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    • I repeat, the seller has the right under the CRA to repair. That is exactly what they have offered.   The OP doesn’t even know what the fault is, you cannot simply reject if a light has appeared. OP is being completely unreasonable.   The CRA is designed to be fair to both parties, it is not one sided.         
    • I only got the car 3 weeks ago, had the car serviced as it was coming up to the service date and was advised by the garage that the Tyres were illegal so I think it’s cut and dry really. The fact is I was allowed to drive a car off the forecourt with 2 bald tyres and I was told by dealer the car had been checked and surely Tyres should have been part of the check.
    • Less than 100 miles not enough miles or time to wear the Tyres enough according to the garage. I’m more angry I could have got up to a £5000 fine and 6 points, what would the dealership responsibilities be then? 
    • If the OP follows king’s advice and then the neighbour’s roof leaks, who do you think the neighbour will blame? a) the dodgy “roofers” (who will be long gone), b) the OP for “damaging a perfectly good repair” (even if they don’t damage it, and it wasn’t a good repair!), or c) someone else   King may be technically correct, but the OP following their advice isn’t likely to end well if the neighbour is already ‘difficult’. 
    • I sent a SAR. which also provided a copy of proof of ID, last month to Northumbrian Water, and received no reply whatsoever.   After the 30 day deadline passed i sent off a complaint form to the ICO and sent a letter of claim to NW for breach of statutory duty. (As up until today they had failed to respond in any way to the request that was made)   Today i received a reply saying the my ID wasn't in the standard format and they could not accept it,   (The exact same copy of ID has not been an issue before and the exact same image was accepted perfectly fine by a previous energy company i SAR'd), and that they required i give them 2 forms of I.D, 1 from list A and from List B Along with questioning the alternative address like i mentioned above.   I wanted the request to be sent to the alternate address, as i work full time and i'm not always at my home address, i'd most likely not be in at a time when it can be delivered and can't get to the delivery office easily enough before it would be returned back undelivered. (Which i wanted to avoid happening again as this happened to the last SAR i made.) The address is my partner's address, where i regularly go and who also works from home and wouldn't have issues receiving/collecting mail.
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    • My personal experiences of Future Comms 
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies

Blemain finance and charges, so confused

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6th March 2019, 15:04:PM
Hi there

My late mother has a secured loan on her property from Blemain Finance.
I vaguely remember helping her to getting a loan as I was staying with her at the time and even though the loan was secured on her house her salary wasn't enough to pay it (she was a dinner lady) so they used mine as well.
At the time mum was intending on selling her house and paying off the debts she had,
one with Skiptons for £76,000 approx. and
then the Blemain one which she got 4 years later.
I always wondered how she was able to raise finance but I guess that they had the loans secured on the house so would get their money either way no matter whether it was affordable or not.
 in Jan 2019 I received a letter from Blemain saying that they had over charged the account because of an Incorrect calculation in Building Insurance premiums and were refunding charges of £275.49. I decided to order a SAR from them which they were good about and didn't charge for and once the magnitude of paperwork came through it made for shocking reading:

Original loan was for £13,000 @ 19.3apr
120 payments of £232.69
Total payback £27,922.80
This was over a 10 year period.

They have stated that the loan to value was 40.48%

On top of the loan was a :
£995.00 brokers fee (First Trust)
£455.00 loan acceptance fee
Skipton arrears fee £481.84
therefore the loan total was
Interest rate variable @ 14.95%

Also after going through the loan even the my mother had building insurance she was charged to have Blemains buildings insurance as well.
This equalled £477.36 over the time of the loan.
I didn't think you were allowed to insure the same thing twice?

There was also:
£444.00 of arrears charges
£90.00 on visit costs
£12.00 land reg charge for copies
£5.00 for a land reg priority search
Online issuing fee £100.00
Issue os possession proceedings £40.00
Court preparation fees £59.00.

Mums mortgage with Skiptons was for £76556.43 at a payment of £400.00 per month
Blemain at £232.69 per month

Her salary without mine was £1000.00 per month plus tax credits.

Blemain also wrote to mum about £276.00 charges that they had added but hadn't notified her of back in 2013 & 2014.
They refunded the interest of this which was £47.00 in 2015 but surely that amount of charges would have put up the amount of loan thus the amount of interest chargeable for those 2 years before they refunded it back.

Sorry this is so long but I am doing my best to add as much detail as possible here.
Also for every £232.69 that was paid every month £179.37 was interest charges.

Poor mum she never had a chance.

The loan was cleared prior to mums death in 2015 when she sold her house.

The early settlement figure was £14,451.27
Repayment admin fee £195.00
Building insurance charges to settlement date £371.00
Costs and charges £1,1878.00

Total settlement amount £16,205.63

Mum struggled all the way through this loan to stay on top of the payments of £232.69 and her mortgage of £400 after adding it all up she paid off £8756.19 and then £16205.63 = £24961.82 for an original loan of £13,000.00

Gobsmacked isn't the word!
in their SAR a letter was enclosed saying that they are legally required to react or withhold certain info from the file.
they are allowed to withhold certain information from inclusion in the request.
They had also noted in their files that mum was a vulnerable person.
even though they knew and had evidence that she was dying from cancer they still charged arrears charges early repayment fee buildings insurance again and further costs and charges.

Once again sorry for the length of the post but I didn't want to leave anything out.

I think I can claim back the building insurance ? but is there anything else ?

Thank you

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if you are an executor then go get reclaiming!!



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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