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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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welshperson3 v blemain finance - 140A Unfair relationship -started court proceedings

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I have just finished re-reading this thread, trying to educate myself, as things are coming to a head with me and Lancashire Mortgage Corporation.

I have a final chance to issue a counter claim, which will be 1.unfair relationship 140a b & c CCa 1974 2.

Fraudulent misrepresentation act 1967 but after reading this, i am considering adding unfair terms in the contract.

Does anyone have any specific information about the unfair terms in blemains contract as i believe they exist, some are brushed over in this thread but can anyone elaborate a little more.

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  • 1 month later...
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Blemain Finance Limited

In October 2006,

we obtained an undertaking from Blemain Finance Limited under the Unfair Terms in Consumer Contracts Regulations 1999.


The undertaking related to how the firm calculated the level of its early repayment charge (ERC).


In September 2010 the undertaking was withdrawn from our website to reflect our updated view

that the ERC levied by the firm formed part of the price the borrower pays

in exchange for the service of being provided with a mortgage which operates at a fixed/discounted rate of interest for a period of time.


Our updated view is that it is unlikely that the level of such charges can be assessed for fairness under the Unfair Terms in Consumer Contracts Regulations 1999



Taken from the Financial Conducts Authority Website

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This has nothing to do with unfair phone call charges unfair interest rate, unfair letter charges unfair interest rate unfair buildings insurance or any other unfair charges blemain add to everyone’s account.

This is what blemain used to charge people when they wanted to pay off their agreement’s early

(ERC) early repayment charge as blemain haven’t been charging this since 2006 then I think this post is slightly misleading.

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that's about the worth of their usefulness here too

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes I understand that.

This is just another way this company make you part with your hard earned money and they have many more.

I was stung big time with early redemption charges. ....

The Co have been fined I might have another try to recover what they should not have charged me to release me from their clutches

Unfortunately I redeemed in 2003 but maybe it's still worth a chance...I'll follow your story and wish you luck

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Hi - excuse me but are the FCA saying that they no longer support the idea that ERC's are subject to the test of fairness?


I am thinking that an ERC coupled with a MIG is belt and braces and a company that 'employs' both

and then sells the product 12 weeks later is really taking the ****, as in my case.


A MIG is a higher lending fee in another cloak in my own opinion, and if both of these are supposed to be to protect losses for the lender in some way,

can we ask the companies involved to show the figures and prove what they assert?


Take that along with their abuse in the libor rates plus additional charges and they really are just printing money.


I am still struggling to get any acknowledge from GMAC/Paratus on these matters and they just give me the usual guff about what they are allowed to do - e.g. get away with in this country.

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  • 7 months later...
  • 8 months later...

Thanks for the update suffering, hope his nightmare with them is over now! Did you have problems with them to, if so how did/are you getting on? I've started a thread as I'm about to take them on and to be honest, im dreading it!

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  • 1 year later...


blemain are not allowed to charge fees constant now for ringing you 35 pound a time

its now at most one a month 35

together have said i think he said they have stopped it happening,

but this is still crazy,

claim it all back hun through support team that together now have, put a complaint in and dates

you may be shocked how much you get back hopefully

just be careful because they stuck interest on also

dont fall over when you get that shock too 

yes about your loan and others the same there are quite a few hun that were not dealt with right

im fed up with the trauma

trying to chill but am hating seeing so many customers of blemain all left in a pit and we should have been out the pit yrs ago.

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  • 6 months later...

just here to say hello

just a quick update after 9 years fighting blemain I thought me and blemain had come to a uneasy peace but its back on

blemain removed every single charge from my account

blemain removed all insurance charges from my account

blemain removed all interest from my account (interest free loan )

but I made a mistake

I let solicitors add the point about brokers fees being unfair and I couldn't prove this point

the same solicitors put phone harassment into my defence and I couldn't prove this point either

so I ended up with some costs

so me and blemain are back on

I will start a new post and give you all the details


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  • 3 weeks later...

Hi suffering

I went to court with them.

But like a fish they wiggled and squirmed and got away, but like any big greedy fish they came back and now they are hooked again, and this time I have learned how to play a big fish.


I did end up with an interest free loan

I did end up with a charge free loan



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  • 2 months later...
  • 2 weeks later...

hi fielder

hope you are well or should i say well as you can be under blemain hows things with you - has your loan gone now?

hi welshspoons

are you back in court now? or whats happening 


hi, what did you decide to do over blemain? are you alright.

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  • 1 year later...

The stress is horrendous, i took ill and landed in hospital for a couple of months, due to the stress of all this i decided to drop my fight for the sake of my health and paid it in full. In short 5k loan i paid back £21,322.38. 

On another note though i got an ambulance chaser call me regarding blemains hidden commision to broker and she was telling me they have had lots of success against blemain (together). I may look into this one day when i feel ready to do so. 

All the best to anyone fighting these crooks


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I seriously doubt any ambulance chaser has ever won any case

don't waste your money

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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