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Found 175 results

  1. Hi All, Just had a quick read of the other threads but haven't found anyone in this exact situation. Background: I signed up to Bannatynes back in Nov 18. Living in Edinburgh and starting a new job in Livingston (right next to the Bannatynes) I was delighted to find that both gyms were in the same "tier" for cross usage. I was given the tour by the membership girl who told me all about this and advised me to sign up online (weird? they're usually very pushy to get you to sign there and then). When I went to do so I noticed that it was £3-4 cheaper per month to sign up at Edinburgh as opposed to Livingston, even though I would be using Livingston more often... no brainer. I signed up to a 12 month membership. I then used both gyms without fail for around 2 months until mid January when attempting to enter the Livingston gym for the first time in 2019 I was told rather abruptly that Livingston price had increased and in turn they had gone up a tier, therefore I was not allowed entry as I was a member in Edinburgh, which is a now lower tier. I was told if i wanted to continue using Livingston I would have to upgrade my membership at an additional cost of £10 per month. I called head office and received the following response: Having read their terms and conditions, I then went back to them with the following: They have now replied to me by telephone and essentially told me the following: Cross usage is offered as a gesture of goodwill. Tiers may be subject to change without notice; Written confirmation did not need to be provided as I am a member at Edinburgh not Livingston; My notice to cancel has been refused as this does not come under any of their "valid reasons to cancel" They have offered a reduced "upgrade" of only £5 per month extra ​ I have been more than fair with them on the phone and said I am happy to give one months notice and pay any reasonable admin fees. They have escalated this to their manager who has declined my offer to cancel. I am now not sure what to do next. It seems I have the following options: Not upgrade and only use Edinburgh (not practical); Upgraded and continue using Livingston (don't want to pay any extra); Cancel DD and face the consequences (unsure exactly what could happen); Try to claim I am relocating outside a 15 mile radius of any gym; Repeatedly break gym rules until they cancel my membership. Any advice would be much appreciated. Thanks, Craig
  2. First time poster here desperate for some advice after google has proved fruitless. This is a long ongoing story so please forgive the length and thank you in advance if you manage to read everything. I bought my first car 28/06/2018 from a car dealership in Hounslow, ATM Motor Trade. I found the car on Auto Trader, the dealer had good reviews and it was a good deal for the car that I wanted. The drive from my house was around 90 minutes each way but I was confident I was going to love the car. The saleswoman seemed knowledgable and friendly and I bought the car that day. I paid by bank transfer (stupid looking back) and drove the car home. Already on the drive home there were some minor problems with the car not wanting to change into third gear which I put down to my inexperience in driving it and figured I would learn to do it properly. I was also trying to be eternally optimistic and hoping the car was fine despite my instincts now starting to say otherwise. I got into the car the next day and the check engine light was on. This concerned me enough to get the bus to work but I also called the dealer to explain that the engine light was on. They said it was just an issue with the emissions on the vehicle, there’s nothing to worry about and it’s safe to drive. I asked for this to be put in writing for me - already losing my trust and sensing the worst - but that was declined. Having lost all faith in the dealer, I decided to take the car to a trusted mechanic for an assessment. He plugged in the diagnostics computer and also did a thorough check of the vehicle. The number of faults that came up on the computer was higher than 20 and that’s without the physical issues that were found: holes in air pipes, badly worn brake discs, a puncture, even the battery wasn’t attached properly. I took photographs of all of the evidence on the diagnostics computer and areas of the car where the faults could be seen and then the mechanic and I decided it would be best to wipe the faults from the cars internal computer to see if they would recur. I emailed the dealer that day with the evidence I had and told them I would be returning the car for a full refund under the Consumer Rights Act. Initially they tried to offer a repair or a replacement instead but as you can imagine I had no faith in them at this point. Eventually they agreed I would return the car to them. I did so on 08/07/2018. I had driven the car a total of three times - two of those being home from the dealer and back again. The saleswoman was the same person who sold me the car and after much resisting sent me a text message to say that I had returned the car and could expect a refund in 14 days. After the 14 days were up I received an email claiming that there were no faults with the car, they claimed they had driven it everyday with no issue and it was “functioning” and therefore they would not be offering me a refund. They also would not return the car to me but only offered a replacement vehicle. I declined this offer and stated once again I wanted my money back. I have not heard from the company themselves since this date. I ended up escalating the issue to MCOL. The dealer did not respond to the service of the claim, a judgment was made against them and then I finally sent a county court enforcement officer to collect on my behalf. In the meantime the company (a limited company) changed their trading as name therefore rendering my paperwork and claim invalid as the company “no longer existed”. I did not know when I made the initial claim that they were a LTD company trading under a different name. Initially the name was ATM Motor Trade which they changed to Quality Motor Trade Centre (the irony!). I made a request to the court to change the company name on my paperwork and reserve the papers. I have since discovered they have now opened up a whole new business and are trading under this name instead! I am now at a loss for what to do. They currently owe me £2500 which I borrowed in a loan from my bank. I can not afford another car as I’m repaying the initial loan and I’ve been forced to revert to public transport (which is horrendous in my area). It seems they will do anything in their power to avoid paying and are obviously skilled at avoiding the courts. Any help would be much appreciated. I once again apologise for the length of this and thank you for reading.
  3. I bought a Nissan Qashqui from a local independent dealer in June this year for just over £5k. The turbo went faulty within 30 days, after an initial appearance of indifference from the dealer they did indeed repair it and all was good. However, we now have an issue with the windscreen washers (both front and back) in that they just don't work. I can hear no noise when trying to use them which leads me to think this it is the washer motor (i have checked the fuse and it is not that). The washers did work upon when we first got it, but over the past few weeks they have stopped working. I contacted the dealer via email yesterday confirming that the car is under 6 months since purchase and this fault has occurred for which i would like them to repair. Their reply has been: "Sorry to hear you are having a minor problem with your Nissan Qashqai unfortunately due to you only having a 3 months major mechanical warranty which would of expired on the 11/09/18 this wouldn’t be something we could cover the cost of. Even if this issue occurred during the first three months of you owning the vehicle the washer jets wouldn’t be covered due to the warranty only being a major mechanical warranty." I have just replied to them that my request for them to repair this free of charge is under the Consumer Rights Act 2015, section 9 "Goods to be of satisfactory quality". I have reiterated that i expect them to repair this free of charge or state their final position on the matter so i can then decide on my next course of action. Can anyone give me their thoughts on whether i am completely in the right to demand repair for this issue on a car bought privately from a dealership just under 5 month ago? If they refuse to play ball, what should my next steps be? I have kept all communication with them via email so i have a clear trail, but if we do have any chat via phone then it will be recorded (i have installed a call recording app - thanks to all the advice on here!).
  4. The lift in our apartment block has had some sort of major failure and is out of action. The management compnay say it will be at least 2 months before work can start, so potentially 3-4 months before it's complete. In the meantime I can't get in or out, so am effectively homeless. This delay is apparently down to the s20 procedures needed before they can even get estimates, is this true and is there no way around it? Surely they wouldn't have to do this if emergency repairs were needed to the roof, for example? Wouldn't me being homeless be an emergency? Any suggestions anyone?
  5. This happened on June 19th, I was caught abusing a loophole in the self checkout where I scanned cheaper items to put in heavier, more expensive items down. I had being doing this for a while quite often, but didn't take anything of high value, just food on my lunch breaks. When I was caught, they said they were on to me for the past couple months. I had visited the Tesco only 2 to 3 times a week and at odd times during lunch (could be from 12pm to 2pm) and not everytime I did this, sometimes paying for a bag of crisps, etc. The thing is, the security guard didn't even pull me into their office, he took me to the side and gotten my personal details and didn't even bother calling the police because what I took that day was such a low value. Told me I would receive a letter telling me what action they will take in 2 weeks or so. Just got down my details from my drivers license, paid for what I had taken on that occasion, didn't take a photo of me and said I'm banned from the store. Did not mention civil recovery action. He said it's likely the head office will review the CCTV footage of previous times I went in and will probably take it to the police. I immediately wrote a letter to the store manager and head office, showing deep remorse and apologised, in which the customer service manager replied with a letter thanking me, but not saying what actions the head office will take due to data privacy laws. Not heard anything from the store itself. I was expecting this to trigger a DWF letter to pressure fines on me, but it has almost been 3 months and haven't heard anything else, other than that one letter so it's making me so anxious and worried. If it's taking so long, is it likely the are building a case and the police are getting involved? Or were they pressuring me into not going in again and have just left it at that? Or should I expect a late DWF letter and nothing else? Does it take multiple months to see one of these letters? People have said they're letting me sweat it: it's too much time to sit through hours of CCTV to see what I had took of relatively low value and it would not be cost effective to involve the police, but still a possibility, or it could have even been forgotten about. I have been told it might be sitting in a pile with others, but a lot of people on this forum seem to have received DWF / RLP letters relatively quick. Someone else had even told me there won't be any complicated background police investigation and my punishment would be very minor if I was to receive one, but I am still unsure and very very worried about it still, I stress about it often. I had also been told waiting this long could have potentially harmed any chances of a case, since it would have been proceeded with sooner after the incident? Would they still hold onto CCTV from April to June?
  6. Hi! This is my first post so please bear with - also @ mods/admins if this isn't quite the right section please move me! I've recently been told I have been made redundant and have 2 weeks left until I am out. I've talked with everyone I have monthly payments to and cut back as much as possible, but I'm a bit concerned about my car's finance. I can get a temporary part time job at a friend's business that will just about pay for the car (part time, about £750 a month so will get about 550after taxes, etc according to income-tax.co.uk) but I do not know if that's the best thing to do while job hunting. I have a chunk of money in savings that can fund the car but I want to avoid using that for other expenses. I want to avoid debt at any cost as long as it isn't my credit rating - what's my best course of action? Sorry if it's a bit of a jumble - please let me know if you need any more info and I'll get back ASAP! Thanks
  7. Hello Everyone I bought a secondhand ride on lawn mower on 24th March this year, it was from a dealer and was advertised online, but I can't remember which site. It cost £3200 I paid by bacs, because of the drought I have only used it for 5 hours (by the mower hour clock) so far, last night it dumped the transmission oil out and lost all drive, it looks like it has been repaired and bodged up as I can see instant gasket sealant hanging out. Without getting a mechanics opinion I would think that it needs a new hydrostatic transmission. Do I have any rights under the sale of goods etc etc. It is a domestic machine and I bought it to cut my own lawns not as a business. I have contacted the seller, his reply was more or less "tough luck, not my problem" . I did quote this: Under the Consumer Rights Act 2015, goods should be of a satisfactory quality, fit for purpose and as described. My rights have been breached because the item you sold me is faulty. I would like a refund/repair/replacement." He replied that as it was a secondhand vehicle I only had 30 days to complain. Do I have any right to a refund? I have looked at the Consumer Rights Act 2015 but it's in legalese, I think I might have grounds to send it back as it's within 6 months but I can't find a specific reference so that I can metaphorically use it to beat the seller over the head with.
  8. Hi, I joined a local gym on an offer that stated 3 months at £9.99. I went regularly for a month and a bit but the parking was shambolic and they had about 5 spaces and the rest was on street parking in a busy area and eventually i got bored of hunting for spaces to go to the gym. I eventually tracked down the portal and it had barely any information on it and no way to cancel. Having been on a Harlands membership before or so i thought with Simply Gym i did what i had been told by them and cancelled the membership. After the last payment should have gone out i received a text and email stating that i owed the £9.99 and a £25 admin fee. I emailed back saying there was no option to cancel the membership so i cancelled the direct debit. I received no response for over a month. I then asked for confirmation confirming this was a minimum term. I then emailed back and confirmed i was happy to pay the remainder of the contract but not the admin fees so just the £9.99 I received another email today adding more admin fee's onto this taking the cost up to £59.99. I rang them today to state i had not had a response from my previous offer and they have not emailed back and now added another charge. I got no where as you would expect. Should i just pay up or should i ignore it? Thanks in advance.
  9. Hi all, I'm hoping someone can advise, back in October I applied for a loan through Admiral but the application was unsuccessful. My credit score (i use Clearscore) went down this month with a note saying: What changed in July 2018 : Hard Search performed by Admiral Loans for Credit Application The October application is showing the exact same information - why would they simply perform another hard search without my consent? and is there anything i can do about it? Thank you H x
  10. Hi, My husband rents a black taxi and I have just received a PCN dated 14th June for a contravention that occurred on 12 Feb! I am about to ring the taxi firm as I'm not 100% sure that he had this cab at the time (he has to swap them when they have to go in for repairs etc) but isn't 4 months a bit of a long time?? this is from TFL
  11. I Phoned up to change the seats on the flight on Friday night, only to find out the hotel we'd booked into 16 months ago (and requested special assistance a few days later because they were not open when the holiday was booked) is not suitable for those with walking difficulties (nor is anywhere in cap salou apparently) I was open about my disability from the first call and that of my children but wasn't told about the resort or hotel (I'd asked for 14 nights all inclusive but left the resort open to Thomas Cook while explaning I have sever walking issues) I received a phone call back offering Furturaventura a week earlier but my wife has never flow before and is really panicked so a 4.5hr flight isn't an option, also our kids zone out with theme parks and that's how they escape, hence Salou being a good fit. I'm awaiting a call back as I then asked for a hire car to be provided to us for our stay, if Thomas Cook refuse this, there is nowhere else for us to go and we're really stuck, I can't walk more than 10 meters I use crutches and wheelchair etc, so where would I stand about getting a full refund without being deducted anything? We're under 60 days out now, not that a full refund would help with such a short amount of time left. Sorry I appreciate its long one but my head is in a spin we could only afford this holiday as a one off because of my health etc and now stand to lose everything.
  12. this is the 3rd POPLA success from 3 challenges against Northern Parking Services. Mine was the first last year, a work colleagues was second late last year(he got the decision in february. This third is for a pensioner friend of mine. They were all from the same place ,Cross street retail park,Long Eaton,Nottingham,NG10.
  13. In simple terms i'm self employed and have been here since october 2010, up till October 2016 the tenancy was not in my name and was paid monthly but they moved out so at this point the landlord agreed for me to pay 6 months in advance because I was unable to prove enough earnings due to being self employed. I have renewed twice paying the 6 months in advance again so 18 months total but this time they want to put the rent up £300 a year and are asking me to pay £60 in advance to reserve. I'll be honest its doable but its a real struggle this time finding over £4k. Logically it should be no different to paying monthly but it just doesnt seem to be feel like that. Flat will need decorating if he wants to find a new tenant I think. Now ive been here nearly 8 years and in that time ive had nothing done, its all starting to look a bit tired in here. But I think ive been a good tenant, im not Hyacinth by any means but ive not trashed the place at the same time and the rents always been paid etc. I guess what im wondering is where I stand legally if I want to stay on?, I know that usually an agreement goes periodic but how does this work with 6 months paid? If I dont renew will it just carry on as is? Ideally i'd like the reduce the amount due and increase the payments per year, even quarterly would be better than 6 monthly. Surely if it goes periodic they could allow a bit of room on how often payments are due?. I did pay a huge deposit. I'm just sure even if they did agree to change it there would be a huge fee for drawing up a new agreement. I have about 6 weeks so I need to get this in order I think. Have pasted the email minus sensitive info. As your current tenancy is due to be reviewed on ...Late April 2018 we are delighted to inform you that you landlord is offering you a further fixed term of 12 months at a rental of £@@@ payable in advance half-yearly for the term. In order to secure your new fixed term tenancy term please call us on 00000000000. There will be a charge of £60.00 (inc VAT) required to cover the cost of this service which can be made via debit card. We are also available should you need to discuss any changes to the proposed terms, our office hours are Monday to Friday 9am to 5.30pm. Should you be intending to vacate your property at the end of the current tenancy term then please email confirmation of this to email address including details of your forwarding address.
  14. Hi guys, I wanted to get some advice before I part with my money to my Landlord. I'm in 12 month contract, no break clause with 5 months left but I've just accepted a new job abroad at the end of this month. I contacted the LL with a months notice and explained I'd get someone to take over the tenancy but they're saying as I need to give 2 months notice, they will need two months rent (my deposit plus an extra month). The LL is in the process of already getting a new tenant, probably giving them a fresh 12 months. Is the LL correct in asking for 2 months rent? In the agreement it states: If the agreement is not brought to end by either party on the above date, it will continue thereafter on a monthly basis until terminated by either party giving no less than 2 months notice. This is the only mention of '2 months' in my agreement. Thanks for your time.
  15. I am not sure of the correct place in the forums for this post so if it is in the wrong place please move it to the appropriate thread. Story: Our disabled daughter and her partner of 20 years having being living together in housing association flats every since they got together. Over time they have moved about 4 times and in every case this has been directly due to their behaviour and drinking. It was not to bad originally but since they were moved into a block of flats (3rd floor with no lift) my daughter who suffers from hydrosypholis and is weak on her right side has difficulty climbing the stairs. We used to be able to keep them fairly well in check but because we cannot make the stairs ourselves the drinking and behaviour has gotten worse. It got so bad that she was taken to court for pouring beer over the occupier of the ground floor flat and was fined for it. Her partner however got violent during a heavy drinking session and hit her causing server bruising to her face. (not the first time) He has just been found guilty and has to pay a fine. They are not permitted to have contact as part of the court rulings. When my daughter was taken to court (beer offence) she was hit with a cannot return to her flat as part of the rulings and the judge asked if we could take her in for 2-3 days while other accommodation was found for her. The housing association she was with said they were not prepared to help and forced my daughter out of her flat as they did not want her in any of their properties. (I can understand their point due to their past). We were given a number to call to a person who helps find properties/places for people like my daughter. and we called him and he got om the case. Everytime we try to call him for a progress report he always seems to be "on holiday" and when do actually talk to him there always seems to be excuses as to where any sort of decision has been made. Currently waiting for the outcome of a interview she had with a group who deals with people like my daughter and helps them get back on the right path (so to speak). We phoned again today to find out if she has been accepted only to find out that they are waiting for a certain person to come back off holiday (yet again) and then have another interview and a decision will then be made. She really does need to have her own place with proper supervision and help. Our main problem now is that the court said 2-3 days and it's now over 3 months. In all that time we have kept her away from both drink and her partner and she is coping ok. We do have to be careful of what we say when she is around as we think she is a little paranoid when she hears people talking as she thinks they are always talking about her. Our own life has been disrupted considerably and are getting to the point where we feel we cannot do anything without her being in the background. Is their anything we can do about this excessive time span given we were told 2-3 days and something should be sorted for her.
  16. 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 me 200 and dealer prices for the repair could run to a new steering column which would be astronomical. I bought a car with such low miles to avoid any unwanted repair costs. I'm 33 weeks pregnant and need the car to get to hospital every week as its a problem pregnancy. I have now had to hire a car just for this purpose. The car is only just over 3 years old and cost me 10000 pounds. And I have covered only 2500 miles in it. I am now unsure of my next step, I have car that won't run and can't afford to fix right away, and the dealer's stance is that its chargable even though the CRA says otherwise. Please help! TIA
  17. On my credit file I have a couple of credit cards and bank account listing details going back 6 years i.e. including 2012. I have a default which is coming up for SB this month, but the record doesn't show 2012, it only goes back through 2013. Am I right in thinking this is deliberate to make it difficult to calculate an SB date.
  18. Long story short, 18 yr old son purchased a brand new car in October and as part of the deal the dealer offered him £2300 for his PX without seeing the car but I assume they ran a valuation on it and HPI check etc at time of quoting the PX figures etc..... This week my son has just received an email and recorded letter from the dealership headed final before legal requesting he pays £500 to the dealership as the PX only fetched £1800 at auction as a consequence of the car having apparently been written off under Cat D damage that my son had no knowledge of having bought the PX privately about 18 months ago. Surely the dealership has no grounds for redress given that they would of been aware of the cars history when they provided us with the PX price? Secondly had the car fetched more than £2300 at auction would they be writing to me to say they they owe me the difference over and above the PX valuation? I somewhat highly doubt it. They are saying my son signed to say the PX had not been involved in any accidents and was not subject to outstanding finance or being written off but he genuinely didn’t know that the vehicle has been previously written off as damaged but repairable. Can anyone offer advice as surely the purchase was concluded back in October and the PX provided by the dealership is a risk that all dealers / traders take especially as the car ended up going to auction.
  19. I've read in a few places that people who are paid weekly will earn slightly too much in a 5week month and thus end their UC claim, even though their circumstances haven't changed. This is for those in work. I presume this doesn't affect those in the support group of ESA who don't do any work when they're eventually moved over to UC? I.e. I will get a payment every 4 weeks regardless of how many weeks are in a month, which is the same way PIP is paid currently.
  20. I wonder if someone could advise please. I called on 5.1.16. for a DLA application for my child. I completed the application by downloading the form. My child who requires day and night care. He was awarded personal middle rate care and low rate mobility. The first payment was the date they received the application - not the date when I phoned i.e. 5.1.16. and I did enclose the page they sent which stated I called on 5.1.16. and it had to be back by mid February. I have called DLA and said that they have not taken into account the night time care my child needs. He is up twice a night for around 15-20 mins and sometimes has to sleep in my bed. DLA said that they 'thought' he only got up 4 times a week during the night for the toilet. I said it was clearly stated that every night he has nightmares and I have to get out of my bed to attend to him. They said they hadn't read that - it is clearly stated. I also said that even though I downloaded the application, the award started from the date they received it. They said the it was because I used the download form - even though I attached the paper page version of the date I applied. So it went to a mandatory. They wrote back and said that there was not enough medical evidence about the night time care enclosed with the application (I sent my GP's letter) - they have not contacted my GP. Now I've had my mandatory, if I'm not happy I have to go to appeal. This is unfair as if they had doubt about night time care, then they could have written to my GP. Is there anything else I can do about this instead of going to appeal as clearly they have not read the application properly and now I've 'spent' my mandatory. Also can someone advise me about when the DLA should have started. Many thanks. BTW I wanted the paper version for the Notes as I haven't got the money to keep paying to top up my ink on my printer.
  21. Hi, I've been reading through some of the previous threads with similar issues. I would appreciate some help with my particular problem if anyone can give me advice? I joined Fitspace gym on 29/06/2015 and the membership was 12.99 per month. In around January of 2016 I finally sought help with my debt problems and eventually got a DMP with stepchange. My bank overdraft was one of the debts included in this so my account was closed and the direct debit to Fitspace was cancelled. In June of 2016 I received a text message from Zinc saying I needed to contact them with no other details so I ignored it. Last month I had a similar text message from CRS and another today simply asking me to contact them. I had a search and realised they must be contacting me about my previous fitspace membership. I have had no written correspondence from them and I have not yet contacted them. I assume they have my current address as its the one I used when joining Fitspace. I'm not sure where to go from here? Should I write to them asking for them to contact me via letter? Any advice is much appreciated, thanks for any help!
  22. I recently had issues with my gearbox which i had to take at a garage to get repaired, and the work was completed on the 1st March 2017. Now I will add the work was paid for by RAC Warranty for the amount of £1400. My receipt however doesn't breakdown the work that had taken place however just says gearbox and labor costs (At the time i remember he said it was only a small part that needed replacing). I didn't mind too much as the costs were getting picked up by RAC and trusted the garage. I have now got another issue with the gearbox however the garage don't want to take any responsibility for it and said it was 6 months warranty or 6000 miles, whatever comes first. I then asked what exactly was done to the gearbox to repair it (ie. a breakdown of the work) and they said we don't have that information anymore. RAC Warranty said they will not pay for the repair of the same part again so soon after it has been repaired. I feel this is not right. Where do I stand with this and how can I get this sorted out now as I am now unable to use my car and it's used for commuting. Please ask if you need anymore information. Thanks Aron
  23. Hi All, Just want some advise on where I stand from a consumer side of things, I purchased a HooverDXCC5962B_BK Washer Dryer in Black from AO on the 01/04/2017 for when we moved into our first home and last week it came up with a heat sensor error code (E11.) It washes but no longer dries (luckily I kept our old dryer in the shed so have been able to dry larger items) I made AO aware about a week ago of the issue and they passed me onto Hoover, so I dealt with Hoover and they sent someone out yesterday to repair the machine. He turned up on time (always nice these days) and replaced the sensor in about 15 minutes, so assuming it was all sorted he left. My partner then put a wash and dry load on before she left the house, on arriving back the error code was still there So back on the phone to AO who this time didn't automatically put me through to Hoover as it was out of their opening hours and I was told I would have to wait for her to call Hoover in the morning to arrange another appointment to have it repaired, I said that's fine and we agreed an appointment. I then asked what happens if this second repair doesn't work where do I stand as I don't want to be waiting days at a time for an appointment as I can't take any time off of work and my partner works shifts so timed / all day appointments can be a bit tricky, I was told that I would have to have Hoover out a "few" times to try and repair it if the previous repairs don't work. In legal / consumer terms what would be considered a "few" times before I can ask them to just replace it as it obviously isn't fit for it's purpose ? It wasn't a cheap machine and I don't want to be passed around in the middle of the two companies trying to get it sorted. Thanks in advance.
  24. Hello I have PTSD and have spent a mind blowing £32k in 10 months and have nothing to show for it at all. All debts taken out recently on a fair credit rating. Most 0 percent but some not. I have a lot of equity in my house but thats all that keeps me safe. I work and take home about 1600 a month plus 80 disability. I feel in over my head and today the specialist has change my meds. Do i do an IVA a debt management. The whole thing freaks me out. I pay out £800 plus a month to these debts. My own doing but I have been mentally unwell Any advise
  25. For the full story : - https://www.standard.co.uk/news/transport/learner-drivers-to-be-allowed-on-britain-s-motorways-within-months-a3610466.html Interesting, are they being taught to drive on a motorway.. or Park !!
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