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    • The EU is turning into an aggressive bully. It is incapable of reforming itself. Remaining in the EU is the high-risk strategy – not leaving it.   The EU is a fundamentally protectionist trading bloc The EU seriously misallocates resources The EU is a political project that is fundamentally anti-democratic The ‘purposive’ nature of EU law The folly of introducing the euro The demographic ageing of the EU population The EU has inadvertently encouraged regional separatist movements to develop in a number of member states Increasing Euroscepticism in the EU The EU have been blamed for the tension between Russia and the Ukraine   There is massive corruption in the EU well illustrated by the fact that the EU’s accounts have not been approved for the last 20 years by the EU’s chief auditor in respect of around €100bn of expenditures.   The EU’s negotiating behaviour over the Withdrawal Agreement revealed itself to be little better than an aggressive bully when it did not get its way.   Stopping the UK from participating in Galileo, Europe’s Global Satellite Navigation System, despite our significant existing investment.  Threatening to stop our aircraft from taking off and blocking Eurostar trains from entering the Channel tunnel. 
    • Thank you for your reply. As a business owner myself I can appreciate CEX point of view in matters.   We never had a loan agreement. Although my brother did offer to pay the monthly price of the phone. Which he paid by bank transfer to me every month he had the phone.    In the current situation they are and will remain in financial loss on this occasion, which they have openly said to me. They are sticking with there point that they are happy to hand over to the police if requested which they know will not happen. They are also aware that the phone will remain locked, and effectively unsaleable, until returned to myself. I understand though that the phone is there collateral in all of this and offering to sell the phone to me for £393 is there way to do some damage control.    Whilst the offer may be reasonable it unfortunately makes no sense to me financially. I would be more out of pocket if I done this. It would be nice to have the phone returned but the worst case would be for me to leave the locked phone with CEX and purchase a cheap mobile to use until the contracts runs out. I have the SIM card for the line. 
    • Apologies.   I recieved the email 'An important update about your mobile tariff' with the no termination fee details mentioned on 24 06 2021   I called to terminate/get a PAC code on 14 07 2021   Today I noticed that there is a payment for the full amount about to be taken out of my bank account, and today an agent on instant chat told me that when I requested my PAC over the phone on 14th the agent did not note that I had said that the change would affect me, this last requirement seems pretty flimsy and wasn't mentioned in the email.   I wanted to find out if I could safely block this at my bank before payment is taken as I have no confidence in O2    
    • I'm afraid that I take a slightly different view. Although this will add to your grief and distress, if you make an allegation of theft to the police and eventually persuade them to carry out an investigation and give you a crime reference number then you should have some joy if it is actually considered to be a stolen item. Of course there are a number of difficulties here. First of all you will make things far more complicated for everybody else who is grieving because I imagine that you are not the only one and so therefore you may incur some wrath and resentment from others who decide that you are simply attacking a man when he's not around to defend himself. It will damage your brother's reputation. And finally – and maybe the most difficult – is putting sufficient pressure on the police to consider that it is a legitimate crime report and to give you the crime reference number that you need. If you can get it to be treated as a stolen item by the police then the ownership of the phone remains with you and you should then eventually be able to recover it – but don't imagine it will be easy. CEX could then try to sue your brother's estate if there is any money there and of course if CEX can be bothered – which they probably can't. Alternatively, you could put in a claim against your brother's estate – once again if there is any money there. If you want to go the police route then of course it will be helpful if your brother has got any form for this kind of thing – but I can still imagine that the police don't really want to get involved and will keep on trying to say that it is a "civil matter" which is a standard way of saying you are nobody important and therefore we don't want to get involved. Or if it is you who has been accused of crime – then you are too important and it's going to cause a load of hassle if we investigate you.  
    • Wonder if its the right-wing/q-anon/brexiter types being hit hard there? If so hopefully their attitudes will be coming more into line with reality. -  Whoever it is - Get jabbed       Plea to Peterborough and Cambridgeshire residents to show caution as COVID rates rise | ITV News Anglia WWW.ITV.COM The leaders of emergency and health services in the area are urging people to remain vigilant even though restrictions have been lifted | ITV News...  
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Rejecting New Car under Hire Purchase

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Hi there,


I would appreciate your thoughts/experiences in relation to the following ongoing problem!


Purchased a new Skoda Fabia in September 09. Nov 09, major fault occured. Engine died at 70mph on motorway. No power, no indicators, no hazards and yes I was in the outside lane! Could have been fatal!


Mechanics at dealership said it was because car was wrongly assembled and sent report off to factory. Immediately I rejected the car and wrote to HP comp (Skoda Finance) and dealership to this effect. Received no response from HP comp and then about 3 weeks later Dealership took our courtesy car away as they repaired the car and said it was fine.


I took legal advice from the Which and was advised that I was within my rights to reject the car under the Sale of Goods act and that my rights to do this extended as my contract was with the Finance company and they owned the vehicle. plus the onus was on them to prove it was not faulty at purchase. So I stuck to my guns.


Sent through follow up letters and phone calls trying to get another courtesy car provided (they took it away on the 23rd Dec!! Is that pressure or what?!) to no avail.


Contacted Financial Ombudsman who wrote them a letter saying they had to respond to us. Received a call from a senior person the same day! He wanted to negotiate and was very sympathetic to our position...


I said, its full refund, or, you can give me a Skoda Fabia to the value of the money I have paid you (approx £5k) and we'll call it quits (more formal language was used!). Those are the only options I am willing to pursue as I don't want another finance agreement with these people and I don't want this model of Fabia as they can't guarantee its safety. I will take my money and go and buy a used car with it so if they want to keep my cash in the group, I am happy to in effect buy a used Fabia from them. I also want some compensation for the very dangerous experience in the new car, and the lack of response from Skoda Finance, leading to no courtesy car and considerable inconvenience and expense incurred by me from 23rd Dec 08.


They then referred things to the dealership to negotiate and I now have a courtesy car again (post festive season!) and they have suggested an 07 plate replacement car. I suspected they wanted me to continue with Finance and clarified I don't want a Finance deal anymore. The senior person started hinting they would take me to court (over what? I am still paying them under protest despite having no car!!) and then back tracked. I repeated my terms and have left it there.


Frustrated, stressed and concerned. :-x


Has anyone ever successfully rejected a car?!!! The Which legal services have been very confident that our position is crystal clear and we are in the right. However, I would prefer to pursue settlement via the Ombudsman rather than court.


Your opinions will be appreciated!

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