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    • This is just so appalling. Trump is pardoning all and sundry who know him and also trying to pre-pardon people for future offences or court cases, for whatever.   But he's trying to speed up executions and reintroduce even more horrible ways of killing people, regardless of the circumstances of their conviction, before he leaves office.   The contradiction is shocking, I think it could be the worst thing he's done.   https://www.theguardian.com/commentisfree/2020/dec/03/donald-trump-pardons-family-clemency-death-penalty
    • Here is the letter I would be sending to the garage;   Dear Sir/ Madam Ref: xxxxxx On xxxxxx I purchased, and took delivery of, the above vehicle Ford Kuga from you. On xxxxx I discovered that it was not of satisfactory quality: the transmission will need to be replaced. The Consumer Rights Act 2015 requires dealers to supply goods that are fit for purpose, as described and of satisfactory quality. However, the vehicle is clearly not roadworthy. You are therefore in breach of contract.  I am legally entitled to ask that your repair or replace this vehicle at no further cost to me. If you are unable to do so, I expect to be reimbursed the original purchase price of £xxxx, minus an agreed amount for fair usage. If you fail to reimburse me, I shall have no alternative but to issue a claim against you in the county court for recovery of the money without further reference to you. Yours faithfully,
    • They are from Birmingham City Council , and this where the his mom live At this time I was homeless , with no permanent address 😔😥
    • Hi all im looking for advice when it comes to council tax liability for a new home if an eviction is started for our old home but then suspended due to court error and pandemic causes further delay in proceedings.   The short story is i'm a disabled carer getting legacy ESA and carers allowance who has lived in his own home for nearly 20 years with mortgage as leaseholder. (SMI loan helps with mortgage interest). Also terrified of the UC migration that a change of circumstance will cause so dragging my feet tbh.   Just before the Pandemic the freeholder of our "old home" obtained a dubious possession order and we received notice of eviction before the pandemic so signed a tenancy for a "new home" that we where grateful to be accepted for in a new local authority district. As a result we stopped paying the bit of mortgage interest we needed to pay in our old home in favour of paying the rent for the new home out of our own pocket but before we could move into the new home proper and tell the DWP about a change of circumstance to get the rent paid (natural migration to UC?) the pandemic locked us in our old home!   Now we still haven't moved because the possession order was set aside when the courts re opend post first lockdown because of court error but possession proceedings are still ongoing with the added bonus the mortgage company is now involved and there legal fee's alone have been added to our mortgage balance effectively consuming all equity that was left in the property, thus our long term plan to sell, settle debts and move into rental is destroyed.    The new home awaits us and we spend a couple of days a week there, we have been able to put cheapest carpets in and blinds and moved some stuff in. We pay the rent out of our small income for security to avoid homelessness but we cant abandon the old home yet because thats likely a bankruptcy for certain if we just hand it to the mortgage company..   Believe it or not this is still a council tax question because the council where the new home is want there council tax and have demanded hundreds but obv we cant claim CTR yet as we havent formally had a change of circumstance due to the delay in eviction and im not sure they will like whay i have to tell them.    So the primary question is will the council be able or even willing to reduce or cancel the liability for the new home under these circumstances until we actually get evicted formally from the old home?   I think when you have title to a property you cant claim help with rent on another property and rightly so even in times like this...   We also worried about losing the new flat because being housing association we supposed to live there as our main home but have been delayed moving as described, its pretty certain we are getting evicted in the new year one way or another then insolvency might follow that depending how it occures we are just trying to find a path to avoid insolvency, benefit fraud and homelessness and deal with the council tax in the new home to! Not a small task during a pandemic! Its a tricky customer this any help welcome...  
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hi just to keep all up to date cccs appointment was yesterday but they rang and had to cancel unforeseen circumstances so they rearranged for tomorrow spoken to lbl advised i was in contact with cccs and they agreed to accept 40 per week for 8 weeks im hoping i can sort something more reasonable out after speaking to cccs they informed me 40 per week was going on in charges !!!!! so i pay 40 and they put 40 back on to settle goes upbout 100 per month im so frustrated :(

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  • 2 weeks later...

cccs have advised i have to continue payments to lbl or lose my car as it is hire purchase agreement ???? They e mailed template to send to my creditors and advised i look into if i am getting correct benefits i didnt find them so helpful

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  • 2 weeks later...

Hey xx (((((((((((hug))))))))))))


If you hand back the car then they will auction it and charge you for the difference between the piddly amount they will say they got for it, and the outstanding debt amount as it stands.


I'll ask someone to come help you a bit more dealing with these 'people'.


FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Hi browneyedgirl


It is relentless and hard to deal with but dont give up. I'm in the middle of it now, lost my job, logbook wouldn't help and didnt want to know.


Cut a long story short, trading standards and an independant solicitor have both told me that the agreement is unenforcable. So with that in mind, having spoken to everyone i can think of, local county court, royal court of london, putney trading standards, my trading standards, OFT, News Of The World paper, the Sunday Mirror and the Communities Legal Advice (0845 345 4 345 very helpfull), i have hidden the vehicle, and am in the process of dealing with a solicitors firm called Stephensons. They believe they can sort it out.



Give them a call


I lost my job and my house, I'll be f****d if i'm gonna lose my car to these sharks!!!!



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just been looknig at my bos it is witnessed by rep is this ok


No it isn't ok. The witness should be independent and not a beneficiary of the contract. Could be worth contacting your local trading standards department to see if they can offer any help.


This link may give you some ideas.



Edited by caro


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The Consumer Action Group is a free help site.

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


Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007



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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[Link removed]


Decent people.

Edited by steven4064
I agree but commercial links not allowed


FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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contacted stephensons they are going to look into this mess advised i move vehicle and inform lbl when they contact that they are now involved . why does this whole situation over take my life all i seem to do is worry bout this whole situation they said i can get legal aid so thats good news im obsessed with this i only hope i can help some one else when its all sorted !!!!!

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stay strong -- I know from experience how awful LBL are.





Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.


All in all, quite busy at the moment and enjoying every minute of it




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