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    • Most contracts are subject to the Consumer Contracts Regulations 2013 which provide that you have a cooling off period of 14 days when you make a contract online or off premises. Unfortunately there are various exemptions and insurance contracts is one of them. It's hugely unfair in my view. Obviously if the insurance cover has already started then it may well be fair – but for a contract to start and insurance cover in the future, it seems to me that there should be a right to cancel at least until the beginning of the cover. So the answer is – yes they are entitled to levy a charge although that charge has to be reasonable and to reflect their administrative losses caused by your breach of contract. £29 sounds a little bit on the steep side and you can make an issue of it if you wanted. That means that you could require them to give you a detailed breakdown as to how this reflects their administrative losses and if you felt that you disbelieve them, you could decide to issue a claim and take it to the Small Claims Court. I would say that in the event there is a very high chance that they would back down simply because it wouldn't be worth their while to defend – but you can't bank on this and it would be a risk to you.  
    • Yes please - as requested above please will you post the claim form and the judgment in pdf format
    • Hi,   I searched online for an insurance company using compare the market. Sheila's wheels came out with the best quote so I telephoned them to arrange the purchase. After I had paid out the initial amount of £70 and agreed a direct debit I then cancelled my soon to expire Insurance policy. I immediately received an email from that insurance company informing me I no longer had my no claims bonus due to an accident last June. I telephoned Shelia's Wheels to explain that I had made an error, instead of 3 (which I had put on my original agreement), I had now been informed I had none. They put the policy up by another £300, so I asked to cancel. They now want to charge me 29 pound something for cancelling. I made the mistake with the no claims bonus because compare the market keeps a record of my information & this was what was in that information about me, including the date of my accident.    Do they  have a right to charge me? My insurance would have taken effect on the 15th November 2019.   Thank you.
    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
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blemain finance ,now is together

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hi all


took out a loan with Blemain on 25/09/07 ,is due to finish 25/09/2017


£11k loan ,interest charge £11,316.77 plus brokers fee £1375 and acceptance fee £310


all together £24,001,77

agreement states 120 monthly payments of £200.02 interest rate 14.40% variable


totals £24,002,40


have never missed a monthly payment ,

only receive a yearly statement ,


going on their calculations there will be a shortfall of at least £5,000

,have received the occasional letter that they will charge the account for not issueing them with a copy of buildings insurance straight away,

admin fee is always £30.00

and insurance charge is a contingency one ,

which they never say the cost and does NOT appear on the yearly statement,


all that appears on the yearly statement is interest charge 14.40% ,


They do however state they charge interest on what they consider to be late charges ,insurance charge being one of them ,mmmmmmmmmm £5,000 of extra charges over the loan period, me thinks they make rules up as they go along


so in short guys


last payment this month ,

there will be at least a £5,000 shortfall ,

so what do i do,


the debits should stop anyway

,but they will contact me about the ridiculous shortfall ,

who do i contact about this ,am getting in a right state about this


kindest regards



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update by myself the monthly payments of £200.02 were calculated at 19.9% over 10 years ,it would appear the 14.40% interest charge is in addition to the original ie: making it a whopping 34.3 % in total,surely illegal ,how on earth do they get away with it

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Have had similar problem with another company in the same group. There a nasty company and you will need a firm of solicitors willing to take them on. Be aware they play dirty and I have had to change my solicitors twice. If you want any assistance or compare notes then I will try and assist but my hands are quite tied at the moment as my case is subject to appeal.

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Can you post a copy of the agreement taking off your personal details. They tried a similar trick with me but after notification by my barrister the claim was dropped prior to trial.

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Get reclaiming!!

Did you already have buildings ins with another lender


All the fees can be reclaimed and all the fake insurances


Sar them



please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.



Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here



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you need a clear and understandable breakdown of your account that includes all penalties, charges and add-ons, If they are saying you owe money they need to prove it

Blemain / Together is a nasty rip off company that are so embarrassed they have had to change their name to enable them to continue ripping people off.

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