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  1. Evening. First I apologise for literally signing up to the forum and asking advice. I am unsure of what to do next. I am from Northern Ireland (UK), I traveled to the south of England to purchase a car off a small used car dealer on the 26/1/19. He has roughly 14 cars for sale at the minute. It is a 2010 Volvo C30 automatic/powershift. Full history with only 1 previous owner and 50k miles, cost me just over £5k. On the face of it the car it is very well presented, good bodywork, service history etc. 3 month warranty assist 'gold cover'. The first issue was on the 27/01/19. I was back in Northern Ireland at this stage. The steering would lock itself and not unlock, which would not let you start the vehicle. I had to leave the car in a petrol station forecourt and get it recovered later. Warranty company said, take it to any VAT registered garage to get assessed. I got it taken to a local Volvo franchise. I thought then 'perfect time to get the automatic gearbox serviced' as I thought the gearbox was a little jerky and noisy. I left it with Volvo to get a quote for the steering lock fault and a gearbox service that I was happily paying for. Volvo have since told me it needs a new gearbox as there is movement in some shaft that will be likely to fail at anytime. The gearbox alone is £4900 and the steering lock is £500. Warranty have refused to fix either of the faults and the dealer is saying he is only willing to replace the steering lock and the gearbox is still working ok, so it is just general wear and tear. I have not yet got any of these faults fixed as I do not want to keep the car with the gearbox that could let me down at any minute and warranty are not willing to cover it. Is this a genuine reason for rejection?
  2. Hi Guys, posting for a friend who needs more than my advice to be reassured what to do, she is on the verge of paying these people! Windscreen ticket in a marked bay for council flats, marked bay was allocated to the resident who was in the car, google nosey neighbour doesn't show the flat's car park as it's gated. The driver was giving the resident a lift home with a baby and helped them into the flat and came out to a PCN, there doesn't seem to be a 'from' and 'to' parking time and the driver says she was only there long enough to drop the baby and shopping off and come out, so possibly over 10 minutes. I have scans of the NTD and NTK in a word document with pictures of the car in the bay and the signage which is too high to see from a car, but I cannot make them into a PDF as I do not have the software or the know how and my PC is on it's last legs so I can't download any new programs. Happy to PM the word doc to anyone willing to help, but it's not redacted either so I will trust you! I suggested doing an appeal that the driver was parked in a marked bay allocated to the resident with the resident's permission which trumps any agreement they may think they have. Advice please guys? 1 Date of the infringement: 01/11/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date]: posting date 03/12/2018 notice date 05/12/2018 3 Date received : 05/12/2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] Y 5 Is there any photographic evidence of the event?: yes - photos on www.paymypcn-uk.co.uk 6 Have you appealed? no - need some advice from you guys 7 Who is the parking company?: Parking Control Management (UK) Ltd, SL1 2XF 8. Where exactly?: Capstan Drive RM13 Google maps doesn't show the car park for the flats, car was parked in allocated bay for the flat it was visiting I managed to find someone under the age of 30 to do the PDF conversion on their laptop, please see attached for all the NTD, NTK and other info PCN info for CAG 01_11_2018_01.pdf
  3. Hi Needing some advice and guidance, will keep this to the point and hopefully someone can help, It was a 40th treat for myself which makes it even worse for me. Viewed a vehicle on 04/11/18, at a Lookers dealer in Carlisle, 70+ miles from our home address, Paid full screen price, £12,500, paid £8000 on debit card and £4500 on finance, asked for a few cosmetic repair's to carried out as well as serviced, mot'd and fully valeted. Got train back to dealer on 17/11/18 with wife and kids to collect vehicle, only thing was it hadn't been cleaned at all well apart from that happy with vehicle and service received. Drove home, on returning home (82miles covered) not even 3 hours into ownership the vehicle has smoking badly from under the vehicle, the transfer box on the transmission had been leaking all over the exhaust and underside of vehicle causing the burning smell and smoke when arriving home. So at this time on a Saturday night the dealership was closed so emailed the salesman. The workshop manager contacted us Monday to arrange vehicle collection as they wanted the option to repair the vehicle at the purchasing dealership (which turned into a joke), the vehicle was collected on a trailer (20/11/18) and took back to Carlisle. The oil leak was rectified and the vehicle returned to my place of work on 23/11/18. I took delivery of the vehicle as the leak seemed to be rectified, when I left for work I tested the 4wd system which displayed a fault, contacted the general manager as it had been passed to him to deal with and verbally agreed he knew the 4wd was working prior to repair as he drove the vehicle when it was traded in, as I also knew it was working as I tested it before purchase. He contacted me to let me know he had booked it into the Lookers Ford dealer nearer to my home, great, dropped it Monday 26/11/18 to be inspected Tuesday, this didn't happen, the inspection took place on Wednesday, they condemned the transfer box, the General manager from Carlisle contacted me to state a new one would be fitted and he had authorised the repairs. Collect the vehicle 03/12/18 far dirtier than when I dropped it off and to discover a second-hand unit had been fitted not new, which has now shown a fault 1 day after the replacement transfer box. I'm at the end of my tether. Now this is where my problem starts...…. and for my post needing help!! (sorry for the long post) I don't think for one second they will challenge my rejection as he has already made this a evident to me over the phone. We have been more than reasonable and in turn they have been fine with us. But.. Its a 63 reg vehicle and only had 44K miles recorded and had a very high spec. if I'm just to simply take my money back and finance cancelled there is not another vehicle on the market to replace this one for the same value, some are £2000 plus more, I may be being stupid but I don't see why I should now be without a vehicle because of Lookers incompetence or having to be another £2k plus deeper into a vehicle. Not including all the cost to collect the vehicle etc. Is there any advice on how to progress with this? I want the vehicle that was described to me at initial purchase, however I have lost all faith in the one I have. Are they obliged to find me one either from group stock or from an alternative source? and if they are and it is at a higher price - do I have any rights with them to ask them to price match for the one I bought? I don't see why I should be out of pocket and back to square one, after viewing a few vehicles before purchasing this one. Thanks
  4. Historic day for the military as all roles are opened to women READ MORE HERE: https://www.gov.uk/government/news/historic-day-for-the-military-as-all-roles-are-opened-to-women
  5. Hi, has anyone ever upgraded their phone with Vodafone and then decided to hand the device back during their 30 day cooling period? If so do you know if they can offer you special deals for other phones? I’m thinking of returning my iPhone 8 and getting an iPhone X, thanks
  6. Hi guys, I bought a used car last week that was described as a 'superb example' with absolutely no mechanical issues. The same day, on the way home from the garage, the engine was misfiring. It was diagnosed by a mechanic two days later and a report written. I agreed to return the car for repair having initially been refused a refund - a 100 mile journey. 20 miles into the journey the car was misfiring constantly - vibrating/shuddering. It did not feel safe to drive. I called the dealer and stated that I would like to return the car for a full refund, as we have suffered enough additional expense and stress. He refused and told me that he would not accept the car and that I was not to bring it to his garage. The car is on my drive and has not been used since being diagnosed with the fault 2 days after purchase. A letter in advance of action was sent two days ago with no reply. My question is this, do I have to physically return the car within the 30 day period? Or is it enough to have put it in writing that I am rejecting the car? Thanks in advance, J.
  7. Grave of D-Day army medic rededicated 74 years after his death READ MORE HERE: https://www.gov.uk/government/news/grave-of-d-day-army-medic-rededicated-74-years-after-his-death
  8. D-Day veterans invited to register for 75th Anniversary READ MORE HERE: https://www.gov.uk/government/news/d-day-veterans-invited-to-register-for-75th-anniversary
  9. I have received 3 Bus Lane Fines from Manchester City Council, All in Oxford Road and All in one position in the beginning of the Bus Lane and the times difference between them 4 - 11 minutes. I admitted travelling to Manchester one day and was following directions from my TomTom Navigation and when coming out of city centre suddenly noticed sign forbidden traffic and advising it is Bus Lane. I turned back and took first exit and followed alternative direction and TomTom guided me to same location of start of Oxford Road. I repeated this 3 times and never crossed the sign on each attempt. Now they sent me 3 fines and pictures showing my car before the sign. Any advise please ?
  10. hi there, i'm having an issue at work about payment for "snowdays", back in january. i work in a private boarding school as a lunchtime supervisor. back when we had a day of snow there were members of our dept. that obviously couldn't get into work. we don't get paid for sick days or days off so no one was expecting payment, and we know that the employer doesn't have to pay them as a sign of generosity the headmaster agreed that we would all be paid for the one day that we couldn't get in. lovely until, our dept. manager said that although the headmaster has agreed this, it is down to the managers how they implement it. so our lovely manager decided that although we would be physically paid for the day, he sees it fair that we would owe half the hours in time. now most of us that this affected was us part-timers, we work school hours (9-3), we have kids, the dept. is often short staffed and we make up that shortfall in overtime. many work weekends etc. so to owe those hours in time is quite hard to fit in, when many are already counting on the overtime to bump up our wages (though i know this is our own personal issues and not to do with the school). no other dept. has done this to their staff. everything in the school is in house, so we're not just talking teachers, but cleaners, matrons, plumbers, maintenance, electricians, sports hall staff.....and none did this, they gave the pay freely and happily. so i made a few enquiries and found out that it's legal for them to do this....i could have made a fuss about how it effects women because of the nature of the hours and those who couldn't get in...but i don't really want to go down that route as i don't believe it was done with sexism in mind. i did have a meeting with my manager, as i'd been moaning for the week (not the correct way to handle things i know :/ ). his explanation was that the head had said how each manager implements it, and that as a dept we get a lot of perks....which we do, we get to go home early if boys aren't there, take food home etc. but every dept has it's perks, be it more breaks, use of equipment, drinks etc. when i pressed him on his decision he said that if i was to make a fuss then he would play by the rule book and we would not have any perks. i see this as a threat...essentially that it would be my fault that the whole dept loses out. anyhow, we're 4 months down the line, we've been paid and our manager hasn't yet claimed back half the hours. yesterday, we were called into a meeting where it was then announced that we don't have to make up the hours, but he will take half the pay back that we received in our next pay packet, which is next week. so the main question is, can he deduct the pay after it has already been received, esp. with a week's notice. people have budgeted for next month and this will effect their households. we have chefs in the kitchen, none of those have attended our meetings, this has led me to wonder if they are getting the same treatment...am i legally entitled to know what agreement has been reached with them? i want to know if it is a dept. issue or just one for the lunchtime supervisors, unfair treatment within the dept maybe? if i want to get spiteful and go down the sexism route, is this possible? there is one man that is affected by this, so it's not "all" women. thanks for your help (in advance) and sorry for the long story but i wanted to get as much info as possible
  11. 50 Days to go until the tenth Armed Forces Day READ MORE HERE: https://www.gov.uk/government/news/50-days-to-go-until-the-tenth-armed-forces-day
  12. Hi, Any help would be much appreciated as I have just paid all but one of my existing debts. It is from a company called Next Credit, a pay day loan secured against income. The loan was taken out in June 2013 due to financial difficulty I started to miss payments straight away, I have just noticed the company has been recording the debt as late payment ever since until October 2017 when a default was registered, this means at this moment in time I will have to wait another 6 years until the debt is removed from my credit rating, effecting my credit rating for a total of 10 years, I thought defaults were registered within the first 3-6 months of the first missed payment. Does anyone have any advice they could kindly give me as I am worried this will stop me getting a mortgage. Many thanks, Charlie
  13. 100 Day Countdown to UK Armed Forces Day 2018 READ MORE HERE: https://www.gov.uk/government/news/100-day-countdown-to-uk-armed-forces-day-2018
  14. Retailers have rights too! New small traders' returns guide 22nd February 2018 Retailers have rights too! ParcelHero introduces new small traders' returns guide. At least 200 specialist online stores don't expect to survive the massive growth in returns this year. As UK consumers learn to make the most of new return regulations, ParcelHero has introduced a new guide for sellers, spelling out what their own rights are. A recent survey by leading courier price comparison site ParcelHero revealed at least 200 e-commerce businesses don't expect to survive the massive growth in returns this year. Returns reached 47% of all ParcelHero shipments in the first days of the New Year and traders say that they were often pressured into paying the cost of returns even for unwanted items - or risk losing their all-important 5-star ratings. https://caithness-business.co.uk/article/8110 ........... is it just me or is this a wee bit iffy... buy our insurance and we'll protect you...urmm..wonder whats mor expensive for the trader..refunding returns process or their insurance....
  15. Sending some Christmas presents, I booked a Next Day delivery with Parcel2Go on Thu 21 Dec. I put the item in an InPost locker for collection, but it wasn't picked up by the courier until Wed 27 Dec. The presents finally arrived Thu 28 Dec, a full week after I posted. Xmas happened in the middle extending the delay somewhat, but still the courier was technically 2 working days late in even collecting the parcel which was advertised and sold to me as Next Day delivery. I've asked P2G twice for a refund, but they say they don't guarantee delivery so aren't obliged to. They wouldn't refund even as a gesture of goodwill (I am, or was, a regular customer). Elsewhere I've read that as long as a parcel is delivered within 31 days it is not considered late. Can I somehow get a refund under false advertising/trades description (or similar) for this 'Next Day' charade?
  16. Hi all, I ordered things yesterday online, I selected next day delivery, but when I have just checked now, they aren't estimated to arrive until Friday? Something I ordered today is also due to arrive Friday and not tomorrow. All were prime eligible products. So I jumped onto their webchat, and spoke to someone. Turns out they have suyspended next day delivery until they can catch up from Xmas and get their drivers back. In fact here is a snip from the web chat. "Ojas: I can truly understand your concern however as you must have been aware that we had loads of deliveries on Christmas season so the inventory at our fulfillment centers is revising so they are not getting shipped on the same day as they are placed. This is the reason the next day delivery is extended however please be assured that it will be in its original form once again in 2 to 3 days as all of our carriers are also returning back to work. Me: hmm so it's down to the fact you are behind on deliveries, that's fine as long as you say that Ojas: So please be assured that the prime one day delivery service will be in effect within a couple of days." Isn't this a breach of contract? A warning for anyone else expecting their deliveries they day after they are placed as usual.
  17. Hi Will try and keep this as short as possible I work for a well know Pizza company, as a delivery driver, while im working for my employer i am covered through their business insurance. i have to provide my own personal insurance/mot to be able to work. I had an incident in October, whilst at work, I had reversed out of a parking bay, no more than a car length, looked in passenger mirror and noticed a car behind me, i waited for some sort of reaction from the driver, was none, i got out of my car, and i noticed damage to the front of the vehicle, being a bit confused i believed i had hit the car and caused the damage, having said that, as it seems now the damage on car was previous damage. At the time i gave him details of my employer`s insurance policy, i did not get any details from him, as i say trying to keep this short, incident would have been on company cctv. The other party has not gone through my employers insurance, they are taking it through my own. Now this is where i need help or advice, when i took out the insurance policy with Hastings Direct, i specified my employment as what it is, a fast food delivery driver, i do not need business cover, as its provided for. Hastings accepted my employment and insured me. Due to this incident, i had to fill in a claim form by 27 of this month. i spoke to Hastings, advising them that this was an employment issue, and that it should be going through my employers insurance. I supplied Hastings with the information that was requested. I now as of yesterday have been sent notice of cancellation. For using a vehicle outside the terms and conditions of this policy. I rang Hastings today about this, i was told its being cancelled due to my job??? I will now be penalised for being honest, by having insurance cancelled. I have contacted the financial ombudsman service today, also have put in an official complaint to Hastings. This has got me stressed out, I work a 0 hr contract and cannot afford the insurance quotes, im getting now or drive with a black box, with restrictions.
  18. On the 11th Hour, 11th Day, 11th Month the First World War Ended "Armistice Day" In Flanders Fields Poem In Flanders fields the poppies blow Between the crosses, row on row, That mark our place: and in the sky The larks still bravely singing fly Scarce heard amid the guns below. We are the dead: short days ago, We lived, felt dawn, saw sunset glow, Loved and were loved: and now we lie In Flanders fields! Take up our quarrel with the foe To you, from failing hands, we throw The Torch: be yours to hold it high If ye break faith with us who die, We shall not sleep, though poppies grow In Flanders fields. Composed by Lt Col John McCrae at the battlefront on 3 May 1915 During the Second Battle of Ypres, Belgium
  19. Good afternoon all, like to say big thanks for this forum reading through all the cases I have managed up until this point not to ask for advise..... I have been through letter receiving from Lowell, phones calls, sending CCA & CPR requests, creating my witness statement/defence etc (attached to this for background) I have my court date 21st November 7 Lowell have paid the allocation fee which I checked with the court today. This is for a debt with Aqua credit card around £1200 original debt. My question is....... .They have supplied my old credit card statements but I still haven't received the signed CCA agreement I have asked for or the default notice? Does that help me in court? They have even put on their defence they haven't got it but will continue to ask for it from the original creditors? Suppose what I am asking is without me receiving it then surely even if they did turn up with it at court then they can't enforce a CCJ? Could be wrong but wanted to gather some thoughts from other members? Anything else you need to know please let me know. Thanks
  20. Hi I have received a letter re: possession order from Drydensfairfax today (not unexpected) for arrears of £3258. The letter states that the order will become enforceable on 9/10/17 and that a money judgement for £92982 was also obtained. The letter asks that I clear the arrears in full prior to this date . If I am unable to clear the arrears, to forward proposals for clearance of the same within the next 7 days. (I have no way of clearing these arrears). Once the enforcement date had expired they will apply to the court for the issue of a Warrant of Possession. The only way that action will be cancelled is on clearance of the arrears in full. Should it be necessary to apply for enforcement, you will be notified of the time and date of eviction direct from the court. what happens next and what can I do to stop this. Mortgage payments £550, have recently been paying £600 with an additional £50 per week. I cant afford any more than this. Forgot to add that we have previously been in arrears, around 2 years ago, but borrowed money from family to clear it, which we are still paying back. Cant go down this route again
  21. Hello J Firstly thankyou for all of this information on this forum, I have had a look around but I think I need to start a thread in order to get some help. I am sorry for the length of the post and I hope someone makes it to the end of it as I know you would be using their own freetime to respond! J Much appreciation and thank in advance for this I wrote to Lending stream to claim irresponsible lending and I am hoping that someone could contribute their expertise to help formulate a reply to them. Id rather make one last attempt to settle with them before going to the ombudsman. All of my comments are ion red and LS are in black. We are writing in reference to your recent correspondence. Please note that you borrowed 17 loans (Ref. No: xxxx) from Lending Stream, out of which 14 loans were closed successfully and 3 loans (Ref. No: xxxx, xxxx and xxxx) are outstanding. However, the ownership of the accounts (Ref. No: xxxx, xxxx and xxxx) has now been transferred to the third party debt collection agency Mackenzie Hall (can be contacted on 01563 556533). Hence, we would request you to get in touch with them for further proceedings. I thought you had to claim against the original creditor? How should I respond to this? This makes up a large part of my claim as they added around £1000 in charges and interest onto £500 that was defaulted and sold it on We would like to share our findings, in regards to the loan accounts closed with us. Affordability Check: We confirm that an affordability analysis is conducted for all customers (existing or new) and on each loan application. Our advanced analytics and underwriting processes review the information provided by the customer, all public information and details held by Credit Reference Agencies before making a decision. Your Experian score was ranging upto xxxx; which factored into our proprietary underwriting and deemed acceptable I don’t think so, my credit rating was proper trash back then, I have spent about 3 years trying to repair it and have had tens of thousands of pounds worth of defaults and a CCJ drop off of my file since then (+6 years old now) and its still far short from what they are claiming! At the time of applications, you were full-time employed Yes correct Your monthly income at the time of applications was ranging upto £ xxxx No idea what I declared but from their comment “ranging upto” I doubt this amount was consistent We could observe a sufficient disposable income, which denoted that repayments towards the loans can be made without any financial difficulties I was in serious trouble and borrowing from one to pay another, my finances were a mess! Rollover: We would also like you to note that a “Rollover” is an option provided by some lenders where a customer is allowed to delay paying back a loan on the payment of additional fees. Currently, Lending Stream does not offer this option. Hence, we confirm that the FCA regulation on “Rollover” Loans is not applicable to us. Credit file/Data Validation: When a customer requests for a credit report from a Credit Reference Agency, he may acquire specific information including names of different lenders and their respective reporting. However, when a financial institution does a credit search on a customer’s credit report, they are not privy to that exact information. Hence, our decision to lend money does in part rely on the information received from Experian (credit scores). Financial Difficulties: Our constant message to customers whose circumstances change, or who experience hardship, is to speak to us and we will work something out together. Upon reviewing your accounts, we found that the required assistance was offered, when, we were informed about the change in your circumstances. This is a lie by them, when repeatedly borrowing and borrowing just became unsustainable I contacted them and I repeatedly asked them to set up a repayment plan, freeze interest and to stop phoning me for payment. They refused to accept less than £90 per month which I did not have and were calling me in excess of 8 times a day and even phoned my work phone which I was furious and extremely embarrassed about at the time. I have told them I want compensation for their behaviour during this period but I might tell them that I would be willing to forgo this should they be willing to settle in full on the rest of my claim without having to go to the ombudsman. Resolution: In lieu of the overall situation, we confirm that the affordability checks were performed while approving your loans. With the above being said, we would like to inform you that there were some procedural errors while approving your loans (Ref. No: xxxx, xxxx, xxxx, xxxx and xxxx). Hence, we offer to refund the interest and charges paid towards the loans (Amounting £394.50). I don’t know what processes they are admitting not following but this was the first 5 loans I had with them. The amount of interest I am claiming form them is £825 from the 14 loans that I repaid so I am guessing this is just an attempt to reduce by 50%. There are also the 3 loans that they have asked me to contact the company they sold onto. I have asked them to refund the £500 loan + £1000 interest that defaulted that they have sold on so that I may settle with the company they sold it to. I might respond that I would be willing to accept just the £825 + £1000 = £1825 interest if they are willing to resolve without the ombudsman Should you accept the offer, please confirm so that we can initiate the refund towards the bank account details that we have registered in our records (account number ending with " xxxx "). I switched bank accounts years ago to make a fresh start away where no companies have my details J Alternatively, you can help us with the copy of your bank statement (in which you wish for the funds to be credited) reflecting your name, bank account number, sort code and bank's name in a non-editable format. Errr No chance! For further queries, please email us at xxx or call us on 0203 365 0138 (Monday to Friday between 7 am to 10 pm). Call charges apply. A final observation I have made from their reply is that I have told them I want 8% statutory interest and they have not mentioned this within their letter at all Thankyou again for your help with this x
  22. Debts to hand: HSBC Loan 4,408 Sainsbury Loan 22,271 MBNA 6,453 Overdraft 5,000 Barclays 3,400 Never defaulted historic I have now cancelled all DD and moved some funds to a neutral bank account. Overdraft already sent first message of daily fines etc etc. I have been doing my research and had already applied to SC DMP plan. After further reading I intend to delay this for 4 months to allow one a emergency egg to build and two allow some room for some of these lenders to default. Am in a position where I could be saving 1k a month while not paying fee's . Most of the debts are less then 5 years old I don't think the consumer credit requests will help much. one cc is 2005 I will issue them all with consumer requests in the next day or so. LI will also send a letter over the next few days advising of difficulty, asking for interest to be stopped and to have some speedy defaults. I will outline a 4 month window and that am working with SC in this matter. Ideally I want to get into a position where they all default to stop this AR stuff I have heard of stretching this out for 13 years. Hope to freeze this interest off fairly quickly I will also put in my not to make this journey by mail no phone calls thanks you etc. All my debts are unsecured, I live with my partner whom mortgages this house. We are not financially linked. Trying to get in a position where these debts go to the debt collectors for F & F down the road. Thanks for hearing rambles I think I have come up with the best option atm. I reviewed IVA or bankruptcy but felt this route could be the best one if all lenders can default within 6 months so this isnt stretched out more then 6 yearrs
  23. We have had numerous issues with a caravan purchased from a dealership in less than a year we have had approximately 44 issues with the caravan with several issues being serious. Four of the issues resulted in the front and rear panels being repaired and then replaced. The advice I got from a lawyer was as follows; Although I appreciate you approached XXX Caravans to supply you the caravan, as you took out a hire purchase agreement with Black Horse, they are the retailer of the caravan. T herefore any rights you have under consumer law are to be exercised against Black Horse and not XXX Caravans. Under the Consumer Rights Act 2015 Black Horse have an obligation to ensure the goods supplied to you under a contract are of satisfactory quality. This means they should be fit for their purpose, free from minor defects, safe and durable. For the problems you have described in your email it would appear this is not the case, as a result Black Horse are in breach of the contract between you. I have always been under the impression that the supplier is the retailer and that the contract is between the consumer and the supplier and if there are any issues I need to approach the supplier and not the finance company although the finance company do have a responsibility. As we have had so many issues with this caravan which appears to be a Friday afternoon lemon made from left over pieces of other rejected caravans, we are considering rejecting the caravan even though we have had it since July 2016. The £1000 deposit was paid using a credit card with the balance financed by a trade in and HP. The caravan cost in excess of £30000. We have had approximately 100 days usage from the caravan. The question is whether the advice from the lawyer is correct or not? Thanks.
  24. Hi. I was aged 17 when the contract was signed. On multiple sites I have seen the following: "The minor is also able to cancel a contract at any time before reaching the age of 18, and for a reasonable period afterwards without valid reason as the contract is ‘voidable’." I have been a member for just over 3 years, and 2 years 7 months since turning 18. Would that be considered a reasonable period afterwards? The cost is £30 p/m and I really would not like to pay another full calender's month of membership for several reasons: There is a much better gym nearby that is 24hr and costs less. When equipment breaks in DW it is not replaced for weeks at a time, affecting my workout. At some point, they changed the closing time on Friday from 22:00 to 21:00. Have only ever gone during night times and from next week can no longer do so. I'm not great on money right now so paying £30 for something I definitely won't be able to use would be horrible.
  25. Hello, I have the following issue and was wondering if someone could help me figure out what I should do: CRS (Credit Resource Solutions) are txting me every day regarding a very old debt (but not older that 6 years) to a payday loan company Pixie Loans. They only text, never call and I never received any letters via post, I think they don't know my address as I have moved. They are threatening with court actions and CCJs. And told me that they have sent me a letter but I never received anything apart from regular texts. Is there anything they can really do, can they really take me to court if I have not received any official letters via post? I was thinking of sending them a letter and asking to do everything only in writing but at the same time if they do not know my address and my email address - I do not want to give them that information. And sending a letter without a return address doesn't seem to make sense... Not sure what to do in this case. Are these texts enough to get me a CCJ? should I reply?
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