Hi Needing some advice and guidance, will keep this to the point and hopefully someone can help, It was a 40th treat for myself which makes it even worse for me. Viewed a vehicle on 04/11/18, at a Lookers dealer in Carlisle, 70+ miles from our home address, Paid full screen price, £12,500, paid £8000 on debit card and £4500 on finance, asked for a few cosmetic repair's to carried out as well as serviced, mot'd and fully valeted. Got train back to dealer on 17/11/18 with wife and kids to collect vehicle, only thing was it hadn't been cleaned at all well apart from that happy with vehicle and service received. Drove home, on returning home (82miles covered) not even 3 hours into ownership the vehicle has smoking badly from under the vehicle, the transfer box on the transmission had been leaking all over the exhaust and underside of vehicle causing the burning smell and smoke when arriving home. So at this time on a Saturday night the dealership was closed so emailed the salesman. The workshop manager contacted us Monday to arrange vehicle collection as they wanted the option to repair the vehicle at the purchasing dealership (which turned into a joke), the vehicle was collected on a trailer (20/11/18) and took back to Carlisle. The oil leak was rectified and the vehicle returned to my place of work on 23/11/18. I took delivery of the vehicle as the leak seemed to be rectified, when I left for work I tested the 4wd system which displayed a fault, contacted the general manager as it had been passed to him to deal with and verbally agreed he knew the 4wd was working prior to repair as he drove the vehicle when it was traded in, as I also knew it was working as I tested it before purchase. He contacted me to let me know he had booked it into the Lookers Ford dealer nearer to my home, great, dropped it Monday 26/11/18 to be inspected Tuesday, this didn't happen, the inspection took place on Wednesday, they condemned the transfer box, the General manager from Carlisle contacted me to state a new one would be fitted and he had authorised the repairs. Collect the vehicle 03/12/18 far dirtier than when I dropped it off and to discover a second-hand unit had been fitted not new, which has now shown a fault 1 day after the replacement transfer box. I'm at the end of my tether. Now this is where my problem starts...…. and for my post needing help!! (sorry for the long post) I don't think for one second they will challenge my rejection as he has already made this a evident to me over the phone. We have been more than reasonable and in turn they have been fine with us. But.. Its a 63 reg vehicle and only had 44K miles recorded and had a very high spec. if I'm just to simply take my money back and finance cancelled there is not another vehicle on the market to replace this one for the same value, some are £2000 plus more, I may be being stupid but I don't see why I should now be without a vehicle because of Lookers incompetence or having to be another £2k plus deeper into a vehicle. Not including all the cost to collect the vehicle etc. Is there any advice on how to progress with this? I want the vehicle that was described to me at initial purchase, however I have lost all faith in the one I have. Are they obliged to find me one either from group stock or from an alternative source? and if they are and it is at a higher price - do I have any rights with them to ask them to price match for the one I bought? I don't see why I should be out of pocket and back to square one, after viewing a few vehicles before purchasing this one. Thanks

Hi all, I bought an ipad in 2012 which was "4G" ready. My Ipad has never worked outside the home and I've barely used it since. I have now learned that these were missold by Apple and they have asked me to contact the seller) to claim under Consumer Rights laws. When I bought the ipad, I also bought a cover. I used vouchers and credit card. The credit card amount is one pound under the cost of the case - I also bought the extended warranty in a separate transaction, on the credit card. The seller have told me they will provide a pro ratered refund. Do I have a section 75 claim with the credit card provider, on the basis that the ipad was on the same receipt as the case? Without the case, the ipad cost would have been covered by the vouchers, however I would have bought the case with vouchers anyway, leaving the same amount to have been paid on the credit card if I had bought the ipad seperately.

Hi Just after a bit of advice. I have heading out to Turkey next week for a hair transplant. The operation will be in Turkey but the company gethair.co.uk has an office in London which deals with all of the admin and signing up new customers aswell as having a UK bank account. The question is if I paid £100 of the balance on a UK credit card, would I be covered for any shoddy or poor service received in Istanbul. Since the company I have dealt with up until now is technically UK based? Appreciate any thoughts on this thanks

Sexual abuse of cadets 'was covered up by officials who urged victims not to tell police' READ MORE HERE: http://www.telegraph.co.uk/news/2017/07/04/sexual-abuse-cadets-covered-officials-urged-victims-not-tell/

Now see them here at home https://www.theguardian.com/environment/gallery/2017/jun/27/ocean-plastic-pollution-scotland-in-pictures

I have recently been trying to make a claim on my warranty cover for my BMW 1 series with the WMS Group. I purchased the 4 star policy when I purchased the vehicle. This is the first claim I have tried to make in three years. This claim was for the Steering Column, because the warning light on the vehicle was showing RED. They told me NOT to take it to a BMW Dealership but to another garage to have the repair estimated. The repair, according to the garage is for the sensor light on the steering column, of which, WMS SAY is NOT Covered on the policy even though the steering column is. Having now read the policy from back to front, it is virtually impossible to make a claim on this warranty for anything, even though this was not stated when the policy was taken out. The policy states Steering, of which this should fall under. The policy is worthless and no one should ever purchase this in any form. I need advice on how this can be classed as a miss sold policy so I therefore may be able to at least claim the cost of the policy back. I feel they have left me with an un-roadworthy vehicle and the cost of repair is £600 If anyone else has had similar problems I suggest we get together and close these businesses down as they are doing more harm than good.

My son's VW Golf needs a Drive Belt replaced, is it covered by the manufacturer's warranty. It's a 15 plate done just over 20,000 miles.

I will keep this brief... New Peugeot C3 about 10 months old, rear bumper came loose and flew off of motorway, Morethan say I cant claim as there was no third party involved in the incident. Peugeot refuse to repair under warranty. Any thoughts highly appreciated. Thanks Scott

Hi, I purchased a Panasonic TV in March 2015 with a 6 Year Warranty, We decided to move the TV and unplugged the Ethernet plug as I pulled it out the whole Ethernet socket had become detached. I did not use any excessive force, I rang Panasonic who contacted their repair agents the regional repair centre in Birmingham which the engineer said it wont be covered as it was pulled out. I emailed Panasonic who retrieved the report from the engineer which said I had ripped out the Ethernet plug so Panasonic will not repair. I believe The Ethernet port was faulty and should be repaired under Panasonic's warranty I hope someone on this forum can help my predicament.

I'm reposting this here from another board in the hope someone can help clarify the legal situation and rights. My brother bought a Lenovo Yoga 10" tablet from Argos back in late October 2014. Only by no fault of his own after using it for a few hours one night just over 2 weeks ago and letting it rest\cool overnight he awoke to find the screen had a crack in it. Not the lcd screen, just the top digitizer part. He has always kept it in an official Lenovo case and did not (and I have no reason to dis-believe him) drop it at any point and he has no reason to lie about this. He has tried to take it back to Argos himself, the start of Jan, again claiming it was not dropped but Argos seemed to insist that it has to get sent to be evaluated by there agents that deal with these things than to offer a replacement or refund. When it came back, totally unrepaired or worked on the size of the crack had grown and is now from one end of the screen to the other. The response from the Argos store repairs agents states the item had not been dropped in any way but had developed a slight crack down the screen. Their findings say the unit has a damaged digitizer and that its not covered by the manufacturers warranty. They claim they are unable to source parts and say in there experience the cost of the repair would be about equal to that of the unit anyway. The agents then suggest my brother contact Lenovo directly to deal with what they see as a chargeble repair due to a claim the screen and digitizers are not manufacturer warranty covered. Now, some research I have done shows\indicates these screen self crack issues in Lenovo products is becoming quite common, well more reported yet Lenovo are seemingly refusing to accept its a manufacturing\quality issue or really directly responding to or commenting on such reports on there own support board. And indicators suggest it could be down to heat\temp\thermal hot spot issues or a flexability of the tablets casing with the possibility that the adhesive used to fix the digitizer down could be causing weak\stress points. I've now took this matter up on behalf of my brother as I'm somewhat more assertive and determined than he is dealing with these things. So I took the item back to Argos with there repair agents report myself to see what the stores official line was and is for myself. And to be honest it was like knocking my head against a brick wall with the standardised "if the manufacturer says a certain part is not covered then its not covered" & "take the matter up with the manufacturer if your not happy". The first staff member when explaining the situation to her, showing her the tablet and showing her the repair agents report caused her to have to go and speak to her manager and even call Lenovo over the claim the screens and digitizers on such items are not covered under Sales Of Goods Act in the UK etc due to Lenovo claiming the screens and digitizers are not covered by the manufacturers warranty. They came back after less than 10 minutes (funny how they got hold of someone high up in Lenovo to get that clarification so quickly eh?) and said for as long as Lenovo are standing by claims that tablet screens and digitizers are not covered under the manufacturers warranty then Argos on a store level can't do anything about the issue and suggest my brother take it up with Lenovo himself if he's not happy. So not happy I ask to speak to the store manager. The store manager is sticking to the same line as the staff member and Lenovo that they got hold of so quickly. The manager even went as far as to say "in my opinion the crack looks to be accidental user damage", yet would not accept our reasoning that if (which it had not) beed dropped there would almost certainly be signs of damage on the casing such as scrapes, dents or scratches as well as it being more likely the LCD screen would also have cracked and become damaged. The manager also refused to accept or even willing to look into my own findings and research that screen cracks do and can be caused by either poor build quality or heat issues with the screen etc. In fact, in handling the tablet myself it does feel to have a slight flex in it which I personally feel is unacceptable for a £200 tablet to feel somewhat flimsy and what I feel of poor build quality. The manager also refused to accept their repair agents report that stated the item had not been dropped as meaning they (the repair agents) found the item had not been dropped, but more my brothers original claim when it was sent off that it had not been dropped or misused or mistreated etc. But as I pointed out, there was also no signs of damage or indication that it had been dropped, user caused accidental damage or any such findings by their repair agents either. As if their repair agents had found or thought that to be the case then clearly they would have stated so than claimed such parts are not warranty covered. And if the findings could not determine any user end blame then that only leaves a manufacturing issue. And that their refusal to repair the item is based on both a claim that such parts are not covered under the manufacturers warranty and that they could not source the part anyway. Yet funny how they tried to source a part after determining that the same part is not covered I feel!. The store manager also did not want to clarify or even bother to check with their head office (claiming they don't have a number for their head office) on if the Sales Of Goods Act and having to be fit for purpose etc applies over a manufacturers claims certain parts are not covered. So as it is now, I'm a little unsure of where to go as clearly in my mind the store manager should have discussed the matter with a superior at their head office over claims certain parts are not covered by a manufacturers warranty and how the Sales Of Goods Act applies?.

Hi all, sorry if this all seems naive but I really don't have much knowledge about the ins and outs of debts/debt collect etc. In 2005 my brother persuaded my 70 year old mum to sign for a mobile phone contract as he has a very poor credit history and assured her he would be making all the payments. It has come to light in the last few days that my brother has been borrowing money from my mum - who is on a low income-pension and I have taken charge of the situation to prevent him taking any more money from her. Having gone through her bank statements with her I noticed a direct debit going out for £50 a month to LP1 collections. Having investigated further I have found out it is for debts somehow accrued since this 2005 contract was taken out and it relates to 3 mobile phone numbers in total. Total debt is around £2000! My mum is completely innocent in all this other than feeling pressured into signing for the contract in 2005 - and indeed my brother had made some payments but then defaulted. My mother has never had or used a mobile phone, is very distressed by all of this understandably. Whilst I understand legally she signed that contract - is there any way that we can get the debt put into my brothers name - Lowell have my brothers name on their accounts as well - but insist the debt is in my mums name. Any help or advice anyone can give would be greatly appreciated. Thanks

We parked at the Peel Centre on the evening of 9th February 2014. We arrived, parked & left with some friends who were in a separate car. All the ticket machines were covered up with yellow covers, so we couldn't purchase a ticket. We took photos of all the machines in the vicinity just in case of any come back. We received a PCN from Excel Parking Services which we appealed against, but it was rejected. We appealed to POPLA, and again the appeal was rejected. In short, Excel & POPLA are saying that we should have contacted the Helpline No, but the sign next to each machine just says “in case of machine failure please use another machine and report the fault by calling our Helpline telephone number”. However: - There was no fault to report. - We couldn't use another machine because they were all covered up. - It doesn't say on the sign that you should call the Helpline number to make alternative payment arrangements. - Our friends who arrived, parked & left at the same time as us didn't receive a PCN. - I have asked Excel Parking on several occasions (by email) why the machines were covered up on the night in question - they haven't replied. How do we know they didn't cover them all up on purpose to catch people out?! This is the summary from POPLA: "Considering carefully, all the evidence before me, I find that by parking at the site for 73 minutes without purchasing the appropriate parking tariff, the appellant breached the terms and conditions of using the site. I also find that if the appellant was unable to purchase a valid ticket/ permit, they should have contacted the operator on the number provided on the signage displayed at the site, failing this they should not have parked there. I also find that the appellant’s case is that of mitigation. Mitigating circumstances do not form a valid ground to allow an appeal. Accordingly, this appeal must be refused." I now have until Friday 1st August to pay £100 fine "in order to avoid any further action by the operator". I would really appreciate some advice!! Thanks Karen Williams

Evening All, Can anyone tell me is a mobile phone contract covered under Credit Consumer, if not could someone what covers a phone contract. Thank

I think this is in the rite place as in the long run it will be thrown at the council or a bailiff if need be. This is to do with council tax. If someone has suffered from depression for a long period, 6 years roughly, and has been taking anti-depressants for that length of time, are they classed as vulnerable. They have trouble coping even for one day if they miss there daily dose, and trust me, they have tried to cut down slowly because they want to get off them but there's a big change in them within a couple of days even if they only take half a dose of there medication each day. Would this be enough to throw at the council to get them to stop sticking the boot in.. Thanks for any replies in advance...

Hello, I am in need of help please. Story goes, I bought a 3.5 horsebox from a guy who converts small used wagons into horseboxes approximately 12months ago paid £10,500 punds in cash. About 2 weeks ago. on loading my horse onto the wagon to go to a horse show., as i was about to shut up the ramp, my horses hoof went through the floor. luckly as she is not a panicky horse she pull it back through the floor. after unloading the horse on close inspection of the floor, i found that the base floor of the wagon was rotten and crumbling there was a block of wood 6inches by 2 inches which has appeared to be hammered in to the outer side of the rotten wood. This block of wood I found on the ground under the hole the horses foot had made I am of the belief that this wood had been hammered in to keep the rotten floor together. There was a quarter ply wood sheets over this area that the horse would stand on. This wood is far to thin to support the weight of a horse. Anybody who knows anything about horsebos floors know that these must be of a minimum of threequarte ply wood sheets. I have been driving around with my horse in a potential death trap and have I been driving find the thought of the consequences to the welfare of my horse extremely upsetting. I telephoned the guy who converted the horsebox and informed him of the incident. He innforms me that the van was sold to me as seen. I told me that I disagreed that I could not have seen the rotten floor as it was covered with rubber matting. He told me that he has bought the wagon with the floor already down and that it was nothing to do with him. I asked him to repair the floor, ie replace it with the proper standard flooring, or I would have the floor replaced and send him the bill He stated that he would think about it and get back to me. He has not got back to me, even though I have tested him to make arrangedmentfor him to view the damaged floor. I have now lost entry fees for shows as I had pre-booked the classes and also had to pay somebody else to transpost my horses. What can I do please? any advice please as to what I can do? Thank you