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  1. Talking of PPI its a shame I can't claim against unenforceable debts
  2. Hi Guys In November, I applied for a post office credit card and was declined despite having near perfect scores with Experian and Equifax. I used an eligibility checker first and it showed that I had a 95% chance of being approved so I felt confident to apply. However, while filling out the application form I did notice that there were no fields to enter information as a self-employed person but I proceeded anyway by entering info about my self-employed status so it may be that they only approve those that are employed. I received a letter from them confirming the declin
  3. Hi, I purchased a Peugeot 207 from a reputable dealer (or so I thought) for just under £3000 just over six weeks ago. This car is on finance. The car broke down, the clutch has gone completely, just after six weeks and I have driven less than 200 miles in the car. The dealer are blaming me for the fault and are refusing to put this right. I have quoted the consumer law 2015 at them stating that they have to prove the car didn't have the fault when I purchased it. They are still refusing to deal with the situation and that I have to pay for repair. Now I am des
  4. Hello My husband apparently went the wrong way down a one way street. He didn't see any signs. I was going to ask if anyone can identify any technicalities we could use to avoid paying the PCN but I can't upload the photos as I don't have enough posts! So I will ask the only question that I can without photos...The PCN arrived yesterday, 21 June 2018, (with first class postage) but I note that the notice is dated 13 June 2018. This means there is a very short time before the 14 days expire. Does this give us anything to argue? Thank you so much
  5. Hi all, Looking for some guidance regarding 5 legitimate?? (unsure) PCN s on a broken down vehicle. Scenario. My sons car broke down away from his home. He has a valid residents paid on street parking permit for his home. but could not arrange a tow . He tried one garage.... but no availability, until finally contacting an available garage 5 days later which was then free to tow and repair it . He put a note in the vehicle windscreen to advise of breakdown. He received 5 PCN's over nine days. Could anyone guide on a suitable challenge? Please. Also on l
  6. Britain’s most advanced jets touch down on home soil READ MORE HERE: https://www.gov.uk/government/news/britains-most-advanced-jets-touch-down-on-home-soil
  7. Rogue pension and finance companies closed down after abusing millions of pounds READ MORE HERE: https://www.gov.uk/government/news/rogue-pension-and-finance-companies-closed-down-after-abusing-millions-of-pounds
  8. Purchased a BMW 420 Convertible on a 66 plat (Purchased August 2017) with less then 5,000 miles. EX Demo Car. 7 months in to owing the car, 3 of the 4 alloys have corroded. took the car to BMW of which tells me in May 2017 (3 months before i had purchased the car, 3 of the alloys had been refurbished and only carry a 6 month warranty. It was not disclosed to me that the alloys had been refurbished. I said to them i don't expect to purchase a car less then 5k miles for over £30k to have refurbished alloys. I requested new alloys as it was not disclosed to me at point of sale. the
  9. My wife has been employed by the local pub owner who took on the lease of the village shop three years ago. My wife was employed from the outset to work in the shop. Since day one she has consistently worked over 28 hours a week at a rate above the NMW. She has been paying tax, NI, pension etc and has received holiday pay. However, she was never given a contract of employment. The pub owner has now bought the land that the shop is on, and plans to demolish it and build houses on the land, meaning the shop will close. He is however going to open a small "shop" within the pub to sell e
  10. Hi, I wonder if anyone could clear things up for me, I purchased a used car 5 months ago which broke down yesterday, the steering lock is electronic and will not disengage meaning the car won't start. I had to have the car recovered to home as it was in a pay and display spot. It is my understanding of the CRA that if a fault occurs up to 6 months then the dealer has to offer a repair or replacement. They said there was a 3 months warranty and that's that. Upon ringing the dealer today, they told me to book it in and it will be chargable. Recovery has already cost m
  11. 'LET DOWN BY MY COUNTRY' Hero war vet, 50, who was Prince Charles and Diana’s driver left homeless sleeping in bushes and feeding off scraps READ MORE HERE: https://www.thesun.co.uk/news/5551197/hero-war-vet-50-who-was-prince-charles-and-dianas-driver-left-homeless-sleeping-in-bushes-and-feeding-off-scraps/
  12. Capita look to be in trouble, wonder where this will go, especially in view of the Capita/Equita/Ross 'n Robbers stitch up at many infested councils. https://www.theguardian.com/business/2018/jan/31/shares-in-uk-government-contractor-capita-plunge-40-after-profit-warning
  13. http://www.lep.co.uk/news/health/nhs-computers-down-after-virus-patients-told-to-avoid-hospital-and-walk-in-centre-unless-absolutely-necessary-1-8540798 Just spoke with someone at our local hospital and servers ate all being shut down - confirmed
  14. Hello Guys, I am looking for advice on best place to start with my issue. I have 2 years 9 month old Bosch washing machine purchased from online retailer washtech.co.uk which suddenly developed sevaral cracks in the outside plastic drum. Washing machine was working ok for a first year then touch screen controls started playing up and I got it repaired under warranty in October last year. No problem with controls since then but today my garage got flooded by the water during drum clean cycle. I took back panel off hoping it was a pump or waste pipe. Unfortunately ex
  15. My DLA was recently stopped (didn't even bother to try or PIP as I know I had no chance). Well today I got a "revised"calculation of my housing benefit due to my DLA being stopped, and it's gone down by over £30 a week? I'm confused by this. I didn't think DLA was means tested and I don't understand how I'm expecting to pay more now that I'm worse off? Does anybody have any knowledge on this that can help please?
  16. Hi, I have just picked up a car 530pm today reference and on my way home the car stalled in the middle of the road and it took awhile before the engine turned on again. when it did, multiple warning lights came on the dashboard 1. DBC (Dynamic Brake control) 2. ASC (Automatic Stability Control) 3. Engine Malfunction 4. Tire Pressure Monitor. Carried on driving but felt there was a problem decided to go to my friends house which was nearer from where I picked up the car from instead of driving it all the way to where my final destination is. The c
  17. If you are self-employed and you are owed money from a company (construction) for an unpaid invoice and you start court proceeding's can they close the company down before it gets to the court date and if they can is their any way of stopping them doing this Thanks
  18. George Osborne today announced he is quitting as an MP but will carry on “fighting for that Britain I love” as editor of the Evening Standard. In a letter revealing his decision to Conservatives in his Tatton constituency, he said he was thrilled to be taking charge of “a great newspaper”. The former Chancellor, 45, made plain that he intends to stay active in political debates on issues he is passionate about. And he hinted he could make a political comeback in future, saying he was leaving Westminster “for now”. Stepping Down-Quitting all the same to me. http://www.standard.co.uk/
  19. About a year ago we had some building work done which has now turned out to be sub-standard. I have tried to get hold of the guy, but his home phone and email no longer work, and I suspect his mobile number has changed also. All I have is a name, a bank account/sort code, and a post code. With the beauty of hindsight I should have never used a tradesman who didn't put his full address on his paperwork. I have done a WHOIS lookup on his website, and I have a registered address from that, which is different (but close) to the "contact us" details on the website.
  20. Bought a car: - made in 2010 - 89,000 miles - Ad said: "car is mechanically excellent" - Paid GBP 2900 with debit card - Trade seller After 200 miles, car broke down (engine noisy, smoking and not going anywhere). Seller said I was driving the car with a problem, hence it's my fault. Called citizen's advice, got deferred to consumer helpline. They called today, saying: 1. The burden of proof is on ME 2. I need to take the car back and get an independent export report 3. I need to prove it is a "manufacturer's defect" All these 3 are totally contrary to what I
  21. My mate who I car share with at work has massive problems with the guy that lives next door to him, a while ago his sons dog 'nipped' the neighbour as he was walking through my mates garden which has a shared 'right of way' from way back when horses were used to transport coal from the mines at the back of the cottages where they live. Went to court yesterday after the neighbour pressed charges under the dangerous dog act, and this was the outcome... http://www.dailyrecord.co.uk/news/scottish-news/dog-who-bit-neighbour-saved-10065141
  22. Not sure if posting in the correct category. My issue is that first time in my life I have decided to apply for a credit card. A good friend of mine recommended MBNA as she has a very good experience with them. Turns out for some mysterious reason that MBNA thinks I do not qualify for their credit card. I never checked my credit score and don't really wanna do it. Here's my history in a nutshell: Living in London for 15 years, residency status, EU national. NEVER applied for a credit card in my life before Banking with Santander ever since opening my first account in Engla
  23. In September this year I was driving my SORNED 29 year old car to an MOT in Penge as there is a classic Citroen specialist who looks after said cars. I broke down at the traffic lights in Crystal Palace causing untold mayhem during the beginnings of the Friday rush hour. The police passed by, but didn't stop to help. Two young men helped me push the car to safety and allowed the traffic to flow. I waited for the breakdown recovery people to arrive for two hours and when they did, the journey continued to Penge - a mere two or three miles down the road. It was ther
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