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    • So you're telling me you wouldn't rule it out but agreeing with others it's true without qualification. Hardly objective.   There is no evidence it's true and not even Labour are suggesting it. Like I say, opinions are fine but they are worthless unlesss they have at least some factual basis.   Germany put Spain on their quarentine list yesterday, are you blaming that on Brexiteers too?
    • what rights of access do you have on your agreement with the landlord?   i suspect you shouldn't have to pay a thing.
    • then there is your proof to them why would you pay for BB twice!!   for my notes: GENERAL NOTES ON CHARGEBACK & Continuous Payment Authority & BACS   .....  We have been telling people to put a letter into their bank instructing them  not to make any payments under any circumstances to these companies  . http://whatconsumer.co.uk/visa-debit-chargeback/- it works! usually this should be done using the number on your debit card  .  banks MUST follow written intructions from their customers ! . CANCELLING YOUR DEBIT CARD DOES NOT STOP CPA'S  .  This fsa guide has now been updated:  . http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf http://www.fca.org.uk/news/continuous-payment-authorities-your-right-to-cancel https://www.fca.org.uk/consumers/unauthorised-payments-account  .  Here's the text:  .  Cancelling a regular  card payment:  .  When you give your credit or debit card details to a company and authorise them to take regular payments from your account,   such as for a gym membership or magazine subscription,  it is known as a ‘recurring transaction’ or ‘continuous payment authority’.  . These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.  .  In most cases, regular payments can be cancelled by telling the company taking the payments.   .  However,   you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.   Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.  .  Be aware, though, that you will still be responsible for paying any money that you owe. and that CANCELLING YOUR CARD WILL NOT STOP THE CPA  .  ..  .  New june 2013  .  Regulator orders Banks and mutuals to review complaints about not cancelling recurring payments from November 2009.  .  Consumers who have set up a regular payment from their account will now be able to successfully cancel that arrangement   by contacting their card provider, the Financial Conduct Authority said.  .  The FCA has been examining how easy it is for customers to cancel Continuous Payment Authorities (CPAs)   due either to payday lendersicon or for other regular payments such as subscriptions or gymicon memberships.  .  CPAs, which are also commonly called recurring transactions or recurring payments,   are relatively easy to set up but can be hard to cancel, causing problems for consumers trying to manage their finances,the FCA said.  .  Now, following the FCA review of how the largest high street banks and mutuals process requests to cancel CPAs, they have agreed that they will ensure that when   a customer asks for a recurring payment to end, that will be sufficient to cancel the arrangement. They have also confirmed that should a payment go through by   mistake following cancellation by a customer the customer will be refunded immediately.  .  In addition to securing this commitment, the largest banks and mutuals have agreed to review every individual complaint they have received about the non-  cancellation of a CPA and to pay redress where payments have continued to be made despite the customer cancelling the arrangement. This applies to all complaints   since November 2009 when the Financial Services Authority, the FCA’s predecessor, began regulating banking conduct.  .  Clive Adamson, the FCA’s director of supervision, said: “It’s important that consumers are confident that banks are meeting their everyday banking needs. Today   customers can be confident that when they ask for a Continuous Payment Authority to be cancelled – it will be cancelled - and that it can be done easily.   . “We recognise that historically this is an area where some customers have struggled but the banks and mutuals have responded positively to our work on this issue.   From now on we expect them to be getting this right. In addition, they have committed to review past complaints.” .  .  Also mentioned your displeasure that as whomever took your money had obviously attempted this many times   probably activating your banks own anti fraud software - nobody had the decency to inform my you this was going on.? .  .In the FSA's own words:  .  ..  What should I do about a payment from my account that I didn’t authorise?  .  Your bank must refund an unauthorised transaction.   Money can only be taken from your account if you have authorised the transaction   or if your bank can prove you were at fault –  . see below.  Contact your bank immediately if you notice an unauthorised payment from your account. .  If you are sure you did not authorise the payment, you can claim a refund.  .  However, your bank does not have to refund you if you do not tell it about the payment until 13 months  or more after the date it left your account.  .  Your bank must refund an unauthorised transaction  .  ------------------  .  Your bank may only refuse a refund for an unauthorised transaction if:  .  ? it can prove you authorised the transaction  – though your bank cannot simply say that use of your password,   card and PIN proves you authorised a payment; or .  ? it can prove you are at fault because you acted fraudulently,   or because you deliberately,   or with gross negligence, failed to protect the details of your card, PIN or password in a way that allowed the transaction  .  -----------------------  .  How quickly must my bank refund me for an unauthorised transaction?  .  The bank must make the refund immediately unless it has evidence that one of the above reasons applies.   Your bank may ask you to answer some questions and fill out a form confirming what has happened,   but it cannot delay your refund while it waits for you to return the form.  If the bank has evidence that one of the above reasons for refusing a refund applies,   it may investigate before making a refund   but must look into it as quickly as possible.   If your bank rejects your claim for a refund it should explain why.  If the transaction was on a credit card, the refund may not happen immediately.   But the card issuer cannot charge interest or ask for repayment of the amount unless it can prove you are liable to pay        
    • Nearly £1.5bn of government cash is yet to be dished out to struggling businesses. View the full article
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
Staichey

Not sure where to put this, help again please!

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Hello all :-)

 

My girlfriend had an alternator put on her MR2 in february, along with other works carried out. The reason it was replaced is because an oil leak above it caused oil to drip onto it and kill it.

 

This has now repeated itself. conservative estimate for repairs is £250.

 

Does anybody know what recourse is possible against the garage, for works rendered? As this simply wont do. I would happily visit them but she is in Cheshire and I am in Leicestershire :mad:

 

I asked my mum (lol) and she seems to think that 12months warranty on new parts and labour is the "going rate", she also mentioned that you can expect up to 6 years of implied warranty for new parts (though I am not sure if it is applicable, i guess this depends on the paperwork and what it says?)

 

She has the receipt for the work, I will ask her if there are any T&C's on the reverse, but any help in the meantime would be ace :-D

 

Many thanks, have a happy sunday all 8-)

 

Steve

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Hi, Steve.

 

I'll move this thread to the appropriate Forum.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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You need to find the root cause of the issue. I'm in Cheshire as well and an automotive engineer ( not a mechanic, though was years ago!!). It sounds as though the immediate problem was fixed, the initial cause wasn't.

 

Proving liability will be difficult. What you need is the problem fixed once and for all. From what I remember about the layout of the MR2 powertrain, it's likely the rocker cover gasket is leaking. It might be able to rescue the alternator by cleaning with a special fluid IF that is the problem.

  • Haha 1

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Scott, many thanks :)

 

 

You need to find the root cause of the issue. I'm in Cheshire as well and an automotive engineer ( not a mechanic, though was years ago!!). It sounds as though the immediate problem was fixed, the initial cause wasn't.

 

Proving liability will be difficult. What you need is the problem fixed once and for all. From what I remember about the layout of the MR2 powertrain, it's likely the rocker cover gasket is leaking. It might be able to rescue the alternator by cleaning with a special fluid IF that is the problem.

 

 

The root cause the first time wasn't determined, although the alternator packed up and the rocker gasket was leaking.

 

iirc, the MOT station changed the alternator, and another garage changed the rocker gasket, I have no idea why.

 

I spotted the leak during a quick visual check over recently, and found every single one of the rocker bolts to be finger tight at best. Also they are cross headed bolts (for a screwdriver!) not the normal M6, six sided 10mm nuts you normally find! No wonder they cant be done up tight enough!!

 

Naturally, the gasket was leaking oil profusely which was most proliferant on the OSR of the engine, directly above the alternator (which was full of oil) and has subsequently failed. It is yet to be tested but I will recover the vehicle to Leicester this weekend and have it sent directly to my engineers for inspection, and written reports.

 

Armed with this, I plan to then take action against the garage responsible for the gasket being changed, should this be determined as the sole cause of the altenator failing.

 

Steve

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Not sure who Scott is but glad I got it right in one!! For it to be cross headed bolts, something is seroiuosly wrong as you point out. Hate to ask this but how long between buying it and the initial fault apperaring. If the garage replacing the gasket dis like for like then ehhhhhhhhhh, not sure where to go with it. You should have been told that it wasn't right though.

 

Let me know how you got on!!!

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