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    • I have done a separate letter and form for each of the 3 debts and kind of ignored the Vodafone one for now    Thanks 
    • please refrain from posting blocks of text...use sentences and line spacing .... i notice your 1st post had been spaced and ive done your last three.... this is not facebook....its a forum. ........... it does matter how long BS takes i would cease payments now and a DCA is NOT A BAILIFF. they don't own your debts so can do NOTHING!! slow down and calm down , 4 post in 5 mins is no good. Debt management and Debt self-help - Consumer Action Group click the above link and go read a good 20+ thread in the above forum and all your questions will be answered  if you have any outstanding  then please post with them later. everything is explain in numerous thread already here for you to understand at your own pace. there is not rush to do anything today or the next 10days bar simply stop paying. though as explained in my last post, whichever way you go not pay will equal a default which will trash your credit file for 6yrs so the quicker you stop the quicker they will vanish . dx  
    • The funds were taken by eBay, rather than Paypal.  I presume Paypal collects the funds from eBay, and so eBay then sting me for the money.   But either way, before this money was taken from my account, my eBay account balance showed as -£85.  Yes, my bank account has been debited by this amount. eBay say that they are completely removed from the chargeback process, because it is carried out by the buyer's financial institution.  So, conveniently, they cannot help, other than by refunding the chargeback fee of £14. 
    • Perfect, thanks for the detailed response. One question, do you know how long it takes for the breathing space to get applied? Say for example I have payments due in 4 days and I apply today how does that work? Also, sorry for sounding stupid but what do you mean by default once the breathing space is in place? I mean what does "Default" mean.  After the breathing space is over and I wanted more time, what would happen? I can and will afford the payments after a few months but I just need that breather to sort some stuff out, as I have said I have never missed a payment. Sorry for the many replies but after doing a quick search, correct me if I am wrong. If it then does go into default and it goes to a collection agency am I right in saying they will send many letters and they may consider a claim? and I should only response if an official MoneyClaim is made? Also, If it does go into default does this severely affect my credit score? or will this only be in the case if a CCJ is applied.
    • there isn't one yet use the default mentioned already there. that covers all 3 debts as i assume the PAPLOC is for all 3 debts? dx  
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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Government signals commitment to improving bus access for wheelchair users


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Government signals commitment to improving bus access for wheelchair users

 

Government accepts expert legal recommendations aimed at ensuring that wheelchair users can access bus services.

 

New measures to ensure that wheelchair users can safely access on-board wheelchair spaces on buses will be introduced by the government.

 

This follows a Supreme Court judgment last year concerning the ‘reasonable adjustments’ which bus operators should provide for passengers in wheelchairs, and will be aimed at challenging the barriers still faced by some people with disabilities when using bus services.

 

Today (8 March 2018) the Department for Transport announced that it will begin developing proposals to ensure that wheelchair users can access buses and that drivers can fulfil the duties given to them by the courts.

 

READ MORE HERE: https://www.gov.uk/government/news/government-signals-commitment-to-improving-bus-access-for-wheelchair-users

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  • 3 months later...

This is good news. Whilst I've never personally experienced someone who doesn't need it refusing to give up a wheelchair space, I know that it does happen and quite often the bus driver, sometimes under pressure from other passengers to continue the journey as quickly as possible, is apparently unable to do anything about it.

 

My biggest issue is often actually getting on to the bus - the sinking feeling when you see someone else in a wheelchair already queuing and you know there's only one space on this hourly service and the often protracted manoeuvres to get into the space once on the bus, plus the sighs of other passengers at the time involved in the driver putting the ramp out and then putting it away again before he can carry on.

 

However the railways shouldn't feel complacent. Only last week I held the train up for more than 10 minutes whilst station staff attempted to get me on board, involving at least 30 people having to get off the vastly over-crowded service and a lot of luggage being temporarily relocated to the toilet just so I could reach the space, and even then the guard ended up physically lifting the back of my chair into place because there simply wasn't enough room to manoeuvre without removing more passengers and luggage. Of course there was one person who seemed to blame me personally for the inconvenience though most simply blamed 'Chris Failing' to quote the guard.

 

I think everyone in charge of public transport should be made to do at least one journey in a wheelchair just to experience how difficult it can be.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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I do find it strange in our "developed" country how difficult it is to use a wheelchair or mobility scooter on public transport. To use the train at Malaga Airport a ramp automatically comes out and you can drive a mobility scooter straight on or off. The majority of their buses are similar - don't forget the bus driver can see as he approaches if he needs to deploy the ramp and/or its kneeling function. Whilst a lot of the newer vehicles in this country are adapted a lot of the older ones are not. Catching a train here is fraught with difficulty even if you have asked for assistance as you don't always get it and are left to struggle on your own.

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I am extremely reluctant to use any train that is driver only because booked assistance so often fails to turn up.

 

When I had to use London Overground earlier this year, on a train with no guard and going to an unmanned station, I actually researched which was the next station that was manned and where I could (hopefully) get off and demand that they pay my taxi fare back to where I wanted to be. Luckily, it all went smoothly that time but I doubt I'll ever be confident in that situation and it is reflected in which journeys I am prepared to attempt.

 

As for the Underground - never!

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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I am extremely reluctant to use any train that is driver only because booked assistance so often fails to turn up. Worst station - Manchester Piccadilly, best so far Newcastle Central/Edinburgh Waverley/Kings Cross

 

When I had to use London Overground earlier this year, on a train with no guard and going to an unmanned station, I actually researched which was the next station that was manned and where I could (hopefully) get off and demand that they pay my taxi fare back to where I wanted to be. Luckily, it all went smoothly that time but I doubt I'll ever be confident in that situation and it is reflected in which journeys I am prepared to attempt.

 

As for the Underground - never!

 

 

For London always used black cabs. Must point out it wasn't me that needed the help it was my other half.

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