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  1. First time poster here desperate for some advice after google has proved fruitless. This is a long ongoing story so please forgive the length and thank you in advance if you manage to read everything. I bought my first car 28/06/2018 from a car dealership in Hounslow, ATM Motor Trade. I found the car on Auto Trader, the dealer had good reviews and it was a good deal for the car that I wanted. The drive from my house was around 90 minutes each way but I was confident I was going to love the car. The saleswoman seemed knowledgable and friendly and I bought the car that day. I paid by bank transfer (stupid looking back) and drove the car home. Already on the drive home there were some minor problems with the car not wanting to change into third gear which I put down to my inexperience in driving it and figured I would learn to do it properly. I was also trying to be eternally optimistic and hoping the car was fine despite my instincts now starting to say otherwise. I got into the car the next day and the check engine light was on. This concerned me enough to get the bus to work but I also called the dealer to explain that the engine light was on. They said it was just an issue with the emissions on the vehicle, there’s nothing to worry about and it’s safe to drive. I asked for this to be put in writing for me - already losing my trust and sensing the worst - but that was declined. Having lost all faith in the dealer, I decided to take the car to a trusted mechanic for an assessment. He plugged in the diagnostics computer and also did a thorough check of the vehicle. The number of faults that came up on the computer was higher than 20 and that’s without the physical issues that were found: holes in air pipes, badly worn brake discs, a puncture, even the battery wasn’t attached properly. I took photographs of all of the evidence on the diagnostics computer and areas of the car where the faults could be seen and then the mechanic and I decided it would be best to wipe the faults from the cars internal computer to see if they would recur. I emailed the dealer that day with the evidence I had and told them I would be returning the car for a full refund under the Consumer Rights Act. Initially they tried to offer a repair or a replacement instead but as you can imagine I had no faith in them at this point. Eventually they agreed I would return the car to them. I did so on 08/07/2018. I had driven the car a total of three times - two of those being home from the dealer and back again. The saleswoman was the same person who sold me the car and after much resisting sent me a text message to say that I had returned the car and could expect a refund in 14 days. After the 14 days were up I received an email claiming that there were no faults with the car, they claimed they had driven it everyday with no issue and it was “functioning” and therefore they would not be offering me a refund. They also would not return the car to me but only offered a replacement vehicle. I declined this offer and stated once again I wanted my money back. I have not heard from the company themselves since this date. I ended up escalating the issue to MCOL. The dealer did not respond to the service of the claim, a judgment was made against them and then I finally sent a county court enforcement officer to collect on my behalf. In the meantime the company (a limited company) changed their trading as name therefore rendering my paperwork and claim invalid as the company “no longer existed”. I did not know when I made the initial claim that they were a LTD company trading under a different name. Initially the name was ATM Motor Trade which they changed to Quality Motor Trade Centre (the irony!). I made a request to the court to change the company name on my paperwork and reserve the papers. I have since discovered they have now opened up a whole new business and are trading under this name instead! I am now at a loss for what to do. They currently owe me £2500 which I borrowed in a loan from my bank. I can not afford another car as I’m repaying the initial loan and I’ve been forced to revert to public transport (which is horrendous in my area). It seems they will do anything in their power to avoid paying and are obviously skilled at avoiding the courts. Any help would be much appreciated. I once again apologise for the length of this and thank you for reading.
  2. Hi, i'm looking for some advice on where I stand with regards to a vehicle purchased at a online Copart Auction please. The vehicle was advertised as Unrecorded and in the additional information stated that it was an import, it has never been UK registered, additional charges may apply to register in the UK and it's history cannot be guaranteed. There was no mention of where the vehicle was imported from, so was extremely difficult to trace back any history. I purchased the vehicle believing it to be a UK car, it was right hand drive and sold through a UK company. It was only when I had paid and sent a driver to collect the car that I realised it wasn't a UK car. Not only this, but the damage was much worse than photographed on the website, someone had basically polished a turd. I accepted this and cracked on and repaired the vehicle. The retail of the car here in England was £42,000 and after its repair I have around £40,000 in it. Because the speedometer was in Kilometres, I then had to order brand new clocks before the vehicle would pass an IVA Test, these were on backorder and took 4 months to arrive. Speedo arrived, the vehicle was completed and passed through its IVA Test with no issues. From here is where I tried to register the vehicle with DVLA. I was told by them this would take 10 days and after 6 weeks of waiting I finally received a response from them to the tune of... We have been liaising with Australian Authorities and the vehicle was a statutory write off, because of this we cannot issue a logbook under it's original VIN number. It must have a replacement VIN number and be on Q Plates because of a it's questionable history. I looked into this more now I knew where the vehicle was from and a Statutory Write Off in Australia means "A statutory write-off is too badly damaged to be repaired to a standard that is safe for road use. The vehicle identification number (VIN) is recorded as a statutory write-off, and the vehicle is not allowed to be registered. These vehicles are only suitable for use as parts or scrap metal." - What's known in the UK at a Category B vehicle. These are worth around 10% of a cars retail value as they should never be allowed on the road again - only dismantled for parts and crushed. I have since spoken to Copart who have told me that because the vehicle has never been registered in the UK, that the car is "Unrecorded" and they have not misrepresented it on the advert. They have said they will look into the documentation and come back to me. I was looking to get opinions on this. As I have £40,000 in a vehicle which is worth around £8,000 as a breaker and probably £15,000 - £18,000 as a vehicle with "Q Plates". Not only this, but I am now concerned for my safety as it's been deemed unsafe by an assessor previously. Copart are saying the vehicle is unrecorded, yet I have a certificate confirming it is, although not in the UK. What has happened here is a [problem]mer has purchased the vehicle in Australia as a parts only vehicle, exported it to the UK then sold it as an unrecorded right hand drive vehicle for maximum profit. Surely Copart should have done the due diligence before advertising this car as unrecorded? I have been told international titles will confirm if the vehicle is for destruction or not - something Copart will have asked for before making the vehicle available for auction. Any advice and thoughts would be appreciated.
  3. https://www.consumeractiongroup.co.uk/topic/408616-trying-to-reclaim-ppi-but-paragon-says-no/?tab=comments#comment-4978454 same boat mate, paragon say no and not regulated Paragon informed me that the PPI was done by warranty Holdings Ltd, guess what, now dissolved
  4. I had a personal loan from 1999 which had PPI on it. I didn't request PPI but the box on the CCA had a pre-printed tick in it. On challenging the PPI, Paragon claim the loan wasn't dependent on PPI and that they weren't regulated at the time so I have no claim against them. The FOS haven't been much help. I've read a thread by user justice4me from 2012 where they managed to successfully make a PPI claim in much the same situation. Does anyone have any information regarding what is needed to successfully make a PPI claim against Paragon? Cheers, OMWO
  5. Hello all, I have recently been awarded a judgement by the FOS against an FCA regulated company for not providing a service I had paid for. The company in question now wants to pay the award in monthly installments. They initially offered to repay over 3 years. I rejected that outright because it's far too long, and the Ombudsman will not get involved if I agree to a payment scheme and the company fail to pay. Now the company has offered a new repayment plan to repay in 12 months. This is far more attractive as they claim they cannot pay it all in one go but based on past experience with them I have doubts as to their sincerity and honesty. Could someone please advise me if there is some way I can get guarantees that the sum will be paid and what my options would be were they to stop paying before the full amount is repaid? Any advice/suggestions will be most appreciated. Regards Scara
  6. Hey. Newbie here.. Okay, Sorry this might be a long one as I don't want to miss anything out! So over the 26 years ive been alive I have got myself in a pickle; default city to be honest, mostly low-level everything combined is under 8k. I have just got a lump sum of money to pay off my debts to help recover my credit score so I can one day buy a house. Now checking my credit score I started going through one by one going to pay them off, I got to Lloyds and they have sold my 3 debts to two companies ( 1 is Credit Security LTD and 2 is Robbins way ), I have had these loans outstanding for 3 years or so and they have never contacted me ( got 2 letters from credit security but nothing from robins way ) i only found this out ringing up Lloyds, the default shows up on my credit file from Lloyds and that's it. Do I contact these people or not? I can't remove the Default either way so what should I do? and if I don't do anything that can happen, the amounts of these are £1525. £870.00 & £1800. This is where my second question comes in, my old phone contracts ( yes I was stupid ) have been sold to Lowell, now I never ever saw them as a threatening as they would send letter after letter and that's it nothing came of it for a few years ( back from 2014 2016 2017), stupidly when I decided to set up a DMP a year ago it classed as I made contact with them ( so resets the 6 year time frame ), now they have now left 3 defaults on my credit file, why is it under THEIR name and not orange etc like the Lloyds? I paid them £50.00 today and going to call up to pay a payment plan, I do have enough money to pay them all off today but is it worth it or just paying per month and keep some money aside? (it's 2400 altogether), now reflecting back on that should I of paid them or just ignore them as it would have got written off? Why have THEY put the default on my account instead of the business itself and not the other company that's taken over my Lloyds account? Why is my Credit file showing nothing of these other debt companies, if it is not on your credit report does it really matter? Sorry, I'm a little bit of a newbie at this! I know when default goes on your credit file it stays there for 6 years and there is nothing I can do about that.. right?
  7. Hello, In August 2018 I took on a BT TV and internet package on a 12 month term. I did not want to use BT really as I was told their service is bad. I explored all options with other providers such as Virgin, Sky etc but it turned out I could only have BT TV at my rented flat and the lines were BT only also. The time came to have my TV and internet connected and BT came to my flat and within 5 mins the technician said ‘OK, you are activated’……the point he said was active was by my front door which is far from my lounge where I needed BT TV and the modem. I connected the modem to the point by the front door and confirmed it worked with the technician, I then check the TV point but it was dead. The technician had a look and said ‘yea this point will take 24 hours to come on’ which I could sense was utter nonsense because it was fed pack to the point by the front door, so something was wrong, which didn’t surprise me as it is a very old regency building. 24 hours went by and not to my surprise it didn’t work, I called BT and booked for them to come out the following Tuesday (6 days later). Tuesday came and it got to 4pm and I called them to find out where they were and they said I had no appointment. I could not afford to take more time off work so I just parked up the TV issue for the time being as my internet worked and I could get by and would tackle the TV install later. By October I had been given a new opportunity to take a job in Australia meaning I had to move out and leave for Australia in December. I called BT to say that I needed to cancel and was told I have to pay out the whole agreement to the amount of £578.18. I explained that this felt unfair as they are not supplying me with any future service, on top of that they never finished setting up my BT TV, and last of all the new tenant who moves in has to use BT (as outlined above,unless they don’t use phone, or internet) and therefore when they sign up with BT it will cancel off my service automatically. As a result BT will be charging the new tenant for their services and charging me also! It doesn’t seem right that someone can sell or lease out the same thing to two people at once with only one of those people being a beneficiary. Any advice on my matter would be much appreciated, I understand I signed an agreement, however they never fully installed what I paid for and they are also trying to make me pay for something someone else will be paying for going forward… it doesn’t seem right.
  8. Hi, I am looking for advice please. At the moment I am heavily in debt with credit cards and for a few years now have been making agreed payments to my creditors on a pro rata basis. Although no interest is being charged there is no way I will be able to clear these debts in my lifetime without either going bankrupt or an IVA. I am 67 years of age and an IVA would take me to 73 and having to live on the breadline for the next 6 years isn't how I had planned my retirement. I have a mortgage and a 2nd charge both on an interest only basis if I were to sell then there wouldn't be a great deal of equity left. At current property prices I would be lucky to come away with £8k which wouldn't make much of a dent in my credit card debt. This would leave me penniless as I have no savings and no personal life insurance. I had planned to pay off the mortgage by cashing in my stocks and shares but the banking crisis wiped these out and what was left was sold to service my credit card payments following me losing my job on top of everything else. I would like to sell up and go live in Spain where property rentals are very reasonable and I could manage quite well on my works pension and state pension. I am not one to shirk my responsibilities and would try to continue paying off what I can but I don't want to start afresh with absolutely nothing. If possible I would like to keep a £4k cushion out of the sale proceeds of my house for contingencies such as funeral costs as I can't expect my siblings to pay for this and I have no other family. Most of my debt has been sold to the likes of Arrow Global , Cabot etc. I reckon they only paid a small percentage for taking on the risk. Is there any point in me appealing to their better nature and asking them to write off my debts or should I go down the route of an IVA? If I go for an IVA can I sell my house during it and then go live in Spain and just continue with the payments or would it be best to sell now and then go for an IVA. Sorry for the lengthy dialogue but as I don't have much of a lifespan left I would like to spend it relatively at peace.
  9. My mother of 82 took out a Policy with yourrepair in July this year She had swapped from a previous cover as it was getting a bit to expensive for her. She saw yourrepair online and read the reviews and all seemed good so She chose top cover as it was still cheaper than previous care cover. Now she has happily been paying for a good few month with no problems. The boiler has now incurred a problem. It keeps cutting out leaving her without heating and hot water intermittently. She made a claim online as there doesn’t seem to be a telephone number. She was told an engineer would respond within 3 days or less. After 5 days no body had contacted her and the boiler was still cutting out. Now being 82 and having a problem with your boiler can cause unnecessary stress. In her head something serious is wrong if it’s cutting out. i took over and made a complaint she finally gets an engineer out After 13 days. He diagnosed the problem as the sensors and said they need changing. He said he would speak to yourrepair and get back. Next day heText messaged my self saying that the repair had been refused by Yourrepair. i made another complaint about the refusal of the repair and get a phone call almost straight away from a lady saying that the problem is sludge in the system and it’s not covered in their policy. But I can have a 2nd opinion and if he says there’s sludge there will be a £90 call out charge. I have had issues with the boiler previously and the company has been straight out and fixed the problem or had to order parts in and then fixed it. There has never been any mention of sludge. I told them im not prepared to pay £90 so i had the boiler looked at by an independentBoiler repair man and he didn’t find sludge. I have complained again to Yourepair and have since been offered another visit which would be chargeable if they found sludge I have refused for obvious reasons as they have already lied about sludge. I told them i want the policy canceling but they are refusing to cancel my policy and expect my mother to pay the rest of the 12 months even though that cannot offer the service which she is paying for. In the mean time i thought it was strange that all the reviews on their site were positive i checked with Trust Pilot they have a warning about Your Repair and their reviews saying they believe that their reviews are being manipulated Overall this company seem very iffy to say the least I just want rid of them but theres no way we are going to pay them the rest of the policy, mom has called the bank and they said its a 12 month contract DD and cant be cancelled Not sure which way to go with this so any help would be appreciated
  10. Hello, I am seeking a little advice as to my rights. Basically I would like to know if my job title and description etc should be a true representation of the position acknowledged to be held and job function performed. Me employment began back in November 2014 in certain position. Within a number of months I was transferred to a different department and position. This was done with no input from myself. There is a little bit of a back story here too. Since then, and several documented requests for my title and description to be reevaluated they remain unchanged and reflect the position I was originally hired to undertake and bear no relevance to duties etc now performed. This came to bear some significance recently when some new positions were announced. Not knowing exactly what my position is I felt quite disadvantaged. I was unsure if any of the new positions would potentially be a career advancement or if I would again be better seeking clarification on my own position. Again I raised this question and explained my feelings I was told that it would be looked into and that if nothing heard within two weeks to re-approach. Couple of points here : This put it beyond the closing date for some of the positions applications leaving me unsure if I would be better off applying for some of these positions or persisting in attempting to gain clarity on existing position. Most of the new positions make reference to position I fulfill. I am the only person who performs this role. The two week time period has elapsed with no update despite a request being made. Others within the company who have changed position and moved departments all appear to have had titles etc amended to reflect this. Advice appreciated.
  11. My mum lives on the first floor of a three storey building and is almost 80. The housing association she rents from have moved in a single mother with a child above her and she is going through hell with the noise and it's making her ill. The woman has had people coming in doing DIY at all hours - 7:45pm tonight - and her children are often up at 6am, and sometimes earlier, which wakes my mum (and sister, who lives with her) up and they are unable to get back to sleep due to the noise. They're often also running around late at night as well so mum has to wait until almost 10pm and later before she can go to bed. She's tried writing a very reasonable letter to the occupant upstairs about the noise but this has been ignored. I know that when children move in, everyone around them automatically loses their right to a reasonable quality of life because of this, but does my mum have any recourse ? Most nuisance neighbour policies i've looked in to, as well as the housing association's anti-social behaviour policy, all basically exempt children from any action being taken which I think is grossly unfair because at almost 80, my mum simply can't "just move". And she's lived there for nearly 20 years as well, so why should she give up her home because of some inconsiderate above her ? She'd be willing to go to mediation with the woman, but since the woman has ignored her letter, is there any other way to get this to happen ? Apologies if this is a bit of a mess of a post but i'm just getting quite concerned about my mum's health overall. Thanks in advance for any ideas.
  12. I bought a car for £6K but it was faulty and so I rejected it. The dealer promised a refund but has not paid it and I have obtained a CCJ. However they have now ceased trading. I have a name and address for the owner and will pursue via bailiffs. However is there anything more I can do? It seems rather odd if there is no criminal offence.
  13. Hi All, Possibly a hypothetical question but like to be prepared. Had an interview earlier, job sounds great but when I got home invite to interview from another employer in my inbox for next Wednesday. This 2nd job would suit me better (nearer home, more akin to my current role and better hours). I was told at this morning's interview that they would let me know either way today. If I am lucky enough to get the offer, I would be mad not to accept, but still inclined to go for next week's interview as well. What are the ethics of accepting a possible offer today, then changing my mind if I get the other offer next week? Other half says I need to do whats best for me, and if I end up needing to rescind my acceptance its not a big deal, but I hate to let people down. Might not even get the offer from today, but trying to get my head straight on what to do if it does come good ... Thanks
  14. Hi I recently had a successful PPI claim with MBNA. I have received a 50% payout but as it was a joint loan, 50% is owed to my late wife. Initially, MBNA refused to pay me her share until I provided a Grant of Probate or Letters of Administration. After explaining I have neither, they eventually said they will accept documents from a Court or a Solicitor confirming that no Will, Letter of Administration or Grant of Probate was ever made. My wife had next to nothing in assets when she died so, as I understand it from the gov.uk website, I didn’t need to apply for Probate as, in the circumstances, I inherited everything. I can’t understand why MBNA will not just accept our marriage certificate and my wife’s death certificate as sufficient evidence and pay out. That was all the evidence I needed to provide at the time of my wife’s death when dealing with her bank accounts. (They were different banks, not MBNA). The amount owed is only around £400 so the cost of applying for Probate or Letters of Administration would make it all pointless. I assume the cost of obtaining documents from a solicitor confirming no Will, Letter of Administration or Grant of Probate was ever made would also be prohibitive. I was wondering is there any way I could fight this and get MBNA to pay out with just the marriage and death certificates as evidence. Any help or advice would be really appreciated. Maybe someone else has had a similar experience?
  15. Hi everyone I use a courier company, i will call "TPC", who in turn use DPD. I have to say on the whole the past few years has been event free but a few months ago we sent a 3D printer to someone to use and it was smashed up really badly. The recipient took photos and has emailed us stating the damage was beyond dropping in his view and we have loads of photos of the box damaged etc. I reported the issue immediately and TPC were originally very sympathetic etc. I have to say I was shocked at the damage, you would have had to try really hard to do what they did. As the client needed to get printing urgently, I resent a new identical printer out, only this time this one had a glass build plate, so about 30x20, super tough, heat resistant glass plate that the plastic is printed onto. This was in fact a bespoke upgrade I did to this one but the plastic plate was also sent. This printer was also sent insured fully. This 2nd delivery went horribly wrong yet again, with a tonne of damage done. We sent both printers in the original boxes, designed for transporting them. They are thick boxes, with the original polystyrene inserts. Loads of space etc. we also used an outer box with more packaging to be safe. The packaging has never been challenged, in fact DPD stated that it was fine. long story short. I know DPD have accepted both claims (although irrelevant as the contract was with the 3rd party we use, TPC). I am still waiting for any decision, I have emailed multiple times and so we logged a small claims track. Unfortunately the printers are no longer made, so I have asked for the replacement cost of the latest available model for both printers. The defence is that they will not pay as there was glass in the box (even though only the 2nd item had glass in it) There is no consideration about the first delivery that had no glass in it at all. I have sent the court questionnaire off, have stated I am willing to mediate and I am waiting. No solicitors seem to be involved at this point, certainly no legal sounding stuff has come back from the defendant at this point. Just want some help and advice really. I have basically lost a part of my little business due to these printers being damaged beyond repair. Questions: 1. I have no doubt that I will get the compensation for the 1st Printer as there was no glass and it was clearly in breach of the Sale of goods and services act 1982, (reasonable care and skill clause). however What about where there is a piece of glass in an item? I have never actually claimed for this extra add on, I feel that if they had delivered properly in the first place I would not have had to send the 2nd printer out and also the glass did not cause the damage, it was just "also" damaged, but again I am not claiming for this. 2. I would normally claim for the cost of the item if damaged. However in the case of the model being superseded and no longer being available. Is it OK to claim a little more for the latest available model? I have averaged the price from 5 retailers and would genuinely be buying these to simply replace my lost printers. In my defence it is a real pain in terms of retraining and new software to learn a new machine. Any help would be appreciated on the best course of action and of course I will post everything up here so others can learn from my mistakes and hopefully successes!! I am about to go through mediation, but can't find much on the process here. Has anyone gone through this process as a claimant and is there any advice anyone can give. I have been told by the CAB that it's a chance to "negotiate" but Ii'm not sure if negotiation is what I want to do, i'd really like the defendant to try and see the light. Also can the defendant deny wanting to use mediation? Any help appreciated.
  16. Hi All, I'm new to this forum but hope someone can help me out? I received a PCN through post yesterday from PCP enforcement agency (trading name of parkshield collection Ltd) Date of event (doesn't say offence)-30/08/2018 location - service/estate roads off anchor road,harbourside,Bristol,bs1 During period from: 22:20:55 to time of notice issue at:22:40:18 reason for issue- no valid permit Now the only problem with this notice is that I've never been to Bristol and the vehicle in question has been SORN off road for 2 years and is parked at my parents house except when it has MOT or my dad uses it for work (trade plates are then used) I have been on the agency's website to appeal but can't as I don't have notice issued obviously and there's no sign of any photographic evidence either. Not sure what to do next,write an appeal which I don't think is fair seeing as it's definitely not my fault. Any help would be much appreciated. Thank you.
  17. Hi I received a PCN from a Free! carpark some time ago.. 4 hours free then pay. I received no letters from UKCPM about a fine nor do i know what it was for . . I then get a letter from Gladstones saying Pay £160 else court action. I 'forgot about it'. Next i get a court letter which turned up at my address late , saying £273 to pay with response within 14 days else action will be taken. Ok this one i genuinely did forget about, i emailed them stating the letter was late and i forgot to take action due to work commitments and stress. Next thing i know i have a CCJ on my credit file and a letter from the courts saying they made a judgement. Luckily i had 30 days to pay the £273 and they will lift the CCJ so without haste i paid and the CCJ is now gone. two days ago i receive yet Another! Gladstone solicitors letter on behalf of UKCPM. new reference number so a new claim, this one as before £160 before court action. and again , no letters from UKCPM beforehand. Now, i know this will go to CCJ if i ignore it, but what can I do? the carpark is free for 4 hours ! i used it almost every day for the Gym. the carpark is poorly marked, paint very worn on disabled bays, no phone number to call to extend your stay. you have to display a ticket but half the time the machine was out of order however i still am aware of PCN's being issued for non ticket when the machine is not operational. What shall i do? Many thanks for your help
  18. Hi all, Just after some advise as this may be a bit different to other people cases. Today I received a Parking Eye "Parking Charge Notice". It's my car which my wife drove to take me to hospital, she paid using the Pay By Phone app, however she entered her cars registration by mistake. I worry she done this again the following day also! I've appealed and sent a copy of our proof (screenshot with incorrect registration on it) but now I'm wondering should I of come here first before quickly rushing into an appeal? 1 Date of the infringement - 13/09/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] - 27/09/2018 3 Date received - 01/10/2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] NO 5 Is there any photographic evidence of the event? YES 6 Have you appealed? {y/n?] YES APPEAL - I have received a Parking Charge Notice for my car, which my wife was driving at the time taking me to hospital. We made payment using the Pay By Phone app, and once I received this letter have only realised that payment was made however it was made for our other car (*OTHER REG*) as my wife has often used her car to make payments as she has been to the hospital a lot recently (as I’m sure you can check by her registration). Unfortunately this has been a simple error and I attach proof that the payment was made and you'll be able to confirm this as her car *OTHER REG* did not enter the hospital car park on this day. Have you had a response? [Y/N?] NO 7 Who is the parking company? Parking EYE 8. Where exactly [carpark name and town] - Sunderland Royal Hospital
  19. hello all, i have a valid gas safety certificate until November the 3rd 2018. my landlord(local council) uses a heating company for the gas safety check,... they are being very overzealous and have been calling to do an 'ANNUAL' gas safety inspection since the beginning of August...this seems very strange as its 3 months early and they know it expires in November.?? I have came home and received calling cards when I have been out and on one occasion a calling card was left when i was on holiday...as it was August. today i received a letter from the council saying they are taking me to court to apply for a 'warrant to authorise entry'? I would like to know if i can attend the court hearing (to show the certificate) and also can they do this with a valid gas safety certificate in force? thanks, Sonia.
  20. Hi Everyone I apologise in advance if this seems like a silly question, but I need some advice/opinion as I have been out of the job seeking market for some time. Basically I have worked for the same company for over 20 years, but due to a takeover and potential relocation of the offices I have been looking for a new job. I have been offered a new job with a local company, they have sent me a a official offer letter detailing just the job title, annual salary and proposed start date. The offer expires in a couple of days and I am not sure what to do in terms of the job employment process. I really want to know more about the terms and conditions of the job like holidays, benefits, etc, but I guess that will be in the contract. My question is, if I say yes to the job offer letter, am I legally bound to them if I change my mind a few days later, what I am trying to work out is at what point is no return, because I am guessing that until I get a contract from and sign it, I cannot hand in my notice with my current employer. Hope that makes some sense. Thanks
  21. Hi all, I'm hoping someone can please advise as to whether my logic is correct. Essentially I took out a Northern rock together mortgage over 10 years ago just before the recession, this included an unsecured loan of £30k. Shortly after I was out of work for a year and built up mortgage arrears on both the secured element and unsecured element of the loan. Despite 5 attempts of NRAM trying to repossess I managed to fight them off and eventually paid of the secured mortgage arrears however because I was prioritising the secured payments the unsecured loan arrears were not being paid and eventually NRAM applied for a CCJ. However at the time they did not default the unsecured loan account so it is still showing on my credit file with just many late payments. The CCJ dropped of my account about a year ago and during the 6 years prior NRAM didn't take and forceful action to recover the debt. My understanding is that prior to making an application for a CCJ to the courts they should have set my unsecured account to default and hence it should have also dropped of my account when the CCJ did and the unsecured debt should In theory now be written off. I did contact Experian and raised this issue, they replied stating that they contacted NRAM however NRAM stated they would not be making any amendments regarding this unsecured account on my credit file. I would really appreciate any advise on this matter and if my logic is incorrect. Many thanks in advance!!!
  22. Hi All, I recently had my car breakdown and after being diagnosed by the AA as a fault that needed a garage to repair it the car was recovered to a local AUDI main dealer thinking i would be in safe hands. They diagnosed the car with a sensor fault to begin with and they replaced that at a cost of just under £500 including fault diagnosis, however, this never fixed the fault they said and the car still had the original fault. So they carried out futher tests and then told me after 14 days that the car and a major ECU fault that would cost at least an additional £1500 + vat and 8 weeks to get the part. All this time i required a hire car as they didn't have a spare courtesy car. Not happy with the service or the diagnosis, and the fact that i was expected to pay for the initial repair of £500 that they said wasnt the fault it was the ECU. I also at the time of booking the car in for the original fault explained i had AA repair cover and they said that fine, as this cover provides me with the ability to have upto £500 of repair costs meet for a small payment of £35 excess. but it has to be a reputable garage where to work is carried out, and the car has to be repaired to be able to claim. Having some knowledge of cars and car repair, i wasnt happy with there diagnosis or the initail treatment, and i said i would take the car elsewhere for a 2nd opinion. Knowing the car could originally be driven i aksed if that was possible but they insisted i pay the original bill, to which i argued and they reduced it to a still unsatisfactory £360. I asked if the car could be driven to a garage 3 minutes drive away and they said now, it now wasnt running, so i had to arrange a tow truck to recover it. This i did and when the tow truck got there and i went to collect the car the car did infact drive. We still recovered the car to the garage as the tow truck was they and the other garage started to fault find, and they sent the ECU for testing with a specialist company that after some time discovered infact there was no ECU fault as the main dealer had stated and after the ECU being placed back in to the car some 57 days later the car has run fine since. I would like to ask as i have directly incurred a substantial amount of cost (£2000) due to the inaccurate fault diagnosis which they charged me for, and i would like to find out if it is possible to take action against this garage for failure to diagnose the fault correctly? I havent approached the AUDI dealer or AUDI as yet, as i wanted to find out what rights i have before i go fighting this with them. For armed and all that! Thank you in advance for any advice. Mario
  23. Hello gang Looking for some advice, I received a PCN from Cambridgeshire County Council last Sunday for reason "Parked without payment of the parking charge - Code 11) I had bought a ticket for the period in question but a gust of wind it must have slipped it off the dashboard as I closed my door. I still have my ticket and I was wondering if I have a case to appeal and if there is a template you suggest I could use? I have never appealed before - never actually had a PCN before. It's for £50 but will be reduced to £25 if I pay within 14 days, which is next Sunday. Thanks for your help Jameson Thanks
  24. My fixed term contract at my recent job ended at the end of July leaving me currently out of work so a couple of weeks ago I applied for Universal Credit. Have had the meeting etc and am now awaiting payment which of course will be several weeks in coming. Had agreed and signed the claimant commitment, which of course is to understandably search for work and regularly complete this online journal thing and this is now a possible problem that I need advice on. Back in January my elderly mothers sister and best friend both died within 48 hours of each other. This, like it would anyone, knocked her for six and she has been struggling with things since. Recently however we have become more concerned about her memory and I had booked a GP appointment later this week. Unfortunately though yesterday she called me in a panic and was feeling extremely ill so we called an Ambulance and Paramedics attended. They I have to say were brilliant and whilst couldn't find anything immediately wrong it was apparent that her blood pressure was all over the place and they suggested that she saw a GP first thing this morning. I took her as she can't drive and without going into boring detail her GP is sending her for tests and also they are booking her in for memory tests etc so right now she is in a bit of a state and is unable to do much for herself. I want to and will help her 100% as hopefully anyone would do for their family but it is going to be time consuming and whilst that doesn't bother me one bit I am now on top of everything else worried it will affect my UC claim if I can't match the number of hours job search in my claimant commitment and obviously that would leave me with no money coming in. I am going to be pretty much "on call" for quite a while until we can find out what is going on and then decisions may have to be made about such things as possibly moving mum into care so the timescale is unpredictable. I have read about sanctions for three years etc and other worrying rules if you don't adhere to the requirements of your commitment so I really don't know what to do and therefore would really appreciate any advice in this matter. Thank you.
  25. A friend sent me a birthday parcel from Germany containing clothing and household textiles worth approx 120 Euros. They used Hermes Germany, and tracking showed Hermes UK delivered it this morning. I was home all morning, all day in fact, and there had been no delivery. Nor did I receive a card, saying where they left it. I also checked with the neighbors, no one had received my parcel. myHermes international chatline is no help, they couldn't even find the parcel on their system because the tracking code only works on the Hermes Germany website. But anyone using the code can easily see the tracking details on the Hermes Germany website. My worries is that because the UK Hermes driver had faked a signature, and not delivered the parcel to me, how can I prove that I never received the parcel? And enable the sender to claim compensation?
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