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  1. i had to pay marston money, called them and aranged the payment to be taken in 3 instalments… i thought all was done and dusted i just received a call that i hadnt paid the full amount, and that i must have messed up aranging it with my bank. although i didnt contact my bank at all, i only aranged it through marston themselves and even confirmed at the end of the original call that everything was sorted. the guy i spoke to (called me on a mobile number) said i hadnt paid in full however i had aranged the direct debits with marston who failed to take the full amount in the last payment. they took money, and the full amount was available at the time, they just didn't take enough which i found out just now after checking my bank statement. after informing him that i had aranged it with the marston call centre, he told me he will send an enforcement agent and that i would owe another £265 (ish) didn't ask me to pay the extra before saying this, just jumped straight to that after i said i had arranged for the payments to be taken and it must be the fault if the company. apparently, its my responsibility for marston to take the correct amount according to this guy. what are my rights here? guy was pretty rude calling me son and pal and making it out to be entirely my fault and not the fault of marston.
  2. Jail for travel agent who failed to explain missing thousands READ MORE HERE: https://www.gov.uk/government/news/jail-for-travel-agent-who-failed-to-explain-missing-thousands https://www.birminghammail.co.uk/news/midlands-news/former-travelogue-travel-agent-boss-15327351
  3. Hi, I have debt with a few different companies amounting to around £19k as a result of my company becoming unable to manage our cash flow. (We were bought down by several of our clients not able to pay us now the inland revenue are winding the company up.) The above aside I would like some advice on what I can do to manage the debt that I have built up trying to support the company which is as follows: Current account: - £2,600 over-dawn - overdraft limit is £3k Credit card 1 - £2,540 - limit is £3k Credit card 2 - £3,145 - 0% interest card for 18 months Credit card 3 - £3,320 - limit is £6,500 Also; A personal account with a joinery supplier to which I owe £7,800. So all in all about £19,405 and increasing daily due to living costs etc. All the debt I have above is from buying materials for the company, going without being paid for several months and not being able to pay my expenses for several months in order to support the company. (I also had £10k invested in the company that I have lost) and; The company's overdraft facility which is £25k shared equally between myself and my business partner. In order to get this we had to sign a debenture in order to personally guarantee it. I didn't include the above because I'm not sure if this needs to be considered for the time being, I guess that's question 1 because the revenue haven't completed winding us up so the account is still live and hasn't been frozen. My current personal circumstances as a result of this are as follows: I am separated from my fiancé and have a child with her that I obviously need to support and at the very least pay maintenance for. moved out and have been living with my mother for just under a year. no assets and no savings. (No car and certainly no house) no job and have not being paid for the last couple of months. The pressing issue I have is the account with the joinery company, which is question 2 My company had an account with them with a small credit limit so both myself and my business partner set up our own individual accounts as a way of extending our purchasing ability. My company's account is settled as is my business partners however mine isn't. As a result they issued a CCJ against me about 6 months ago because we were not able to pay it off. An agreement was reached through the courts and a figure had to be paid every month. As the company failed we couldn't pay this even. The court has sent me an interim third party debt order, the joinery company is seeking to get a court order to demand from my bank the contents of my account. Question 3 I guess is where I go with all of this next, I haven't got any way forward with any way to pay this off, and after years of sacrifice and going without I have come out the other side with less than nothing. I have done a little research into what my options are but I guess taking all of the above into consideration, what is the best approach: Debt relief order - for debts of less than £20k - although i'm now very close to the limit not taking the business's over draft facility so i'm not sure if eligible Individual voluntary agreement - If the above isn't possible perhaps this would work but would everything be covered in this? Bankruptcy - not ideal for obvious reasons.
  4. For a windscreen ticket (Notice To Driver) please answer the following questions.... 1 The date of infringement? 4/9/17 2 Have you yet appealed to the parking company yet? [Y/N?] Y (stupidly enough to negate my Pofa) if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide has there been a response? Y - appeal rejected 5 Who is the parking company?Parking Control Management (UK) Ltd (“PCM”) 6. where exactly [Carpark name and town] did you park? Right to park in own development ("London City Island" according to lease. Paid £30k for it and MC just washed off their hands There is a clause in the lease that might make my case slightly different to the precedents that I had read: To comply with all reasonable regulations which the Landlord may from time to time make and publish in respect of the use of car parking spaces within the Parking Area I strongly believe that the regulation to display permit and getting "invoiced" for it is not "reasonable" contrary to the clause in the lease. I have already paid for the right to park, being charged for no permit would be unreasonable. CAG pdf_Redacted.pdf Appeal rejected_Redacted.pdf
  5. Back in late October 2014 we purchased an Hitachi Fridge Freezer. One of those amazing offers reduced from £499 to £349. In mid April it failed with a code (5r) being displayed. I called Argos and was advised that I should find a company to check it out and produce a report then they would make a decision. The mention of 3 and a half years was an obstacle I was told. Just how hard to find someone anyhow eventually (and a mini fridge purchase later) I find a local company. 2 visits and 2 hours later they decided it was an exceptionally small leak over time and repaired it. They had a charge whatever plus an additional charge for the re-gassing. Come late May I write to Argos and get a fobbed off reply that I used an unauthorised company (what?!) and they offer me a £30 store voucher. This is NOT April the 1st. I then reply again and again I get a letter after a month still offering a voucher and it appears I've been 'dismissed'. On Sunday 5th August and two months has passed we are back to that '5r' fault display. The unit has totally failed and I'm in despair. What can I do?
  6. Hi Wondered - I recieved a parking ticket on 16th July and challenged it the same day. I had heard nothing from local authority so emailed them to check they had received it. I received a response 3 days later saying they had a backlog and challenge will nont be addressed for another 2/3 weeks. Is there a time limit for them to respond to a PCN challenge?
  7. Hi Firstly thanks in advance for help, had some very bad news yesterday and just looking for any advice In early 2018 I was driving a company vehicle and was doing 36 in a 30 zone. The prosecution notice when to the employers as the owners of the vehicle asking them to name the driver. They named me but I left the company around this time. I got a letter asking me to name the driver/if I were the driver. I have to confess I didn't respond. No doubt I have been stupid but this time coincidended with me leaving my family home and having some health issues. I later moved back into the property Because of health and money issues, I do admit I didn't respond to a couple of letters. I guess I just didn't want to face the truth and accept a fine. I got a letter yesterday saying I got taken to court last Thursday. I did not get any letter about going to court. I have been given an £800 fine and banned for 6 months. This seems incredibly harsh as I didn't have any points on my license. I accept the fine although it won't be easy to pay but the ban seems very harsh and makes life fairly difficult for me. Cheers again for any advice received, just wondered if I could appeal/defend in anyway
  8. Hi guys, I hope someone can point me in the right direction or help with a Barclays / Alibaba issue I made a first time purchase through Alibaba 3 months ago - checked with Alibaba if my purchase is covered by their trust assurance guarantee ( and was assured it was covered ) Because it was my first time using Alibaba - I used my Barclays credit card hoping that if anything went wrong I would be covered. I paid for the machine (3k) and received a tracking number - a week later I was contacted by the seller saying TNT had change the tracking number - they then gave me a new number. 2 weeks later I was contacted by TNT saying that the shipment was damaged - but is still on route for delivery, they were unable to tell me how damaged it was at that point but to mark the shipment down as damaged as soon as it arrives. Shipment was delivered completely damaged (its a machine, and the lid to the crate was smashed in half) On opening the crate, the machine was NOT in there - just some parts to the machine, I contacted Alibaba - who told me to contact the buyer, buyer then does not respond. So I contacted Barclays - who put the claim in over the phone and told me to wait for documents in the post, 2 weeks later the documents in the post then arrived confirming the claim, but nothing asking me for more information. I then chased this up weekly with Barclays, and every time I called them or contacted them through their in account messenger service I was told. To be patient someone will be in contact. By that time I had then received an email from Alibaba saying that since I have not raised any queries - they will now release the money to the seller (why would I worry since my claim was already in with Barclays) In the 4th week on my claim and still not being contacted by Barclays - I called them again, and asked to speak to the UK team - I then got put through to the UK disputes team, and the woman I spoke to was quite surprised that my issue had not been dealt with yet - I explained to her that because you (Barclays) had taken so long to deal with this Alibaba have now release the money to the seller. She then asked me to provide all the evidence of purchase including the email from TNT confirming damaged to the shipment. I sent all this through, and got a prompt lets back from them 3 days later saying that are crediting the money to my account - but Alibaba could still dispute this. In the mean time I have had to purchase a much more expensive machine from somewhere else which has promptly arrived. 2 days ago I have now received a letter from Barclays stating that they will not be able to pursue my claim - as Alibaba have come back, and said that I did not raise the issue with them - and that I should go back to TNT and raise the issue with TNT. Barclays have now also stated that they will be unable to pursue as this is a 3rd party site, and the 3k they have credited to my account will now be debited in 14 days. I have since gone back to Alibaba - who have said their is nothing they can do as the money has been released to the seller, if Barclays had not dragged their feet in responding to this window would have not lapsed. What are my rights regarding this charged back ? I am a very small start up business and seems I may have to close before I have even started. Any help would be greatly appreciated Thank you so much
  9. hi, could somebody explain the purpose of a termination notice? i have been served a termination notice 14 days after being served a default notice which i believe to be correct. however i have been served another default notice which is dated the same day as the termination notice. also i am still receiving threats of fees and charges and am wondering the point of the termination notice.
  10. Hi, looking for some help please. Me and my wife purchased a Peugeot 207 on the 29/1/18 from a New and Used car dealer in Saxmundum near Ipswich .It was advertised on ebay as spares or repair so we contacted them to find out what problems it had, the dealer said we just put that on the advert as it has no warranty and selling on behalf of a customer, but it just needs 2 new tyres! After having the car for a few days we noticed something odd when accelerating from a cold start, the revs appear to drop for a second or so then go back to normal. We took the car back to the dealer and they said they could not find anything wrong as ECU did not show any errors ! After a another week we took it back telling them it was dangerous to move off from junctions if revs die, they still said nothing wrong and even blamed our driving as it has a electric clutch, but they replaced a hose as said was slightly split, but appear to make no difference. We now find it has a gearbox oil leak, we took it in on the 31/03/18 to have this repaired, on collection the dealer said he thought it was the clutch housing so they put mastic around it to stop the leak, he said may not last and would cost £500 to fix. Of course the oil leak is still present and have now lost patience with them and asking for a full refund which he has refused and said any further work will be chargeable. I plan to send the letter below with photos of the oil leak: Complaint about faulty goods On 29/01/2018 we purchased and took delivery of a used Peugeot 207 Registration ..... from you. We paid a total of £1000.00 on a debit card for the vehicle. We now find the vehicle has the following faults: Gear box oil leak and oil leak from engine, also revs drop when accelerating, more severe when cold engine. Under the Consumer Rights Act 2015 dealers must supplier goods fit for purpose and satisfactory quality. As there was a problem with the vehicle when we bought it, you are therefore in breach of contract. The vehicle was taken to yourselves on the 03/02/18 to fix the bad running when cold and on the 31/03/18 to fix the oil leak, but you have not been able to rectify either problem. We are now legally entitled to reject the vehicle and to be reimbursed for its full purchase price of £1000.00.I look forward to receiving this amount onto the debit card account that was used for the purchase within the next 14 days. I have attached photos of the oil leaks in support of my claim. The vehicle is now no longer in use. Please respond within 14 days of receiving this letter. Would it be best to send it by post or email it, i would need to email the photos of course. I have attached advert. Many Thanks CarAdvert.pdf
  11. 18 months ago I moved out of my parents house into my first flat (renting) I thought that I'd set up all of my payments (gas, electric, council tax etc), Today I received a letter from united utilities saying they have recently found that my address is occupied and are going to send me a water bill. I've looked over my previous statements, and yes, I didn't inform UU that I'd moved in. I know this was extremely stupid! Obviously I have to ring them and sort this out, I have the money to pay for 18 months worth of bills, but am just afraid of what to expect when I call. Will they threaten me with legal action over failing to disclose my address? Will it affect my credit rating? if I ring them tomorrow to get this sorted, apologise and offer to pay in full, what kind of backlash/penalties can I expect?
  12. Hi, Had to return a jacket from Scotland to Ireland via Hermes. Tracking the parcel got through a few steps and then went missing the day before it was due to be delivered back to retailer. Jacket cost 90 pounds, +10 delivery +Hermes charge of 12 pounds (total 112). Unfortunately I did not take out extra insurance, believing it to be unnecessary. MyHermes saying it's being reviewed, but will not accept my screenshot of receipt which clearly shows price of jacket and delivery charge. Now 3 months down the line and thinking I'll be lucky to get 20 quid back. If the parcel had been returned I would have got a full refund of 112. I'm absolutely gutted. Hermes should not get off with this and of course I keep wondering where the jacket is - stolen or lying around somewhere. It was very securely packaged and labeled. Is there anything else I can do?
  13. On the 1st March I gave notice to my old broadband provider (Virgin) and signed up with Vodafone. The agreement for this service included the transfer of my phone number from Virgin to them. My service allegedly went active on the 13th march, but my broadband wasn't working until the 21st March. Whilst on the phone to them (my old cable line with virgin) I asked when the number would be transferred across, and was told it hadn't even been requested. I was rather ****ed off by this, but they assured me it was being done there and then. about 10 days later and still nothing, we go into a new month which incurs me more line rental charges from Virgin as my phone service isn't disconnected until the number is transferred. I spend a further 95 mins on the phone with Vodafone and am assured that it's being done, I'm told that it's been sent direct to Openreach and they will do it within 72hrs. I am also told that they will be crediting my account with £30, but when I try to check... the online account I setup is mysterious non existent and I can't set it up again as it doesn't recognise my phone number or account number. They are told that the 72hrs ends at 5pm on Friday 6th and if the number is not transferred by then, my services will be terminated due to breach of contract (they failed to transfer the number which was part of my agreement to use their services) 72hrs pass and nothing, virgin claim they've never even received any request to transfer my number over and confirmed this again as of the 16th April. On the 7th April, I send an official complain both through Vodafones website, and via mail to their complaints dept. This complaint terminates my services with them for their failure to do something as simple as transfer my number. A process that has been simplified to make it so easy that a trained monkey could do it. So far they have completely ignored my complaints and have not terminated my service. I am now in limbo, I cannot switch to another provider because there is a temp number on my BT line that I have never used and have no intention of ever using... A new provider will try to transfer that number across instead of my virgin one. I am also still paying for a virgin line and number which I've had for many years and don't wish to lose, because it will cause so many problems. Because they had credited my account with £30 (allegedly, I've not seen proof of this) I cancelled my DD and had the previous one of £27.06 returned to me. Today I got a threatening email saying my 'April' bill is unpaid and I owe them £34 (which would be about right if there was a £30 credit as my normal bill would have been £37) So far they have ignored my complaint, failed to transfer my number and failed to terminate my service. They have been clearly informed of their breach of contract, and my service was terminated within the first 30 days (even if they claim 13th March as date service started, it's still less than 30 days). I am now being threatened with my service being restricted, and if it's not paid service disconnection and payment for the full term of the contract will be pursued. I think I need to escalate this to the regulator... But have no idea how to go about this. Switching is supposed to be easy, but this has been the worst mistake and has caused me so much hassle and stress.
  14. Morning everyone. I purchased a HTC U11+ in November 2017 which was delivered on the 22nd December. On the 22nd January I noticed white lines on my display and contacted HTC to get the device repaired (I was at least one day over the 30 day refund period if the device is faulty). They received the phone on the 29th January and it took them three weeks to repair and return the device to me on the 19th February (despite them claiming a turnaround time of 5-7 working days). Today, I have noticed the same issue happening again, with white lines on the display and trail marks that fade away depending on what is displayed on the screen (it is more noticeable on green, white and blue backgrounds). This issue also seems to be quite common amongst users of the U11 and U11+. Am I entitled to a refund if I have allowed the manufacturer to repair the device but the problem still persists? Going by this link https://www.which.co.uk/consumer-rights/regulation/consumer-rights-act I assume I am but figured I would ask here for clarification. I have already asked HTC for a refund because the initial repair is still defective, but they simply stated they only refund items 14 days old or less and are only offering to repair the device again, which I'd rather not given their track record.
  15. im a 60 year old male , went to sign on today, a couple of weeks after being moved from esa to jsa, straight away i am being sent to a place called workroutes tomorrow, for a consultation, even though i need a walking stick as i can not stand for more than ten minutes, my adviser says they will get me moving forward, as im creating barriers, any one know what this workroutes entails.
  16. My son used to work for a big retail company and had a company car. The company failed to inform HMRC that he had a fuel card with his company car and now my son has been hit with an unpaid tax bill for £1700. The company only sent off the proper form declaring he had a fuel card when he left the company. He is very angry to receive this bill as it appears that he is being billed for the actions of this company and it appears malicious that they only sent off the form when he left. Is there anything he can do about this?
  17. Told today I have failed my ESA medical all benefits stopped and told to reapply for JSA. I am 61 suffer with depression, border line personality disorder, high blood pressure (MH problems documented by a psychiatrist). At my medical my MH was not really considered. I was asked if I was violent and how did my depression anxiety affect me. I was told today I failed because I did not seem panicky or sweating (I took my coat off on one of the coldest days at the medical because I was sweating) the examiner even commented on how cold it was) I said it felt tropial to me, none of this mentioned. I have asked for a reconsideration, so awaiting paperwork, what can I do in the meantime. If I appy for JSA I have been told my new benefit will be UC, (I was sort of told to wait before I apply to see if my reconsideration is successful, because if it is I will stay on ESA and money lost will be backdated). I am scared to death, I have no family so no help with money, I was receiving SMI so that will stop, what is my best action. Any help as I really do not know where to turn I am totally alone in this.
  18. hi. i im a 60 yrs old male.and failed my esa assessment last week ,0 points . i use a walking stick as i have pain in my right leg from motor cycle accident.i had years ago,(leg as metal rod and pins in) i also suffer from nasal polyps nose constantly blocked and running.awaiting another op this will be my 11th op.as they always come back several weeks after, my job seekers appointment for a new claim is tomorrow.just wandering what type of work i should say im looking for, my doctor recommended part time. i can not use the stairs so will have to have interview on ground floor,
  19. Hi. Looking for some advice regarding a reconditioned engine which has failed. We have a Citroen C4 grand Picasso which in February 2016 had engine failure due to carbon build up in the oil system. On taking it to a garage we were quoted £4000 for the work as it required a replacement engine, turbo, injectors ect, On collecting the car it turned out the original injectors had been refitted to the new engine however the garage still attempted to charge us £4000. I argued it out and they then reduced the charge accordingly. I was given a warranty from the garage of 12 months or 12000 miles as long as the engine had a service by them at 1000 miles which it did. At 9 months after fitment and 11231 miles it began to make a strange noise as if there was no oil circulating. As the original garage had tried to rip me off with the injectors cost previously I had lost trust in them and felt if I returned the car direct to them they would wangle their way out of a repair under the warranty and blame it on something else. I therefore asked another qualified mechanic just to have listen to the engine at his garage, not to take any tools to it or do ant work, just listen to the noise and give his opinion. He listened to it and stated there was definatley a serious problem and it needed to be returned to the garage where the warranty was held. I had the vehicle recovered to the garage and when I spoke to the owner he said it would have to be returned to the garage who did the work, some 120 miles away. at this point I was now being told the garage who I had presumed had done the work and who I had paid over £3600 to had not actually done any of the work and had outsourced it without consulting me. I told the owner it was his responsibility to sort it as I had paid him he towed it the 120 miles back to the place that had done the work, a very scruffy, unorganised back street garage whom I would have never considered taking my vehicle to if I had the chioice. I looked at the warranty paperwork I had been given and on close inspection the original garage had actually put his business card over the companys stamp and photocopied it to give to me thus hiding the fact it had been done elsewhere. When the garage who had done the work looked at it they immediately came back to me and said because I had taken it to another garage first that the warranty was invalid. I explained they had done no work on it but they refused to take liability. The guy who had towed the vehicle from the garage then sent me an invoice for £360 charge to tow the vehicle and stated as it was out of warranty I had to pay for recovery. They would not release the vehicle until we had paid this money but I needed to get my car fixed so had no choice. We paid the £360 and had the vehicle recovered by someone else back to near where we live. An engine specialist has now removed and stripped the engine and found there has been several oil leaks on the reconditioned engine which has caused oil starvation to the crankshaft. Although when the noise started we checked the oil level and it was at half and no oil warning lights on. Obviously it has not been built properly if it has so many leaks but I am now faced with a £2500 bill to replace the engine again. where do I stand with the garage? are they within their right to have some other garage do the work without my permission and then cover up their details on the warranty with their own?? no work was done by the first garage I took it to for a verbal opinion so can this justify making my warranty invalid?? Thanks
  20. I really need some help with a problem I have. I was on a 4 day touring holidayicon last week in Scotland in my second hand motorhome which I only purchased around 4 months that I have been saving up for years to buy. On the second day in Scotland the service light came on. With only just purchasing it I wanted to get it seen to quickly I booked it into Arnold Clark, Falkirk Road Grangemouth. I told them exactly what type the motorhome was and they said it wasn't a problem they could sort it out for me the following day which was the Wednesday. I took it into them and waited from 10:30am until around 3:30pm then went to the service desk and asked how the service was doing. I was informed the service had been done but they were having an issue resetting the service light and they would have to take the motorhome to another garage up the road for the light to be turned off. I agreed to wait so they took the motorhome. Over an hour later I returned to the service desk again for another update. They said they still were having an issue turning the service light off and it must be a problem with my motorhomes body computer. they said they couldn't do it. I immediately called the dealership where I purchased the motorhome from in Lancashire and they said they could turn the light off for me if I bought it into them on the Saturday. I paid Arnold Clark for the service as I wanted to get away as by this time it was about 5pm and going dark because its winter and I was booked into a campsite in Edingburgh. I got into the motorhome and drove off. I got about half a mile down the road when I noticed that now not only was the service light illuminated but the airbag fault light was also illuminated all the time, which Arnold Clark hadn't mentioned anything about. I returned to Arnold Clark immediately. They initially denied all knowledge of the airbag light and said it must of been on when I brought the motorhome in as it was impossible for them to of caused it. after a lot of heated talk they finally ask me to return the following day so they could attempt to rectify the issue. However, knowing the garage in Lancashire could turn the lights off I didn't return the Arnold Clark the following day and instead had a days holiday driving around sight seeing, which is why I was in Scotland in the first place. Plus as Arnold Clark were unable to turn the light off on the service day, it was logical to assume they wouldn't be able to turn it off the next day either and I would waste another day of my 4 day holiday for nothing. The weather from Tuesday through to Friday was mostly terrible with torrential rain and high winds, plus I was smothered in a cold. on the Friday morning I decided to drive down to my parents house in Lancashire which was mid point on my way home to Hampshire and also only 10 miles from the garage in Lancashire where I bought the motorhome from. I arrived at my parents early on Friday, it was still raining and windy I decided to immediately take the motorhome into the dealership. However, on the way from my parents house to the dealership the motorhome started to make a strange engine noise. on arriving at the dealership I popped the bonnet with the service guy standing there. We found the oil filler cap was missing from the engine and the engine bay was coated and dripping with oil from the engine. The oil filler cap was found in the window screen wiper well above the engine. I had driven in excess of 600 miles with no oil filler cap in place and oil squirting all over the place. I was smothered in a cold and with the rain and wind I hadn't noticed or smelt anything wrong. I immediately called the Arnold Clark dealership to complain. The head service guy there spoke to me and informed me it was impossible for it to be their error has after servicing all vehicles are inspected by someone else prior to returning the vehicle to the customer. Yet from the point the motorhome was returned to me after the service, I had either been driving, cooking or sleeping in it until it being parked outside the front window of my parents house for 10 minutes before driving it down to the dealership and finding oil everywhere. Arnold Clark as informed me they will investigate the issue but they seriously doubt its anything to do with them. The investigation will take several days and I must not have the motorhome worked on by anyone else in that time. they expect me to stay at my parents house 250 miles away from home and miss work until they finish their investigation. The dealership in Lancashire has had a quick look at the engine and have found the turbo has been damaged due to lack of engine oil as it is now making a strange noise. Luckily though, they don't think there is any other damage to the engine, but they can't really tell properly without taking the engine apart. All they have done is fill the engine with new oil and made sure the oil filler cap is in its correct place and apart from being noisy it seems to run. From my initial conversation with Arnold Clark I know all they are going to do is fob me off saying its nothing to do with them I will be left with, at best, a damaged turbo that needs fixing, probably at my own expense I just think it is wrong and I am absolutely disgusted. I think Arnold Clark should own up to their error and I should be refunded the £224.96 for the service, the £61 something pence I have had to pay for the engine to be quickly inspected, refilled with oil and cleaned, plus whatever the cost of fixing the turbo and whatever else is wrong with the engine will be. Incidentally, The dealership in Lancashire turned sorted out the dashboard lights in no time. So what were Arnold Clark doing??
  21. When the Taking Control of Goods regulations came into effect in 2014, they not only provided a much clearer and fixed fee scale, they also introduced a fairer system whereby, in order to keep bailiff fees to the barest minimum, (of just £75) the debtor is given the opportunity of avoiding a personal bailiff visit (and an enforcement fee of £235 being applied) by paying the debt (including the Compliance Fee of £75) by the date outlined on the Notice of Enforcement....or alternatively, by agreeing a payment arrangement with the enforcement company. Most payment arrangements are for a short period of approx 3-4 months (sometimes even more). Where problems have arisen since 2014, is that many people receiving a Notice of Enforcement from the bailiff company, try to avoid paying bailiff fees by visiting the local authorities website and making an online payment of just the debt owed to the council. Such avoidance methods do not work. This is because, the regulations are very specific in that once the Notice of Enforcement has been issued, the debt owed includes the compliance fee of £75. Furthermore, and this is again in the regulations, any payments made after the Notice of Enforcement has been issued must first be applied towards discharging the Compliance fee (of £75). The bottom line is that if a payment is made to a local authority (minus bailiff fees) after the date on when a Notice of Enforcement is issued, the enforcement company are entitled to their compliance fee (of £75). The effect being that any payment made to a local authority (minus bailiff fees) must be considered as merely a part payment and accordingly, the warrant is not satisfied…and bailiff enforcement can.....and will continue. Since 2014, debt avoidance websites have inundated local authorities with many hundreds of Freedom of Information requests enquiring as to whether councils retain these online payment or pass the compliance fee to the enforcement company etc. These pointless requests have achieved absolutely nothing. There have been quite a few Local Government Ombudsman’s decisions regarding this scenario but a very recent one is of interest because, in this particular case, the local authority adjusted the amount of the Liability Order but failed to inform the enforcement company. The debtor also paid the council direct (minus bailiffs). A have copied the decision in the next post.
  22. Hello i was recently let go from my position as an ICT technician, a role which i have done succesfully for the last 17 years. I started the new job in June this year, leaving a job which i loved but wasnt well payed. At the end of August i was called into head office for a meeting about my 3 month probabtion which was coming to an end. In the meeting i was told that i had not performed as well as they had hope and would not be continuing to employ me and that he was taking advice from an external company (who incidentally were coming in and starting to look after the IT at the start of September) Now i found this quite unbelievable, as ive said ive been in this line of work for 17 years and never had any complaints about my work. and have several references to back this up. To me it stinks of a set up as the last 3 month have been the busiest in the companys year and i was taken on to cover these months with no intention of the role becoming permanent at the end of the 3 months. I have proof that in my 3 months with the company things on the IT side have improved considerably. Im just looking for any advice or recomendations on what my best course of action would be, i have already spoken to ACAS and the told me that i cannot take my former employers to tribunal as i was only there 3 months. Any advice would be greatly appreciated.
  23. Hello, I was on ESA for a year and then had assessment and they said I no longer qualified. I thought, maybe it's a good thing, and claimed JSA back in May and was looking for work and started Functional skills for maths and English as well. Now after 3 months of being on JSA I had Genuine Prospect of Work assessment. I went for it, they asked me 4 or 5 questions and sent it off to the decision maker who requested additional documents. I sent them over 50 pages detailing my employment history since 2006 (when I first came to the UK from EEA). Turned out I failed the assessment and they stopped my JSA What to do now? Get an explanation and MR?
  24. 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!!
  25. The main chaos was all about the cowboy builder to ask the facilitating payment fraud just after the garden wall he demolished in his plan. Make long story short ( go to the paragraph 14 ) ----------------------------------------------------------------------------------------------------- Claim Case registered in March 2014. * However, Halifax assigned its panel*claims management company (LAS) 7 July 2014 handle my case. * on 7*July 2014 The loss assessors provided by LAS confirmed the two hours*appointment commencing at*4pm,*10 July 2014. * LAS emailed me with offer*£65.01*(they actively*already deducted the excess fee). This amount is very unreasonable, and I had rejected it and made request to fix the damaged. Later on, they made second offer £523.97,*I rejected it again*because I just want the damaged got fixed. * I complained to Halifax about the surveyor*non-professional behaviours because I was been advised this is essential two hours slot appointment, but*he came late nearly*1 hours, and work less than 30 minutes then leave the job without some damaged check such as leaking in shed. * On 12 August 2014, I had contacted Halifax to have follow up my complaint, and requested of another company to have re-assessment, and I had clearly request to fix the damaged by insurance and disagreed LAS suggestion to use the claim case to make a money. I also make encounter offer another £500 back to Halifax to have damaged fixed. (voice recording: Call162644.wav) * I had requested to send me the official letter if they unable to fix, then I can escalate this to ombudsman. I contacted them. However, they had no response and even no setup the complaint. * On 20 Nov 2014, I had contacted Halifax home insurance and insisted insurer to fix it, and disagree their intention to close the case. ** Insurer had closed my case, I complaint they should not close the case without my consent and should not ignored my request to keep it open until getting fix the damaged. * Finally, Halifax appointed the beta-coveXX to do the survey becasue they know they are in wrong position. I had received the email from*Beta-coveXX's Inspection and Claim reported in 25 Jan 2016, and contacted with Beta-coveXX(Mandy) about the details of*repair tasks, and she sent me the three documents which are*authorization Mandate,*Conditions of Work and*Approval Letter Nick on*27 Jan 2016. In 25 Feb 2016, I had returned three documents with signature and*with bank*cheque (22Feb2016-slip.jpg) by post to*Beta-coveXX after all parties*( Halifax/ Beta-coveXX and I) had clarified the work details. I found the cheque bank in at 26 March 2016.* * During the period from January 2016 to February 2016 , I would like emphasis that I decided to give up some tasks such as shed roof felt and its leaking*rather than reach an*impasse that Halifax only*accepted the full wall cover, and the rest of building tasks they had "successfully" avoid responsibility. * In Mid March 2016,*I was given the*Beta-coveXX staff (Pxx) mobile number to find out*when the work schedule commencing. Original work was*scheduled in early May 2016, however Pxx contacted me in late*April 2016*about the brick type issue*which*he cannot source it (this first type was proposed in 21 April 2016 with proposal date), and he requested to have second type of brick option which I had confirmed in 28 April 2016. Therefore, the schedule were finally*postpone to 25*July 2016 ( 5 days work). I had chasing*up him about the work schedule since Mid March 2016. In afternoon of 25 July 2016, after Beta-coveXX staff completed the few hours wall brick demolish, and Pxx asked £160+vat for brick release from sheffield if I want them to continue tomorrow work. I complaint this to halifax and claim team staff had struggled for an hour and finally agreed to pay it. * In 26 July 2016, I found no brick delivery, and no man to resume the work. In 28 July 2016, I contacted Beta-coveXX, they tried to be disappeared. Finally, Halifax transfer my call to talk to them and find out they had not placed the order before 26 July 2016, now told me the delivery will only take few days. Finally, I was been told this is available 9 August 2016, wasting 14 days.* * I had complaint the poor qualities of service provided Beta-coveXX, and cheating behaviour. I also requested*Halifax appoint another company to carry out the job.*Also reported the no wall causing the two*trespassing cases*issue, and requested to have temporarily wall built and cctv. However, Complaint Manager Mxx Wxxx decided to give me £100 but I*made encounter-offer to Halifax £200 (double of their compensation), and at least re-insist the temporarily wall and or cctv. However Mxx Wxxx insisted close my case and ignore my request to keep the case open until the damaged get fix. The same request I had made to Stuart, however he rejected it. * Complaint Manager ( Sxx Rxx) confirmed he*took*the decision from Personal Claim Consultant report to provide the his final decision letter. * Personal Claim Consultant( Dxx Txx) confirmed he took*the survey report from Regent Group to create his report*.* * Regent Group (Rxxx) confirmed he do “NO TEST”. He rejected to accept the £523 pounds to take over the rebuild work, and said non-sense offer. * My original complaint setup is 26 July 2016, which handled by Mxx Wxxx and she insisted to ignore my request to keep the case open and deliberate to close the case. When I complaint this again, Sxx Rxx setup as NEW case for same complaint to take advantage of 8 weeks rule setup and not accept my request to re-open the original case. During Sxx Rxx time off, I was advised to they can do the investigation more than 8 weeks, and I am not allow to put this case further (Ombudsman) until they finished the case. Finally, they took 12 weeks to issue the report to me. In fact, Mxx Wxxx, Sxx Rxx and Dxx Txx they had taken their holiday plan and leave my case aside. * The extra entities and process such as*Personal*Claim*Consultant and Regent Group, which is redundant, and interference the case.* The location of wall is now open, but*I was been*advised*by claim team staff*I have to*accompany*with Personal Consultant and Survey company*(appointed*Regent Group), otherwise dismissed my case. This caused me wasted two half days off. * In 17*Nov 2016,*Jxx from Claim department actively*proposed me to have cash*settlement by using my own*constructor, provided me the website by email**as well*as guide to find the contractors to*fulfil*their*cash settlement request (Voice Recording*from 16:34).*She understood this is difficult to find the contractor in the wintertime, and fully aware it might take 6 months and agreed this can be last to*April 2017 to have solution. * In 21 Nov 2016, *Jxx confirmed only one quotation need*(voice recording from*9:39); She confirmed Halifax cannot provided*a settlement offer even they had*estimate( voice recording from12:55). * In 31 Jan 2017, all in sudden Jxx*can make up a settlement offer and set the offer only 5 days(, then close case at 6 *Feb 2017 if I not responded.*I had responded*to her email sent on 5 Feb 2015*with quotation they requested, which fulfil what she promised in the phone (17 and 21 Nov 2016).However, afterwards Katie( help Jxx) responded she would*close*my case if they had not heard from me next 14 working days.*Next response that is final response from Natasha agreed to follow my decision the case escalate to Financial Ombudsman. The whole case last nearly 3 years.* Ombudsman response, they offered me £19XX + brick delivery is fair. It is usual the Halifax can have better rate from their business parter Beta-coveXX, the total is £39xx is lower than your quotes. Deduct the brick cost which is £18XX, the rest is £19XX...correct. Ombudsman reckoned the delay causing down to me because I had not contacted them for a while. I am going to response to Ombudsman, and request them to have review the document because the investigator have preconceived opinions which caused the ombudsman believe I actively ask for cash settlement, and I had not pay the excess, and delay the case myself. Just before ombudsman write the final decision letter, the investigator still ask me had you paid the excess( your duty)? Can I use the following ground to challenge ombudsman decision? (1)reasonable time to fix? (2)reasonable skill to fix? (3) make up premier brick cost under the business partnership? which is 1.4 times higher than the retails price you can walk-in to pay, and using this cost figure to reduce the amount you can have to fix it yourself. (4)reasonable business behaviour in Halifax to make the different offers for the same wall repairing, in my case, firstly offer me £65, then £523 and now £19xx + brick/block you fix it yourself. (5)reasonable behaviour to force customer to accept the offer otherwise close my case without notification. (6)reasonable to close my case even I had insisted to leave it open everytime they asked? (7)reasonable to sub contract the work to another contractor and this contractor to subcontract again to another one-man band without my consent/ notification? Pxx is not staff of Beta-coveXX, and the man demolished the wall is got the contract from Pxx. What I want it is only Halifax assign the repairing work to another builder to fix it. Much appreciated if you can give me the advice or your point of view. thank you!
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