Jump to content


  • Tweets

  • Posts

    • It is not as simple as you seem to suggest. 1. My wife needed the car and there are no local public transport facilities within 2 miles. 2 Neither of us has the technical expertise to change a battery. 3 Not only does the battery itself have to be appropriate for stop/start technology; but also, according to the handbook, has to be registered with Mini by a recognised agent, which I am not, neither is Big Motoring World. 4 The car had to be towed. Where was I going to have it towed to where I could be sure it would be properly dealt with? I couldn't trust Big Motoring World to do it. I couldn't have it towed to just any garage and be sure they had the right battery and the time to fit it. 5 The high sum involved is mainly for the diagnostic test which Big Motoring World asked me to obtain; and they did not initially raise any objection to the car being taken to the nearest main dealer. I would not have got the diagnostic test, if they had not asked for one. So, I understand where you are coming from, but having ignored requests for reimbursement, what else could I have done to recover my lay out?
    • Thank you FTMDave.  I'm happy to make your suggested changes.  I'll wait a day or 2 to see if any of the team have any other suggestions or feedback.  Do I then just email a copies to both UKPC and the court? Lookinforinfo - Unfortunately I am not sure if the signs have since been changed and cannot recall seeing any on the night as it was dark.   
    • The US confirmed it revoked licences allowing the export of some goods to Chinese tech giant.View the full article
    • I can't imagine that EVRi will want a judgement against them on this and based on this argument. I reckon you have a better than 90% chance that they will try to reach out to you before the trial date. They know that what they are doing is thoroughly wrong and dishonest and contrary to law. They are following this thread, of course – and they've already seen this witness statement. I imagine that they are scrabbling around trying to understand how they can extricate this without using too much face. I suppose they will make an offer to you which is a few quid short of your claim in order to say that they were justified in being stupid. Hold out for every penny. It's your money and you deserve it. It's not their money and they don't deserve it
    • New paragraph 47 – If you insert that – and move everything else down then I think you are good to go. Well done on going through the mill on this but it looks pretty good
  • Recommended Topics

  • Our picks

    • 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
        • Like

Old Blemain Loan Now Together finance- they are killing my chance of a REmortgage


Shamone
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 232 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

The buildings insurance is to protect the secured building in case it is damaged or destroyed.

Do I just lay down now and pay them another £15k plus whatever interest they put on top of that over the time

Link to post
Share on other sites

can you please answer my question?

 

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... 

Link to post
Share on other sites

  • 2 weeks later...

Apologies for the late reply

The issue i have now is i am looking to remortgage however because this is showing up because of the charges i will end up with a choice.

Stop the remortgage and fight them about the charges or repay them the entire charges in corporation with the remortgage and then try and pursue a claim against them to recoup what they have been paid.

Blemain Finance Secured borrowing details.pdf

Link to post
Share on other sites

On 20/10/2020 at 14:12, dx100uk said:

you say this is a secured LOAN, NOT a mortgage?

what are they doing charging you building insurance in conjunction with a secured loan?

please type out (minus anything that can ID you)

all the entries on your deeds that state blemain in them.

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... 

Link to post
Share on other sites

Nothing on the deeds, just the land registry to say there is a secured on the house.

Buildings insurance was stated in the small print as a necessary part of the loan.

 

Want is more funny is on the original loan documents i stated my wage to be £300 more than what it said on all my wage slips they received off me. They also paid some of the loan direct to the mortgage provider because were behind on our payments.

 

 The explanation of why they charged me an extra 8 years for PPI made me laugh, they stated that the PPI refund i got was for the entire period of the loan to which i received.

 

Even though i received around £4000 in ppi and the amount paid in 15 years without adding interest is well over £5,000.

Link to post
Share on other sites

a secured loan does not require building insurance, only a mortgage agreement can dictate that

nor PPI

nor any penalty / arrears letters and all the the other fees.

 

you'd do better to start a complaint with them about the mis selling of the buildings ins

 

the FOS will also go with that.

 

land registry is your deeds.

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... 

Link to post
Share on other sites

not it's the other way around

there is nothing, legally, that states they can charge it!

 

 

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... 

Link to post
Share on other sites

Would this not still all be pushed to the side,

 

i signed a contract that stated i needed buildings insurance and that they can charge me for stuff.

If the contract stated i had to give blood would i not still have to adhere to it?

 

  It would be good to know what stand point i could use in regards to the miss selling of the buildings insurance,

i understand the angle you can go with PPI however would buildings insurance not protect their investment?

 

 Apologies for all the questions i just know how hard headed and stubborn they are and if i do not have something concrete i know they will just fob me off.

 

  While on the subject of this is there any letter layouts already on this site i can use in regards to the charges which i am sure is 99% of peoples problem with Blemain on here?

Link to post
Share on other sites

a secured loan does not need building insurance.

you've been scammed.

 

you would already have that on your main mortgage anyway...

you don't need it twice!

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... 

Link to post
Share on other sites

  • 1 year later...
  • 3 weeks later...

 i went down the route of claiming the loan was missold, i took the case to the ombudsman.

After 9 months they turned around and told me that at the time of the loan Blemain were not FCA regulated and as such cannot make a decision on it.

I am now left with charges occurring interest that they are now demanding payment for.

I literally do not know what to do other than start paying them again  :(

 To say i am thoroughly dejected would be an understatement.........

Link to post
Share on other sites

  • 1 year later...

I spoke about this issue a year or so back,

i had a secured loan with Blemain who then passed it to Together who took over Blemain.

Blemain were not regulated at the time we took the loan so i could not get them looked at for selling a loan we could not pay.

The loan was paid up in full by August 2020, we were then told that because we had no insurance they had to buy insurance for our loan term, also there were charges on the account for late payments etc. This came out at over £10,000 in additional charges, we stuck our head in the mud and started to repay them at £60 a week.

I recently stopped this payment when i learned only a quarter of what we were paying was taking down the amount we owed because the interest on what we owed was over £150 a month!

I am now considering speaking to a solicitor to try and fight this as i legally dont know where we stand.

We are trying to remortgage the house but they are still on the paperwork with a interest in the house.

 

Link to post
Share on other sites

theres not alot you can do sadly all these years later.

too late for any reclaiming etc etc

threads merged

did you have building ins on your main mortgage?

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... 

Link to post
Share on other sites

looks like it.

shame you didnt answer that question 3 yrs ago when asked then you might have been in a better situation today get it paid off IMHO, its gotta be far cheaper in the long run?

 

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... 

Link to post
Share on other sites

  • dx100uk changed the title to Old Blemain Loan Now Together finance- they are killing my chance of a REmortgage
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...