Hello, This is my first posting on this site. My Landlady and I are not on the best of terms. She was given the house by her mother, my first landlady on the basis that I can continue to live here with the rent based on what Housing Benefit would pay (despite which she has in the past tried to increase it by 150%). She is not happy with me living here (despite making nearly 100% profit) and would prefer if I moved out- which I can't afford to do and do not wish to. She keeps bringing people with her for her Property Inspection who have no legitimate business being here- I find their presense very intrusive- particularly as they wander around unattended (whilst I am with the landlady) practically measuring up for curtains! I've asked her not to bring extraneous persons with her but she thinks she has a right. Several members of her family I do not get on with at all and others of her friends are strangers to me. Can I legally prevent access to these people, and if so, on what grounds? She's due on Wednesday morning. I've a feeling she may be asking me to leave as it is the anniversary of the Shorthold Tenancy- the terms of which she has not adhered to- eg obtaining an annual Gas Certificate. Does anyone know if this is a condition for me to get Housing Benefit? Many thanks if you can help me with these issues.

Hi all, would really appreciate some advice on this. We booked some flights with a company a couple of weeks ago. Whilst getting quotes from them through email they made a few mistakes (wrong flight dates/times/flight numbers etc) but we persevered as they were cheapest but also as they came highly recommended. We paid a £100 deposit each and got a confirmation email from them confirming our flight details, which we checked carefully and was correct. A week or so later we supplied them with our numbers for the airline's reward scheme, which they linked to the flight booking for us. It was at this point we realised something was wrong. We got an email from the airline confirming the booking which had the itinerary on - the return flight was wrong. We'd booked a late evening flight with a 6 hour transfer half way home. They've booked us onto a flight leaving early morning with a 19 hour transfer. We also noticed that the email account this airline mail went to wasn't the one supplied to the company, when linking it they had made a mistake and swapped two digits round in the email address. It's absolutely pure chance that we also own this email address, otherwise we'd be none the wiser that our flights are wrong. We got in touch with the company straight away and told them that they'd booked us onto the wrong flight. They spent a few hours looking into it and got back to us saying that at the final page of the booking process, the airline is changing the flights but not alerting the booker to this - basically passing the blame to the airline. They're also saying that the price of the flights that we asked for has now gone up and so we will have to pay over £100 extra per person to change to those. Our arguments are that: a) the onus is clearly on them to check every page of the booking process (especially the all important final one!) and this problem is fully down to their lack of care; b) had we not (through complete and utter chance/luck) also owned the incorrect email address, we would be completely oblivious for months yet to the mistake; and c) the fact that prices have gone up since the original booking is not our concern, they should be covering this cost. We have tried to be as flexible as possible, even down to changing our holiday dates which would mean rearranging the accommodation and annual leave at work etc, but the owner of the company is completely unwilling to meet us half way - he is offering us flights on alternative dates which we've said we'll accept as long as the company is willing to cover the extra £15 per person cost of this, but he is flat out refusing. He's only willing to refund us our deposit (we'd then have to pay substantially more to rebook elsewhere) or transfer our flights at entirely our own cost. I have managed to find their terms and conditions online and I believe they have contravened quite a few of these (and that them cancelling our booking would also contravene these on their part). Where do we stand on this? I know that £30 doesn't sound a lot in the grand scheme of things but it's a lot of money to us and it's the principal now! Thank you

Hi, Could any one shed some light! I purchased a second property for my mother and it was non regulated, she occupied it 100% for 4 years. my lenders Solisitors instructed my mother to move out giving her a date to do so, she was told she had no rights to occupy or go to court for stay of eviction as she was not a spouse or child of mine. Dispite removing my mother, it took the lender 1 year to get a decree and another three months to repposses the property. Q. If the property had a regulated mortgage would she have had any legal rights? Thanks in Advance

I have a slightly complicated situation and I am trying to find out if I have the same rights as the other people I basically work alongside - both agency and directly employed workers - whilst I am employed by a 3rd party company who have a contract to supply someone in my position. The company we all ostensibly work for, I shall call K. My Direct employers are N. We work in a warehouse environment handling K's products and I follow out requests by K's staff to move trailers around the warehouse and yard (there is only only person there at any time to do this job, 1 day shift, 1 night shift) and I also operate K's forklift trucks carrying out the same job as K's directly employed staff and also agency employees. K even put me and another colleague through a forklift refresher course at their expense, just as they do with their own staff. K's direct staff and agency staff have kitchen facilities and a canteen, whilst N's staff (myself or whoever else is on duty) are now banned from these premises and relegated to the drivers room. I fail to see why K have the right to discriminate against people who are paid by N when we are essentially the same as agency workers. There are also delivery drivers employed by N, but as they are not classed working at the warehouse, and I know the rules governing delivery drivers are different and separate so I can see why there is a case to be made that they may not be allowed into certain areas, but when there is only 6-10 people working there on a night shift, all working together , sometimes doing the same job.... Opinions are always good, but some case law would be excellent Thanks for any help.

Hi, I have joined up to this forum in the hope that someone can give me some advice. My problem stems from my employer and the fact that I am on Long Term Sick Leave. I took ill initially in December 2011 with heart problems, however I was in the process of returning to work about 6 months later when I was diagnosed with cancer. Since then, I have had a couple of major surgeries and have been receiving treatment as I try to beat this horrible disease. I have quite a few of my insides removed and currently am not able to return to work, I am also still receiving treatment, scans and other hospital appointments. My current sick note will cover me until September 2013, however, it is unlikely that I will be well enough to go back to work even then. I worked at a call centre, so I never received anything other than Statutory Sick Pay for the first 6 months from them.I amnow receiving state benefits. My employer however still insists that I keep them informed, by attending monthly meetings to discuss my illness and to ask how I am coping. They even ask questions about who is helping me through all this, i.e my Partner and other family members. Are they entitled to do this, given that they are no longer paying any salary to me. The chances are that I will never be able to return to work, as this illness is taking a lot out of me, and I really do not need all the extra stress that they are putting on me. I just want to know what my rights are, and whether I can refuse to attend these meetings. If I do, what are my options and would I be better off resigning? Sorry for the long post, but any help would be appreciated. Pete....

dos any one know about subrogated mortgages and if the banks have to comply with a high court order made against a adviser in lincolnshire. were a mortgage had to be subrogated to the rights of the bank on a mortgage

Hi there, Hoping someone can give me consumer right legalities with regard a purchase problem that we are encountering at present ? A year ago my husband bought me a gift and paid online to a premier division football club the sum of £395 for a memorial stone to be placed in a pathway near to the ground with an inscription on it of my choice. At the time of purchase he was given a logon to the site and reference number in which to go in and type in the inscription to be placed onto the stone. The club would then email me when the pathway had been completed to let you know the position of the stone so that you could view it. Soon after this we left the country for a year for work related purposes and I stupidly forgot to go back to the site to register my inscription. I have since returned home tried to enter the site, but it says my reference is invalid. I contacted the club to request a new log on and have been told too much time has elapsed since our purchase, all the stones have sold out and the project is finished and they will not refund my husband's £395 - Can they do this ? My argument is that £395 was paid for a stone, place in the pathway and inscription - If they were not able to wait for an inscription they should at least have notified me that they would lay a bare stone....but it seems that they think we will be happy to just kiss goodbye to £395 without anything to show for it.....they have obviously resold my stone to someone else without informing me first, so in effect they have received 2 x £395 for the same stone. Is there anything my husband can do to get his money back and any consumer rights legislation that he can quote them to show that he has legal recourse against them ??? Many thanks for your help,

Hi, I have had my HTC One X for just under a year now and it has a 2 year warranty. I started noticing a problem with it that is known on the internet. I booked it in for a repair and they sent it back within 7 days. Almost straight away the problem was back so I booked it in for the second repair. They told me in the second repair they never done anything as they could not find a fault with the phone and sent it back. When I received it and turned it on the problem was still there. I contacted them and after speaking with a senior member and sending video proof of the fault they took around 1 week to decide to book it in for a third repair. I was just wondering what rights do I have here if the phone comes back to me still not working. (it is being picked up today for its third repair under 1 month) Can I demand a replacement or refund etc? All help is appreciated, Thanks.

I have been working for a company since 2006(since the beginning). I was employed by the company, but in August 2010 it was mutually agreed I would become a self-employed consultant of the company. This was a mutual agreement as my employer wanted the benefit of not paying PAYE, and it was 'sold' to me on the basis it would be more tax efficient for me. I was told nothing would change in the way of rights, holiday entitlement etc. I was on a commission based salary package, which simply rolled over when my status changed to self-employed. Gradually since August 2010 my 'package' has changed for the worse, and ive not had a leg to stand on, as I dont have any of the usual employee rights, although the understanding always was I would keep these rights, and the self-employed status was merely the status on paper, but in reality I would be an employee. Today I learnt that my boss intends to take away my holiday entitlement, on the basis that I’m self-employed and I have no right to this entitlement. Do I have any rights as a permanent self-employed consultant? I have been paid continuously by the company every month since 2006, and even my income states 'salary' on my bank statements. I have various emails/correspondence going self-employed which states 'salary', changes to my 'salary package' etc Thanks for any help in advance

I was wondering whether you may be able to provide me with some advice. A couple of weeks ago my mum was taken ill and is currently in intensive care. This has led to me having to give notice on my tenency in order to move back home and care for her when she returns home. My contract, from the term feb 11 - feb 12, has not been renewed, states that Ihave to provide two months notice to vacate the property. I did seek advice from a few people that work at solicitors etc and requested kindly to my landlord if he would accept one months notice. He informed me that he is a lawyer and knows his rights and that I was misinformed and for that reason I have to give two months notice. Under any other circunstance this would have not been an issue to me however I am percistant to learn whether I am actually required to give two months notice. Please advise as I cannot handle more stress and should I have to give two months I will have to deal with it. I look forward to hearing from you Kind Regards Sarah Jane

Right, a friend of mine purchased some computer software as a consumer not a business. The software is not faulty in any way just that it needs alot of setup and after research its going to cost about £1000 to get someone to setup for me. my friend had the free version of this software installed and looks really good so contacted a reseller to purchase a licence. basically, my friend cant afford to pay someone to set the software up so decided to see if he could cancel the order under the distance selling regulations. He has now been told he does not have a cooling off period under the act as its an excluded item. "Software" he contacted the company and they refused to offer a refund but offered to setup the software for him a a really cut down price. however my friend just wants to get a refund. the software licence has been activated using the supplied licence key. He paid using a Master Credit Card. can he get a refund from his card company

Hi Where is the best place to get on this forum to get advice on my consumer rights regarding having just bought a second hand car that has a fault from a car dealer. J

Hi everyone.... In an effort to give up smoking i ordered online an electric cigarette and 4 boxes of refills which amounted to £44 something which was debited from my bank account on 16th January. The product was advertised as first class post,but never even arrived. I have tried phoning the company every day for the past week and all i get is a message advising me to email.So i then send emails but still get no reply. My next option is to write a letter to them and was wondering what i could say or whether to contact the cab? I'm not good at compiling letters. But surely this company cannot be allowed to take my money and not provide the service? Any help would be appreciated. Kind regards.

Can anyone tell me what the law is on planning application time limits are? Do the council have to place a notice on the building that is the subject of the planning application and if so do they have to allow a certain amount of time between posting the notice and actually making a planning decision? Thanks in advance.

Hi there, id really appreciate some help with an ongoing issue im having that is stressing me out at the minute, any help would be great. I purchased an IP Camera from an online retailer for £280. The day of delivery i set up the camera but was very disapointed with the image quality and could not get it to reliably record events every time. If a security camera cant reliably record all motion events then whats the point. I spent the full day trying to get it working correctly and half the following day then packed it back up. I contacted the retailer by email on the day after delivery that i was wanting to reject the goods and cancel the order as not fit for purpose. 3 or 4 days passed and i had no response so I called and was told that my cancellation would be passed to returns department but another 2 days passed with no contact. I called again and was told that again my message would be passed to returns department and within an hour i received an email telling me that they cant accept the item back without manufacturers authorisation and I should take up the issue with manufacturer. Straight away i called back and spoke to someone, I asked why my order could not be cancelled as within the 7 days DSR. I was advised that as i had tested the item the DSR did not apply. I was also told that if i return the item they are unable to test and it will be returned to manufacturer and if they could not find a fault i would be charged carriage both ways and for their time. The guy again asked me to take it up with the manufacturer but i explained that a week had passed with no contact and after the stress of the item and dealing with his company i was no longer willing to spend more time on it. I left the call with ill think about it. I had a look on manufacturers website and the process to get support would take up a lot of time i did not have and would involve more waiting. I sent an email to the company including the following, and opened a paypal dispute as that was my payment method. Within 10 mins i had an RMA number and a courier arranged to uplift goods today (25th). Goods were uplifted and my request for paypal refund was declined with a note that the goods will be tested and if found to be faulty a refund given. Ive got a feeling the company are going to pull a fast one what if the manufacturer can not find fault with unit, am i really liable for all those charges? If the unit is indeed not faulty but just pants and not fit for purpose surely the manufacturer will not admit this and im out of pocket. Really need some advice on where to go from here, can escalate my paypal dispute any time but thought it best to wait until goods have been received back. Sorry for the long winded post but thought it best to get all details in there. Thanks

Hi there, I have a query on behalf of my mother who is a recent landlord (but has been very ill so I'm picking this up on her behalf): she has two tenants living in her property on a six month contract, with rent due on the 10th of each month. Two months in and the tenants are 9 days late on their rent. I spoke to one of them last week who told me that the other tenant has been in hospital, and all the rent comes out of her bank account, so if we haven't received it she can't do anything about it. I reminded her that it was a joint tenancy and therefore it is a joint responsibility to get the rent paid - she took my number and agreed to call me in two days with an update on the rent status. Since then, neither of them have been answering telephone calls or responding to polite voicemails requesting that they contact me to sort it out. Meanwhile my mother's neighbours/friends in the area have told us that one of the tenants has bought a new car in the last week, that unsightly rubbish is being left out for weeks on end, and that one of them has a boyfriend with a key to the property who also virtually lives there. The property is unmanaged which means the letting agents can't really do much to help, although they have been notified of the situation. As the tenants are not responding to any attempts to make contact - what is the correct (legal) way progress this? At what stage am I able to serve notice? Any advice would be very much appreciated!

Hi all, My mobile phone is out of warrany and was repaired in Septmeber. I paid for the repair, however the same fault has occurred again. I spoke to the repair company and was told the repair would be under guatantee, so I would not have to pay for it. The comapny are now saying the reapir was only guaranteed for 28 days, which has not elapsed. They have now said they have all calls recorded and will be checking back as to what was said, but the recorder was not working today (how convenient! - business speak for 'We need time to cover our backs while we see how we can get out of this!') I said that if a product is incorrectly priced in a shop, the shop has to sell it to me at the marked price, so in my case, if I have been given incorrect information, and that call is recorded, they should have to abide by the information they first gave. Am I right? Any advice/information would be appreciated. Thanks

So yesterday I signed a Assured Shorthold Tenancy Agreement with a local letting agent for a property. At the point of signing they stated that the Gas Safety Check had been carried out that morning and that everything had passed except the gas fire in the living room, this isn't a major problem for me as the property has Gas Central Heating throughout. On arriving at my new property I noticed the following issues: 1. The front door has dropped and there is about a 1/2 inch gap on the one edge of the door meaning cold air is leaking in. When I viewed property letting agent let me in so I didn't notice this. 2. Hot water tap in kitchen is defective meaning I have no hot water to clean in kitchen. 3. Several radiators do not work. I checked for air locks, opened thermostatic valves but again they do not work. 4. The electric shower is leaking internally in the plastic housing, I could clearly see water leaking out and could hear electrical arcing. So bearing in mind I only signed the agreement one day ago what recourse do I have? Can I request cancellation of agreement on the basis the house is not fit for purpose and the electrical shower is unsafe? I have emailed Letting Agents to inform them of these issues but am a little unsure of what rights I have.... Any advice would be appreciated....

Hi there, I bought a car that became unfit for use after 5 weeks (and this was a low mileage 5 year old car sold as 'in excellent condition'). I paid in full for the car. I have been patient with the garage that sold it to me but after a serious breakdown that put me at risk I am not prepared to use this car any more. I have drafted a letter to the garage but have not yet sent it as I wish to get as much info as possible before I do so. Here is the letter including a full rundown of events, and with some sensitive details removed. Any help or advice relating to this case/my rights would be much appreciated. Dear XXXXX Motor Company, Further to our telephone conversations on Thursday 6th December regarding the Peugeot 1007 - reg XXXXX - that I purchased from you on 24th July 2012. I would like to clarify the facts regarding my problems with car so far so that there may be no discrepancies. Additionally, I would like to state the law relating to cars that show faults within a short time of purchase. I am also concerned that after several telephone conversations, no arrangements have been made to recover the vehicle and you seem to have little interest in helping me at any expense your company. 23rd July 2012: Car viewed and test driven, selling price of £3000 agreed on the condition that I purchase 12 month gold warranty and a £200 holding fee paid by credit card, plus credit card fee of £5. 27th July 2012: Balance for car/warranty and tax disc purchased by debit card at £3068.50. Total paid = £3273.50. 2nd September 2012: 5 weeks after purchasing the car a serious fault occurs during trip into XXXXX which is 1 mile from home; the display states "Automatic Gear Fault" and the car rev's wildly, warning lights flash and the car goes out of gear and will not move. On this occasion I took an over an hour to get 1 mile home as I as had to keep switching the car off for 10 minutes, switching it back on and coasting for a couple of hundred yards before the same fault happened again. The next day you agreed to come and view the car and confirmed that it has a fault. You then towed the car away and had it looked at by two garages, one of whom was a "French car specialist". Diagnostic tests were run on the car (at my expense: £45) and nothing was found. The garage then simply "reset" certain computational elements and I was told the car was running normally and that I should come and collect it at my own expense. October 2012: On two separate occasions the car displays the fault and cuts out/won't start. Each and every time the car cuts out or will not move the same fault message occurs as on 2nd September: "Automatic Gear Fault". On the first occasion the car cut out whilst I was driving to work requiring me to think quickly and coast onto the hard shoulder of the XXXX motorway. The car eventually returned to normal, would drive and I arrived late for work. On Sunday the 14th of October I attempted to drive to the shops - the car would not start at all stating the same fault message as before and would not start for the whole afternoon. On Monday morning the car ran as normal. I reported these intermittent faults to XXXX over the phone (I can provide exact dates and time of phone calls from my itemised historical phone bills) and was clearly told to keep using the car and see how it goes. Mid November 2012: The car displayed the fault message whilst driving causing me to panic and pull over, however with the engine left running the car seemed to clear itself of the fault within a couple of minutes and I was able to continue on my journey. 5th December 2012: At approximately 7pm whilst driving home from work the car breaks down catastrophically. Exactly the same pattern occurs: although I am driving at a low speed, the car revs wildly, goes out of gear, beeps loudly and displays the message "Automatic Gear Fault". This occurred on the XXXXX when I was in the middle of three lanes of traffic at rush hour. The car would not move whatsoever and I could not even coast over to the hard shoulder, I was literally stuck in the middle lane of the dual carriage way. I put my hazard warning lights on and switched off the engine. I tried to restart the engine and immediately the fault message flashed up and the car would not move. I repeated this step again, trying to re start the car, to no avail. After about 15 minutes I became very distressed and tried to call my parents; at the same time a police man who had been stuck behind me came to my assistance, saw that I was extremely upset and stopped three lanes of traffic while he pushed my car to the side of the road. He gave me a police reference number for the incident and told me to phone my breakdown recovery service, XXXXX Rescue, then he had to leave. I called the breakdown service and although they gave my rescue urgent status due to my being a lone female, on the hard shoulder at night. Due to the snow that day XXXXX Rescue were only able to offer me rescue at midnight - 4 and a half hours from the time I phoned them. I called them repeatedly in the intervening period and still was not able to get assistance any sooner. I asked if I could leave the car and get a taxi home and was told this was too dangerous (to leave the car on the hard shoulder) and I must accept rescue "as soon as possible" rather than pre booking it. I tried to call various taxi companies for a taxi that would take me home for a couple of hours and bring me back to the car for midnight. I was told that the soonest taxi that could collect me would be at midnight as they were also stretched. At this point I had no choice but to sit in the car for nearly 5 hours, alone in the dark and freezing cold and await rescue. This was extremely frightening, my safety was put at risk and it is all due to a recurring electrical fault that you have as yet been unable to fix and was present at the point of buying the car (see the Sale of Goods Act 1979 below for clarification of this point). XXXX Rescue arrived just before midnight and were unable to get the car moving. I was told that under the terms and conditions of my cover I could only be recovered to one destination (at this point I was desperate to go home) and that as the car was deemed faulty and unfit for use, I must not drive the car again until the fault has been identified and fixed. If I do drive the car again it is "on my own head" and I will not be rescued under my policy. As you can understand I am not prepared to put myself at risk again by attempting to drive this car. 6th December 2012: I call your company and speak to XXXXX in the morning to explain what has happened and that I am not prepared to drive the vehicle. I am told to await a call back. XXXXX then calls me back and asks if I have attempted to drive the car this morning: I explain that I have not and am not prepared the drive the car until it has been fixed. I also remind XXXXX that the car had minor faults in the period between the major breakdowns on 2nd September and 5th December and in no way has the original fault been eradicated. XXXX tells me that "normally people would just take a car that breaks down to the garage" and that his only advice is that I take the car to Peugeot at my own expense. I am offered no other help. At lunch time I call XXXX back and explain that I am I unhappy with the response so far as the car has been faulty since "Day 1" and I have been through a very frightening ordeal. XXXX states that I should have been in touch after the minor faults occurred in October and that XXXX Motor Company "have not heard from me up until now", somewhat implying that the events of the night before are somehow my fault for continuing to use the car and not getting in touch. I quickly correct XXXXX and state that I did get in touch after the more minor faults and was told to "see how the car goes" and that this must have been forgotten about. After repeatedly stating that I expect more help than has been offered, XXXX offers to contact the Peugeot Garage on my behalf and book me in. I state that as this fault is the responsibility of XXXXX Motor Company and that I expect : 1) Recovery the the nearest Peugeot garage at your expense, any other costs outside the 12 month warranty to be covered by yourselves and the provision of a courtesy car at no expense to myself OR 2) For you refund me for the car and keep it off road until it is thoroughly fixed before selling it; enabling me to purchase a safe vehicle. I also explained to XXXXX that if I am unable to travel 25 miles to work every day I may face losing my job, and that since I live in the countryside, public transport is not really an option. XXXXXX then offered to see if the Peugeot garage will waive any diagnostic fees and provide a courtesy car for me at their own expense. I state that I feel it is not their place to do this but I am happy for XXXXX to ask. I am not offered a replacement vehicle by XXXXX Motor Company, nor do you offer to cover any other costs. I texted XXXXX my registration number in the the early evening, on his request, and have not yet heard anything more from XXXXX Motor Company. Under the Sale of Goods Act 1979 if a fault occurs on a vehicle within 6 months of purchase it is deemed that the fault was present at the time of purchase. As such I am entitled to ask the garage to repair the vehicle or to refund me fully. If a fault occurs so soon after purchase the supplier is in breach of contract for supplying a car which was not "of satisfactory quality" or did not remain so for a reasonable period of time. Furthermore, I am also entitled to ask for a replacement car or hire car whilst we are in dispute. If the dealer declines to do this then I can recover any costs incurred for hiring a vehicle and add it to any future claim. What I require: 1. The speedy and satisfactory repair of the afore mentioned car at your expense, which entails identifying and eradicating the root cause of this persistent fault. I also expect a courtesy car at no expense to myself. 2. If satisfactory repair is not possible I require a full refund of all monies paid to XXXXX Motor Company relating to the afore mentioned vehicle. To date I have paid £3318.50 to XXXXXXX Motor Company for this faulty vehicle. I require you to respond within 7 days of the date of this letter (date as postmark). In your reply please provide a clear indication of how you would like to proceed in terms of repairing the vehicle speedily. Otherwise I will request a full refund under the Sale of Goods Act 1979 . The vehicle is currently located at XXXXXXXX. You are welcome to view the vehicle. Please inform me in writing beforehand so that arrangements can be made. I will accept an email as written notification and my email address is XXXXXXXXXX. Once an agreement has been reached to the points contained within this letter, you are welcome to return the vehicle to your business premises (at your own expense). Once again, I am claiming for either a speedy and proper repair to this vehicle - and you must notify of your plans to do this within 7 days - or I will request a full refund, taking further action if necessary. I hope that you will enter into a sincere dialogue about this matter and I am writing this letter to you on the assumption that you will prefer to deal with this matter in a reasonable fashion, rather than the need for further action to be taken. ********************** Any help appreciated as I am pretty stuck and feel I have been sold a dud. Thank you.

MY son got a £60 fine 2 years ago for driving without an MOT. Due to family circumstances he and his family had to move and he forgot all about it. Today he has had a letter from the Marsden group saying that the bill is now £300 and every time they write to him it will put more money on the total. He contacted the group and told them that although he could not pay what they were asking he had worked out how much he could pay a month and made them an offer which they have refused. He spoke to the magistrates court who told him the debt had not been sold but had been consigned to Marsden. The action taken by Marsden has almost pushed my son to the point where he would just drive his car off a cliff and it is only his young family that keeps him focused. What can he do.? What rights does he have and if he makes a reasonable offer of payment are they allowed to refuse it?

Seems we are getting various issues with 1 thing or another at the moment!!!. I got an LG tv from Richer Sounds 3 weeks ago from there clearance lines in what they call "open box" in what could be either ex-display, customer return or manufacturer repaired etc. In fact the staff in store said it was ex-display and they used to use it the same store I bought it from, funny how the store never noticed this problem. It was sold as coming with the full manufacturer 12 month warranty and I was\am intending to get the 5 year cover in the new year. But I've now noticed in the last week that this tv has some major issues with a sound delay. Not a video delay but a sound delay thats become very annoying. This problem does vary but tends to be more notable on playback than actual broadcast. I feel I've tried and confirmed that no other device is causing the problem and that the issue is therefor 100% the tv. I've beed researching the issue for info and a fix during the day and it seems thats it's not possible from what I can tell with only a slight possability that there is a setting in the service menu that might fix it but I can neither access the service menu (only for LG repair people) and it would probably invalidate the warranty to try myself anyway. Google research indicates this is a known problem with a certain number of various models of tv from LG. Research also indicates that when owners contact LG themselfs about the issue that LG try to deny having any knowledge of the issue and other factors must be causing the problem even though a google search of LG tv sound sync\delay problems proves otherwise. This denial of knowing of the problem by LG may make even going via Richer Sounds themselfs a problem if Richer Sounds dont know of the problem as such and try to get information or confirmation from LG themselfs prior to confirming if there is an issue to warrant a repair which on a 47" tv is an on-site cover so thats a concern about being fobbed off by either Richer Sounds, LG or both due to a possible denial of it being a problem by LG. Also assuming Richer Sounds do come out and verify the problem what rights do I have with reguards to a repair or a like for like replacement?. According to Richer Sounds (as said in store at the time of buying the item) if a problem cant be sorted or fixed I'd get a like for like replacement. But this tv was as said in a clearance sale due to being what they call "open box" it was actually very cheap for a 47" tv. Richer Sounds dont stock that model any longer and it seems LG dont make that model any longer either so a repair may well probably not be possible as everything has moved over to LED instead of the non LED back-lit that out tv is. The next nearest like for like in the same screen size would cost near £300 more retail price wise. The nearest price wise is only 40\42" screen size (due to using the newer LED technology) and I'd not call the screen size difference like for like in the slightest. So under these circumstances and assuming it cant be repaired for various reasons what options or rights do I have because I simply cant live with this sound delay problem even though it's a cracking tv otherwise but I will be calling Richer Sounds in the morning and simply wanting to know my rights and options over the issue before hand.

My husband has a possession hearing on our home, He gave HSBC a director’s guarantee on his business that failed. He bought the house with a normal mortgage 4 years before we got married, and started his business 5 years after we were married Our home and mortgage and his directors guarantee is only registered in his name. He extended the mortgage to provide funds for his business and gave the guarantee. Do I have any rights? and what should I do, We are still married (just!) and have school age children also Please advise me

On the 14th of November I purchased a 2007 Mazda 6 Sport 2.0L Diesel (143bhp) from a car dealership. On the day of purchase I drove the car away and found that there was no power being produced by the car and it struggled to get up to 80mph. At first I thought maybe I was imagining the problem so I put it to the test. The listed 0 to 62mph of the car is 9.5 seconds so I tried this and could only manage 21 seconds so right there and then I knew it was broken. When I got home I emailed the dealership telling them it was broken and that I would like my money back as the dealership is 65 miles away and would be a nightmare to get home from using public transport. I told them I was not happy and wanted a refund. They told me that I could not have a refund and that I must allow them to try and fix it. Reluctantly I agreed as I have been getting conflicting advice on what my rights are. So I asked if they would be able to give me a loan car while the car was being looked at to which they replied no we do not give loan cars. They have offered me no help what so ever and I have been left without a car for who knows how long. So the next day I drove the broken car the 65 miles back to them. The salesman agreed to take me to the train station in the Mazda. As soon as he started driving it he said it is definitely broken. I then had to catch 4 trains home at a cost of £30 and 4 hours. So anyway the salesman assured me that the car was booked into a local garage for 9am the following day and that he would call me as soon as the garage had diagnosed the problem. The whole day passed with no contact from the salesman so at 5pm I rang him. He told me that the garage could not identify the problem and that an auto electrician was going to take a look the following day (Saturday). This further annoyed me as I have had to call them at extra cost to me when he promised he would call me. I did a little research and I found some info on the Trading Standards website stating that I don't have to accept the offer of repair and that I can reject the car. So I emailed the dealer stating my position again and they emailed back saying they will let know when the auto electrician has looked at the car. So this morning (Saturday) they told me the auto electrician could not find a problem with the car and that an "expert" was going to look at it on Monday. They said I could not have my money back again. I had a big argument with the owner of the company but we got nowhere. This is causing me a great deal of stress. Not once have they offered me any kind of assistance or compensation. The car is clearly broken and was that way when I bought it. They will not budge on their position so I need to know what I can do. What are my rights and what can legally be done to reject the car? Do I need to let them try and fix it? Or can I just demand my money back? I have been told by various sources that because I asked for a refund straight away then the dealer should have given me one. He has bullied me into repairing the car. Hopefully someone will know the exact things I need to to know. Thanks for your help guys!

One of my debts has been 'transferred' from Santanader to Viking (their own in-house DRA). If my repayments were current, do they have the right to re-negotiate my payment schedule, or do they have to carry on with the original payments as agreed with Santander

i have worked for my employer for almost 24 years on a part time basis,between 5 and 10 hrs per week.i have never had a contract in all that time.they pay tax and NI from my wages and i get a wage slip. some untrue allegations have been made against me,and i'm currently facing some kind of disciplinary proceedings. i need help with deciding if i'm an employee or a worker.and what rights or protection do i have?they have said to me that as i'm not an employee,then they do not need to follow any disciplinary process. they have wrote to me and asked for a response,i replied.they have now wrote back asking me to attend a meeting to discuss the matter further. any help would be very welcome