Hello, I had work done by a builder about a year ago, but since then I have had nothing but problems. The beams in the roof have not been installed correctly, causing major cracks in the loft room and below, the windows have not been installed properly and many other issues. Does anyone know if this sort of thing would be covered by a builder's product liability insurance? He built and installed my roof incorrectly and also installed my windows wrong, which in turn has affected by brickwork. Given that he built and constructed my extension, does that mean any faults found after he left can be claimed for, or would he have to claim for each and every fault that I have found. By the way the builder has accepted that he did bad, so I am going to assume that if the insurance company play fair, they will pay out.

I bought a macerator from an Ebay store in Sept 2016. Due to works being delayed it was not fitted until June/July 2017. It is in a cloakroom that does not get used daily. It has just developed a fault. I contacted the seller and they have given me a test to try and offered to supply a part to repair for £10 postage. (not tested yet) Because its Ebay I can't access the original listing but on there current shop page they are offering the same unit with a 2 yr warranty. Assuming that my unit had the same warranty what are my rights. Thx

I am having a home visit by Capita next Friday and as I am not very good at answering questions as I get a bit confused, anxious and obviously nervous even though I like think I do not suffer from mental problems. The stress of the interview is enough to upset me. My PIP is for care as I have RA and a back issue due to worn joints which causes mobility issues. Would it be best to have a welfare rights officer present? If so, how would I go about arranging for this to happen and do they do home visits even at short notice. Thanks.

Hi everyone Babbling on behalf of my boy as hes not too good at asking for help Hes late 20s. He moved out of his home in January to rent. His ex asked him in August to move in with him temporarily, he said no, she whined on that she couldnt go anywhere else as her friends had said no too she moved in with him for a bit. He gave her a deadline of the 20th to leave, she didnt. Shes not on the tenancy and the police were called. they told her they would return to chuck her out but havent since come back. She is now claiming she cannot be removed, as she saw it on telly about some 28 day period and she was invited there that she has rights. Questions Can she stay there? Has she got these rights to stay after some 28 day period? Has my boy got to confess to his landlord and possibly get evicted to boot? Any help would be grateful Bravo Zulu!

Hello everyone , today I signed on after being layed off on Monday . It was all going well until they asked for my email address & I asked " why " . They explained they need it for my registration to UJM , I declined immediately the oh so previously nice " coach " told me if I refused I would be " in here every day showing your job search " . It didn't matter that an agency had called me mid interview for a possible position & I had asked if it was ok to take the call , she seemed happy that I was obviously already putting my self out there & getting possible bites for employment but I digress. The fact she was so quick to threaten me upon my temerity of questioning her was the key to a realisation that this is not all it seems . I am claiming JSA & Housing benefit & not on the all in one UJM . Being told I will obey will never sit well with me from what I have already gathered this is nothing more than a processing / spy centre . It has been many many years since I last needed help from the state & I am shocked , dismayed & even angry at the Orwellian attitude . Sorry for the long rant but I am very angry at the so called system . My questions are Am I legally obligated to open the UJM account ? Do I legally have to give them access [ this sent 2 " coaches " into beast mode but still no definitive answer ] I was asked if I had a CV , I was asked half a dozen times in fact . I stated I am more than capable of doing my own CV , adjusting it for various positions but still they would not let it go so that tells me they want a copy , am I legally obliged to give them a copy or have one on this UJM account. Lastly , I need a survival guide to my legal rights on this . Once again , sorry for the ramble but I wont be bullied or treated like a sub human because I have been put out of work but I need the benefits to survive . I can see this being harder than actually working. Thanks in advance for any help & advice . Freddy PS .......... " Coaches !!! " , where do they dream this nonsense up

I know a little bit about the Sale of Goods Act and have found out that it has since been replaced by the Consumer Rights Act. We purchased a Smart TV from Currys PC World in December 2013 for £550. Over the last few weeks it has started to develop a fault where towards one corner of the TV (top edge towards the right) there is a foggy dark patch. This is mostly visible when there is a white background. My questions are therefore: 1. As the TV is now 3 years 8 months old is this too long to expect to be able to get it repaired/replaced via the Consumer Rights Act ? - How long would be 'reasonable' in terms of expecting a TV to last ? 2. The TV has been looked after, hasn't had any damage to it, knocks or drops or anything similar so I assume the fault has been caused by a faulty component. It has been a few years since I have had to claim for anything like this and although I have previously been successful, I'm not sure whether I am expecting too much given the age of the TV. Any comments and/or advice would really be appreciated. Thanks in advance,

Hi All, On 4-Aug-2017 I test drove VW EOS 2.0 FSI(2006) convertible which has done 67500 from a car dealer in Birmingham. Paid the deposit of 300£ to confirm the same day. Asked him to fix minor things like Covering cigarette holes from seats at a couple of location, changing wheel caps, under bonnet insulation and full valet. Dealer verbally agreed to get this fixed and said he will get the 12 months MOT done as advertised on Autotrader within a couple of days and asked me to transfer remaining amount 3450£ asap. On 5-Aug-2017 I transferred the remaining amount 3450£ (Total = 3750£) on 11-Aug-2017 I got the car from the dealer with the receipt (Offical date of owning the car) saying he couldn't get hold of valet guys so will get it done when I visit him next time. he didn't do anything except MOT (10-Aug-2017). As I was eager to drive the convertible, I accepted foolishly. While driving back home to Coventry, I realised the left wing mirror is loose and cannot be operated properly via driver side button. Called dealer on 12-Aug-2017 and mentioned about the issue. Dealer said he will look into it and asked me to bring the car the following week. Having doubts over the car, I properly checked the car only to find big single line crack on the windshield at the bottom edge. This was covered by wiper blades. Wiper washer pressure was too low. Blamed myself for not looking carefully before buying. Also found out the roof was leaking. Texted the dealer about this issues on 14-Aug-2017. Took the car to the dealer on 16-Aug-2017 (As he was only available on that day) and asked him to fix the issues. 23-Aug-2017 the dealer gave the car back saying he fixed some issues like Wiper washer pressure, insulator, valet (half), roof leak (still persists), attempt to fix seat holes. But did not repair wing mirror or windshield. As I thought I didn't hold any right to reject on wear and tear parts accepted 125£ cheque towards fixing the wing mirror and windshield myself as travelling back and forth and leaving the car for weeks time was tiring. My doubts regarding the condition of the car grew as no reputed dealer would do this took the car to local VW specialist garage for inspection on 25-Aug-2017. Got the report that CV Gators split and Console (wishbone) bushes separated (replacement cost 360£) and they mentioned that MOT shouldn't have passed as bushes don't get separated within 100 miles drive. Mentioned the same to the dealer who replied back saying MOT had passed and it might have broken any time afterwards and I am expecting a brand new car performance from a 11-year-old car and should accept this as wear and tears. But at the end said he will have a look if I get the car to his shop. Next day driver side door card came off. Looked like it was glued before. Booked a 15 point safety check from Halfords on 3-Sept-2017 as it was free. They reported CV Gaitor starting to split, front coil spring broken and rear disc badly corded and worn close to legal limits. Had enough and sent a rejecting letter to the dealer along with the reports on 4-Sep-2017 asked him to fully refund as I was within 30 days and as per consumer rights act, the car is faulty. Today 6-Sep-2017 got a call from the dealer saying he will fix CV gaitor, Console bushes and spring but won't repair anything else and there is no way he is going to take the car back. Asked me why Halford reports didn't pick up Console bushes problem and local garage report did not pick coil spring issues. I shot him back saying I am ready to get a full AA inspection done as he is AA approved dealer. Also, he mildly threatened saying he pays solicitor 1000s of pounds every month for this business and more than welcome to take the matter to court. I have had this car for less than 20 days now and it been driven for 250 miles of which 120 miles just going back and forth to car dealers place in Birmingham. Should I accept the fixes offered by the dealer and move on or should I take him to the court and get a full refund? Your thoughts are much appreciated. Regards, Mike

Dear all I am in a real mess and would like to seek some honest advice / feedback. Currently we live in a shared ownership home (100% in my wife's name. Currently just paying rent to the housing company). Over the past years, due to some mental health problems ( anxiety and depression ) and this has have a marked effect on the family and my ability to work, there are now some £20,000 of debts (Gas, Electric, Water and Council tax). All of these are in my name ONLY and I am considering a debt reduction order or alike, but I have been led to believe that even if I do this, the debts will still 'exist' in my wife's liability? I do not really understand this as I thought if I 'owned' the debt, it would go after I have it written off? I am in a real mess and would be grateful for any advice that can be given. Thank you all in advance David

I bought 6 hard disks just over 2 years ago, 2 have failed just after the warranty, using the consumer rights act 2015 would I have a valid case for getting replaced or repaired? Is 2 years really an appropriate life expectancy for a HD?

JHi, and thanks to all those who contributed to my other thread in respect of ESA, the help has been greatly appreciated and I would appreciate any same kind advice on my PIP Tribunal was has now been listed and will proceed in a few weeks time. My initial reason for the Appeal has been based on the time it took the assessment, (approximately 14 minutes) and this was for two conditions, physical because I have a heart condition and for my mental problems which are secondary to the heart condition, PTSD, anxiety and depression. During the examination, the assessor just repeated the same questions that l had provided in the questionnaire and no physical examination was carried out, giving the time it took as opposed to other assessments that I have taking , it was as if the decision was already made before I walked in there, the assessor was and in theory just going through the bare minimal motions which I feel is unfair and not to mention the fabricated report which if true would have taking the assessor about 45 minutes to an hour to conclude what he concluded which was a complete pack of lies in all honesty, my wife who cares for me was at this assessment. I feel and this is purely based on previous assessments and not just an assumption that I was denied the right to a full and proper assessment which every claimant should have any rights too, have I got grounds?, thanks

Hi - Recently I refurbished my concrete garage floor. Scrubbed and acid-etched it, applied epoxy primer and 4 coats of epoxy paint for a lovely deep colour. Then finally applied a transparent protective topcoat, which went horribly wrong. The topcoat was supposed to be "smooth satin finish with excellent flow”, but it was actually quite viscous and didn't flow or settle well. Even worse, it didn't dry transparent, but with a cloudy white effect - the floor looks like a glazed doughnut. All materials were highest quality major brand and all bought retail on-line from same UK supplier (nearly £400). I am now in discussion with the supplier about this, and working through the predictable excuses ("you can't have mixed it properly", "no-one else has complained" etc). I am absolutely confident that it was correctly mixed and applied, using scrupulously clean tools etc. I had successfully applied 5 previous coats, this wasn't my first rodeo. The topcoat has set hard, and can't be removed. My only option is to paint over it all again, and this will probably need two coats of epoxy paint to reinstate the deep, rich colour. The materials for that will be around £100. I am hoping that the supplier will provide this additional paint without charge, and if so I'm happy to settle. If they won't offer a reasonable solution, then I will buy the necessary paint from another supplier and pursue it through the small claims procedure). What I'm not sure about is the basis for the court claim, should that be necessary. The supplied topcoat was materially defective, but I can't realistically return it for a refund because it's stuck to the floor. Also a simple refund of one can of topcoat sealant would only be about £40, leaving me well out of pocket. So I think this is maybe a "consequential damages" situation, or a tort? Would I pursue that in the ordinary way by reference to Consumer Rights Act 2015, or is a different model of claim necessary? Grateful for any advice, and especially for links to relevant information. Thanks

I work in a 6th Form delivering Education through a sports course. I have been their for 8 years and I invoice the school directly. The school has been taken over and lots of changes have taken place. I was called in about 3 months ago and received a pep talk from the head saying we must improve standards. I agreed and welcomed this and stated I would do everything in my power to support this but as I attend only half the week it would be challenging as they spend a lot of time out of my sight so to try to effect dress code would be difficult. At the meeting nothing in writing was given to me no minutes or anything at all to suggest that what they had actually done was given me a verbal warning. I have received no induction have no contract none of the updated procedures around school have been explained at all. They have called me in and said they are letting me go as the standards have no improved.8 years no contract which is my fault no verbal written warning at all no support or information about disciplinary procedures in school no induction nothing. I feel harshly treated don't want anyone to get the violins out but do I have any rights at all around basic working conditions etc..?

My partner has been working for the same employer for nearly a year but is an agency worker as a Forklift Operator. He is allowed annual leave but not sick pay. His role involves moving pallets of soft drinks and loading and unloading them. A few months ago he was asked to pick up a pallet but as it was not balanced properly due to the way it was originally placed he dropped it when trying to pick it up. It was reported to the Manager who asked him to complete an incident report and asked what happened during the incident, at no point was he informed that he has a warning or anything just a discussion about the accident. A few days later he was retested on the Reach forklift and was allowed to use the machine again. On Monday he was driving the Reach Forklift again and a trainee was also driving a forklift, the trainee was in front of him but did not honk his horn to let him know that he was coming, as he was meant to do, as my partner briefly turned around to check that no pallets fell, he hit his Reach forklift into the trainees but no damage was caused. He was taken off the Reach and asked to complete an incident record again and placed on another machine. On Tuesday he was called into the office to discuss the incident, he was then informed that he has a Final Written Warning. My partner informed them that he didn't know that he even had a first warning and was told that the first incident was placed on his record but he was never informed of this. I am sure that this is not the correct way to do these meetings. Please could someone advise and does he have any rights?

My son was recently caught using his phone in school. He wasn't in a class full of stdents and im all for disapline in schools and i a gree he should not have been using it in school.they. took the phone from him and confiscated it. the only thing is that when I went uo to the school to ask for the phone at the end of the day they refused to let me have it back. they said they were allowed to confiscate it from us all . now does anyone else know of this its not a band weapon noer a danger to student safety. she said that when we agreed to my son coming to this school we agreed to this law. not that i know of and i agree to the confiscation in scool but not to them confiscating it for 24hours solid is this right anyone are the Gorse acadamy teachers allowed to play this part in our society. Best part of this hypocritical lot the teacher who found him on the phone was actually on the phone at the time.

If you purchase an item and you have issues with it within the first 14 days and opt for a repair and then the same item breaks down again with the identical faults 4 months later are you as the consumer entitled to request a full refund as it has already had a repair for same faults? Which.co.uk seems to confirm that a full refund should be forthcoming. If yes, can someone point me to the actual legislation? Thanks.

Hi, I brought 2 sofas from Furniture Village on 20th December 2015 for the total price of £1000, they were on offer after being ordered by another customer and rejected on delivery due to a colour difference. We paid by debit card on the day but didn’t take delivery until the 5th January 2016, at the time we had a complete house refurbishment so stored them until early March 2016, 5 years’ warranty was standard then, now 10 years. In July 2016, we noticed the stitching coming apart on 2 seat cushions and on the sofas fame (one sofa), we called Furniture Village and asked the procedure for repair’s. We were informed that even though they still stocked the model type, they no longer dealt with the manufacturer therefore couldn’t offer a repair or replacement, they did however offer a credit note to the value of the purchase price, they also offered a refund to the purchase price. I advised Furniture Village that we had the sofas coated for stain protection (cost approx. £200) and my wife had brought some ridiculously expensive cushions / accessories to match the sofas (£180) I had receipts for everything, therefore taking a refund would leave me out of pocket nearly £400. I was asked to email my thoughts and what options I would like to take over the next few days. I asked on the phone and in a following email if they had experienced any problems (advised, no problems), I requested a replacement, if that was not able to be done I requested a goodwill refund of £600 to allow me to get the 2 cushions repaired, I also noted that if the £600 was refunded I would take responsibility for future repairs to that sofa, I included pictures of the cushions. A few days later I received a call from their customer complaints manager who advised that she had spoken with the manager of the store and was unable to offer a refund of £600, they would offer a goodwill refund of £400 due to the fact they could not replace the sofas or repair them. We had 2 companies come to look at the sofas and with quotes more than double the original purchase price no repair had been done, roll on to February 2017 both sofas are ready for the skip. All 4 seat cushions have split / come unstitched, I don’t mean a little gap, two of them have come apart by at least a foot in length, you can’t turn them over as the stitching has come apart both top and bottom, the other breaks are between 3 – 7 inches. Also, the rear back cushions which aren’t attached to the frame and just lent on have also come apart (3 out of 4, so both sofas and again by 4 – 8 inch breaks on the seem). Also, the stitching on both frames have started to become undone, showing the frame. I phone Furniture Village in January and explained that this was unacceptable, you might be able to excuse one as a manufacturing problem but two? and with every cushion coming undone in a year, I requested they pick up the sofas and offer the refund, I would have to swallow the protection and extra accessories costs. I was asked to send in pictures, I sent them and waited a week, I called back and was advised the matter had been passed to complaints they would call me in 72 hours, I waited 2 weeks, again I called them…. here we are late April, I have been told that I agreed to a fall and final settlement of £400 (I didn’t), I advised I had the email with my offer to them, this was rejected and they advised that head office had agreed that they have no liability, I had effectively waived my warranty. I mentioned that the goodwill payment was for two cushions on one sofa, and now all cushions across both are faulty as well as the frame, the fault had been identified in the first 6 months, admittedly we are now over 12 months, 2 months of that was trying to get a reply! Furniture Village would not offer any further assistance and mentioned I could speak to the furniture ombudsman, I could find the details online. Thoughts?

I bought my son an Armani watch for his 18th birthday last November. Within a few weeks it was not keeping correct time. I emailed the company who said I couldn't get a refund as it was longer than 14 days since I received it. I sent it off to be repaired. After a few weeks it returned only to go wrong again. I sent it back waited a couple of weeks emailed and got it back. Again, after a few days my son noticed the hours hand was not on the correct position particularly obvious on the hour. I contacted them and again sent it back. It came back yesterday and the hand is still not correct. This time I have included some photos to illustrate my point and asked for a refund as I feel this has gone on long enough. At each stage from purchase to now I have had to email them asking where the watch was. I've been told I would be contacted within 24/48 hours and then waited 2 weeks with no contact. I need to know what my rights are and I hope somebody here can help!

Just a brief overview.. I received a PCN from ES Parking Enforcement about 10 days ago. I attempted to make the payment a couple of days ago now, both by calling the number provided and on their website. It is saying that the number I have entered isn't recognised. They don't seem to make it easy to contact them, as they provide no email address (just an online form, which stated for business correspondence only. . and directs you elsewhere if you want to dispute the ticket - IAS? - but I don't want to appeal it I want the correct reference number!) I don't know how to go forward with this. I have no 'proof' I have attempted payment, so if it did go further it would be my word against theirs. I was thinking of writing a letter requesting the correct PCN reference number from them, but how much information should I include on this letter? Should I put my car registration number and date and time of issue, or just the original number they've issued me and let them deal with it. I know that sounds awkward, but they don't seem to make it easy for you, and the more I have read about them the more anxious I am getting about their response, as I don't imagine they'll still 'honour' the £60 'discounted' charge as by the time I've written to them and received a response it'll be outside the 14 days. Do I have a right to refuse to pay the 'full' amount of £100 based on the fact they have (presumably) written the wrong number on the ticket? Any advice would be greatly appreciated. Thanks

I have an A5 with an S-Tronic gearbox fault. The oil cooler has failed allowing engine coolant to flow through the gearbox, which has killed it. Diagnosed at my local Audi center last week, the car is a 12-Plate & Dealer service from New The cost of a replacement box is £12k with the car's value at about £14k The 3-year warranty expired in June 2015, however Audi still treat the car as "young", as it's less than 5 years old. Audi are saying they won't contribute towards the cost of this repair, I've raised it with Audi UK (callback tommorow.) I fully expect them to stick to their guns, I will then escalate to Audi HQ in Ingolstadt, Germany. Failing any joy with them, how do I stand, from a consumer-law point of view? I've been told that "reasonable use" with regards to a vehicle, correctly serviced at the Dealer, would be 5 years. The car is currently 4.5 years old. It also has only 28k miles on the clock, very low milage. My plan, if I cannot get it repaired by them, is to pursue a claim in the county court, but would like to know my chances of success. I've seen, in motoring forums, somebody turn an absolute "no" from the manufacturer, into a "yes", by pursuing them in the small claims court. Which I'm guessing, the manufacturer wouldn't want to go anywhere near, due to bad publicity? I feel like Audi should step-up & sort this issue, however it's going to be a battle.

My best friend recently died without making a will. His considerable estate will come to his father. My friend's partner lived with him for two years prior to his death. In that period his house was transformed by her from an undecorated hovel to a swish country house. I would guess that by her efforts and persuasion at a minimum, £75K would have been added to the value of the property. All the costs though were met by my deceased friend. My question: when the house is sold does she have any claim on the "added value" to the property which she was directly responsible for? Thank you.

My Ex wife has become pregnant, She has been working for her employers for just over 22 months, will she be entitled to maternity pay? Thanks in advance Leakie

Hi all, Long story, which I will try to keep short for you! I purchased a Humax Freeview recorder for £199 in Jan 2016 on my debit card. Over time it developed lots of faults, such as random crashes, missed programs, freezing and even not turning on. After researching the product online, I decided to take it for a refund - Lots of similar stories from other users. This was within a year of purchasing it. The girl on the till wouldn't refund to my debit card as the card I used to purchase it had been reported lost/stolen. I was made to take a refund onto a gift card, which I reluctantly accepted, thinking I'd buy another freeview box from them anyway. After reviewing the options, I decided on a £400 TV instead. Bought the TV and the picture quality was awful, with vertical banding (dark black lines) particularly on one side of the screen and generally poor quality image quality when compared to the 10 year old TV it was replacing! I took this TV back and swapped for another of the same - this one also produced a poor quality image, I got in touch with Argos via their live chat feature on their website today. The girl I was chatting to called the store that I got the TV from (FastTrack) originally and she came back saying they would refund £200 cash and £200 to my new debit card as long as I could provide the long card number and expiry date. I printed the chat transcript, called my bank to get these details and took the card number, the transcript and all my receipts into the store for my refund. They denied ever saying this to the girl at the customer service centre and said that they cannot refund to my card without the card, which I explained was impossible as it was reported lost/stolen! They wouldn't do it with a printed bank statement showing the original transaction either. They also said the store has final say on the matter and gave me an 0345 number for head office, which I called tonight only to be told I have to email head office as they were "only customer service, so we don't have the authority to override the store's decision". No phone number for head office apparently?! Has this happened to anyone here and where do I stand? I don't want to keep buying "blind" at Argos and would prefer to take my money elsewhere - somewhere I can actually see the TV in action before purchasing. Thanks very much in advance for any advice you're able to give before I write to Argos Head Office tomorrow Looking at their returns and refunds policy suggests the following can be used as a proof of purchase. All of which I can produce. WHAT COUNTS AS PROOF OF PURCHASE? Any of these: Till/kiosk receipt confirmation email e-receipt your order number If you can’t find one of the above, don’t worry. We should be able to sort everything out if you have: your card/bank statement the email address used to buy your item Hmm. Surely, as I can provide all the above (bar the stolen/lost payment card) proves I am the person who purchased the Freeview box to start with, so why are they not prepared to refund me?

Hi All I'm a long-term debt struggler, but I've made good progress over the past 5-6 years, some paid off, one written off, some on arrangement etc. Just when I thought I was getting on top, Lowell tell me they're sending the bailiffs round The original debt (Capital One) hasn't been paid towards, or acknowledged for a very long while (less than 6 years though!). I wasn't in a position to pay, due to other arrangements in place, so chose to ignore it. The idea was to eke things out until April this year, when two of my existing arrangements come to an end, then go to Lowell with an offer / agree a repayment plan. The bullet points of my issue are below, any advice would be hugely appreciated... 1. Moved house May 2015. 2. Lowell wrote to me at my NEW address September 2015, November 2015 and other letters. 3. Heard nothing until last week, when I received a Notice of intention to enforce, warrant of control etc, due to non-payment of CCJ registered July 2016. 4. I knew nothing of the CCJ, no letter before claim, no claim forms, no court papers, no nuffin whatsoever. 5. Papers were presumably sent to my old address, as that's where the CCJ is registered. In short, LOWELL pursued legal action without my knowledge, affording me no right to defend their claim, and no opportunity to pay within 30 days of the judgement, thus removing it from my credit file. The key point here, is that they had written to me on more than 2 occasions at my new address, then reverted to my old address when it came to the legal shenanigans. Can't see that this was anything other than deliberate. My credit file had been starting to shape up (slowly), but now it's got a shiny new CCJ on it. I'd be very grateful to receive your suggestions...

Avoid parcel2go Ltd terrible company, paid for next day delivery service, took 20 days to delivery. If you try and leave a review on Trust Pilot they report it, even though I have proof. Having to take legal action against them now, already gone to my bank to start chargeback, and starting court case http://www.moneyclaim.gov.uk If anyone else is having same problem, and interested in class action, please let me know.

READ MORE HERE: https://www.gov.uk/government/publications/manual-of-service-law-your-rights-if-you-are-accused