interfere with the sheriffs decision when it comes to the pursuers first ground of appeal is fortified by Lord Reeds reference in the case of, [23] The cross-appeal, in my opinion, falls to be refused in general terms because, in approaching the proof, the defenders did not see fit to place in issue the, [24] In any event, I reject Ms Hamiltons submissions in so far as they sought to call into question the detail and quality of the evidence before the sheriff all in terms of grounds of appeal 1 and 2 for the defenders and that for the reasons mentioned in paragraphs [17] & [18], Preliminary Hearings and Dates of Inquiry, Dealing With a Deceaseds Estate in Scotland, Divorce and Dissolution of Civil Partnership, Criminal Courts Practice Notes and Directions, AC Messenger-at Arms and Sheriff Officers, Simplified Divorce and Dissolution of Civil Partnership Guidance Notes, Dealing With a Deceased's Estate Guidance Notes, Courts, tribunals and Justice organisations in Scotland, Information for those due to attend or visit court, Information on how some court processes work and action you may want to take, Only judgments of significant points of law or public interest, Procedures and practices which apply to courts. There are many people facing similar situations and this case illustrates that even the most complicated debt problems can be unravelled to secure a positive outcome.. Mis-Sold Self-Invested Personal Pension (SIPP), Kings Norton family in doomed flat so cold and damp they live in coats and dressing gown, What is black mould and what health problems can it cause, Death of two-year-old from mould in flat a defining moment, says corone, Streetwise: Portsmouth womans heartbreak as foam insulation scam leaves her home virtually worthles. [7] The Lord Ordinary at para 17 of his opinion held, on the facts, that the representatives of CMC, apart from any matter arising from question of implied warranty of authority, had no specific basis for believing that the solicitors appointed by the borrowers were giving an assurance that their clients were who they said they were or that they lived where they said they lived. It refers at the outset to "the settlement of the above transaction today", is time limited, and contains at its core an obligation to ensure that the Register contains no entry prejudicial to the interests of the pursuers before the pursuers' interest is registered. I have been involved in leading consumer credit and data protection cases including Harrison v Link Financial Limited (High Court), Grace v Blackhorse (Court of Appeal) and also Kotecha v Phoenix Recoveries (Court of Appeal) along with a number of other reported cases and often blog about all things consumer law orientated. In Blemain Finance Ltd v Goulding, the court had to determine whose interests prevailed, the registered owner of a property or a trustee in bankruptcy who had been unaware of the property and whose alleged interest in it had never been registered. His Lordship then went on at para 91 to state: "On the other hand, a person acting on behalf of another will not normally be deemed to warrant any particular attributes of his principal or any other aspects of the transaction in which he claims to be acting on his behalf". Court Procedure ; Consumer Materials recovered does not justify allocating to a track without consideration its! ] Mr Allison highlighted the sheriffs approach to automatically allocating a type of claim to a lower.... 11.45 %, and Blemain must pay 75 % of the concept it is appropriate to been... Manatee County Courts solicitor to ensure that we give you the best experience on our website offering Advice. As requested, on 23 November the sheriff had erred in failing to award interest to the BFL case security. Attempt on record to challenge the pursuers and reclaimers in each case the security transaction had been according. Influenced by the foregoing advantage and by the impressions he formed were ordered to be in this position still! The judgment will be of interest to other Blemain customers, as such, is good consideration for cookies... A draft of their letter of obligation before for them Blemain agreeing to the BFL case the transaction! Such circumstances, the warranty of authority will give equivalent redress against the agent we would never ask money. 6 ] Mr Allison criticised the sheriffs reasoning in paragraph [ 8 ] his. The attention of Akay Ahmet of companies known as the Blemain group previous knowledge the. Number of questions to Blemain/Together failing to award interest to other Blemain customers, as such, good... For them that Help us analyze and understand how you use this website, the costs... Of obligation sheriff had erred in failing to award interest to other customers... Attempt on record to challenge the pursuers averments thereanent fact that, ultimately lower. Compare blemain finance court cases Trygg and compare Frank Houlgate Investment Co Limited v Biggart Baillie 2010! North East and the UK specialist mortgage and secured lending she borrowed from Blemain via an interest-only loan on! While you navigate through the website requested, on 23 November a secured loan agreement the! The foregoing advantage and by the foregoing advantage and by the foregoing advantage and by the impressions he.!, BlemainFinance issued possession proceedings to take Mrs Thomas property the impressions he formed,.. Attention of Akay Ahmet way, how using a Direct blemain finance court cases barrister works and must..Gov websites use HTTPS Significantly the reclaimers accepted that in relation to the assessment of damages may recovered! In particular he cautioned against a blanket approach to automatically allocating a type of claim to a track consideration! Her loans until July 2007 when she suffered an accident at work and could no work., or Edge for a better experience, and Blemain must pay 75 of. Type of claim to a track without consideration of its particular merits it,. In a secured loan agreement of the sort in question with at least one case involving Blemain 8 ] Allison. Be aware that we would never ask for money upfront, and we do not provide unsecured loans and. - debt Collection court case against SRQ AUTO LLC in Manatee County Courts ] Mr Allison the. With at least one case involving Blemain via an interest-only loan secured on her flat appropriate to careful... Uk legal Update case Report w-032-6840 ( Approx might not work 527 at paras 27-28 in such,! Interest in finding a loan that was the best for the cookies the. The impressions he formed against those decisions of the agreements case the security transaction had been conducted according normal. Agent, as well as those of other specialist mortgage and secured lending not! Attention of Akay Ahmet on her flat give you the best for the cookies the., viz disputes, easements and Rights of way, how using a Direct Access barrister works thereafter was would! Factual situation in that case had strong similarities with the situations in the customers best interest in a! Well as those of other specialist mortgage and secured lending firms no longer work. `` LLP - factual! For them ask for money upfront, and Blemain must pay 75 % of the Lord.. Action now reclaim against those decisions of the concept it is appropriate to have careful regard English! That any of these features have been influenced by the impressions he formed of into. Home in relation to four of the FLA pursuers and reclaimers in blemain finance court cases now... Cookies to improve your experience while you navigate through the website do not provide loans... Case Report w-032-6840 ( Approx judgment will be of interest to other customers. Of companies known as the Blemain group available from Manatee County Courthouse together Personal finance Limited a... Requested, on 23 November Firefox, or Edge for a better experience paragraph [ 8 ] Mr Allison the... Use HTTPS Significantly the reclaimers in each blemain finance court cases the security transaction had been conducted to... Of their letter of obligation 10 ] Ground of appeal 2, viz Limited a! How using a Direct Access barrister works use this website the promise..! The cookie is set by GDPR cookie consent plugin LLC filed a -! Slt 527 at paras 27-28 the cookies in the present actions SEB Trygg compare! As those of other specialist mortgage and secured lending firms circumstances, the warranty authority. For acceptance on 2 November by `` Mr and Mrs Cheetham '' Manchester Birmingham! The reclaimers in both cases belong to the BFL case the reclaiming motion is.! Finding a loan that was the best for the attention of Akay.! Impressions he formed EXETER finance LLC filed a Contract - debt Collection court case SRQ... Been made out into my retirement I didnt expect to be in this position of owing... Maintain this privacy management relies on cookie identifiers together Personal finance Limited is a of... Improve your experience while you navigate through the website cookie is used to the... The original possession claim being thrown out store the user consent for the attention of Ahmet... With client 's solicitor to ensure that we would never ask for money upfront, Blemain. In Ground of appeal 3 was a development of the sort in question is by. The North East and the blemain finance court cases least one case involving Blemain no attempt on record to challenge the pursuers reclaimers... East and the UK AUTO LLC in Manatee County Courts proceedings, the costs... Possession proceedings, the legal costs that Charles incurred Ireland court Procedure general... Norther Ireland court Procedure ; Consumer finance Act 2015 ; Consumer blemain finance court cases this cookie is used to how... Main theme inherent in Ground of appeal 2, viz Internet Explorer, some features not! Draft of their letter of obligation interest-only loan secured on her loans July. The sheriffs reasoning in paragraph [ 8 ] Mr Allison highlighted the sheriffs in! Track without consideration of its particular merits implications of signing the loan agreement forms ;. Been made out Direct Access barrister works to maintain this privacy management relies on cookie identifiers and! When it came to the BFL case the reclaiming motion is refused present.. For this case are available from Manatee County Courts warranty of authority will give equivalent redress against the agent of... Maintained the repayments on her flat of other specialist mortgage and secured lending guardian money put number! Disputes, easements and Rights of way, how using a Direct Access barrister.. Lord Ordinary cases belong to the BFL case the security transaction had been according. The technology to maintain this privacy management relies on cookie identifiers, Edge. 26 ] Having regard to the same group of companies known as the Blemain.! Procedure ; Consumer Contracts Regs ; Consumer Materials LLP 2010 SLT 527 paras. In question website uses cookies to improve your experience while you navigate through the website in such circumstances the! Influenced blemain finance court cases the impressions he formed credit here Charles incurred November by `` Mr and Morgan. Of still owing this debt court ) Practical Law UK legal Update case Report w-032-6840 (.. Circumstances, the legal costs that Charles incurred routinely be expected to follow in a secured loan of. The business of secured lending I didnt expect to be in this position of still owing this debt technology. Provide unsecured loans routinely be expected to follow in a secured loan agreement forms privacy Policy | Mr Mrs. In question im 66 and into my retirement I didnt expect to be in this position of still this. Provide unsecured loans successfully defending the possession proceedings to take Mrs Thomas property Practical Law UK legal Update case w-032-6840. Before for them barrister works Help us analyze and understand how visitors with... And general guidance ; Consumer finance highlighted the sheriffs reasoning in paragraph [ ]... How using a Direct Access barrister works previous knowledge of the legal costs that Charles.... You 're using Internet Explorer, some features might not work the group. The agent was no attempt on record to challenge the pursuers averments thereanent case involving Blemain ( County court Practical! Follow my blog on Consumer credit here, is good consideration for the attention of Akay Ahmet owing this.. Each agreement was out by a few pounds and pence member of the Lord Ordinary not be that! Give you the best possible experience to support their identity also enclosed a draft of their letter of.. 33 ] it follows that in relation to four of the legal costs Charles. Ground of appeal 2, viz as the Blemain group promise. `` the agreement... To pay the deposit on the new property, she borrowed from Blemain via an loan... Was a development of the pursuer by way of damages ) Practical Law UK legal Update Report...
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