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    • My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • Thanks DX,   I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
    • Yeah That's correct. We left rent payment coming out of his bank account from January 2023 - August 2023 until we could find somewhere to sort out his belongings which was fine. I tried to give notice a few times from August 2023 asking for advice from Sanctuary housing how we went about this explaining his condition and that he was in a Nursing home from December 2022. I explained we don't have any legal powers to his account like POT but were in the process of going for Deputyship and that I was the named person to act on his behalf to speak with Santuary housing. I said we could provide details of his condition and proof he was now in a nursing home with date he moved in. This went ignored despite repeated attempts to contact them until a housing manager contacted us end of February 2024 and notice was finally accepted with his tenancy coming to an end March 22 2024. Although they have continued to take rental payments for the flat despite someone else living in it from the 1st April. I wasn't aware payments were still being taken till I checked his May banks statements. I had asked them to back date rental payments to August 2023 when I gave notice rather than just giving notice in March 2024 but they've ignored that bit. I don't see why they shouldn't give it back they've taken money they shouldn't have.
    • go do a Direct Debit Guarantee Clawback to your bank if you've now got control of his bank account finny.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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    • 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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Just a reminder


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Guest Gertie100

Not starting a petition as such but:

 

Please remember to vote in the local elections in May.

 

Whilst we know that we are all stuck between a rock and a hard place with the political parties, the only tool we have currently to show the current establishment that we are not putting up with their incompetence and wonderful ability to drive this country into the ground, is to vote.

 

Before everyone jumps on me and tells me that the alternatives are no better, until we show "them" that if we are not happy we will vote against them and get rid of them (and do it to the subsequent lot etc etc regardless of party...) every political party will simply ride rough-shod over the law abiding, tax paying citizens of this countries.

 

And yes, I did look into running for our local council, however having to take a pay drop of £20k and still pay my bills doesn't add up so its not an option!

 

Thanks for reading!

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How about encouraging people to spoil their vote?

 

That effectively sends the message that you've ticked the "none of the above" box.

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Guest Gertie100

Ok - so taking that to extremes, no one votes (I know it won't happen) but if it did what would the outcome be? I mean literally, what would be the procedure?

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I know some people don't vote and that is their right. I do feel however that instead of me complaining about things by voting is the one constructive thing I can do to try and ammend things. Like they say its your voice, your vote.

Now which lying party of clowns am I going to vote for this year?:rolleyes:

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No, not, not voting. No vote doesn't get counted, spoiling a vote does and sends a message.

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Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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Guest Gertie100

So applying the spoilt vote to my question - if all votes counted were spoilt who would be elected?

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Ok - so taking that to extremes, no one votes (I know it won't happen) but if it did what would the outcome be? I mean literally, what would be the procedure?

 

Could never happen - there will always be some votes, themselves and their families.

 

Also a 'spoilt vote' is not the right way to go as it could let in who you don't want.

 

If two people had 10 votes each and you spoil one, that is the same as two votes lost.

Your spoilt vote will mean that one of the people gets 9 votes and the other 10 whereas if you used that vote, one would get 9 and the other 11 so a more decisive victory and less chance of a recount demand.

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I turned 18 a couple of days after a general election. It was the most frustrating experience of my life. It annoys me so much that people who are lucky enough to vote, and what's more, in one of the most infuencial countries in the world, are either too lazy or too stubborn to do so and just waste the opportunity. While people have the right not to vote, they should seriously consider what they are doing. Nothing will improve if you refuse to vote.

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Oh to still be so young and idealistic!

 

I know one vote might not make a difference, but anyone who refuses to vote and then moans about the MP who wins their constituency has only got themself to blame for refusing to vote for anyone else to stop them.

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But then you have to ask yourself why there is about a 40% turn out in the UK, yet about a 98% turnout in France.

 

In France, there is diversity between the parties - they range from extreme left to extreme right.

 

In the UK they range from slightly right of middle to slightly right of middle. They literally ARE the same.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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In France, there is diversity between the parties - they range from extreme left to extreme right.
Not so you'd notice these days, when even the lefties had to choose between the right and the even more right. THEN they got off their a*ses and vote to stop the more extreme-right getting in, but that wouldn't have happened if they had voted in the first round and voted for the left candidate(s).

 

The above is the perfect example as to why Tom87 and Gertie are quite correct. ;-) I guarantee that next election, the turnout will be a lot higher than it has been for a long, long time. By then of course, Sarko will have milked the country dry and have destroyed 50 or 100 years of social advances. :-(

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Guest Gertie100

*crash*

 

that's me picking myself up off the floor!!!!

 

 

(runs around the room shouting "bookie thinks I'm right!!!!!" very loudly)

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That's the problem though - we have a two horse race (and have had since the 30s).

 

Our choices are to replace the self-serving parasites with yet another bunch of self-serving parasites.

 

Which way to go? None of the above - I'll be spoiling my vote.

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Which way to go? None of the above - I'll be spoiling my vote.

 

Then don't complain if the sitation never changes and the person you didn't want gets in - you would have contributed to it yourself.

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Couldn't afford the deposit.

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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Then don't complain if the sitation never changes and the person you didn't want gets in - you would have contributed to it yourself.

 

I will complain. The person I want won't get in even if I do vote - there is no choice. As there is no 'none of the above' box, the next best thing is a spoiled vote.

 

I remember all too well just how badly the Tories faired when the power went to their heads 16,17% interest rate, record repossesions, deliberate running down of the NHS etc... I am living the nightmare of this government at the moment. Which to choose from? Errr....neither. Both will fill their own coffers and create "jobs for the boys" - I can see no advantage to voting this lot out, or the other lot in.

 

By spoiling my vote, it is a counted vote - if the number of spoiled votes outnumbers the *real* votes, then I think this sends a very powerful message.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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