Hello All. I have a CCJ which was registered in November 2009 and satisfied in June 2012. I have been waiting since 4th January 2014 for a letter of satisfaction from Bryan Carter Solicitors. I phoned them today and they say they are still waiting for Co-op to validate the evidence I sent in. Apparently, they will contact Co-op but cannot tell me how much longer it might take. Does anybody have any advice about what I should do next? Many Thanks, Tenant_B

So i've purchased a 2nd hand BMW320i from a dealer. All was good until recently the car starts jerking violently. Ive sent it to KWIT- FIT and they couldnt find where the problem is, hence they advise me to bring it to the BMW manufacture. After the diagnostic test, they quoted me a 1600pounds replacement fee!!!!! The car was 5xxx pounds. Ive purchased it in october, and drove less than 3000miles. I've also tried to call the dealer but they refuse to take up any responsibility. The BMW manufacture told me the ABS wheel sensor for both rears and the rear drive shaft was corroded. I would like to get some advise as to what i should do!!!i am just a student and this replacement fee is a HUGE burden for me P.S: isit normal for the Rear wheel sensor or the Reer shaft to get corrosion? As its the interior of the car, could there be any other possible reasons leading to the corrosion?

Hi all! I'll try and keep this short! Basically, I started my job 23 months ago. At first all was fine (isn't it always?) However, over time, various issues relating to the general management of the company, mid-management appointments, etc, started to cause me concern. Over the last year I have felt it necessary to point out certain things, to both fellow employees and my superiors. Even though this has been very minor, and just comments made, I think they now see me as "disruptive", maybe? Anyway, to the point. In mid December, a guy who was supposed to be the manager of the project I'm working on was basically wasting my time (again!). I was flustered, under pressure, etc, and, being honest, I was exasperated by him, so I told him to "f-off". He told me "you f-off", to which I responded "f-off back to Iran". Now 20 minutes earlier, me and a colleague had been discussing the guys unsuitability for the position, and how he was basically an Iranian national who was (so we've been led to believe) a journalist / blogger. Not an engineer. I was basically saying to him to "get out of my hair and go back to what you are best at", sort-of-thing. He walked out of the room and there were no further exchanges. A few days later, I was given a letter saying that there will be a disciplinary hearing early in the new year, about my racist remark. Immediately following this, I went to see the guy, asked if he had lodged an official complaint (he hadn't, apparently), we shook hand, we're fine with each other, and have moved on. The management (fyi, the dad is the owner, his partner is another director, and his daughter, in her mid 20-s, with no qualifications/ workplace / managerial experience, is a director and my immediate boss, I think?) have decided to go for the full disciplinary hearing route. As there have been several incidents between other staff, including the senior management, including what could be classed as violent conduct, and no hearings have been deemed necessary for those, I feel I am being victimised. The "proper" route to sort the issue would obviously have been to sit myself down with the daughter and the Iranian guy, talk through the events, stress that my comment was not acceptable, etc, made sure that the two of us were cool, and that there would be no repeat, and move on..... All very simple, informal. This process was not followed, however, so basically I think they don't want me there anymore (for whatever reasons). The project has been completed: they could have made me redundant instead? My feeling is that they are going to sack me next week, and basically, do I have any rights? I mean, it is blatantly obvious that they are trying to get me out, and the fact they have made me feel as unwelcome as possible in the lead-up to xmas, and yesterday suspended me on full pay till the hearing on Friday just reinforced this. The shop floor culture is one where swearing is commonplace (the daughter is probably the worst offender), so it cannot be said there is "zero tolerance", etc. I have had no informal or formal meetings about racism, my general performance, insubordination, etc, during my time there. They may issue me with a written / final written warning (which I could accept), but I feel they're going to fire me. Do you think this is right, can they get away with it, and what can I do about it if they Do fire me. Sorry for going on, but its a crappy situation.. Any advise welcomed.

Hi there, Help! Scary letter arrived in the post HMRC Debt Management telling me that there was a judgement passed against me to pay tax immediately as well as court costs. I have only lived in the UK for 11 months and have yet to submit my first Self-assessment. Background: - Moved to the UK from South Africa in Feb 2014 started my own limited company - In 2007 I flew from South Africa to Isle of Man where I did temp work for one month before returning to South Africa. - Used my Isle of Man NINO to register my company however the VAT office would not accept that NINO. So my accountant queried it and was informed by National Insurance office of my UK NINO. Different from my IoM NINO. - Registered successfully for VAT and then applied for UTR with my newly found NINO. To date I have not received response about my application. - Shortly after apply for UTR the National Insurance sent me a letter asking for Self-employed Class 2 contribution. BUT I am not self-employed. I am a director of a Limited Company. Big difference. Key to note here too, after opening the letter I noticed that my middle name was wrong too! Letter sent saying I am not self-employed and have only worked in the UK less than a year and also that is not my name. No response yet. - Second letter this time from HMRC saying they have Self-Assessment statement for £15000 against my NINO number. They also included a reference number I am assuming they think is my UTR number. I think not because again my middle name on the letter is wrong. Phone call and a letter sent to them saying this is not me but this is my NINO number. The lady at HMRC had no idea what is wrong. I have a letter saying it is being reviewed by their technical team. - Which brings me to the scary letter from Debt Management saying there was a court case against me and judgement made to pay tax and court fees from 2010. I was not in the country. I was blowing vuvuzela in a stadium in Johannesburg never thinking I would move to Blighty! I have never live in this country before 2014. - Phoned the Debt Management and they swear blind that I owe this money but ask me if I work in construction as self-employed. I am an IT consultant. They asked if I lived at and address in Somerset. Where is that I say! They asked if my partner was a Mr Goodman. Never heard of him. I have sent letters to National Insurance Office, HMRC SA and Debt Management. I have still not got my own UTR as they fail to respond so I will be missing my first Self-assessment deadline on the 31st of January. The UK's HMRC is pathetic. South Africa's revenue authority is amazing and makes HMRC look like a badly run Zoo. Vent over. Any advice folks? Restore my hope in the good nation of Great Britain. Regards

Hi everyone Just looking for some advice really Rented a property for four years Me and the missus decided to move We no longer had any contact details for the landlord so we contacted the estate agents through email The said just email over a months notice that were leaving and they would forward it to the landlord We moved out on Friday not hearing anything from the landlord Having not heard anything from them in the four years we lived there I assumed they had retired abroad This evening my parents receive a ****ty phone call from the landlord saying we had left the property without giving notice and that we owe them a months rent (My parents where guarantors) The landlord left a contact number so I text saying I had given notice with the estate agents and they said they would contact them as I no longer had contact details for them The landlord has come back with that because I didn't give a months notice I will need to pay rent for another month until January fifth. My response has been that I used all reasonable means to give notice and would be happy to provide all email correspondants with the estate agents. She is insisting that I owe another month. So where do I stand please?

Hi, I can't sleep for worrying about this even though I'm exhausted! I was interviewed by a revenue protection officer on board a train in London in the middle of September, who suspected me of fare dodging. He interviewed me under caution, placed me under arrest and said that my case was being referred to the prosecutions department of the train company for consideration. I still haven't heard back from them and am worried they have sent me a letter which has got lost in the post. Is it normal to wait so long? The RPI had said it would take about 6 weeks for the train operating company (TOC) to contact me. I was travelling from south east London to East Croydon via London Bridge. I had a season ticket from my local station to London Bridge but no ticket for the onward journey to Croydon, which I had planned to buy at London Bridge. As it turned out, I was in a rush, the Croydon train turned up within two minutes of me disembarking from the inbound train, and I jumped on it thinking - mistakenly - that I could pay the difference on board or at the other end. Honestly! I was not until recently a regular train user as I had private transport to commute to and from work and have in the past paid on board trains for tickets, so genuinely did not realise I was committing an offence at the time, and it was never my intention to dodge a fare. I'm a reasonably well-paid professional person with no criminal record, so why would I want to jeopardise my good reputation and future career prospects over a fare of a few pounds? When the guard came round I said I needed to pay him a fare and asked if I could pay him the difference on my existing season ticket but he said he was issuing me with a penalty fare. I thought this was unfair and refused to pay it. It gets worse. I then told him why I thought this was unfair and that I had offered to pay him the regular fare. I felt I was being unjustly criminalised. Then I refused to give him my name and address when asked because I felt frightened of him. (He was a big, scary guy, which I accept is no excuse or defence, but I suffer from an anxiety disorder, was under a great deal of stress and behaved irrationally.) When told I faced prosecution and was being arrested, I said I would pay the penalty fare - twice - but the RPI said he could not take a payment from me, and did not say why. I also gave him my name and address. On the train the guard suggested I had given the wrong address because he rang a help desk, which told him I was not registered at the address given. But I am! I realise now that my lack of co-operation was a big mistake and I have accepted that I will be prosecuted. I wrote the TOC a letter straight away which I sent by special delivery, and emailed them, providing documentary evidence and a copy of my season ticket and Oyster card, as requested by them. But, three months on, I want to know if I should contact the TOC to check they have not already written to me? I do not want to find out further down the line that I was convicted in court in my absence because I did not receive their correspondence. More about the incident: When the guard arrested me on the platform at Croydon, I panicked and rang the police, telling them I was being detained by an unauthorised person. A police officer attended and supervised my interview with the guard at my request. Before the police turned up a fellow passenger intervened on my behalf, saying to the guard that he was shouting at me, and bullying and intimidating me, that he was a big guy and I was a woman, and the way he was treating me was inappropriate. The two men ended up arguing vigorously. The fellow passenger finally left, but refused to give me his contact details when i asked if he would be a witness. I gave him mine but he never contacted me. In my letter to the TOC I asked them to look at the CCTV on the platform, which would confirm my story about the passenger's intervention on my behalf. I also asked that the footage be made available in the event of prosecution which would show the two men clearly arguing. I don't want a criminal record but accept I may end up with one, which I believe stands for 5 years before I no longer have to declare it to employers. Could someone confirm this please? This would affect my employment and may even result in job loss. I am also an Australian and British citizen and fear it may adversely affect my right to re-enter Australia. As well as outlining all of the above, I said in my letter that I regretted the way in which the situation had escalated, that it was a genuine mistake that would never be repeated and that I would like to pay the penalty fare plus additional administrative costs. I also explained that in the past four months I had moved house, that the vehicle that I used to get to work was stolen, had had a brain aneurysm diagnosed and was presently being investigated for lung cancer. All of which possibly contributed to my unhelpful reaction to the guard. I supplied documentary evidence to back up all of this and gave the TOC permission to contact any of the relevant authorities to check the documents' authenticity, should they wish to do so. I also enclosed a letter from the council confirming my address (given to the guard) and a letter from a psychologist confirming that I had received cognitive behavioural therapy for anxiety. I had a lawyer look over my letter before I sent it to the TOC. He recommended a barrister, should the matter proceed, and I will take his advice and hire the barrister if I receive a summons. The question is, should I contact the TOC to ask why I have not heard from them? The solicitor I saw told me that the TOC must bring a prosecution within 6 months of the offence, otherwise they are not allowed to pursue the matter further. I realise NOW that I was in the wrong on the train - I just didn't realise it at the time, which I realise (now) is no defence. Any advice would be greatly appreciated. Thanks for reading this far.

i received a letter yesterday with a court date for me to attend regearding a van i sold to my cousin, the logbook was sent off to the dvlas address but i cant find the proof of postage. To cut a long story short a couple of months after i sorned the van, my cousin purchased it from me and like a fool left if parked on the road while he was sorting it out for the mot. It was clamped and removed and he signed paperwork to release the van to the impound yard, as he couldnt afford the release fees stating that he was the present owner and waiting for the log book to arrive. He has also contacted the dvla to the same effect. Where do i go from here my cousin has already agreed to come to court with me and is trying to dig out the paperwork that states he owned it at the time. Not really sure what to do as ive never had a problem with the dvla before any help will be appreciated thanks

Hi all, Back in early Dec 2013, I received a PCN from UKCPM Ltd. I was parked in an private office car park, in a space that had been allocated to me by the space holder for the day. I was working in their offices in the multi tenant building. The space is their's under their lease agreement and they told me to park there for the day - I can prove this as I have 2 emails from the office manager advising me to do this. I left my business card on my dashboard, clearly displayed, in case anyone wanted to query it etc. Several hours later I glanced out the window and saw a guy get out of a branded Smart car and put something on my car, I went out and asked what he was doing; he said (in broken english with a strong east european accent) - I was parked without a permit, therefore I had to pay a fine. I advised I had permission and could prove it, he wasn't interested and continued to put the PCN on my car and take pictures etc. I ignored the PCN, thought I'd just wait and see what happened. End of Jan, I receive a Notice to Keeper Formal Demand from UKCPM Ltd, advising that as the registered keeper of the vehicle I had to either advise the driver's name & address or pay £100 charge for "Not displaying a valid permit" - Discount payment period has expired. Several weeks later I decided to write a letter to UKCPM - I was happy to ignore, but the wife is a panicker!!! I wrote as the registered keeper of the vehicle, did not admit to being the driver or anything else. I stated the car was parked with consent of the space holder, and that their operative was advised of this at the time. I also stated that as far as I was concerned the matter was therefore closed and no further correspondence would be entered into. Also if they (or their agents etc etc) did contact me again, I would levy a £500 harassment charge per letter against UKCPM Ltd & its named Directors via the courts. Mid March I received a letter from DRP, Demand for Payment of an unpaid parking charge £149, deadline to pay 27th March. Today (2nd April) I received from DRP a notice of intended court action - unpaid parking charge £149.00, deadline to pay 14th April 2014 or will be passed to creditors solicitor with recommendation to commence court action. My intention is to continue to ignore this, and see what happens.... The sign in the car park (picture attached) reads: Private property Unauthorised parking or parking a vehicle in a area or space that has not been designated to you may result in your vehicle receiving parking charge notice. Enforcement in operation 24 hrs Permits must be clearly displayed in windscreen at all times Terms of parking without permission blah blah blah. MY ARGUMENT: I had permission from the space holder, I have advised UK CPM of this twice. Their sign states that only parking without authorisation or in an undesignated space will result in a PCN - I had authority and was in the space designated to me by the space leasee. Their sign does not state that failure to display a permit will result in a PCN - the PCN has been issued as Contravention - Not Displaying a Vaild permit AM I RIGHT TO CONTINUE THIS ARGUMENT, SIT BACK AND WAIT ETC.....?? Any advice gratefully received

I put in a claim for ESA in November 2013 for Chronic Pain, Chronic Fatigue, IBS, Chronic Asthma and other issues, over the last few months I've also been diagnosed with Fibromyalgia and COPD. I filled in a very thorough ESA50 and sent a lot of medical evidence with it and stated sections 29 and 35 stating it would be a risk to my mental and physical health if I was found not to have a limited capacity to work after a WCA. I also requested that if I had to have an assessment then I wanted it at home and recorded. Haven't heard anything, I have complained to ATOS who said it would be passed onto the customer relations manager or something, my MP contacted the DWP and was basically fobbed off. My Asthma Nurse and Respiratory Consultant say I shouldn't even have an assessment. Can I send in more evidence? If I get some more supporting letters from my Asthma Nurse and Respiratory Consultant is there any chance that this could prevent me from having an assessment? I do have copies of two letters from my respiratory consultant already but waiting for another one to arrive. My main concern though is the fact it' nearly 10 months now and II've not heard anything. Does anyone have any email addresses for the DWP or ATOS where I can send them more evidence? I don't trust them to get it by post even via recorded delivery, too much stuff seems to go missing. Thank you for your time.

Hi all I had a PCN from PE March 2013 and sent a letter built from advice on forums asking for a POPLA appeals code. I got nothing back until 2 days ago when I got a letter threatening court action unless I pay up. Is there a statute of limitations with this? Is there an easy way of telling them they are too late or do I have to follow the process to continue to rebuff their claim? Thanks for any advice! Simon

Hi there, I would appreciate help and advice on the following matter (please see below). For over three months now, I have lost signal at my work place. I am unable to receive or make calls from my mobile phone. This is not only frustrating but is very disruptive. This problem with the loss of signal has only occurred recently as I used to get full signal on my mobile phone for the last 7 years that I have worked here. I have now phoned many times and have also written a formal complaint letter to Vodafone. To summarise, Vodafone has confirmed that they are having issues in the area which is affecting phone signal and are not be able to give me an exact timescale as to when the issue will be rectified. I am not in the position to wait indefinitely for Vodafone to rectify their issues. From my point of view, I have been paying for a contract for which service has not been provided. With this, I have asked for my contract to be terminated however have received a reply saying I will be charged an early termination fees of £193.00. If Vodafone are unable to provide me with a service, surely they should provide a refund on my monthly bills that I have paid for the months that I have not been able to use their service, and to waive the early termination fees of £193.00 so I can move to another provider? Has anybody else been in a similar situation? What is your advice please? I have also emailed Lee [#8437881] - but have had no response. Thanks in advance for your help/advice.

On March the 8th I bought a used 2003 Audi with 90k miles on the clock for £7500 with £5000 on finance. I've had a couple of issues in the past 4.5 months but being a reasonable chap they were nothing I wouldn't expect in an 11 year old car with 90k miles. However on Thursday it developed a rattle which my mechanic has diagnosed as timing tensioner failure. If this is not fixed it will lead to catastrophic engine failure. The timing system is supposed to last the life of the engine but clearly it has failed long before it's time. My mechanic has advised that to remedy the fault will be around £3500 and the engine needs to come out. I think I have a claim here but is it with the dealer or the finance company? Thanks!

My job is in the public service for nearly 20 Years. The last two years has worsened, cutbacks, blame, toxic atmosphere, confusion. The last Year has been hell, since my new Manager arrived. I see think she is an autocratic perfectionist who focuses on the negative aspects in people performance, including me, who make a few errors under the pressure of our jobs ( though she has her favourite‘pupils’ ), whilst she side lines the positive bigger picture. Praise, when it comes feels shallow / awkward. We are all facing the Performance Improvement Plan if our standards don’t improve. I see this as a threat and not a tool to really improve my performance. I look at some of my feedback / performance and realise that I often perform at 100% accuracy and quality. Occasionally, my performance dips and it is this that she targets as a complete failure and sees it as a personal failing rather than the lack of training and poor procedures in place. Recently, exit packages were announced for June next Year and I have volunteered, awaiting decision soon. I’m 53 Years old. Fortunately I have paid my mortgage. No debts and have saved 5 Years’ worth of salary and no dependants. It’s not enough to retire on because I still hope to have Years ahead of me in some kind of work. I have not had sick leave in 4 years but I’m stressed to the hilt and need to leave and live my life without this mindless blame culture / poison. I want to leave now but obviously there will be no payoff and future employers may be curious. If I endure this for the next 7 Months, I might get the payoff or they could sack me for incapability within three Months which wouldn’t look good. Either way, my health will suffer further. My union wants to fight this but not sure that I want to drag it out. I just wish they would pay be off now to avoid the time wasting and expense of an improvement plan which is flawed. I’m interested to here from anyone with a similar experience or for your thoughts. Many thanks:!:

evening hope somebody can give me some advice to put my mind at rest, came home from work and there was a open letter in a envelope that says High court enforcement by hand urgent removal of goods pushed through my door inside letter high court form no55 notice of seizure the name on it is my soon to be ex husband he hasnt lived here for 5 months please can somebody advice me what to do? thank you in advance

Hi all, I wonder if anyone can confirm or deny this please. I bought a Nikon camera on 22 July 2014, everything was great until last week (27th Oct) when we were on holiday, the camera would turn on and all functions worked fine except there was nothing on the screen when taking photos and all photos taken were solid black, similar to having the lens cover in place - but it wasn't. Upon returning from holiday I searched for the receipt in order to return it to our local Argos store, whilst I found everything else - box, instructions, CD etc I could not locate the receipt. Luckily (or so I thought) I had paid for it via my Argos card, so I printed off the statement showing the date although the price was more than the camera as I also made other purchases at the same time, I also printed emails I had received showing my reservation details. I took all the paperwork and box etc to my local store, the store manager stated that as it was a Nikon it *must* be sent away for repair and for that to happen I *must* provide a receipt! Because I had purchased the camera at another store my local store could not pull up a copy of the receipt and after disappearing for 20 minutes he returned to state he could not get through to the other store for them to fax a copy through but he had an alternative on this occasion..... He would replace it with one from stock! Excellent I thought, but then came the kicker - there where none in stock within a 60 mile radius, I showed him on my phone that whilst they didn't have the same colour in stock they actually had one of a different colour - exactly the same camera, specs, accessories etc just black and not purple. For this he wanted another £20 as it was priced at £20 more (£119.99) than I had paid (£99.99) (the web page for the new black model did state that the camera had been sold for the lower price of £99.99 in the previous 6 months so this in essence was a price increase). I was left with either paying the £20 or spending the around same amount in fuel to make the 120 mile round trip to pick up one of the same colour. To make things more confusing he stated the original purple colour camera was actually now priced at £84.99, when I asked if I would receive a refund of the difference he laughed....so it's ok to charge me more when the price had increased but not refund when the price had decreased, win win for Argos. Normally I would just take the hit but something about the managers smug attitude really got my back up - £20 is not a lot but as a matter of principle I don't know if this 'supplementary' charge should have applied. Can anyone shed any light if they are allowed to do this? Apologies for the long winded post but I like to get all the facts out in one go Many thanks

Hi I wonder if some one can help advise me on what I should do about this. Six months ago my OH went to our GP as he was suffering from stomach pains, weight loss and passing blood. The GP told him to have a blood test and do a stool sample and that he wanted to referrer him to the specialist as soon as possible. He gave him some medication to help settle the stomach. My OH had the blood test and stool sample and took the medication. His stomach seemed to calm down and we heard nothing back so presumed the tests came back fine. 4 months later we receive a letter from the hospital with an appointment to see the specialist so my OH attends. The specialist was very concerned and urgently booked him in for a endoscopy and gastroscopy. When the specialist asked how long he had been experiencing these symptoms my OH told him he went to the gp 4 months ago. The specialist was shocked as they had only recieved the referral 3 weeks prior to this appointment and he said he should have seen him no later than 3 weeks after the GP appointment. The endoscopy showed a large stomach ulcer and my OH was given more medication for it but they had also taken biopsies. On Monday my Husband received a call from the hospital giving him an appointment to see the specialist which was today (yesterday actually now) The biopsies have shown that he does have stomach cancer and now has to have his whole stomach removed. The original GP appointment was around 6 months ago. I really feel that had he been referred immediatly like he was supposed to the diagnosis wouldn't have been as severe. To top it off my OH went to this same GP surgery not long ago with a chest infection only to find out that 3 years ago they diagnosed him with COPD which they failed to tell him of or to register it on his file. I feel so let down by our GP. My OH has always been in fairly good health since we have been together 13 years. We don't often visit the doctor maybe once or twice a year have never needed to but this year when my OH's health took a sudden turn we needed them to be there to do their job and it would appear they did not, resulting in a devastating and life changing diagnosis. Sorry if this is a bit of a rant, it has been a very emotional and stressful day.

I wonder if anyone can offer any advice. I have a weeks holiday booked in november which was authorised by my manager in april, my manager is now saying i may not be able to have this holiday as it's during a busy period (surely then he shouldn't have authorised it in the first place) i know that employers can cancel holidays in some instances and i haven't booked to go away as such but have arranged to visit family on the other side of the country but my issue is that at this stage there is no availability left for the rest of the holiday year for me to change to another week and my employer does not allow holiday to be carried over to the next year. Can they really do this? As this would result in me losing a weeks holiday? If they had brought this issue up sooner i may have been able to book an alternative week but there is now no availability.as they approved holiday that they shouldn't have and this was approved 6 months ago and cancelling it would result in me losing holiday that I'm entitled to through no fault of my own surely they can't do this? I will be speaking to a senior manager regarding this when im at work next and will also give acas a call but wondered if anyone has any advice or experience in this subject Thanks in advance

I received a letter last week from Atos telling me that I will need a medical to discuss any entitlement I might be able to claim (fine). It has taken them almost 11 months to tell me that, but to add further delay they say it will be at least a further 26 weeks before I will be called for a medical.

I bought a Samsung S5 from Three in May this year, 24 month contract £45 per month. Last week I woke up to find a purple/black blob on the screen which was slowly expanding. Within 24 hours it had consumed the entire screen and it is now completely black. I phoned Three who transferred my call to what they said was Samsung. They got me to send my phone in for repair I got an email saying that the phone wasn't covered by the warranty as they had found damage. The damage is a small crack at the top of the phone, not even on screen. The crack was from when I dropped the phone within the first week of ownership. I dropped it less than 2 feet and was most annoyed at how easily this had happened. I phoned them up and explained how and when this crack appeared, and that the screen had been fine for the 4months since then and only now developed a screen fault overnight. Even the touchscreen still works you just can't see anything! He agree with me that it was like the front wheels falling off your car and they wont cover it under warranty as you have a small dint on your boot. I said well have you looked inside the phone to see if the screen is physically damaged? He said that they are not Samsung they are Anova Repair Agents and there contract with Samsung says that if a phone has any signs of physical or liquid damage then they are not allowed to diagnose it as the warranty is deemed void. So they have quoted my £156 to replace the LCD. I refused that and they have returned my phone. I have also cancelled my direct debit as I'm not paying for a product (or calls) I cannot use. What are my next steps? I have seen some threads mention SOGA but not sure how to proceed. I have insurance on the phone with a £75 excess, but am worried they will refuse the claim as the screen isn't physically damaged! I haven't yet phoned Three back as I'm not sure how to play my cards, so to speak. Any advice would be greatly appreciated. I need my phone for work and am holding back on buying a new contract to sort this out, but I can't wait forever. Also an equivelent contract is now only £30 which adds to the injury! Thanks

Hi all I suffer with CFS - PTSD - was said this was a factor in CFS Depression Anexity IBS Ankoloysing Spondulytus Arthritus of the spine and hips slipped disked Under Active Thyroid gland. I made a PIP claim in Dec after having to finish work in January, a job I have been in for 15 years, but it all become too much I phoned DWP today and Was told they cant see the decision letter, however no payments have been "Issued" (a decision was made Friday) BUT the Award has a Start Date of Dec 13 and an End Date of Jan 17, so she said that indicates I have been awarded something, however, she cant tell me any more. Can anyone shed any light ?

I ordered a power supply from a retailer 17 months ago and it developed problems. I sent it back they found problems and they said that a replacement was not available so they would refund me, but they would only refund me £20. The product i bought (XFX 1050W Fully Modular PSU) cost £150. The warranty they provide is 2 years. They gave me some crap about it being only expected to last 2 years. Now im sorry but a top end PSU only lasting 2 years is ludicrous, its beyond crazy. I would say a 4-5 year minimum on high end top quality PSU's indeed i have 2 others which were both high end at the time of purchase and they are both still going strong 6 and 4 years on. Can i do anything here? Its quite frankly an exploitable part of UK Law and no matter what I say they just say "warranty 2 years = expected to last 2 years". I have tried explaining that the PSU in question should be expected to last for at least double the 2 year warranty but to no avail. Im thinking of giving trading standards a ring cos I don't care what the retailer says they are ripping me off big time. Would this be a viable option or would i just be wasting my time. Thanks in advance.

Can anyone offer advice please. Ordered a sofa bed from an online store which only sells sofa beds on 13th September 2013. It wasn't delivered until oct/nov 2013. We removed it from its cover, checked that there was no damage, that it was the correct colour, and placed it back in its delivered plastics where it sat un-used until the start of July this year (was decorating the house). We took it out and after a couple of weeks we then found after removing the cushion, that it wasn't actually a sofa bed, and was just a normal sofa. I contacted the company, and after a few emails, they have only offered to refund the price difference of the sofa bed/none sofa bed which has caused us an issue now. We don't want/need a sofa, we really needed a sofa bed (at a cost of £650) and this sofa is useless for us. The one we have is still in brand new condition and labels attached to it. (images were sent to the company) Contacted cit advice and they've informed us to go down the formal letter route which I shall be doing, as the item delivered is not what we ordered. We either want a full refund and the sofa collected, or the item exchanged for what we actually ordered. The company is saying in their terms and conditions that we should have informed them within 28 days. I understand this, and some could argue that we should have checked that an actual sofa bed was delivered. But, if you order a sofa bed, from a sofa bed store, and one that looks exactly the same, with the same colours turns up, you would think that it was the one you actually ordered and wouldn't need to pull it completely out to open the bed part up. The invoice states the sofa bed we actually ordered and date of purchase (paid by credit card). I think I'll need to go down the small claims court route, but can anyone offer any suggestions as to where we would legally stand, and the likelyhood of winning at a small claims court? The company doesn't really want to help, and given the length of the timescale from being delivered to actually realising, I'm concerned that a SCC would end up pointless, leaving us with a sofa not fit for purpose, nor one we were meant to get. Many thanks.

Erm, What does ROP stand for?

hi always paid my bills had a good rating, however in dispute with energy company over massive bill I cannot afford in time for their liking, still paying them so they've slapped on a 6 months arrears which I'm trying to negotiate they remove based on incorrect details they held if it sticks - 1. how bad is a 6 month next to a default, particularly in terms of remortgaging to get a fairly low fixed percentage in a year's time - will accept 4% or under as ok offer if fixed for 3+ years 2. if I continue to pay at the rate I can afford in real money - £30/month vs 2k debt, this energy company (eon) will continue to drag my name through the mud - at what stage do I expect a default notice ? 3. if I take the hit on a credit card for a payment in 1 , is it worth the 20% APR and misery over 1-2 years repaying it , or am I better off paying it in "Managed " instalments, with the company - getting AP flags every month until I settle in full? advice appreciated, I do check my credit file but I find their flags are a lore unto themselves, they're also like voodoo, they only work because everyone takes them seriously

Sorry for the rambling title, thought I'd explain it as best I could. Yesterday my partner had a phone call from our landlord saying they want to see the house and that our contract expires on 5th June. Bearing in mind this call was made on 9th April, only 4 days but not two months, but also not in writing. Do they have to give this in writing, then when they do, two months from that date? My partner is 6 months pregnant, we really don't need this hassle but the landlord isn't really arsed, they seem to have a business head more than a conscience. Don't get me wrong, we will move out, but for what they've put us through I'm working to the letter of the law, and won't hand keys back until I have to. Any advice on this? Many thanks.