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    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
    • The boundary wiill not be the yellow line.  Dx  
    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
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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. 
       

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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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Homework Project - Please Help


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DD is doing a college project and I said I'd ask for help from you lot in canvassing opinions. She has to make a documentary on any subject she likes and has chosen the subject of stereotypes. Could as many of you as possible please answer the following.

What would you think of the following. Please give an example of what you think represents each of them?

 

 

Goth

 

 

 

Chav

 

 

 

Townie

 

 

 

Skater

 

 

Do you think people judge teenagers by the way they look without knowing what they are really like?

 

All help much appreciated.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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DD is doing a college project and I said I'd ask for help from you lot in canvassing opinions. She has to make a documentary on any subject she likes and has chosen the subject of stereotypes. Could as many of you as possible please answer the following.

 

 

What would you think of the following. Please give an example of what you think represents each of them?

 

 

Goth

Black clothes, heavy make up, heavy music,

Chav

Alcoholic teenage mothers, agressive manner, burberry

, nike

 

Townie

Like chavs but more friendly

 

 

Skater

Greasy, just skate, have no friends

 

Do you think people judge teenagers by the way they look without knowing what they are really like?

Yes

 

All help much appreciated.:)

 

Answers from my 15 year old daughter:rolleyes:

Consumer Health Forums - where you can discuss any health or relationship matters.

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Well she'd be more likely to know. Please thank her Gizmo. My daughter did suggest that people might ask their kids. Hint hint!!:p

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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DD is doing a college project and I said I'd ask for help from you lot in canvassing opinions. She has to make a documentary on any subject she likes and has chosen the subject of stereotypes. Could as many of you as possible please answer the following.

What would you think of the following. Please give an example of what you think represents each of them?

 

 

Goth,

Black make up & clothes

 

 

Chav

Gold, gold and more gold, suntan, burberry

 

 

Townie

Designer handbags and shoes

 

 

Skater

Baggy trousers, hogs pavements

 

Do you think people judge teenagers by the way they look without knowing what they are really like?

Yes, unfortunately

 

All help much appreciated.:)

Answers from a 50+ year old:D

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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DD is doing a college project and I said I'd ask for help from you lot in canvassing opinions. She has to make a documentary on any subject she likes and has chosen the subject of stereotypes. Could as many of you as possible please answer the following.

What would you think of the following. Please give an example of what you think represents each of them?

 

 

Goth

 

All black 24/7 pale faced with dark eye make-up

 

Chav

 

Hats ,trackies,trainers, MC'in out loud on their phone

 

Townie

 

similar to a chav

 

Skater

Always on a skateboard very baggy jeans (with crotch below their knees)

 

Do you think people judge teenagers by the way they look without knowing what they are really like?

 

Yep no question about it

 

All help much appreciated.:)

 

 

Answered by my 16yr old daughter

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What would you think of the following. Please give an example of what you think represents each of them?

 

 

Goth

 

Black clothes; black hair; pale skin as if they're scared of the sun; serious looking (does not often smile);

 

Chav

 

Essex boy/girl; trashy; dresses top to toe in designer gear, usually burberry - that might be knock-off; maybe "stella"; alco-pop drinker; oversize gold jewellery; faker -it's all about labels and money - no soul.

 

 

Townie

 

steers clear of wellies and muddy fields; often pays £2+ for coffee rather than 90p at the 'caff'; unlikely to know or socialise with neighbours - unless they have have lived in same house for 30 years; has fab kitchen but never cooks in it;

 

 

Skater

 

wears a hoodie and denim; dirty, unwashed, greasy hair; teenage boy that spends most of the day outdoors; is daring and loves the thrill of danger; knows 'his' way to his nearest a&e

 

Do you think people judge teenagers by the way they look without knowing what they are really like?

Of course. But people judge people by the way they look too. And teenagers are poorly portrayed in the media. So if a "gang" of teenagers get on the train, passengers often look away for fear of inciting conflict

 

Hope this is helpful X

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What would you think of the following. Please give an example of what you think represents each of them?

 

 

Goth

Keep themselves to themselves, listen to EMO type music, sad and depressing, black black and more black

 

 

 

Chav

Poor council estate dirty unwashed and uneducated, thick and find it difficult to comunicate with people outwith their groups. Arrogant, violant, (prbably due to the paranoia due to all the dope smoking), ugly, spotty, scruffy, hugely unaware at how stupid the are and how they dress, trakkies, ponytails, that stupid block hair dying, just complete waste of spaces, sponging off tax payers, lazy, hundreds of kids, criminal behaviour.....need i go on?

 

 

 

Townie

A more up market Chav

 

 

 

Skater

Keep themselves to themselves, artistic, casual, happy, fun seekers

 

 

Do you think people judge teenagers by the way they look without knowing what they are really like?

YES

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

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DD is doing a college project and I said I'd ask for help from you lot in canvassing opinions. She has to make a documentary on any subject she likes and has chosen the subject of stereotypes. Could as many of you as possible please answer the following.

What would you think of the following. Please give an example of what you think represents each of them?

 

 

Goth

 

Silver jewellery, piercings, pale makeup, black hair, loud, depressing music

 

Chav

 

Obnoxious, stripey legged trousers, baseball cap, oversized gold jewellery, sovereign rings, scraped back hair into pony tail

 

Townie

 

Designer clothes, wouldn't know a plant unless it grew starbucks coffee, self centered

 

Skater

 

Laid back, loose casual clothes, enjoys a good time, physically fit

 

Do you think people judge teenagers by the way they look without knowing what they are really like?

 

Yes, everyone is guilty of basing opinions on appearances, be it race, religion, size, sex etc...

 

All help much appreciated.:)

 

All the best from a wrinkly, grey 38 year old :D

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Aw thanks guys. This is just what's needed. :)

 

Get the feeling you prefer skaters to chavs chocolatte.;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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DD is doing a college project and I said I'd ask for help from you lot in canvassing opinions. She has to make a documentary on any subject she likes and has chosen the subject of stereotypes. Could as many of you as possible please answer the following.

What would you think of the following. Please give an example of what you think represents each of them?

 

 

Goth

Well, I've met a couple - black eye make up (and nails) and a nice white face - bit punkish (showing my age here ;))

 

 

Chav

Bo *goes for a Google*

 

 

 

Townie

Someone who lives in a town?

 

 

 

Skater

Well I did do roller skating as a kid :D

 

 

Do you think people judge teenagers by the way they look without knowing what they are really like?

It really depends on the person. Me personally, no way jose ;)

 

All help much appreciated.:)

 

Answers from someone well over 40 who's had a couple of glasses of the old vino (well, it is Wednesday ;)) and can't be bothered to do a "Google" :lol:

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What would you think of the following. Please give an example of what you think represents each of them?

 

 

Goth - MY type of peeps based purely on info below

Goths, ancient Teutonic people, who in the 3rd to the 6th century ad were an important power in the Roman world. The Goths were the first Germanic peoples to become Christians. According to the 6th-century Gothic historian Jordanes, the Goths came from Sweden across the Baltic Sea to the basin of the Wisła. By the 3rd century ad they had migrated as far south as the lower Danube, around the Black Sea. During that century Gothic armies and fleets ravaged Thrace, Dacia, and cities in Asia Minor and along the Aegean coast. They captured and plundered Athens in 267 to 268, and threatened Italy. For about a century, wars between the Roman emperors and Gothic rulers devastated the Balkan territory and the north-east Mediterranean region. Other peoples joined the Goths, and under the great king Ermanaric in the 4th century, a kingdom was established that extended from the Baltic Sea to the Black Sea.

About 370 the Goths divided into two separate groups. The Ostrogoths (Low Latin Ostrogothae, “the eastern Goths”) inhabited a large kingdom east of the Dnestr River on the shores of the Black Sea (part of modern Ukraine and Belarus). The Visigoths (Low Latin Visigothi, “the good Goths” or “the noble Goths”) were the western Goths, with a domain extending from the Dnestr to the Danube.

Microsoft ® Encarta ® Encyclopedia 2005 © 1993-2004 Microsoft Corporation. All rights reserved.

Chav - Misunderstood peeps feared by the 'intelligensia'

Chav

 

Townie - Peeps who WORK for a living + DON'T get 3 months 'holiday' during the summer!

Townie

 

Skater - Wannabe BMX Riders

Skater

 

Do you think people judge teenagers by the way they look without knowing what they are really like?

NO...peeps employ namby-pamby Social Workers to spread that propoganda!...:rolleyes:

Anyone care to do THIS homework??...:???:

 

 

...:D

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Well no-one could accuse you of being a stereotype MTM. I'm sure there isn't another one like you.:p

 

Thank you for your input.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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DD is doing a college project and I said I'd ask for help from you lot in canvassing opinions. She has to make a documentary on any subject she likes and has chosen the subject of stereotypes. Could as many of you as possible please answer the following.

What would you think of the following. Please give an example of what you think represents each of them?

 

 

Goth - Likes vampires, into sad music, wears black and my mum used to be one and the photos are funny!

 

 

 

Chav - They drink in the church-yard on a friday night and in the school holidays and they can't talk properly and wear gold earings (even the boys) and I don't like them because they swear.

 

 

 

Townie - Don't know

 

 

 

Skater - REALLY cool and can do tricks at the park and don't shout at you

 

 

Do you think people judge teenagers by the way they look without knowing what they are really like?

 

All help much appreciated.:)

 

That's from my eight year old.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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What would you think of the following. Please give an example of what you think represents each of them?

 

Goth:

Should be elevated to positions of royalty.

Example - I am an ex-Goth, they are not EMO's, and are widely misunderstood.

Chav:

Should be stood against the wall and shot.

Example - they are a bane on society, like bank managers.

Townie:

Should be stood against the wall and shot.

Example - they are a bane on society, like bank managers. Hold on, they
ARE
bank managers.

Skater:

Should be stood against the wall and shot.

Example - they are a bane on society, like bank managers.

Do you think people judge teenagers by the way they look without knowing what they are really like? If the teenagers are Goths then yes, otherwise all negative judgements are valid...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Well I think I can safely say not all answers are what might have been expected.:rolleyes::p

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Well I've emailed a link to this page to my daughter and will let her decide whether CAG users are outside the range of what might be considered "normal" MTM.:p

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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What would you think of the following. Please give an example of what you think represents each of them?

 

 

Goth

pale skin, black make up and hair, black clothes and heavy music,

 

 

Chav

more elizabeth duke bling than you can wave a stick at, trackies , burberry, and scraspped back hair innit! am i boverred!

 

 

Townie

urban dweller with a fear of wide open spaces ;)

 

 

 

Skater

jeans with the arse at the back of the knees, slightly unkempt, laidback

 

 

Do you think people judge teenagers by the way they look without knowing what they

wrongly so, but yes

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Not all Goths have black hair - not telling you which one I am!

when you were young ....jpg

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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It is a nice picture Tiglet, and proves the point you shouldn't judge people by their appearances and put them into a slot. Seems Spicey isn't the only ex-Goth.:p

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Not all Goths have black hair - not telling you which one I am!
Oh, go on. You know you want to...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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DD is doing a college project and I said I'd ask for help from you lot in canvassing opinions. She has to make a documentary on any subject she likes and has chosen the subject of stereotypes. Could as many of you as possible please answer the following.

What would you think of the following. Please give an example of what you think represents each of them?

 

 

Goth

People who dress like individuals - just like all the otehr individuals

 

 

Chav

Council estate residents under 50. Most people born after 1988

 

 

Townie

Sorry - dunno

 

 

Skater

See Goth. Need to grow up

 

 

Do you think people judge teenagers by the way they look without knowing what they are really like?

 

Yes but don't we do that all the time anyway?

 

 

Lets see how much stick I get now....

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Oh, go on. You know you want to...

 

You'll have to guess;)

 

To be fair, after that point my hair was blue and purple at some points ...

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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