Hi, I’m new - after reading so many posts over the last few days I thought this may be the best place to ask for advice. So, last year my sister got caught receiving tax credit payments whilst her partner was still living there, she received a £300 penalty and was asked to pay back the £8k she received. A few months after this she did actually split with her partner and, to make ends meet (she has 3 children and works part time) she started a new claim as a single parent and started receiving tax credits again. She started seeing her ex again, he was staying a few nights a week and they were constantly on/off however he was providing her with financial support. A few days ago she received a letter from tax credits saying they suspect he is living there again and they now want bank statements, agreements for rent and council tax etc etc. Now officially they were on/off, and she did many times go to call them but then she’d split with her partner and wasn’t sure if they’d get back together etc and put off calling them as she was worried about money. I have looked through the bank statements during the dates TC have asked for as there are multiple payments from him which would look as though he was living there the whole time. My sister is absolutely petrified at what might happen, she’s calculated what she thinks they’ll want back and it’s around £6k. As this is her second offence, what might happen? If she’s completely honest and agrees to pay whatever she can back, would she get a penalty? Or as it’s now happened a second time, is prosecution more likely? I’m so worried for her, she has 3 young child (the youngest is 18 months) - any advice will be appreciated.

Hi, I purchased a Peugeot 207 from a reputable dealer (or so I thought) for just under £3000 just over six weeks ago. This car is on finance. The car broke down, the clutch has gone completely, just after six weeks and I have driven less than 200 miles in the car. The dealer are blaming me for the fault and are refusing to put this right. I have quoted the consumer law 2015 at them stating that they have to prove the car didn't have the fault when I purchased it. They are still refusing to deal with the situation and that I have to pay for repair. Now I am desperate to get the car back on the road as I use it to commute and to pick up my kids from my estranged spouse. Should I pay for repair and try to claim it back? Should I just cancel the finance? Any advice on this welcome. Thanks Oh and to name and shame the dealer this is "Crescent Cars" in Baldock Hertfordshire.

Hi All, I purchased a Galaxy S7 at the end January 2018 from Cash Converts for 250. It has been in a case since buying it with screen protector. Last night the screen has got a line through it . I looked at receipt and spoke with Cash Converters and they only offer 6 months warrant - No help at all. I am aware there should be a less expectation regarding the quality of second hand items and the fact warranty is optional. I am more interested in my rights under the CRA. A 250 pound phone should last longer in my eyes than 8 months! I have no experience with civil law. I just wanted to get a feel from people on here whether it is worth the effort pursuing this? With the fact it is a second hand phone. Thanks

Hi there, Yesterday I received a letter from Lowell & 118 (together in one envelope) that Lowell are now the new owners of a 12 month unsecured loan I stopped paying in November 2015. During this period I also defaulted on 4 loans with 4 different payday companies however by now I have taken care of all but this one. I fully intend to take care of the last of my mess which rules out the PROVE IT route but there are a few stumbling blocks before I can do so. After checking my credit report I notice a second default has been placed on my account. How do I go about getting this removed? After also checking my credit file I notice that the original default placed on my account by 118 was not placed until 28 months after the account went delinquent despite ICO guidlines which state that 'accounts should be defaulted 3-6 months from last payment date'. How do I go about getting the original default accurately recorded to early 2016? (Giving me a clean slate in early 2022) I would like to thank you ever so much for taking the time to read through this thread and any input will be greatly appreciated.

I Bought a second hand Audi a couple of months back, part exchanging my old car. We are not talking a brand new car here but then there's not much change from15k either. From my first dealings with the garage they always seemed friendly and helpful but communication was always a challenge in that I constantly got different information depending on who I spoke to. Messages were not passed on and emails not answered. Having finally collected the car and after a few communication issues, more problems began to arise. Within a few days the new smelling car started to have a foul odour and it was then that I noticed air fresheners hidden behind the seats, four of them. I stopped to get fuel only to find the fuel cap wouldn't open without being prised open. This fuel cap was covered under the warranty and after complaining they offered to clean the car if I took it back but as it's an hours drive away I declined this offer to remedy this myself. I had also been promised a second key (when it was located) and the service book to be sent on recorded delivery as it was 'away being stamped'. The car was purchased in January and it's now the end of March and I still have nothing even though I have phoned and emailed twice within the last week. They have not responded to my emails at all and as far as I am concerned I was sold a car with a Full service history and actually have a car with zero service history – which if true could be worth considerably less money. I did finally get sent the V5 document but unfortunately this was first sent to the wrong address as they didn't manage to type that in correct so this document is possibly void? Since then I have had another Audi's V5 document sent to this address with another persons name. I'm sure this is just another error from them and is clearly some kind of data breach? I have sent emails informing them of this but once again I have been ignored. I could phone them but as they just fob me off I'd rather keep my communications in writing even if I am being ignored. I really don't know what to do next and have no idea how I stand from a legal point of view? It can't be right that I can spend this amount of money and get treated so badly and although they create the illusion of a professional company I think it's fair to say they are complete cowboys. It's not great that I have been sent another persons log-book either, not sure what to do about that? Apologies from me for the lengthy message but any help or advice would be greatly appreciated! Thanks in advance.

Hi This is the second post I have going at the moment but I really need to clarify. Back in 2009 I took a second mortgage. I had a fixed rate for 4 years then went to tracker. After 4 yrs and credit crunch I said to the lender I would like to change my rate to be told I couldn't as it was a secured loan not a mortgage. I stated no its a second mortgage and all my paperwork refers to it as a mortgage. I now also own my own home Mortgage free (still own and selling the property with the second mortg,) in my paperwork it states I can transfer the loan onto the new property. I called them (The company who now own the second mortgage as it was sold which was in term and conditions apparently) I was told because I don't have a mortgage on the home I live in now I cant transfer it. They also say its a loan not a mortgage. They also told me it was covered by European Mortgage which I said it was under £25k so covered by CCA. I complained they agreed they were giving wrong information but I notice their paperwork no longer refer to it as a mortgage but loan. What can I do Is it a Mortgage or a loan. If its a Mortgage then I could have reduced the interest rate years ago. Are they pulling a fast one. The settlement figure means I am just in neg equity

Has anyone been asked to fill in a second full PPI questionnaire after completing their online form? I rang them up about this and they said that the posted questionnaire had some additional questions and this would help them to assess the complaint. I'm naturally concerned that this is another delaying tactic as they do seem to be going at a glacial pace. I also wonder whether they're looking for differences between the online submission (that they don't send you a copy of) and the new form. On balance I don't think I'll bother to spend another half hour providing them with information that I've already sent them.

Hello, Found myself stuck in a bit of a situation and feel over my head. Have just received a letter from Lowell solicitors in the post titled 'Second notice of county court judgment (ccj) arrears - £150' This is from an old debt from orange dated 2013 or thereabouts. i last received a letter from them in 2015 and have never contacted them in-regards to the debt. The letter starts We wrote to you previously regarding your judgment arrears, but we are yet to receive the payment as required under the terms of your CCJ. As a result you currently have arrears of £150.00 This is the first i have heard of any CCJ or any letter other than in 2015, the debt is for a small amount of £590 repayment is no issue, but i wish not to cause further harm to my credit file. I have checked my credit score on clearscore, no sign of ccj or any changed or listed debts etc. Paid and checked my name and address on registry trust,once again nothing registered. My problem is where do i go from here? Who do i contact? What do i ask? Why isn't this supposed CCJ showing on my credit file or the trusts website? My current address i have lived in 8 months and is registered to my name on electoral roll etc. Previous address i lived in for 3 + years. The letter further on threatens county court bailiffs etc attachments of earnings etc. Repaying the debt is no issue, what is important to me is my credit score. having spent the last 4 years rebuilding it i would like to keep it on the up. Ok so i have just checked my credit file in depth, i have just found this. What changed in August 2017 You are now on the electoral roll at your current address •You opened your LOWELL PORTFOLIO 1 LTD (I) •Your LOWELL PORTFOLIO 1 LTD (I) account went into default •You closed or settled your LOWELL PORTFOLIO 1 LTD (I) account When i check on noddle i am greeted by this active court judgment. Judgment date 20/06/2017 Amount £ 587 Court name County Court Business Center On the accounts page it shows an open account with Defaults monthly since the opening of this account. Looks like my credit score is shredded Thanks in advance guy.

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

Hi All, A friend of mine is having a problem that I'm helping with. He purchased a secondhand Mercedes sports car for £26,000 from what he considered a reputable car dealer (not main dealer)it was delivered Thursday 13th July 2017. They are FCA regulated (Ref No 658267 ) and a representative of (MBI) Limited (Ref No 312143) He paid £10,000 deposit cash and the rest on finance with Close, the first day he noticed problems which were reported the second day, he thought there were gearbox problems and noticed the active intelligent lights were not working. He was asked not to drive the car and either get it brought back or taken to a local garage to see the problem, he managed to get it into a Mercedes specialist on the next day - there was a 9 page faults list including electronics, possible not Mercedes front lights and engine misfiring on some cylinders. He did not drive the car as advised and called dealer supplied the report and asked for a refund, the dealer said he would consider it, I helped him draft a letter Monday 17th saying under the consumer right act - right to return, he would like the car picked up, and a full refund based on the independent report and his right to return a faulty car. I listed the main faults, I also noted the cost he had incurred in taking the car to garage getting home then having to pick it up again, he also had to pay for engine oil and other expenses. I sent this to the finance company as well asking for acknowledgment, they haven't as of yet. So far the dealer has refused a refund and said they won't accept responsibly until they have an independent report done, I pointed out that they have had that for 3 days. it's nearly a week and they have the car, the report, his money and he doesn't have any transport. Thoughts?

Ok, posting this on behalf of my soon to be sister-in-law. I've tried to get what I thought were all the pertinent facts but I'm sure there are things missing. Anyway, getting to the issue. On 28th April 2017 she purchased a 64 plate Renault Clio from a garage. When test driving the car it had flagged up it had a puncture via the pressure monitor, but the garage advised they would get this sorted. On picking up the car the issue had indeed been sorted so she drove away happy. 1 week later she took the car back to the garage for the first time due to a scraping noise when using the brakes. This issue was resolved by the garage and has not occurred since. 2 weeks after that the car once again came up that it had a puncture on the built-in pressure monitor. She took it to a tyre place to be checked but they advised all 4 tyres were fine and had no punctures. The car was taken back to the garage it was purchased from and then returned with the fault said to be resolved. Just yesterday however the same puncture notification has come back again, and so the car has gone back into the garage again. They've advised they'll check all the tyres and sensors to identify the problem and if needed replace the tyres. Obviously however she and my brother are losing faith in the car as it's now been back to the garage 3 times, twice for the same problem. The potential problem is that they're now outside of the 30 day rejection period. The car was paid for via trading in an old car, for which she was given £1,300, plus another £500 cash, and the rest is via finance. I believe this is Hire Purchase finance but I've not seen the agreement and I'm not sure who it's with. It's a type of financing where she'll own the car at the end without a balloon payment being required as you'd get with PCP. Basically I'm wanting to know what options she realistically will have on getting the car back if the issue happens again. Despite being outside of the 30 day window does she have any rights of rejection and to get a refund? If her traded in car has been sold would she be entitled to the £,1300 they paid her in cash instead plus her original £500 back? If they haven't sold the car and can return her old one, but she's offered less on trade in from another garage will this one need to refund her that difference?

Hello there, my wife received a letter from ParkingEye Monday 22nd May dated 17th May 2017. This is regarding an outstanding parking charge amount due of £100 from Holiday Inn Guildford with the alleged offence occurring 5th April 2017. My main concern is that my wife did not receive a PCN beforehand. In the letter it states that 29 days have passed from the notice of parking but this is the first correspondence received. I still have the right to appeal but only if there are mitigating circumstances as the initial 28 days to appeal have passed. I would just like to know if I have a good case, and if ParkingEye are able to provide evidence they sent out the PCN if it has in fact been lost in the post? Also to add to this, my wife believes that this is a new charge and did not see any clear obvious signage, although she is used to the car park being free. Either one of us will go back to the site to see what signage is in place although the alleged date is over a month ago giving ParkingEye plenty of opportunity to change/add signage. The letter reads: “We are writing to inform you that the requirements of Schedule 4 of the Protection of Freedoms Act in respect of keeper liability have now been satisfied and as 29 days have passed from the date notice of the Parking Charge was given, ParkingEye now has the right to recover any unpaid part of the Parking Charge from you, the registered keeper. The amount now payable is £100.00. This payment is required within 14 days to avoid further action. If this letter is ignored, further action may include referring to a Credit Reference Agency to confirm the correct address, instruction of solicitors to secure immediate payment, referral to debt recovery or the issuing of court proceedings, all of which could incur further costs which may be added to the amount owed. To avoid further unnecessary costs or action, please pay the outstanding parking charge amount as stated above or make arrangements for the driver to pay, in accordance with the parking terms and conditions. Further information including how to pay, the right to appeal ect. Can be found on the reverse of this notice. Please be aware that on the 4th November 2015, the Supreme court dismissed the further appeal lodged in relation to the matter of ParkingEye v Beavis [2015] UKSC 67. The appeal concerned the value of ParkingEye’s Parking Charges and the Judgment, granted in ParkingEye’s favour, delivers a binding precedent in respect of the value of the Parking Charge. The Judgment can be found by visiting the news section of our website and the article: ‘Supreme Court uphold Court of Appeal Judgment’.” Any help would be much appreciated, many thanks.

I purchased a car on the 08/04/17 from Jason Atterbury Cars in Leicester. It came with a clean MOT on checking out previous MOTs online I discovered some discrepancies. I took the car for a pre MOT check at my local testing station on the 29/04/17 they found that the car should of failed its MOT on 2 issues and also have 8 advisories on it. The car was MOTd by ther dealer on the 21/03/17 where it failed on exhaust gasses leaking and an advisory for the front shocker having a misting of oil. on the retest done on the 27/04/17 it passed as the exhaust had been welded and on asking about the shocker leaking the dealer said the mot tester wiped the oil off and it retested ok. All the advisories that it should have on it should of been on it since 2013 according to the MOT history check. I have reported it to VOSA and the AA as the dealer is part of AA cars. I called the dealer immediately on picking the car up and he said all he can do is have the car back and take it back to the MOT tester to let him have a look at it. I refused point blank as I can hardly trust the MOT tester that passed it in the first place to look at it again. I told the dealer he can have the car if I get a full refund(he rufused obviously) I'm unsure of what other action I can take.

Sorry its long just want to include all the details. On the 17th March I bought a 1.6 16v petrol Citroen Xsara Picasso 77k on clock from Trade Cars of Cleckheaton http://www.tradecarscleckheaton.co.uk/ for £1200 paying £700 cash and £500 on a debit card. On viewing the car when I first started it the car gave off quite a bit of smoke for about the first 30 seconds which cleared, the garage staff said, "it will be just condensation as its been standing for while". I test drove it and it drove ok apart from a front anti-roll bar needing replacing which I agreed to do so I bought it for £90 off the price. I didn't notice it giving smoke on first starting for first couple of days then when I did I monitored it for a few days and it was smoking quite heavily for about the first 30 seconds which then clears, and there was oil on the drive. I have monitored the oil level and it hasn't gone down. The oil leak was Power steering fluid coming from the steering rack. From Googleing the symptoms of the smoking I diagnosed it to be the valve stem oil seals, which when I got round to taking it to my mates garage he agreed and confirmed, he estimated about £650 to do the oil seals on that engine model, we didn't even discuss the steering fluid leak. He suggested trying some Oil Leak Stop fluid stating "it tends to either work or it doesn't with no inbetween" the can said it can take 200 miles to have its full effect. It was Thursday 30th March when I got round to contacting the garage after giving the fluid a chance (it didn't work). They insisted I contact Warranty wise and try and claim on the warranty, I told them they would not pay out but they still insisted so I submitted a repair request that was declined by Warranty Wise, the garage said they would now take it up with them and should get it through. This toing and froing took until Monday 3rd April when Warranty Wise offered me a goodwill gesture of £150 as they say the repair is not covered on the warranty I have been given by Trade Cars. At this point I emailed Trade Cars last night at 10pm stating I want to return the car in the morning for a refund due to it being of unsatisfactory quality and quoted the Consumer Rights Act 2015. I received an almost instant reply at the top in block capitals it said WITHOUT PREDUDICE, then : Dear Mr Leonard Thank you for your email. I will forward this to our legal advisor who will be in contact with you shortly. In the mean time we can not accept the return of your vehicle and suggest you await this response first of all. I telephoned them today asking when I can bring it back and the woman I have been speaking to said "we can't just take it back there's a process we have to go through our legal advisor should contact you shortly. One thing I am a little concerned about now is that when buying the car I was signing all sorts of stuff and counting money with a woman when a man came in and gave her a sheet which she asked me to sign and gave me a copy which I did not paying it much attention at the time it was a pre-delivery inspection sheet. Now the sh**s hitting the proverbial fan I have looked at it and most of the car is marked x for unsatisfactory, so much so it wouldn't get far at all if these items all had problems. I am beginning to get really annoyed about it and am thinking of taking it down there tomorrow and blocking the entrance to their lot with it until I get some satisfaction. Any advice appreciated thanks

I was on Incapacity Benefit at one time and years ago was sent an ESA50. I filled it in, sent it back, and was granted ESA WRAG, and never had a WCA. Now another ESA50 has arrived, and now I'm thinking they're going to haul me before a WCA this time. I'm also afraid that this means that my ESA has already stopped. Is this so? BTW, should I take my time in sending it back, or send it back as soon as I can? Should it also be Special Delivery?

Hi All My defaults are dropping off my file . Can a second default be initiated against any of them , either by the original lendor or DCA new or old. ? Or is it one default term per debt ? Thanks Andy

Hi there I am a Support Worker employed by a city council. I support someone with a very mild learning difficulty, but they are totally independent. They are able to cook, clean, self-travel, etc. by themselves, and our team is present 24 hours a day to ensure the service user does not make unsafe decisions about relationships, or get in trouble with the police for anti-social behaviour. They live in reasonably small, modern 2 bedroom flat on the 4th floor. The single bedroom is designated as the staff sleepover room. The flat is owned by a housing association, which the city council then rents. Therefore, the service user is not directly the tenant. We do not have guardianship of the service user. My question: The service user is a smoker of around 110 to 20 cigarettes/day. They choose to smoke inside their bedroom - sometimes with an open window but often fully closed up, particularly at this time of the year. If they are smoking in their bedroom, the smoke can be smelled by staff in the sleepover room - even with an open window. We have been told we have the right to leave their flat for 1 hour if the service user starts smoking. Upon re-entering after 1 hour, the smell of smoke is still noticeable. I understand 2nd hand/passive smoking is dangerous as its unfiltered, can linger in the air for many hours and the dangerous stuff is invisible. As I am working 12+ hour shifts each day in this environment, what rights do I have as a non-smoker? Should I join a union? Many thanks

Hi there people, I have bought on a part exchange a second hand car... All good to go...only that while driving home car stopped 2 times. I have stopped at the first petrol station and filled up a £25.00 as these guys would only leave you on red just enough to make it to the first station available. Anyway, to cut the story short I have called the guy ( trade ) saying that as the car has problems I will return it and would want my car back.... Finally done and dusted but when asked about the petrol money he said that he would not give me any money.... why??? The care supposed to be in good order as that is why I did go ahead in buying it. That should be something to be done in returning my money back. I know it is only £25,00 but it is a lot for me and they are mine.... Anything I could do in reclaiming them??? Thanks, dd

Hello everyone - I'm looking for some recommendations following a problem with an EE contract and phone. This is the current situation: My partner has a monthly contract with EE. Her phone stopped working so she took it in for repair under warranty. When it came back it was reported to be unrepairable due to water damage, even though it has been nowhere near water. She asked if she could buy a replacement phone to use with the existing monthly contract and was told by the guy in the EE shop that there was no way to do this because EE only sold phones for PAYG purposes not for monthly contracts. She was advised that the only way to solve the problem was to take out a second monthly contract to run concurrently with the first one, and let the first contract run out in due course. The second contract would come with a new phone. She felt pressured into doing this because she needed a working phone that day. My questions: Is it really not possible to buy a replacement phone from EE for a monthly contract? To be clear, she wasn't expecting a freebie and was willing to pay for the new phone. Even if for some reason it isn't possible to buy a replacement phone for a monthly contract, surely she could buy a PAYG phone from them and just transfer the 'monthly' SIM card? Is it usual practice for EE staff to advise customers to take out concurrent contracts? Isn't this mis-selling? Can we cancel the contract under the terms of the cooling off period? Thanks in advance

Hi I just bought a second hand car from what I thought was a second hand car dealer on Gumtree called West Cars. I bought the car on 6th Nov. I had only driven it a couple of times and it seemed fine at first but yesterday driving back from work the engine cut out on five separate times when slowing down at various junctions and it took several attempts to restart it. I also noticed a burning smell coming from the back of the car which wasn't there when I test drove it. The car was delivered to me at my home address. The ad said it was a good runner, had a long MOT and only one previous owner, all of which turned out not to be true. I have tried to Google the company but it doesn't seem to exist and having looked closer at the receipt, the car dealer is down as TW Cars. I have also requested a refund by sending a text to the contact number on GT but the guy refuses to give me a refund and more or less told me to F off. I have alerted Gumtree about this, they say they are unable to give me details of the company, but have temporarily removed all ads (approx 25) placed by this company. Does anyone have any advice on how I can get my money back when all I have to go on is a mobile number and two fake company names.

bought a second hand car from a person who actually sells cars and advertises them on the side of his house car got mot ok however when driving the car home saw that the mileage was not showing when i went to see it they said it was 100,000 anyway checked mot and last mot was 156000 got a m8 to check the mileage with a torch and it read 175000 what would you do????

Looking for some advice please. I bought a second hand car just under six months ago, it is on HP. I also took out an aftermarket warranty with Warranty Direct. The dealer gave a 3 month warranty but I know the company they use are rubbish so I decided to get my own. A few weeks ago it broke down. Had it towed to my local garage (didn't take it back to where I bought it as its quite a way from where I live and they have any proper workshop facilities). To cut a long story short the engine has been stripped right down, and the diagnosis is seized oil control rings. Warranty Direct sent an engineer out who has reported back to them ( I am getting a copy of his report) and they have refused to pay out as in his opinion the fault has been present since before I bought the vehicle and has just got worse over the time I've owned it. The car only has 77000 on the clock and has a full service history so no one had expected an engine of that age to have this fault. I'm now left looking at at £1300+ bill. Given that I have something in writing to say that the fault was present when I bought the car do I have a claim against the dealer and/or finance company? And if so how should I proceed? Thanks for any help

apologies if this is long-winded. Basically I have a hunch my vehicle has clocked mileage, there are some tell-tale signs like the wear on steering wheel. the vehicle came from Southern Ireland, so would possibly have had KM clocks, but now has mileage clocks and is in the UK, the UK MOT certificates show corresponding mileage to what the vehicle now has. I don't know if the vehicle came to the UK privately, or with a dealer of some form importing the vehicle/first MOTing vehicle. the vehicle was written off in the UK and I bought as a damaged repairable from a salvage site, which did have a disclaimer relating to mileage, the owner at that time would probably have been the insurance company. I have driven the vehicle for 18 months, and obviously spent money fixing the vehicle, so do NOT want a full refund or anything. Is it worth checking the vehicles computer for mileage history, etc. I haven't bothered to date, as I didn't think I had any course for claiming. Many thanks.

Hi all, I purchased a second-hand freezer for £40 from a second-hand shop two weeks ago. My father and I loaded it into the back of his car with the help of the shop assistant. We drove it home, unloaded it carefully and plugged it in. I threw some frozen food in there the next day and, a few days later, went to get it out. It was all melted, because the freezer wasn't working. We unplugged it, plugged it back in, fiddled with the dial switch ... Nothing worked. When I went back to the shop to tell them this (they offered a one-month guarantee that it would work), the manager asked me if I'd plugged it in immediately when getting it home. I said yes. He told me I should have waited 12 hours, as sometimes the gases in the freezer can be dislodged if it is laid on its side. A quick Google revealed he was right about this, but I asked why I hadn't been advised of this when I purchased it as it doesn't strike me as common knowledge. He went quiet and told me he'd get back to me. I called again today. He told me again that it was working perfectly when he picked it up and it was probably a result of me plugging it in immediately that has "broken it" and, once again, he's said he'll get back to me. I have no way of knowing whether it did work when he picked it up as it wasn't plugged in in the shop. I have no way of knowing if it was a result of plugging it in immediately that caused it to stop working. But I do know that I wasn't advised to wait 12 hours, that he's sold me a freezer that doesn't work and he's not taking any steps to solve the problem. I've had a look at the Consumer Rights Act, which suggests second-hand goods purchased from a second-hand shop are the same as those for new goods. My question is whether I have a leg to stand on if I was the one to "break it", even though the perils of moving a freezer weren't explained to me and we can't prove it either way. I'm trying to think of another example to use to get my point across to him that it was the shop's responsibility to instruct me on this, especially as they sell a lot of freezers/fridges, but my mind's a blank. I know it's only £40, but it's the principal and the hassle of having to move the thing again, then buy another one, move that ... and I'd like to prevent him doing this to other people in future. Any help would be much appreciated. Thank you, Capybara

Hi All, I had started a CCA process with Idem servicing with the OL being Citi Financial. I took out the loan in 2007 and have had a minimum payment going out. All payments have been stopped whilst my CCA request is in process. Idem promptly replied within the set time of 12+2 days with many copies of the signed contract with Citi financial, i just want to make sure that what they have sent is enforceable, if so should i resume my payments and send a F&F offer to them. I have uploaded the documents that were sent to me.