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    • June Mummery, a Brexit Party MEP, has just woken up to the fact that leaving Europe gives us less control over fisheries. From her Twitter feed.   Attending the penultimate session of the #EuropeanParliament’s #FisheriesCommittee #PECHcommittee) with #BritishMEPs. The big question now is, who will be here to hold these people to account while they still control Britain’s waters, but the UK has no representation?
    • I'm afraid my response is going to be a bit more doom and gloom than my site team colleague. I'm afraid the principle of "buyer beware" is a pretty old principle and it doesn't always protect the private seller. However, I think you will have to wait and see what they come back to you about in writing. My understanding so far – as you don't even seem to know their address or who they are – is that everything has been done on the telephone. If they decide to come back at you in writing with a list of defects and am afraid we will have to look at it carefully because although you won't be particularly affected by consumer protection legislation, there are still basic rules of contract which could protect the purchaser. I'm sorry also to give a bit of a slapped wrist here, because the selling of vehicle in the circumstances without even ascertaining the identity of the purchaser and without keeping the necessary documents to inform the DVLA of the new ownership is highly irresponsible. I suppose this is going to put the frighteners on you – but you had better be aware of the possibilities. The first thing that occurs to me is that this vehicle may have been bought by a trader who was anxious not to add any more owners to the vehicle because that would reduce the value even more. Therefore you might have some fairly unscrupulous trader selling your vehicle on to another private purchaser who themselves may not properly register the vehicle so that if it attracts any parking fines or any other attention from agencies, could come back to you as you are the registered owner. You would be able to deal with this problem eventually but it would certainly be complicated. Also an extreme scenario is that the vehicle could eventually be used for unlawful purposes – and once again the registration leads back to you. I think that your daughter had better read the thread and had better take the lesson. As I have said, the use of the vehicle for some unlawful purpose is probably an extreme idea and is unlikely to happen. However, the idea that the vehicle has been bought by trader who wants to conceal the fact that it has had an additional purchaser – him/herself – is a highly possible scenario. You haven't told us anything about the vehicle – what is it, model, make, mileage, condition, price, – and also how was advertised, where was advertise, and what claims did you make for it. I do hope you don't hear anything more about this problem that you better give us all the information and if there is any fallout as a result of what your daughter is done then of course come back here and will it be very pleased to try and help you. In the meantime I would suggest that you contact DVLA and tell them that you have now parted company with the vehicle and that it is no longer yours. Even though you won't be able to give them the address of the new owner, you will be able to give them the name and you had better put it on record. I'm not sure if it's an offence not to have the details of the new owner and to pass them on to DVLA – but I would suggest anyway, that you tell DVLA. Before you start doing this though, standby for maybe one or two other people to contribute to this thread and to disagree with me. I think you need to have a range of opinions on this.   One further thing – you may be tempted simply to take the vehicle back – but unfortunately you won't be able to be certain that it is in exactly the same condition as it was when you sold it. This could give you another problem that may be if you decide to cut your losses and tell the purchaser to return the vehicle, you may not be completely happy when you receive it – and they will simply be a dispute as to what has happened to it during its absence
    • Ok , mine is  55, it's old but they were fixing these under warranty when the cars were brand new.  Aside from that the car is super reliable.
    • Can you tell us the name of the dealership please?   HB
    • Ahh ok, yup, when I sent my SAR to Natwest, they included everything going all the way back to the year 2000, Current accounts, Credit Cards everything. So be prepared for information overload.
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rogermeard

Blemain/Together strange statements worryingly!!!!!

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Hi, I have a secured loan that I got via Ocean Finance which turned out to be Blemain (now Together).

 

Amount £15k Term 180 Months

 

Taken out Jan 2007

End of term Feb 2022

 

I have always paid , no issues or missed.

Only change by me was a monthly payment date due to change of employer and salary into account.

 

I phoned the other month to change this again to a suitable date and was told I had to pay off arrears from previous change of date years ago??!!

 

They adjusted my monthly payment to cover the shortfall about £2.53 per month difference?

I didn't change the date this time either and stuck with it as per years gone by. That is it no other issues at all.

 

Happily ticking along I think great just 4 years to go,

however I had my statement today from them and it says in bold my current monthly payments will not cover the loan at end of term

 

I have paid exactly what was set out by the loan provider from start, its a 15 year loan end of surely.

 

I have paid £219.35 for 128 months and £221.98 for last 4 months and my balance is still £9105.11 which seems a lot as I only have 48 months left to go.

 

Never have I been contacted by them.

 

What is going on ?

 

Any help as this has knocked me for six.

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Apologies if this is in the wrong forum . Admin please move if it is?

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moved to the blemain forum.

 

I would suspect as with all ocean/blemain/together secured loans

you've collected numerous penalty fees because it was raining the day you paid or one of their other stupid reasons they make up for levying all manner of unfathomable fees.

that will be why its never going down now.

 

get a n sar running

get all the statements..

 

you are in for a shock me thinks..

 

but the good thing is they are aLL reclaimable


..

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Its utterly terrifying,

I have paid already over £28.5K for a £15k loan but my statement only shows about £6k paid off over 11 years!!.

 

What are they doing to my account.

 

The statement just shows contractual payment due 25 Jan 18 £219.35,

on next line it says Interest charge (14.4%) 110.60,

then next line direct debit payment 2nd Feb £221.98 etc etc for the whole statement with a running total going up and down in far right column which shows a reduction each month of £100-115 off the capital

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is it SAR to Together or Blemain, I believe Blemain are Together now are they not?

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Thanks dx100uk, so just send it to Together as that's who administers my account and are actually still Blemain?

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Do you have an update on this RogerMeard?

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probably awaiting the SAR return?

was only sent a week ago


..

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