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    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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what cheers you up.


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Ok we have the irritating one going strong but to balance it out there must be lots of things that make us happy.

 

here are a few of mine.

 

Winning back nealy £14,000 in Bank Chargers from LTSB.

Holidays to far and distant places

Camping

my family and my home.

Having a car so i don't have to hang around in the cold waiting for public transport

My bed

stoggy cake and custard

christmas

mothers day being only next week

and most of all school holidays.

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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To hear of someone carrying out some selfless task to benefit somebody else, rather than themselves.

 

To hear the wonderment in a young child's voice and to see their excitement at Christmas-time.....You know that all the preparation was worth-while.

 

After being put out to grass at the age of sixty, because of ill-health, being given full-time employment by one of the company's main competitors.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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What cheers you up.

 

Oh just the simple things in life.

 

Good food

Great sex

Family life

Nice drink

 

Oh and theres the really good bits, the bits that really matter.

 

Like this.

 

 

 

Tottenham 5-1 Arsenal

 

(Spurs win 6-2 on aggregate)

 

_44374274_spurswin_getty416.jpg

The 6-1 aggregate score books Tottenham's place in the final.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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What cheers you up.

 

Oh just the simple things in life.

 

Good food

Great sex

Family life

Nice drink

 

Oh and theres the really good bits, the bits that really matter.

 

Like this

 

Tottenham 5-1 Arsenal

 

(Spurs win 6-2 on aggregate)

 

_44374274_spurswin_getty416.jpg

The 6-1 aggregate score books Tottenham's place in the final.

just 1 question .................................

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

whats sex ?

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Its here.

 

(Spurs win 6-2 on aggregate)

 

Sex 2 on aggregate.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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CAG

 

There are so many friendly people here willing to help you out in all sorts of consumer problems.

 

CAG Bear Garden

 

Its nice to unwind with a little fun here.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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I'm a simple person so in no particular order.

 

Opening a door for somebody, and having them utter the rarest of all words "Thank you"

Spending time with my wife

Spending quality time with family

Spending time with friends

Getting one over on ANY Financial Institution

Photography, and taking photos of far flung places

Visiting far flung places

Eating food from far flung places - Chinese and Thai for instance :D

Listening to good music

Driving in sunshine

Being appreciated

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Getting a hug from my 6" 19year old son

Getting a goofy toothy grin from my Lab (her version of smiling!)

The birdsong I can hear in the garden

The lighter evenings (I get sooo depressed in the winter)

Spotting yet another mistake by the DCAs:D

Husband slowly realising that I do know what I'm talking about when he gets his charges refunded!

The Bear Garden

Just being alive:p

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My lovely wife.

 

A Brandy and ice.

 

Another one . . .

 

. . . and another . . .

 

:D

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Remembering seeing my brother for the first time when he was less than 20 minutes old (and boy did he have a good pair of lungs!).

 

Seeing the look on people's faces when you have helped them out - little else that is more rewarding for me.

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thinking of my holiday in a couple of weeks time thanks to LTSB

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Tonight i am so cheered up that im even going to stop hounding the bailiffs for 24 hours.

 

_44448158_winners_pa416.jpg

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Thinking about skydiving. Not that I ever get to do it! Belgian chocolates. Indian food. Being lecherous after a few bevvies. :) :) :) Playing football. Cross country running. Haven't done much of that for a while! Happiness cheers me up, am I being an oxymoron? A good kip. Waking up on the days when you don't have much to do. Music that suits my mood. Travelling. Thinking about the nice German Shepherd i'm getting in the next few months. Not having any debt! Not bearing grudges. Being at peace with myself. Having dignity and self-respect. Not caring what others think about me. Not having regrets.

 

This list is by no means exhaustive, but i'll leave it at that. Wait I forgot one! Feeding trolls till they're stuffed and can't go on more. You have to strip off and climb in the pit with them, but they are usually easy pickings. I know I shouldn't!

What sort of world do you want your kids to grow up in?

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Being woken up of a morning with breakfast and a big kiss of my O/H

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Sunshine

Seeing my family smile (very rare grumpy teenagers and even grumpier husband)

Things that actually go my way for a change

Being appreciated (not happened yet but I imagine it would be nice)

Manners

Spring flowers just coming up

:) :) :)

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Mr's Lex coming home from work !!!! :D

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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A very dear friend has just lent us a substantial amount (interest free) to get the VAT man off our backs - a very true friend who I couldn't speak to, because I was in tears of gratitude and had to leave it to OH to deal with. I said that I hope that someday in the future, I could also help someone the way she has.

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Thats great news, but dont tell the Vat Man who it is, he might charge them 17.5%.:p;)

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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A very dear friend has just lent us a substantial amount (interest free)...I said that I hope that someday in the future, I could also help someone the way she has.
Pick ME...Pick ME...Pick ME!!!...:razz:

I asked 1st peeps...the rest of U can gerroff!...:mad:

...:D

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