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  1. We are about to buy a 4x4 Shogun and have put down a deposit. The car has brand new tyres all round on the drive wheels. As an after thought I inquired about the condition of the spare tyre. It has 4mm of tread so legal however the tread is different to the tread of the new tyres. On a 4x4 it is important that the treads on the same axle are identical otherwise you could damage the diff. Can I reject the tyre as not being fit for purpose to use on the 4x4? We like the car as it is immaculate otherwise and is being sold by a reputable dealership and we were thinking of a 50/50
  2. Hi, I hope you lot can help as I've lurked here but only decided to sign up, I have GAD so this has honestly been keeping me up for the past 3 days. I bought a Corsa from a guy 20 miles away, I don't know if he was an actual trader or a private guy, he said he buys cars and resells them, I collected the car from his house and paid £2150 via bank transfer. Once getting home I only noticed he gave me the V5 full, rather than just the new keeper details. The problem is the registered keeper details don't show his name & address, it's the guy he bought the car from. Okay, so
  3. Sorry if i have posted this in the wrong section but here goes . Me and my partner currently live with my mum in her house . The house is paid in full and my father has passed away . My mum wants me to buy the house for £160,000 so she can give my 2 brothers and other sister £40k which is their inheritance and £40k back to me. I have about 50k in the bank so we said we would buy the house for £120k thats with my inheritance off and i would get a mortgage for 70k which me and my partner could afford easily with my 50k deposit against the mortgage . I rang halifax and t
  4. Hi All, im thinking of buying an Eonon android stereo for my car, loads have this stereo as its most suited for the car. Just wondered if i purchase direct through Eonon and not ebay (think they are based in China but have a uk warehouse) Would it be better to pay by credit card,? as i heard CC can give me a bit more protection, I have a barclaycard. See they offer 1 year warranty but if theres an issue could i get my cc company involved then. Would appreciate some information thanks steve
  5. Garages don't come up for sale very often round here but there's a freehold one for sale just now. It's at the back of a block of flats which are leasehold and the driveway / tarred area to the garages would come under that leasehold. The seller hasn't paid any fees or service charge for the past 6 years. Can anyone give me advice please without me going to the expense of hiring a solicitor? Thank you
  6. Hello, I don't have any questions, but I used this forum a lot to read similar cases to mine and as mine has been resolved today I thought I'd share my story as a source for anyone who has the same problems. I have had a gambling problem for a few years, which often leaves me short of money each month. Unfortunately, this led to me making the terrible decision to buy a zone 1-2 travelcard when I live in zone 6 as the station I go to doesn't have barriers. I often work late so I rarely get the train home (usually a cab paid for by the company I work for) and so I justified it to myse
  7. Hello all, Where to begin.. The misses won a free photo shoot with one free photo. we had the shoot done and the guy came round a week later to show us the pictures on his laptop. He then managed to convince me to buy the DVD which included 5 photos plus 1 free photo for £375. I chose the photos that I wanted and the guy filled out the "order form." Then I signed it. Now, I told him that there is no way I can pay that much out in one go so we agreed verbally a repayment plan, nothing in writing. A couple of days before the first payment was due after some d
  8. Hi there, hope this is in the right place. Background - we reserved a home with Taylor Wimpey in January 2015. On 14th Feb 2015, we completed a reservation checklist (of which we have a copy) where we went through the plans for the estate, this detailed drains, trees, sub stations, etc etc... We completed and moved in on 3rd July 2015. Very happy in our home, until 7th Jan this year, when the local bus company erected a temporary stop outside our kitchen window. This stop is less than 3 metres from the front of my house and right in front of my gate. We knew the road was to be a
  9. Hello, My house is a semi detached, next to my garden fence is a piece of land of which I m trying to acquire . What it is, is that there is public footpath which runs diagonally across it next to my fence. But then round the edge of the land is a ready alternative foot path too Which people also use. I have tried contacting the council, they own the land, but it has been adopted by the Essex highways they said, because of the footpath. One of the reasons for wanting the land is because passers by keep kicking and damaging my fence as the said path is just next to my fence, I have chi
  10. Hi, Last October my 14 yr old son was after a new game for his PS4. He found a website called G4k.me. As he wanted to pay with my Paypal he showed me the game on the site etc (as I always double check with him using my Paypal), Thing was I was on way to work, quick glance website seemed fine and said ok get it ordered. I later asked if he got game and he said yeah they send an PS4 account with the game on and I just login. Fair enough I thought seemed an odd set up but as Im not a PS4 user i thought maybe thats how it works with online purchase and company "seemed" legitimate enough. Bu
  11. I have bred pedigree cats for over four decades and it breaks my heart every time I see someone taken for a ride when buying a pedigree kitten. The aim of this thread is to demystify the whole process, to let you know what we breeders do so you know what to look for beyond the obvious clean eyes, flea free coats, and only one litter a year stuff you already know to ask. There's nothing special or magic about a breeder. Anyone can be a breeder and with cats it's quite normal for a breeding girl to be kept as any pet cat would be. What makes us different to a pet owner who simply doesn't
  12. Is this all legit and above board? This is the sort of thing I mean; http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=84262 I have a similar issue with quickquid in which they sold a debt and all rights to a third party, but I think they have now bought it back and want to offset the balance against a refund I'm owed. I have noted that the debt is full of charges which would need to be removed. It seems unfair that they can do this as when they sold the account they broke the chain and their right to set it off against any future refund. And they probably sold it for a
  13. A friend of mine has recently bought a used car for 7500 pounds for his company from a used car dealer. 9 days after collecting the car it broke down and has been diagnosed as having head gasket failure, the dealer took the car back and appeared as if he was going to sort it but now has given my friend a estimate of 700 pounds to repair the vehicle. Can anyone advise on what rights my friend has as he bought it in his company name is he high and dry or does he have some possible route for getting the dealer to sort it. Thanks
  14. Good morning , could someone please tell me if shares are bought for me, from money in a SIPP, should the trustees of signed the share form. I have removed my personal details, gut were it states the detail's of trustees is blank. Thank you.
  15. Our worst car buying experience ever - horrendous! I cannot underestimate how shocked we were at how Bullitt Cars in North London refused to refund us our money when we rejected a faulty car. We bought a car for over £12,000 and the first time it rained it was clear that the roof was leaking. We returned the car to reject it as is our right under the Sales of Goods Act 1979 as it was not fit for purpose and they refused to refund us our money. They then drove and fixed the car without our permission and attempted to force us to pick the car up by charging us £30 a day storage. The po
  16. I've taken out an insurance policy. a term assurance one over 15 years thinking even if I still live over that we get a payout. I wanted one where I know there would be a definate payout.
  17. I might have been deceived or involved in illegal activity? I'm buying a property from an auction . The seller of the property isn't the owner of the property. It is an investment company that has signed an agreement with the real landlord. Their completion date is the same as my contract with the investment company but an hour earlier. The reason I think it might be fraud is because we have dealt with the investment company solicitors in the past. Their solicitors didn't want to say too much but they hinted that they wouldn't deal with that company again and what t
  18. Hi all Got an interesting question that I've not been able to find a definitive answer too. My dad is disabled and gets the full motability allowance, but is no longer allowed to drive. So for the past 3 years as I bought a car specifically large enough to take him and my mother (both are also elderly) out and about... We were able to nominate my car for use as a disabled vehicle. This means it's been transferred to disabled use and we are exempt from VED. But at some point in the next 12 months, I will need to change the car as it's getting on a bit and starting to cost
  19. My lad received in the post an advise and information booklet on keeping his motorcycle safe and secure, sent by the local police. He had recently just brought the scooter, and had only ridden it a half dozen times and had not been stopped as it was Taxed, MOT'd and Insured. I was told that the local police force buy the information from the DVLA and wondered if this was true? As that being a Council Tax Payer, a proportion of the Tax goes to my local force. Having waited 8 days for them (the police) to come out after having a brick through my window, I find myself wonder
  20. I need some advice please on how to get a deposit back after placing one on a 2nd hand car. 2 weeks ago we found a car at a small 2nd hand car dealer but it had some issues. The deal was we would purchase the car if the issues (repair some bodywork, pass MOT, fix door seal, stop car veering to right when driving) were rectified. We agreed and I placed a deposit of £495 (Car cost £3995) on a visa debit card, signed an agreement and left. I have returned today to collect the car after being told all repairs agreed were fixed and the car was ready. On arrival we found that only the MOT
  21. Hi all, Is there a cooling off period when you buy a used car?? I went to a main dealer yesterday and bought a near new Ford Fiesta and I'm happy with the car but now think it would be cheaper just to get a loan rather than take out the PCP finance. Can I walk away from this and get my £1000 deposit back if i've signed the vehicle order agreement?? Many thanks.
  22. Not sure if this is the right forum or not for this one, but here it is. My dad has offered me an interest free loan to buy my council flat, which is all good, and everyone is happy to go ahead with it. The problem i have is, within the next five years, he may well end up in a care home, which means his assets will be taken to pay for it. Does anyone know, as the loan will count as an asset, if i can be forced to pay back, or sell, to pay the bills, or would the terms of the loan still hold, but just be transferred to the local authority paying for the care home? I have aske
  23. Well have been with Hastings since 2011 prices started out at around £300 fully comp last quote was £600 changed to premium as it was a better deal think it was £480 for this year anyway paid because everything has been fine its the same car 2001 Peugeot 406 no claims no accidents 9yrs no claims etc... just don't want the hassle need insurance its a legal requirement (not a luxury) and when I'm told not to worry if anything happens you can depend on us to make your claim hassle free I trust that statement. Well 12/12/2014 at 19:40 somebody came off a side street on the right smashed in
  24. Hi I currently have a car which i use for personal and business use, this is my only vehicle. I am replacing this car with a sign written business van, again i will also be using it for personal use. I am borrowing the money for the van. Can you tell me how i put this through the books, do i put the loan through and the cost of the vehicle or not? Do i still work purely on the mileage allowance of 45p per mile that i use for business? Appreciated, thanks
  25. Another lender has just informed me that they have sold the account to MMF, they already owned 2 accounts which are still outstanding and now this is the 3rd! Is there any limit to the amount of accounts they will buy belonging to a single person? Do they believe I'm easy to get money out of so they keep buying my accounts? Do they do bundle deals to clear all accounts? Anyone been in the same situation, or able to shed some light on the situation and the best course of action. I dont want a company buying up all my old debts but could be some benefit if they do deals to settle t
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