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    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
    • What makes you say that?  I have no idea how I would go about that or why they would even entertain discussions now that they've won the Court case
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    • 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
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Blemain Finance GRRRRRRRRRRRR


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Hello

 

I was stupid enough to take out a secured loan with Blemain Finance in October 2006. It was £5000 to be repaid over 5 years.... thankfully the term is nearly up now! I have some arrears on the account but these amount to about £500 and I have an agreement with Blemain to make my repayments of £124 a month plus £44 towards the arrears. I am working really hard to fully repay my total loan amount as per the original agreement buy the time October comes so that I no longer owe them anything from the loan agreement! (and they wont be able to charge me for the "roll over fee") But what I want to know is what happens then? I have charges on the account from a repossession hearing that I had about 3 years ago when I lost my job and went a bit loopy with a marriage break up and they have been helpfully sending me letters to tell me that my account is in arrears (at £35 a pop). I don't know how much it is going to be but I can imagine it will not be cheap... Will they demand payment in full, will they be able to keep the 2nd charge in place on my deeds and so obviously the threat of repossession hanging over me? Their fees for sending a letter etc are obviously a form of revenue stream and bear no resemblance to the cost of actually sending the letters, but is this covered any leglislation, the loan is regulated by the CCA but maybe Blemain are not regulated by the FSA... I'm just a bit confused.......GOD, if there was ever a bad decision that you made in life..... mine was getting into bed with these buggers.... and I get the feeling that the fun is just about to get started!

 

Also, now i am near to paying off the loan, and owe relatively little on it I feel now is a good time to maybe start trying to get the fees reduced because I've made very regular payments for three years and paid well over £6000, and will continue to make my payments and so no judge in the world would grant them possession of my house.

 

Thanks for reading .xxx

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perhaps you are very fortunate that you are able to understand the terms of your loan agreement.as such know all the fees etc.

i know someone,whom has paid back 95 percent of a loan from them and find themselves now owing not just the original loan amount,but twice that much as well,having paid back almost the capital borrowing amount,plus interest for 6 years.on a self cert broker issued secured loan,that stated this is the only loan you can get.

they have asked for help and advice as to stop the account climbing irresponsibly or unnessarilly higher,when work and income situations change. knowing the customer cannot possibly ever realistically pay it off,unless fees and costs are stopped for a while,if costs and interest and other nefarious fees are added.that is with statements of means etc,that were answered by the companies representative answer,provable,saying,we dont care,we are not regulated.that is what they said !!!!

that someone i know,is dumfounded and has nowhere to turn to sort this out now.further phone calls and further begging letters were answered by the words our charges stand.

the letters are real as well stating that the costs and fees are what you have to pay,as in have to.

they also state,we are not regulated via phone calls,when you ring them for help and advice,they have deliberatley sent excessive amounts of letters,made extremely excessive amount of phone calls,are unanswered ones charged?and it would be deemed harrasment if pursued.

it is with great reluctance that i am even answering to your thread,the company that you are speaking about that you are unsure about with regards to fees etc,i can only say this,ring them,ask them, write to them,ask them,email them,beg them,to give you the information you are rightly and legally obliged to get from them.

then,peruse and see if you have or have not got an account disagreement that needs sorting out.

 

btw, repossession is very very real for these companies regardless of what you may think a judge will say.

thats the scary bit.

Edited by helpasker
annoyed
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Well thanks helpasker. Not sure that your post was what I wanted to hear or necessarily helpful but thank you for taking the time to reply. Quite a rant there! lol But further investigation of Blemain means that I've found out that they are regulated by the FSA. For them to say that they are not regulated by someone is a bit of a fib.... I went for a job selling insurance over the phone and was turned down because I failed the credit check, ditto for an estate agency job I went for... both of these positions being regulated by the FSA.... if I can't get a bloody low grade job because of the FSA I fail to see why a loan company can carry on trading in tis country without being regulated! Anyhow, "treating customers fairly, unfair terms, penalties dressed as admin/default charges" loads of literature to read all over the web on this site and others, but will have to see how I go and see how much they are trying to get out of me. Always have the option of the no win no fee solicitor that keeps contacting me!

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hi mate glad to see you are getting through your problems with B.. ,only thing i can say is continue your payments as agreed but also begin an action for recovery of monies you think they may owe you , Blenheim are the worst company ever to deal with so just be very careful they are a treacherous bunch , and they may say one thing but do another so with them watch your back , this warning is not given lightly be very careful in your dealing with this lot , just type in bleheim in the search forum and read the horror stories about them .... so pay off your loan but also begin an action against them for the recovery of excess charges

patrickq1

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  • 4 weeks later...

hi, blemain is the worst loan company i have ever been with. I was taken to court and offered a sum each month on top of my original payment, but the amount i owe is still high. i asked them for all late payment fees and all charges to be refunded on my account as with the new law. it took only 2 weeks to do this as i threatened them with the unfair relationships act and threatened to sue them in court for charges above the norm. also for anybody who has problems with blemain, you threaten them with this and also 'peter bentley v Blemain' look this up on the internet and tell blemain you are going to do the same and hopefully you will sort this out. good luck xx

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THANK YOU VERY MUCH.................. I'm very happy for you. And thanks for the post. They are leeches and think just because you signed a credit agreement with you it gives the a license to print money...... your money. I'll certainly look into it. I'd love to finish paying the loan in October and then have their charge removed from my home!

 

XXXXXXXXXXXXXXXXXXX

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hello, me again, I'm just reading about the case now. Did you SAR Blemain, did you write to them or did you just ring them up. I posted on this site a month or so ago and the next week I received a letter from them telling me about my settlement figure and from what I can work out its a hell of a lot less than it should have been and also they were saying they could offer credit facilities so as to not incur more interest! Its almost as if they knew I had posted!

 

xxxxxxxxxxxxxxxx

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Hello to everyone with blemain. I took out a loan with them in 2007 then i had a stroke, off work etc. got behind they took me to court, repossession order suspended and paid my monthy rate and an extra 20 per month as court order. my loan was for 34,000 it is now at 43,000 due to their court costs fees interest charges, so to cut along story short (if you can about blemain) i will never pay off this loan. well thats what i thought until i spoke to someone. i asked for all my paperwork from the start of this loan under the subject access law and paid a £10 fee for this also a cd of all phone calls they were charging me for. As you can imagine they sent the majority of these but imoptant ones they didnt, good job i kept all mine just to check up. also all the phone calls they charged me for wernt on the cd only some of them so i asked for a refund of all those not on the cd and all late payment charges also all charges that the new law states should be refunded, this i got back within 2 weeks, a full refund. I also looked up on the internet 'Peter bentley v blemain' for unfair relationship act 140 and am now going to sue Blemain under this act as have paid them £10,000 for nothing as my debt is never reducing. i have stopped paying them in feb of this year as i am in dispute over my loan. they have a new revised charges sheet available, you wont believe how they have reduced they as with the oft. they say they are not regulated, but all loans are regulated to an extent, they are not allowed to be unfair, why would they lower there charges? and monarch and blemain are the same so if you have been charged for one thing with blemain and the same charge with monarch you can ask for a refund of one of them as they cant charge you twice for doing the same work, i have and they have refunded that too. at the moment i am after a lower interest rate. would anyone like to tell me their interst rate they are paying blemain? If even one of us are successfull towards getting blemain then it will open all the doors for everyone else. i have even been told by some one who works there (who doesnt any more) on another blemain site that they are loan sharks and something about money laundering as they were unsure where money comes from. well when i go to court i am asking the press to come along as i know i will win against this company as i am registered disabled now and am in a wheelchair, lets see how discriminating againt a disabled person works for blemain. and good luck to everyone against blemain. do not send them letters send and email to karen carridice and aske her to forward onto tracey her manager. do everything by email and we will help each other.:oops:

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