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  1. Hi there everyone, I am concerned about the fact that last Sunday I have decided to look around for a better car as my old one could be retired very soon, although I have taken care of it very well....I went around to a few car dealers and have found a car that could have a few more years to carry my weight and my things around the town. After I have spoken to the Owner I believe, have taken a seat into his office and asked questions about the car. One question was - how many miles the car has and he replied 68.000....later on after I said that I wanted to have a look at it as it
  2. Two days ago I bought a freeview box from Littlewoods but after plugging it in and having a look, it is completely unsuitable, I can't even read the channels in the guide. Can I return this and cancel the order please or will it be refused because I plugged it in ?
  3. Hello everyone I am after a bit of help with universal credit. I have been out of work for a while due to mental health issues (depression and social anxiety). I am 46 and It has been a bit of a bolt out of the blue for me because I have been in work since I was 16 and had never suffered with these kind of issues before. I have been claiming universal credit for 18 months now and was placed in the LCWRA group. I feel I have now come out the other side and have been actively looking for work. I have now been offered a job but it would mean relocating to another
  4. Good Morning CAGgers, My views on the whole DWP, JCP, & Tory cull of the sick and disabled are pretty well known. However, I've been given a life line out of justifying my disability every few years to unqualified health care ''professionals''. I have been on IB since 2007 when I was medically discharged from the Army following a near fatal RTA, suffering amongst numerous broken bones, a severe traumatic brain injury. The whole shambles of IB to ESA migration in 2012 saw me spend three years fighting the DWP in tribunals before they stuffed me into the ESA SG pigeon hol
  5. Hi, I live with my husband, we are both self employed, I had a baby in September and receive Maternity allowance. I was also receiving Working Tax Credits and Child Tax credits, around £80 per week. My husband is currently quiet with work so we asked the council for rent help, they told us they can no longer help and we need to apply for universal credit. We did this (horrendous application system!) and in the meantime our working and child tax credits stopped, we were never informed this would happen, i wish i had just left it as it was. We were relying on that money and now it
  6. Purchased a new phone (online) on an O2 pay monthly contract via mobiles.co.uk. My current provider beat this deal at last minute hence me wanting to cancel the O2 contract and return the handset. I am within 14-days of receipt of handset but have used the SIM/handset (no calls - just testing coverage). mobiles.co.uk's return/cancellation policy (here) states use of SIM/handset signifies acceptance of contract. It also mentions that coverage issues should be discussed with them/the provider before a cancellation can be approved. Either way, the handset will be returned and
  7. I have been ill for 2.5 months, with stress and gastric/gallbladder issues I had my gallbladder removed 4 weeks ago. I am about to return to work. I get severe chest pains from stress still, and I am concerned how I am going to cope back at work my gallbladder operation has been successful. I get the odd twinge of pain on right side, but nothing like before. I feel like I am still on mend from this, but is going in right direction stress levels at work were high when I became ill. I fainted at work, had viral infection, had terrible GERD. thing is I have not had any
  8. Hi, Got a bit of a fiddly situation here so I will try my best to summarise clearly for everyone. I moved into a flat (from Spareroom) on the 1st June 2016 (tenancy expired on 30th November 2016), I found it a month or so before and they wanted a £300 (cash) holding deposit as they don't take card. I was moving out of London a few days after and was in the middle of exams and I knew I needed a place so (stupidly) I paid it in cash and went for it. Thankfully it all seemed legit, got the keys on the first and again had to pay my first months rent and the deposit via bank transfer
  9. I went off sick from work mid Feb 2017 following several meetings with my managers regarding increased workload (we had a mass increase in patients - in the hundreds!), not enough manpower or hours to cover the workload etc. I was also prohibited from working overtime and so were my staff (I am a Practice Manager working in a GP Practice for the last ten years with an unblemished record) and eventually I started slipping behind in my work as I was unable to keep up with increase and very little was being put in place to support myself or my staff. Hence I could not cope with the stress and we
  10. Hey, I am trying to sort out my finances and the car is massive chunk. We took the loan out in Oct 2015 and has been paying £424 p/month of which just over £150 is being used to pay the capital - the rest is interest. When can I ask to return the car and where does the half way point hit ? is it once half the loan value has been paid (half the cars purchase price) or once have the total loan value (inc interest) has been paid? Many Thanks Scott
  11. Hello All, I had a Beko Fridge Freezer delivered on 18th February and as advised, left it for 8 hours before switching on. On turning it on, there were strange sounds, some clicking and loud screeching sound, a bit like a cat being strangled. I called Currys and was asked to talk to Beko, which I did. I was told this could be due to gases in the system and that I ought to wait a few weeks. It is now coming up to a month and the noise has not stopped. I asked for a Beko engineer, who came out today and said this was not faulty but the sounds were something found in the frost free ty
  12. I bought a Denon AV receiver about 7 months ago from an online retailer. I now need to return it for a replacement power supply as it is making a humming noise. The retailer tells me I need to purchase packaging, arrange a courier and they will contribute £10 for carriage. This is a large and expensive item so packaging it safely will be a big job and I am not sure that £10 will cover carriage and insurance. They tell me repair could take up to 4 weeks which is very inconvenient as this is a critical part of our media system and used daily. I realise being without f
  13. I have received a PCN from a local authority. I have not opened the envelope (but its contents is obvious and I was expecting it). It was not sent by recorded mail. If I were to "return to sender" "Not at this address". Would I be committing a criminal offence? (I know this would be morally wrong given I did deserve the PCN!)
  14. I qualified to become a driving intructor in 2012 and in Oct 2015 I gave my ADI badge back to the Driving Standards Agency (DSA) as I was no longer teaching due to being in a full time job. The DSA sent me a letter to confirm they received my ADI badge in Oct 2015 also confirmed they removed my name off the Driving Instructors Register. The DSA said in a letter I had ..."12 months from the date your name was removed from the ADI register on 30th Oct2015 to re-register without taking the driving instructor qualifying exams..." So in late Oct 2016 a few days before the 12 months was co
  15. Good evening all, I wonder if someone can advise me on the following? I'm an auxiliary nurse with the NHS. Just over 12 months ago I was struck down with Rheumatoid arthritis and was unable to work. My sick pay and SSP ran out and I have been claiming ESA since last April despite remaining employed. As my condition has improved somewhat and as I was about to be considered for medical retirement/dismissal, I took the only course open to me which was to apply for redeployment to a lighter less physical role. Such a role(Admin) became available recently and I've embarked on a one month trial.
  16. Hi there people, I have bought on a part exchange a second hand car... All good to go...only that while driving home car stopped 2 times. I have stopped at the first petrol station and filled up a £25.00 as these guys would only leave you on red just enough to make it to the first station available. Anyway, to cut the story short I have called the guy ( trade ) saying that as the car has problems I will return it and would want my car back.... Finally done and dusted but when asked about the petrol money he said that he would not give me any money.... why??? The care supposed to be
  17. Hi All, Received so much help and support way back in 2005-2008 which turned my life around. Unfortunately a DCA (CABOT) has re-surfaced issuing a CCJ Claim chasing what I believe to be a Statute Barred debt for Vanquis they have bought. I will post all details in the relevant place and look forward to your much appreciated assistance. Regards
  18. Hi Guys, I'm a returning international student with about £3,000 in credit card debts, phone loans and overdraft that I blasted about a year ago. Now that I have a postgraduate offer to study in the UK again, I was wondering what can I do to stay out of trouble. Obviously, I was young and immature to have been doing such acts back then. I was hoping to pay continue paying said debts above upon my first return home but the job market is tough and I was not able to even make enough back home to cover (especially when earning below average salary and local currency is worth 0.20 to
  19. A relative had been renting a house since Dec 2009. She was paying by DD until about 12 months before the end, when the agent started collecting cash, as they had a bank problem. This went on until the end in at the end of April 2016. A mistake there maybe, but he did provide a receipt every time, which she did not keep. Her bank statements will have the DD's on when she requests them. The deposit was not protected, she never knew it had to be, so I checked, it ain't. She phoned him continuously, without answer. When he finally answered, he said it takes 28 days. This has now gone, in fac
  20. Our Landlord sent us this message last night, we moved out over a week ago and were told everything was fine at that point. None too impressed guys..I made no fuss or deduvtions for lack of cleaning but just gone to make up small room double bed and just realised you turned memory phone matress which covered in 'stains' ! New mattress will be certainly to tune of 150...I trust you will send this promptly! Rosie Implying that I flipped the mattress deliberately to hide "stains" (a glass of wine spilt during a tough essay time). This was not done, I left it on its side when we left the
  21. Hi everyone! Sorry to be one of 'those' people who join in the hope of some free advice but I'm in a bit of a pickle and would really, really appreciate any advice. I'll try and keep it short, I promise. I have recently moved into a new house and as a result, my wife and I bought ourselves a new TV from AO.com. BIt cost £750. In short, it's rubbish - it's slow, it feels and looks cheap, and the optical output doesn't work which is a term which means to me: no sound out of our soundbar. I called AO this morning to arrange a return, and have been told th
  22. Hi, It will be 8 weeks next Wednesday since I drove from Newcastle on Tyne to South Yorkshire to have a new stainless steel exhaust system fitted to my Mazda MX5. They offered to send my old system back to me by courier at no extra charge which I thought was great as it is a lot to fit in a small car. They have not returned it, when I call the owner says he will look into it and call me back but never does, then he said it was because he lost my address, then it was promised for last Friday delivery, yet again , after I sent an email to which his reply sounded genuine and very
  23. AN AMAZON customer who returned 37 items over 15 years has been banned from the site and had his gift card balance taken away. He insists there was a genuine reason for all his returns over the past two years – the goods were either faulty, damaged or not as described. However, Amazon has refused to let him continue buying from the site without giving him, in his words, a “proper explanation”. Amazon told Nelson that the money held on his account as a gift card balance is lost to him, as gift vouchers can only be used on the site and have no transferable value. ht
  24. Hi, I was employed for 7 years as a support worker/assistant nurse I trained as a psychiatric nurse (4 years) I then worked for private health care (the priory) for 18 months, then moved on to work for the NHS (high secure services) I worked here for 4 years. In the last 3 months of my employment, I made 4 medication errors. (none at any other time in my career) No patient was harmed. I have no criminal record. At the time I made the mistakes I was going through a divorce from my wife of 18 years. I was under an extreme amount of stress. I left the job when I had a car crash on my
  25. i received a letter a couple of week ago from rossendales for a council tax debt of £491 i rang them and offered to pay £25 a week which would be a struggle they refused it and said i had to pay £69 every week or they would take further action. I tried to explain i couldnt afford it but they were having none of it. I have paid £50 off the debt £20 last week and £30 the week before but the bailiffs had came when i was out today and now want £676.61 and will be returning on friday t says they will be removing goods even in my abscence. Can they do thi
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