Blemain Finance

[lindybee]

Re: Blemain Finance

This link will explain
http://www.oft.gov.uk/shared_oft/bus...dit/oft140.pdf

Error - page not found

We have recently updated our website and the page you have requested may have been moved or archived.
Please return to our home page to find the information you are looking for or press the 'back' button on your browser to return to the previously viewed page.

grrrrr....I'l try the longer approach!

[gallahad]

Re: Blemain Finance

This link will explain
http://www.oft.gov.uk/shared_oft/bus...dit/oft140.pdf

[lindybee]

Re: Blemain Finance

Hi AC I regret to say that Blemains Loans are unregulated therefore that OFT advice does not apply.
G

How can you tell if your loan is regulated or not? can't find anything in my agreement which says yes or no.
It meantions Blemain's CCTA license but that is all.

[gallahad]

Re: Blemain Finance

http://www.oft.gov.uk/about-the-oft/...stcontractinfo

Hi AC I regret to say that Blemains Loans are unregulated therefore that OFT advice does not apply.
G

[lindybee]

Re: Blemain Finance

Hands over ears folks for the silence will be quite deafening
G

Well they ofered to help, so I've given them the opportunity, can't say fairer than that
I think given all our past experiences though, you are probably right!
(Shall we have a beagle sweepstake on how long for a reply to come back?)

L.

[Angry Cat]

Re: Blemain Finance

http://www.oft.gov.uk/about-the-oft/...stcontractinfo

[gallahad]

Re: Blemain Finance

Hands over ears folks for the silence will be quite deafening
G

[lindybee]

Re: Blemain Finance

Lindybee,

Thanks for offering us the opportunity to answer some of your concerns.

Data Protection laws prevent us from discussing anything specifically relating to your account on a public forum, but we would really like to help resolve some of the concerns you have.

edit

Kind regards,

Customer relations, Blemain Finance

Buildings Insurance:
Please can you give a possible explanation as to why so many customers have sent in their buildings insurance documents to yourselves, only to be told later that you have not received it?
When the value of the loan is only a very small proportion of the house value, why do you need to be named as an interested party, given that you are already named as such on the title deeds to the property?
Re; block building insurance taken out by yourselves on our properties,
· Where we already have insurance this then means there are 2 insurance policies held on the property. Is this legal and would both policies be valid for claims and pay-out should a claim need to be made?
· Why is the cost of the block policy you use far in excess of our own full buildings plus contents insurance?
· To what do the two charges “block insurance” and “buildings insurance block charge” refer?

(I'm sure there are more to add, but hope this will be a useful starting point!)

Lindy

[lindybee]

Re: Blemain Finance

Hi Lindy,

I hope you don’t mind me replying on your thread – I’m writing from the customer relations team at Blemain Finance. We just wanted to apologise for some of the problems you’ve been having and to see if we can help to sort them out for you

Read more at: Blemain Finance - Page 4 - Legal Beagles Consumer Forum

Here are some general questions which I'm sure Blemain can answer without any infringements;
Statements and Agreements:
Since it’s mandatory under the CCA to send out a minimum of an annual statement, why do you not do this for all your customers?
Re: the fees stated on the credit agreement, what is the difference between “interest charge” and “total charge for credit”?
On the statement to what exactly does the figure “Balance of unpaid fees” refer and how can customers find out exactly which fees have been levied, the date levied, and also for what reason the fees were imposed?
Where changes occur resulting in our monthly payment becoming less than the monthly interest charges, why are we not notified either in advance or immediately this occurs?
(I have more but wil seperate the topics for ease of reply.)
Lindy

[Angry Cat]

Re: Blemain Finance

Application / Licence Details




Licence Number:0032328
Licence Status:Current

Current Applicant / Licensee:

Business NameCompany Registration NumberBlemain Finance Limited1185052

Categories:

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

Right To Canvass Off Trade Premises:No


Trading Name(s) (Current):

Blemain Blemain Finance Blemain Finance Direct Direct Finance

Issued Date: 24-Oct-1980
Expiry Date: 09-May-2011


Legal Formation:

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

NamePositionAdrian Joseph GrantOFFICERGary Bailey Gary Beckett Henry Neville MoserOFFICERMr Marc Richard GoldbergOFFICERStephen Baker Tracey BaileyOFFICER

Historic Individuals that run the organisation:

NamePositionChristopher William HackingOFFICERColin John PunshonOFFICERDavid John SeabridgeOFFICERGary Derek BeckettOFFICERJohn Edward SmithOFFICERMartin Basil RichardsOFFICERMatthew John RidleyOFFICERMr Barrie Stephen PollockOFFICERMs Rosalind Brenda MoserOFFICER

Nature of Business:

Credit Brokers

Current Address(es):

Address TypeAddressCorrespondenceBracken House, Charles Street, Manchester Central, Manchester, Greater Manchester, M1 7BDPrincipal Place Of BusinessBracken House, Charles Street, Manchester Central, Manchester, Greater Manchester, M1 7BDRegistered OfficeBracken House, Charles Street, Manchester Central, Manchester, Greater Manchester, M1 7BD

Historic Address(es):

Address TypeAddressCorrespondence1st Floor Sedgewick House, Henry Street, Manchester, M4 5BDPrincipal Place Of Business1st Floor Sedgewick House, Henry Street, Manchester, M4 5BDPrincipal Place Of Business1st Floor Sedgewick Mill, Redhill St, Ancoats, Manchester, M4Principal Place Of Business2nd Floor Royal Mill, Redhill St, Manchester, M4 5BDRegistered OfficeSmith Forshaw Chart Acc, Midland Bank Chbrs Redhill St, Manchester, M4 5BHRegistered OfficeSmith Partnership 3, Ralli Courts, West Riverside, Manchester, M3 5FT

[lindybee]

Re: Blemain Finance

Following changes in the consumer credit act in 2008, all companys should be giving customers at least one annual statement, details of fee charges and complaints procedure.
I found these links on Blemain's web-site today, so they do apparently have the systems in place, it just seems that a lot of their customers are not receiving the information for whatever reason.
http://www.blemainfinance.co.uk/customerservice/Statement_Guide.html

http://www.blemainfinance.co.uk/customerservice/Statement_FAQ.html

http://www.blemainfinance.co.uk/customerservice/Blemain%20Finance%20Tariff%20May'10%20-%20BLF0403.pdf

http://www.blemainfinance.co.uk/customerservice/BLF0429%20Complaints%20Handling%20Leaflet_web.pdf
Now just how simple would it have been for Blemain to post that on here instead of me?!!! Except of course those of us who have never seen them will now have the information!

Does any-one know if this is correct for Blemain?
FSA Registration Number: 415689.
L
------------------------------- merged -------------------------------
I posted this on my other thread, but it may be useful on this one too. Its a no win no fee claims company who have a specific page for Blemain.

http://ppclaims.com/BlemainFinance?gclid=CIz5q9PZ56cCFcod4QodgSxjbg
L.

[lindybee]

Re: Blemain Finance

Blemain Finance, I haven't received a PM from you requesting permission to post, although I haven't yet check with the other Admin as yet. It's just good protocol, I'm sure you can understand that your customers who post anonymously on forums with issues with the company are doing so after having tried dealing direct with the company and getting nowhere, and wish to remain anonymous.

It would be much better, rather than posting on forums to try boosting the company image by resolving the odd customers issue, if your company acted properly to begin with so customers didn't have the need to post on forums trying to find answers. You are quite welcome to post general advice and if you wish explain a bit about your business model, it would be nice if you could explain your companies policy on some of the issues customers raise across the forums. Many of the issues are those that arise again and again and can be discussed referring to your general form contracts and policies which needn't identify particular customers.

Please refrain from posting direct contact details on the forum, unless general contact details, as specifics carry the potential risk of identifying posters.

Thank you.


Lindybee, I think because you have posted quite specifically about your own case it is difficult for Blemain to respond without breaching Data Protection, and you need to ask any questions in more general terms to get answers publicly for your own and others benefit.




Guess you're just lucky :tinysmile_aha_t:


Ame
xx

p.s. Nats, the private forum area idea would be a No btw xx

Thanks Amethyst, I'll format some general and more direct questions. I gave the details of what has been affecting me, to try to highlight my concerns. I now know many have had similar problems. We found more today on other forums linked to Blemain. Here are some links:

http://forums.moneysavingexpert.com/showthread.php?t=2016157

http://forums.moneysavingexpert.com/showthread.php?t=2016157

http://forums.moneysavingexpert.com/...php?p=27181459
One of them (can't remember which) has a post from an ex-employee of Blemain which is v. interesting.


And here is a company which deals with no win no fee claims and has a specific page for Blemain Finance if any-one is interested?


http://ppclaims.com/BlemainFinance?gclid=CIz5q9PZ56cCFcod4QodgSxjbg

[Amethyst]

Re: Blemain Finance

Blemain Finance, I haven't received a PM from you requesting permission to post, although I haven't yet check with the other Admin as yet. It's just good protocol, I'm sure you can understand that your customers who post anonymously on forums with issues with the company are doing so after having tried dealing direct with the company and getting nowhere, and wish to remain anonymous.

It would be much better, rather than posting on forums to try boosting the company image by resolving the odd customers issue, if your company acted properly to begin with so customers didn't have the need to post on forums trying to find answers. You are quite welcome to post general advice and if you wish explain a bit about your business model, it would be nice if you could explain your companies policy on some of the issues customers raise across the forums. Many of the issues are those that arise again and again and can be discussed referring to your general form contracts and policies which needn't identify particular customers.

Please refrain from posting direct contact details on the forum, unless general contact details, as specifics carry the potential risk of identifying posters.

Thank you.


Lindybee, I think because you have posted quite specifically about your own case it is difficult for Blemain to respond without breaching Data Protection, and you need to ask any questions in more general terms to get answers publicly for your own and others benefit.

Has any-one else had a response from them on here or was it just lucky timing on my part?eace:

Guess you're just lucky :tinysmile_aha_t:


Ame
xx

p.s. Nats, the private forum area idea would be a No btw xx

[leclerc]

Re: Blemain Finance

Lindybee,

Thanks for offering us the opportunity to answer some of your concerns.

Data Protection laws prevent us from discussing anything specifically relating to your account on a public forum, but we would really like to help resolve some of the concerns you have.
You are not allowed to identify them or their location to us however from the information give you can respond or perhaps could ask Admin for a private area within the forum where that issue could be dealt with, without the prying eyes of all the forum users. Private Message Amethyst/Tools/Cetelco/Celestine
If you wouldn't mind calling us directly on edit, we will do everything we can to sort out the problems you've been having. You have asked for the name of a specific individual to speak with, so please xxxxxxxxx when calling.

Kind regards,
Customer relations, Blemain Finance

See above.

[charitynjw]

Re: Blemain Finance

Hi Customer relations, Blemain Finance,

The DPA doesn't stop you from answering in general terms, only if you identify a living person.
Lots of people are eagerly awaiting your response!