Showing results for tags 'under'.
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Hi, Everyone, first off, apologies if this is in the 'wrong' place, but was really unsure where to post this. step son purchased a bike from Halford back in Feb this year (2017) for £750, not a small sum, he has experienced a few issues, but more recently, he has been having issues with 'loose' pedal arm/spindle, I am not sure what the technical term is, the bits that go through the frame and the pedals are attached to! Well this part has become loose, he has been in a couple of times to have it tightened up, again today he had to take it in, the guy that spoke to him has said that as far as they are concerned, it is classed as general wear and tear he has to pay for the parts as the warranty does not cover such things. This is nonsense, first off, he only used it 2-3 of times a week to get to and from work, which was the reason he bought it in the first place, on the bike to work scheme (I think that's what its called) after around 4 months he suffered quite a bad a leg injury, which meant he could not walk properly and could not ride at all, the treatment and healing has so far lasted for about 14 weeks and he has only recently, in the last 2 weeks, started to use the bike again, 1-2 times a week as the doc said it would be ok as long as he did not overdo it. I wholly believe, this is absolute nonsense, and that Halfords are shirking their responsibility to repair this bike under the warranty. What I would like to know from anyone who has more knowledge in this area than myself, is what we should be doing (in the right way) to convince and persuade Halfords that they had better step up and sort this out, and if they won't, what do we do about it. I have done some reading but as often is the case, some of it confused me more than helped, so am asking for some guidance and direction on where to start looking and pointing and what actions to take and follow up with. I thank everyone in advance for their time and very much look forwards to some input and am happy to answer any questions anyone may have. Mr Brooks -
It is a bit of a long story so I will stick to the main issue: I requested a charge back from Nationwide within the correct time scale. Each time I wrote to them I sent it recorded delivery. The first letter, was signed for but not answered, so I complained. They asked me to send the full complaint again, which I did. They then said they would reply within a set time scale. They did not. They then said once again, they would reply within a set time scale. ( 3months now passed) They did not, so I issued county court small claim against them. This morning, I have a letter saying 'sorry', but as I now have issued a Small Claim against them, they are cancelling my claim for 'charge back under Section 75'. Can they do this? Surely it is my prerogative to pursue them both directly and through the court. Is there any reason why I cannot insist they deal with my claim under Section 75 whilst awaiting for the small claim to take it's course? Hope I am making sense. -
hii i have been caught in john lewis store for shoplifting of £42 been stopped by security and they had called police was told will be called by one of the colleague i had a called and been interview under caution was having no idea about that yesterday had interview but was not aware of all this i had admitted that i had done it as i did it so dont want to get a penalty and a note: i had been caught shoplifting before and had paid a penalty as dont want to risk it but i m being destressed after this so kindly need your help like how much time for investigate and what's the result type thanks -
Hi All, Just want some advise on where I stand from a consumer side of things, I purchased a HooverDXCC5962B_BK Washer Dryer in Black from AO on the 01/04/2017 for when we moved into our first home and last week it came up with a heat sensor error code (E11.) It washes but no longer dries (luckily I kept our old dryer in the shed so have been able to dry larger items) I made AO aware about a week ago of the issue and they passed me onto Hoover, so I dealt with Hoover and they sent someone out yesterday to repair the machine. He turned up on time (always nice these days) and replaced the sensor in about 15 minutes, so assuming it was all sorted he left. My partner then put a wash and dry load on before she left the house, on arriving back the error code was still there So back on the phone to AO who this time didn't automatically put me through to Hoover as it was out of their opening hours and I was told I would have to wait for her to call Hoover in the morning to arrange another appointment to have it repaired, I said that's fine and we agreed an appointment. I then asked what happens if this second repair doesn't work where do I stand as I don't want to be waiting days at a time for an appointment as I can't take any time off of work and my partner works shifts so timed / all day appointments can be a bit tricky, I was told that I would have to have Hoover out a "few" times to try and repair it if the previous repairs don't work. In legal / consumer terms what would be considered a "few" times before I can ask them to just replace it as it obviously isn't fit for it's purpose ? It wasn't a cheap machine and I don't want to be passed around in the middle of the two companies trying to get it sorted. Thanks in advance. -
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
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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 -
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? -
I bought a car from stoneacre in 2014, i have 3 year warranty with vauxhall until september this year. My engine has failed on the motorway with no warning at all. We have had the car serviced and the book is stamped. However we lost our invoice, the garage cannot provide an invoice due to not having it on their computer system. genuine parts and oil was used. Now vauxhall are telling me that the engine wont be repaired under warranty due to not having an invoice however the book is stamped. can anybody advise me on what to do? thanks!! -
Hi Under the new laws I see that fines are still allocated as a percentage of your weekly income. I was just wondering if anyone knows how this is defined for a student? The only money received is through loans and grants with no part time work. Regards Lewis -
Hey, I am trying to sort out my finances and the car is massive chunk. We took the loan out in Oct 2015 and has been paying £424 p/month of which just over £150 is being used to pay the capital - the rest is interest. When can I ask to return the car and where does the half way point hit ? is it once half the loan value has been paid (half the cars purchase price) or once have the total loan value (inc interest) has been paid? Many Thanks Scott
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https://www.theguardian.com/business/2017/apr/16/scrap-diesel-cars-for-cash-says-influential-committee-chairman This looks interesting. It looks like it might be means tested, but Theresa May has taken into consideration that Tony Blair's government pushed diesel vehicles - -
All documents are here: simple procedure 2023 WWW.SCOTCOURTS.GOV.UK Below are those relevant to DCA/Debt Buyer Claims with specifics highlighted within them. Some interesting musings... It is heavily directed toward the claimant/respondent dealing with this via ADR outside of court There are no immediate court hearings/if any at all...the sheriff is directed to read the responses by the claimant and the respondent and decide what should happen. it is very much geared toward Mr Joe Public, with NO legal knowledge needed, to represent themselves and be helped and NOT be disadvantaged by the sheriff nor the Claimant in legal matters. they must explain and help the respondent in legal matters use the response form 4a PDF attached to post 2 or 3 to plan out you response use the online website: hit respond in blue from here: Welcome to Civil Online Gateway (scotcourts.gov.uk) to fill it in online. -
Hello All, I had a Beko Fridge Freezer delivered on 18th February and as advised, left it for 8 hours before switching on. On turning it on, there were strange sounds, some clicking and loud screeching sound, a bit like a cat being strangled. I called Currys and was asked to talk to Beko, which I did. I was told this could be due to gases in the system and that I ought to wait a few weeks. It is now coming up to a month and the noise has not stopped. I asked for a Beko engineer, who came out today and said this was not faulty but the sounds were something found in the frost free type fridge freezers. While he acknowledged that it was problem, said nothing could be done as it is not listed as a fault. I have called Currys to say that under the Sale of Goods act I wish to return the item. The have replied that it is now a used item and also as they cannot power the fridges in-store , the noise is not their responsibility. Any suggestions would be most appreciated. Thank you.
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Hi there, Please help me. I'm terrified right now. I received a letter out of nowhere yesterday saying that I was being investigated and interviewed under caution for alleged undeclared work. It is in 2 weeks time. No other information than that. Just that it would be under caution. I feel like a criminal when I read that. Of course I rang up to say that I would be attending - the man on the phone was horrible and cold and downright rude - refused to give me any more information. I am signed off work long term sick due to mental health problems and currently on ESA (have been for many years) as wellas housing benefit and council tax benefit - I have had mental illness problems since my early teens but I had a nervous breakdown last year which made things a whole lot worse. My head went totally west. My partner looked after me single handedly for the whole of last year. He worked for two weeks so we could have a Christmas because of the horrible year we both had, even though he was not fit for work at that time. My partner is named on my ESA claim and worked 2pm-10pm Monday to Friday for 2 weeks from the end of November until mid-December as he also has depression and anxiety and really couldn't do it anymore. I sent the DWP the payslips as soon as he had finished work in December. I heard nothing back from them so I thought they had received them and everything was okay. I sent the original payslips which I realise now was a really bad decision as I can't now resend them. I wasn't in the right headspace during this as recently I'd had a total mental collapse - I was in a really bad place. I automatically assumed they would get them so sent them as quickly as possible. He has worked every Christmas since 2014 for no more than four weeks a time and hasn't had any employment other than Christmas work in a financial year. We have always sent the payslips. Always heard nothing back so assumed we were under the threshold that we can earn and that we wouldn't have any money deducted because of this. We are not criminals. Neither of us have ever had a criminal record. I'm terrified of going to prison just because for some reason they must not have received the payslips. I can't sleep right now because of the fear of going to prison. There was no fraud or deception involved. That wasn't our intention at all. Far from it. We have always been honest from the start. I made a stupid decision by sending the original payslips that I can't now resend and I was neglectful with that because of my illness. I am still on diazepam and have been for 11 months since my breakdown (as is my partner more recently) and also I see my psychiatrist every two months as well as my partner is on the waiting list to see a psychiatrist. I/We don't deserve to go to prison because the payslips were lost. I always assumed that no news is good news and that they would write to us if anything was amiss. If they have lost the payslips - I don't deserve to be sent to prison because of that. We don't have the money to hire a solicitor and we are pretty much estranged from both of our families so we have to go through this alone. We really need some advice. To receive a letter like this is really scary and this has made me really paranoid that the DWP have been watching us because of the new Snoopers Charter. Any advice would be greatly appreciated. Terrified right now. This is a big part of why I am awake at 4am in the morning. I just can't sleep through fear of them sending me to prison for this. :|:| :frown: Please help because I am at my wits end. Only positive responses please. xxxxx -
Hi Guys, Need your advice on this unusual problem. Sorry story is a bit long. I’ll spilt it by bullet point to make it easier to read: 1. 23 Dec 2016 – went to the store made small purchase requested £50 cashback. Was deep in my thoughts. Felt a bit awkward at the end of interaction with cashier who started behaving strangely by completely ignoring me and started chatting with colleague. After packing few purchased items I was waiting patiently not realising what for. Felt as something did not finish - no eye contact from cashier, no thanks / goodbye. I’ve felt a bit strange and waited for much longer that socially acceptable in such situation and then left the store without exchanging a word with cashier. 2. Few day later realised I did not had my cash. As I was not out of the house since visiting store I could not have spent it or lost somewhere. 3. Waited for store to open again and went to speak with manager on 27 Dec 16 to ask them for my cashback and checking CCTV to confirm it was not given. Duty manager said he cannot view CCTV but checked till for that day and there was no extra cash in the till. He also found small receipt with my signature that confirms I’ve received cash. Signature seemed to be mine but I do not remember signing it nor receiving cash. 4. I’ve got my receipt with cashback on it. I am guessing I was asked to sign small slip confirming I was given cash and then was given my store receipt. That triggered me into thinking I got what I needed and made to forget about my cash by cashier starting to completely ignoring me. 5. I’ve spoken to customer services and same manger again who were pointing at each other saying I need to request CCTV footage and pay for it and that only store manager / area manager can view CCTV. 6. 6 Jan 16 spoke to customer services who then spoke to store manager who then checked till records again stating no extra cash was reported on that day. 7. Managed to speak to store manager in person on 6 Jan 16. Did not get much was just fobbed off making it sound it was my fault and I should have checked cash in store and they conducted their investigation. This person was quite elusive did not wanted to talk. Said nothing I can do. Both managers felt a bit arrogant almost as if they were saying good luck with that! If you know what I mean. 8. 6 Jan 16 stated electronic communication with customer services sending all above information via web form. Starting message with I am making formal request for CCTV footage under Data Protection Act 1998 confirming I am happy to pay for it. Providing all relevant details timing till number etc. 9. 18 Jan 17 sent them all above information in registered letter. 10. Did not get any response for around 10 calendar days and called them again to chase up for reply. 11. Received reply on evening of 20 Jan 17 (Friday) stating they passed for investigation to area manager. Provided instructions for requesting CCTV and how payment should be made. Advised that I need to contact police if I felt there was theft. 12. 20 Jan 17 I replied via e-mail and asked to place hold on the footage to ensure it is not overwritten as I’ve read somewhere that their retention period is 30 days. 13. 21 Jan 17 (Saturday) send request for footage as per their instructions. 14. 26 Jan 17 received letter stating request is outside of system storage capacity. 15. Chased them up for finial outcome of area manager investigation knowing what they will say. 16. 16 Feb 2016 Received response stating CCTV has now been overwritten they conducted till review and no extra cash was found. Nothing else they can do and I can contact the police. My view on that is that they ignored my initial request under Data protection act sent to them on 6 Jan 17. Purposely delayed providing instruction for requesting footage and timed it so that I have 0% chances of making it successfully and that it reaches them before 30 days retention period to cover up for their employees. I’ve seem to exhausted my option to get this resolved with the company and looking for advice on taking this further. I feel up to taking them to small court claiming for postage, petrol cost for number of trips inconvenience and original cashback. Just wanted to get your views on chance for success and some help with small court procedures if will be going that way. Thanks for reading! -
Hi all I'm new here and desperately seeking some advice. I've phone 3 local solicitors and not 1 has got back to me. Anyway, I have received a letter from the jobcentre asking me to attend an interview under caution about my claim for income support and that they want to talk to me about a partner I live with. Now I only claim income support as I live in my own home which is a joint mortgage with my ex partner. Now, I'm thinking this could be 1 of 2 things. Firstly I have a boyfriend who comes over and stays every now and then. He had his own place until November last year as he couldn't afford to live in a for bed house on his own so has moved to his sisters. His name is on no bills at his sisters address except his driving license and his car insurance. Now the other thing I think it could be and am pretty sure it could be, is like I said I have a joint mortgage still with my ex and it's for the house I am currently living in. We sperated due to domestic violence. He was bailed to his parents address in 2015 (he didn't change his address over to there if I'm correct). Sometimes he paid the mortgage and I paid the bills and a few months I paid money into his account towards the mortgage. He tried to get me off mortgage and then tried buying me out so the bank only wanted him to pay the mortgage for xxxx amount of months and told me not to pay anything for mortgage. He met someone else in that time and moved in with her around Feb/march last year. We came to an agreement that I would stay in the house (we have a physically disabled daughter and the house is fully adapted to meet her needs) we agreed I would pay £400 a month towards mortgage into his account and the remaining £250 would be a maintenance payment but used to make up the rest of the mortgage payment. We agreed it to be paid from his account as it's easier for it to come out as one lump payment each month and he sends me a screen shot each month. The life insurance and home insurance are still in both our names for obvious reasons. Any advice would be gratefully appreciated because at the moment I've got no where with any legal advice and the interview is on Tuesday morning.
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My wife purchased a Logik TV from PCW 31/08/2016 for £79-99. Yesterday 13/01/2017 there was a "pop" and the TV no longer switched on - browsing the internet I find it is a common fault with Logik TV for the power supply or motherboard to fail in this way. Visitng PCW in Coventry I was told I HAD to allow them to repair the TV and COULD NOT ask for a refund on the grounds the TV was "not fit for purpose". Their policy is that they MUST attempt a repair . Is this true that under the SOGA I HAVE to allow them to try a repair before I am allowed a refund. I remember once reading that after you had allowed a repair you were no longer allowed to ask for a refund. Can anybody enlighten me as to what action I am allowed and whether I HAVE to allow PCW to repair a TV I have now lost all confidence in.
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Hi all, I'm a young lad, I'm trying to keep things as discrete as possible with my current situation. After leaving college, I went to work with someone that I classified as a friend (Who's a lot older than me) who needed someone in-house to build websites, apps, provide customer service and help in other areas in return for a £500 work retainer. In the beginning the work flow was small and I was happy to help as and when I can. There has never been a formal agreement signed from the outset. For the £500 retainer (Which he classes as good value for money) - He currently has strict rules over me which include: - Working 11 hours per day, 5 days a week. - Provide first hand web development, online application design, mobile apps, customer service (regarding website enquiries, telephone & email based), graphic design and proof reading. - Every day, I'm required to complete a document what says what tasks I've completed, what time i'm checking in and out of work etc. - I'm being asked to multi-task on various projects throughout the day, whether that is working on multiple website development, apps or other time lengthly work related tasks during the day. - More times than not, I'm being supervised based on the work that I'm completing throughout the day. If I try to get time out during the day to focus on other prioritises, I'm constantly being reminded that the £500 retainer will stop if I don't spend work from at least 9-5pm per day, sometimes 8am whilst 5pm. There is no form of any sort of employment or contractor agreement in place. It all began as a friendship which seems to have envolved in to a controlling situation where I can't see any light at the end of the tunnel. I just feel like this is normality as this way of working has been the same for almost over 2 years now. Without blowing my own trumpet, I would say I have great talents when it comes to IT. I just feel like I'm wasting away at the moment and being paid very little for the amount of work and commitment I'm putting in. All I seem to get back in return is negativity to the point I'm being told I'm not being disciplined enough with the work I'm following through on a daily basis. I have no issues when it comes to committing to work, but I just feel like since there is no employment agreement in place, I just feel like I'm being taken fore-granted. I wanted to see what other people's thoughts are, I'm not sure if I'm going mad or whether I'm being paid a reasonable amount for the commitment I'm putting in. Thanks! -
Hi there, I have a problem with Hoover candy group and I don't know what to do . I bought a cooker/hob for my mother and within months it broke down. I called the engineer who came and said this hob is useless I will tell the company to sent a replacement. We waited and nothing came. When I called them they said the engineer has ordered a part when he told us you will get a replacement. We had to wait a month for the part(no cooker-no apologies). It was fixed after a month but the heat was really low. It broke down again nearly at the end of the year. The engineer came again(the same person) and after 5 minutes decided to leave and say the hob if fine. Now I keep receiving invoices from Hover Candy group of the amount of £64.50 for the call out even though the hob was still under manufactures warranty but the engineer is pretending the hob was fine and he was called for no reason and for that he is charging us the amount. I keep calling them to say that you need to come and inspect the hob as one of the plates is still not working and the rest are producing very low heat that you need at least two hours to make some pasta. I am at my end wits and i don't know what to do. Is there any suggestions? Anybody had the same issue? what do i do as i am not going to pay. Thank you in advance for taking the time to read my complaint. -
Good day! i would like to ask for an advise. Lately, my laptop is having a hardware issue, and it is still under warranty. So I have contacted the Laptop Company (MSI) about it and they have arranged to have it collected from my home to have it checked and repaired. MSI's service provider contacted me that they are the one who are going to check the laptop and they have arranged a courier (DPD UK) to collect it. My laptop was collected 2 days after by the DPD UK, and it was properly package as instructed to be sent to the Repair Center. 8 days after, thinking that my laptop is getting fixed. the Repair Center contacted me that they have not received my laptop and they are waiting for the courier company to contact them to find out what happened to my laptop. So i contacted the courier company as well, and they told me that the package was Lost in Transit. The courier company told me to get back to the Repair Center and advise them to contact the Courier Company's Claims Department to process a claim. when i phoned the Repair Center, they were not very helpful at all and they just told me to "Wait until the result of the investigation". Not very happy about the answer, i contacted MSI, and give them details of the incident. I also emailed them about it. I got a reply stating that they are passed it to the higher office. Can someone give me advise about the issue? Thanks!
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Hi, I ordered two single beds/mattresses from Ikea which were delivered a week ago. After setting up a bed and mattress, we decided they would not be suitable for us and completed a cancellation form with Ikea within 7 days of delivery. They have advised me that they will refund the bed bases but only provide store credit for mattresses as they have been opened! They were opened to inspect and also to check that there were no undue smells, which can be associated with memory foam. The mattresses are unused, there is nothing in their terms and conditions to state that if opened they would not refund, nor in any of there pre sale advice. We would never purchase anything online without the opportunity to inspect and return for full refund if necessary, so we feel we have been misled here. The only reference I can find that may possible apply is an exception under the new consumer contracts regs with regard to items "received sealed for health protection or hygiene reasons once unsealed" I cannot think that would apply in our circumstances, we have the right to inspect as in a shop and they are unused, also they did not advise us anywhere that we would lose any rights should we open them! I have emailed twice so far and they have refused to budge in their stance so any advice on this matter would be very much appreciated, Thanks Derek
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Hello, I owe roughly 15k, on credit cards and a catalogue. I've missed no payments so far and am managing to make all minimum payments with a little on top. The problem I'm about to have is that my financial situation will change in 8 months. I have a disabled daughter who will be turning 20, and the extra money we get at present will stop. I had hoped to get it all paid off before then, but that's not going to be possible. I'll still get carers allowance for her, but income support & housing benefit will be drastically reduced. I'm a single mother, so no partner to help me out. I'm worrying myself sick about it, and it's looking increasingly likely that I'll have to go bankrupt - from what I've read, you can't do a DRO if you're on benefits - and my daughters condition means that I'll be her carer for the rest of her life, so benefits will be all I have. We live in a council home, and I have no savings. We have a car, worth roughly 1.5k and a 15yr old but much loved campervan worth about 3k. Both are registered as used for disability, with the van being the main vehicle. Both are registered under the blue badge scheme. I know that I have bigger things to worry about, but that campervan is the only way we get to have some respite . My daughter is severely autistic and we use the van 2/3 times per year for weekends at quiet beaches. We can't travel by train or airplane, and the van allows us to make multiple stops along the way, should we need. Having the campervan also means being able to afford to even get away. The van is our only asset, so I know that we will have to sell to put toward debts. I'm just hoping there may be other options open to us that I might not know about, that will enable us to keep hold of it. My daughter loves that van and we've got so many happy memories from it. I just don't know how I could make her understand that the van has to go. If anyone can offer some advice, that'd be great. I'm struggling to sleep and eat with the worry of this debt. -
I have just seen a RBS agreement from 1992!! At the top it does'nt have the usual bumf of 'this is a Credit agreement regulated under the consumer credit Act 1974' (or similar) I thought this was a must! What legal implications does it have? There are other faults but I can't remember what not having the above means. Its not mine so I can't post it up. Kind Regards jack -
I went through the barriers at Oxford Circus with Grandad's freedom pass (which I used by mistake thinking it was my own ticket - we'd gone out to lunch for my 18th and he gave me his stuff to look after) and got stopped rather aggressively by a Revenue Inspector. I got the impression that he was the police 'cos he read me my rights. I was sh .... ing myself cos I'm not from London but had heard stories of brutality from the police. This guy was definitely trying to provoke a physical response from me but I kept my cool 'cos I was in a suit. He questioned me about the freedom ticket and I explained what had happened. He was having none of it. He was so close to my face that he was spraying spit too. I just immediately volunteered to go and get a ticket which I did and after extensive questioning and detaining me, continued my journey. Next thing I know, I've been charged under s.17(1) TFL Bye law (is this a strict liability offence?) for apparently entering a "compulsory ticket area" without a ticket (I'm not a Londoner and so was pretty shocked by Revenue Inspector's behaviour). He is relying on his statement. I am pleading not guilty because having traced my steps back to Oxford Circus I can't see that it is a compulsory ticket area. My mother is livid and wants to countersue for the guy's behaviour. What I want to ask is (a) because I bought a ticket before getting on a train does that get me off the hook (b) the RI's statement is a lie - it's as if I've been framed because of the way he's worded it. Is the RI's statement still valid if I haven't signed it? Can I sue him back? Is there any good case law I can use in my defence, please. Thank you. -
Hi Guys, Please help I am so stressed and anxious and making myself sick. I have been on Incapacity Benefit since 1997, i was medically retired from the NHS. I cant remember exactly when i converted to ESA but was placed in ESA support group then when the 365 days were up (maybe a couple of years ago) they re assessed me to see if i was legible to continue, the outcome i believe was as i was in support group i would continue getting CR ESA. that carried on then in march i recieved a letter stating as i get £74.36 a week occupational pension x 2 I have one for £13.23 and one for £61.11 and that was to come out of my ESA. And that I may have been overpayed ESA. I looked up online about CR ESA and pension and it says that if you have extra money over £85 they would take 50% over the £85 as i get under that i assumed i was ok. I phoned in DWP in march and I asked them about this they then said I was on Both IR ESA and CR ESA so that rule doesnt apply to me. Then Today I have been sent a letter from DWP inviting me to an Interview under Caution about my ESA and my pension. can anyone advise me i am so nervous as far as i'm aware they new of my pensions as i sent them P60 in the past. please help. Regards
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