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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.

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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.

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      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.
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      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 ppi


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If you check in their website you will see that they

are listed as an introducer only to the Cheshire Building Society.

 

It means that they act only as an agent/broker.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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I cannot find any reference to them being licensed for this,will

check further.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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OK this from Blemain Finance web site,

 

Consumer credit license No.6213491.

'' We are NOT authorised to offer any FINANCIAL PRODUCTS OR ADVICE''

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Amazing nearly 3K just to set up the loan, and then all the

charges on top no wonder the debt is growing faster than

you can pay it.

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Yes ask for a copy of their complaints procedure, keep a record

of it and get proof of posting.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Making a complaint and getting them to listen is trying to get blood from a stone.

 

What makes me laugh is that why are the asking for a copy of this insurance now? Should they not have done this as soon or a little while after the loan was taken out?

 

Why if it is so important would Blemain leave it a few years to request this? They claim that it may be a breach of the terms and conditions not that IT IS A BREACH.

 

I personally think that using s140 of the CCA Unfair Relationship Act that this is something that the creditor did not do.

 

Blemain should have asked for this info at the beginning of the loan.

 

You could ask them why are they requesting this now, I mean its been a few years and it did not bother them?

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Hi fettful,

What's your opinion on their credit license, not authorised to offer

financial products or advice?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I have a lot of opinions lol.........and I'd be here all night telling you.

 

I am not too sure about that but I believe that it is an unfair term that they be allowed to take out insurance on your behalf in their name. If it was that important why didn't they do it then I ask......unless they are scared of what is happening to swift and they are trying to get their act together.

 

Too late if you ask me.

Edited by frettful38
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I received a letter similar requesting that I send my insurance copy noting their name. I sent it recorded delivery and they have received it I checked. Then I get a another letter saying that if I do not send them the policy before the 15 Aug then they will have no alternative than to take steps to protect their interest by taking out a contingency policy.

 

Well they already have a legal charge on out homes, and title insurance and now they want further protection. What next? Will they want to come and sleep in our beds with us?

 

And what's with the legal jargon which is using it is against OFT Guidelines..........contigency policy?

 

Why not just write home insurance?

Edited by frettful38
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One thing is that Blemain write we MAY be in breach of the terms and conditions of the loan.

 

What I would say is first they MUST prove that we are in breach of the terms and conditions......and then ask us for a copy. They should send us clear evidence in black and white where it states that in their terms and conditions that IF WE DO NOT NOTE THEIR NAME AS AN INTEREST ON OUR HOME INSURANCE THEN THEY HAVE A RIGHT, A LEGAL RIGHT TO TAKE OUT INSURANCE ON OUR BEHALF.............

 

That information I will be requesting now before going any further and maybe everyone else who have been asked to supply a copy of their policy's.

 

The letter I received Blemain state that if they have to take out their own insurance then it will only protect them and it DOES NOT provide me with ANY PROTECTION and therefore I WILL NOT BE ABLE TO MAKE A CLAIM.

 

Now I know I am no solicitor or barrister but to me that is a very very unfair term and thing to say and do.

 

Blemain take out insurance, charge interest on top, make us pay for it, then if anything eff's up we are not allowed to do anything or claim anything. So we are having to pay 2 home insurances on our homes?

 

Do they really think that we are all from the same plannet?

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They received our docs ten days before their deadline. I think they are going to do this to everyone knowing full well a percentage will just pay up and say nothing.

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From FLA.

 

Thank you for your email my apology for not getting back to you sooner. Please be advised Blemain Finance are full members of this Association. If you have a complaint against the company please complete the FLA on-line complaint form at the following website address: www.fla.org.uk

Code Administrator

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We took out a secured loan and as a condition of getting this loan we had to take out BLEMAINS 3 year payment protection plan.

 

I am just filling in the FOS questionnaire, any help gratefully received.

Thanks

P

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do an soc too [spread sheet]

 

that lets them know you have researched it too.

 

dx

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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On the FOS questionaire it says to send it to the financial business we wish to complain about. Why dont we send it to the FOS?

 

Initial approach is always to the lender for them to investigate

 

ims

 

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I cant get the spreadsheet to work,anyone got one for single premium ppi please?

 

Hi

 

You can use this one.

 

In the list section underneath the coloured area just eneter each payment of ppi. Enter the date, a description and an amount and the interest will calculate for you. So you only need to enter data in columns A, B amd C. Then just change your personal details in the blue section at the top.

 

Regards

 

ims

 

StatIntSheet.xls

 

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Hi

 

On a single premium ppi claim, the bank's interest is included in the repayments you make. The spreadsheet adds another 8% stat interest on top of that which is what you would use as your preliminary claim and is what fos would award so the 8% doesn't need changing.

 

Regards

 

ims

 

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