Jump to content


  • Tweets

  • Posts

    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
    • Paula Venomous refused to resign for 16 months and eventually did only because a doctor threatened to resign. Interesting snippets and insights in the article. Paula Vennells clung on to ‘plum’ NHS role after Horizon scandal ARCHIVE.PH archived 19 May 2024 21:49:07 UTC  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Blemain Agreement Has gaps not filled in!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5527 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, if you are successful in remortgaging and redeeming the loan then you need to look at what their charges are; I got a redemption quote in 2007 and it was astronomical. With a bit of digging I have worked out what the right amount should have been. They charge for late payments, phone calls and letters as well as an early repayment charge, and if you haven't got 'their interest' noted on your buildings insurance policy they will charge you for insurance as well (Stanmore Insurance). There are other threads recommending that when you get the redemption quote you take it to either the CAB or a Trading Standards office to get them to check the calculation. I shall be doing that if I can remortgage and get shot of them. As you didn't (I don't think) use a broker then you shouldn't have a broker fee included but that doesn't stop them and Midge61 had a broker fee added though he dealt directly. Good luck and let us know how it's going.

Link to post
Share on other sites

  • Replies 69
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Thanks for that info. We were quoted 6 months interest as early repayment penalty, we have never paid late or spoken to them on the phone and we did have them named on our insurance so if they dare to charge me any more than 6 months interest I will not be a happy bunny.

 

Am I right in saying that the opinion on here is that they must be enforceable because they aren't regulated? I would really like confirmation of this before we pay it off (if we ever get the mortgage offer we're waiting for! - supposed to be sorted last week but still waiting!!).

 

Having read so much on here about them they seem like sharks and I can't believe they can get away with behaving like this!

Link to post
Share on other sites

Hi, I don't really understand the unregulated thing but have been told by Blemain themselves that mine is one of those.

 

I've just remembered that on the reverse side of a letter they sent me last month chasing payment (which was not late - their error) there is a complete list of all their charges from August 2008. Would it be helpful to you to have this? If so I will attempt to find a scanner... then at least if they swing charges on you you'll have a better idea of what they might be.

 

I couldn't work out what they based my early repayment charge on at all; it wasn't six months' interest and there's nothing saying that's what they want in my contract. However it is worth you insisting on absolute transparency when the time comes. What you really need to be careful about is that they don't use what is called the rule of 78 when calculating. There is info about that elsewhere on this site. Good luck with your mortgage.

Link to post
Share on other sites

Hi

 

They are NOT allowed to use rule78 anymore, they gave an undertaking to the FSA in 2005 I think. I will try to find it in a bit.

 

If there is no erc on the loan then I thought that they were only meant to charge 1 months extra interest and the month in which you are redeeming.

 

Perhaps Consumer Direct could tell you but when you do get your redemption figure I would take it to CAB to get it checked out.

Link to post
Share on other sites

Thanks for sending that link Midge, I knew it was around somewhere but I'm only learning how to use forums at the mo and only cracked searching today!

 

The more I dig up about Blemain the more I fume.... I just can't believe the brokers could have recommended them. Have got an SAR in with the brokers now; I originally sent one last September, recorded delivery, no reply, chased again recorded delivery. The £10 cheque hadn't been cashed... then got a letter saying 'request not received, try again'. So I have, and this time I've sent it Special Delivery. Uugh..

Link to post
Share on other sites

Thanks for all this info.

 

I am posting my agreement on here (by the suggestion of another member).

 

I'm hoping someone on here will look at it for me to see if all is ok.

Edited by esile172
Link to post
Share on other sites

So I think the questions we need to ask are

1. Freedom who sold me the loan should have given me key facts sheet on the loan (as I never had one).

2.Can Blemain charge me interest on their charges? (not sure if they are)

3. Do I have any protection when they are not regulated?

4. I thought it was an interest only loan but the monthly amount appears to show it as a repayment loan yet I cannot find any mention of what kind of loan it is. Should it state the kind of loan?

5. The title of the loan document says "This agreement sets out below and overleaf the terms on which we, Blemain Finance Ltd of Bracken House, Charles Street, Manchester M1 7BD (the Lender) MAY make a loan to you the (Borrower(s)"

6. Are they allowed to charge that much in early repayment charges?

 

 

Can you think of anything else?

Link to post
Share on other sites

  • 1 month later...

A sar is your legal request for all info held on you by the firm and they HAVE to comply with the request.

 

They will be awkward about giving you all the info but that is as far as they can go. If you are making payments then they have no reason to do anything against you.

 

I too would like to know how we can win against them and who is there to help against these unregulated firms.

Link to post
Share on other sites

Hi Midge61

 

I would love to challenge this agreement. Not because I don't want to pay it but because I feel we were not advised properly about their conditions.

 

Unfortunately I have a lot on my plate at the moment (see other threads) and do not want to rock the boat with Blemain. I have read some very nasty things about their behaviour. I hate to sound like I have been scared off but for now I have!

 

I am keeping a keen eye on any information I can about others with these sharks though.

 

Good luck!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...