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    • Sorry just get worried that they will make my life harder than they already have lol   Bought the car around 12th Sept 2022 for £78,000 from clinkard cars. Was a 2019 Range Rover with 25k miles, £20k deposit at £750pm pcp over a 4 year period. Finance company are alphera (bmw finance) spoke to them in October 2023 about the damage my bodyshop advised me of but they told me to deal with the dealership. Paid for the repair myself as I was told the extended warranty I paid for (recommended through dealer) wouldn't cover it as it was an existing fault and not mechanical breakdown. When I got the £40k offer from the dealership they still didn't want to get involved unless I got an independent inspection done. Used Elite Forensic inspections as they seem highly rated online (more comprehensive than your average AA inspection). I just looked online for thr best inspections for customers eho hsbe alre purchased the car. Their report was super comprehensive over like 50 pages of text and photos. Comparisons to the advert photos against what the inspector saw made in clear that the damage was before I purchase it. Got the report back 10th Jan 2024 and couldn't believe that they'd picked up the level of accident the car had been in and raised an official complaint through Alphera, they couldn't come to a decision with 8 weeks so raised with FOS. Around the 7th March 2024. Small issues started within the first week of purchasing like ambient light not working on the side the car was hit and car randomly switching off completely when I'd stop at traffic lights/junctions. Dealers eventually got this sorted which I appreciate, but doesn't change the fact that they didn't check the car as well as I'd been told it had been checked and they'd sold me an accident repaired car and initially tried to say all cars have had paint due to stone chips etc. Also turns out the car had only had 1 service before I serviced the car in mid 2023 (when the service light came on the car).   So far Clinkard have had my car for nearly a month (so my wife and I hsve had yo share cars since), they've said we've taken the far to 2x garages so far to inspect it and got 1 more garage to take it to. Currently refusing to tell me what those 2 garages have said so far with the attitude of because you've gone through FOS we have to follow the correct channels and respond to the complaint through them which is quite annoying.
    • This has been playing on my mind a little so been reading. Am I right in saying that if the original debt was regulated under the CCA and below 25k they can't use HCEO? 
    • Thank you, I appreciate your response! Just written a CCA request. Will send that to Cabot tomorrow with the £1 postal order. Should I send it recorded delivery? Trying to work out the best address to send it to as there are two online addresses.
    • Definitely go with requesting a copy of the agreement. A contract taken out 20 years ago you stand a good chance of them not being able to locate a copy. Normally when they say pass to their solicitors is just a normal thermogram in getting you to respond and means nothing until an official notice of claim ( letter before action) sent.
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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 
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    • 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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What Grants are available for starting a business?

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I should be very grateful if anyone could let me know what grants / funds are available for someone on JSA, who may now be in position to start a new business.


I have been signing on since last Summer, receive no benefit now, as such, and am only signing on for the National Insurance contributions.


I have been verbally advised that there are funds available, such as:


- The JobCentre will pay £50 per week for 16 weeks.

- They will pay for training/exams - although I have been told this is for very basic stuff, whereas I should like to know if it will cover quasi-'professional' exams/subsciptions.

- There are even funds available to help buy a suit.


It is very early days, but I have my first two jobs and am meeting a potential third next week. The hours are rather random and the fees are not enough, yet, to reply upon, but would be welcome pin money, as I am a full-time Dad looking after three young children. My wife works full-time and wishes to continue doing so, for now.


What happens in 16 weeks too, for if the new business works, it may be some time before I can rely upon the income anyway.


Will I be eligible for JSA again if it comes to nothing (as payment of JSA later seems unlikely)? Or do I sign back on for NI contributions only?


I am receiving conflicting information and am going to see the JobCentre next week, but forewarned is forearmed :-) Also, I fully appreciate that questions may raise further questions, but any help and guidance will be much appreciated.

As for me, happy to help out. I am not a Landlord, but I have been in the past. I am not an Agent, but I have been in the past. I am, therefore, a has been, so always seek independent and suitably qualified advice elsewhere before relying upon whatever has been posted here :-)

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Many thanks for replying so quickly. I have had a quick look and will look in more detail once the kids are in bed!


In addition to what I may read later, my questions, I suppose, are :


a) what can the JobCentre offer, if anything, by way of 'back to work' assistance?


b) what happens at the end of 16 weeks (after the possible payment of £50 per week for 16 weeks that was verbally mentioned by a member of JC staff) i.e. do I need to sign back on if the work that is coming through does not continue?


Typed at haste, but hope that makes some sense.


I would add that I was approached to undertake work and it has transpired that there is value in what I can do (which is nice to know, or, at least, have confirmed :-)) but it IS in it's very early stages. I have one Client already, who has passed me two jobs, with a possible second Client to see next week.


With 3 young children to help support I need to make the most of the opportunities that have arisen, without prejudicing NI contributions / any later entitlement to JSA / State Pension and so on.


May well edit this post later, as typed at haste, but hope it clear enough for now to receive further comment - for which thanks (again) in advance.

As for me, happy to help out. I am not a Landlord, but I have been in the past. I am not an Agent, but I have been in the past. I am, therefore, a has been, so always seek independent and suitably qualified advice elsewhere before relying upon whatever has been posted here :-)

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Hi I started a business 11 years ago ,made some bad mistakes but still here.

Contact business link there will be one in your area, they will have a specialist person who can help you.

Make sure you have cash flow if you are starting your business very important.

Make sure you have a solid business plan

Contact banks to get best possible business account, with no "Charges" you will find one

Make sure you check all advice given . "Do not take it has read if someone says thats what you do " Check check and then double check. People are all experts, Because it is not here money!

Think and plan were you want to be in week 1 week 2 month 1 month 2 year 1.

Set goals very important.

Trust no one very important

Be careful of Mr Nice ,friends of friends do your research these are the worst people manupulators be careful.

You are in business do your reasearch.

Hope this helps PM if you need any help.

Good luck take care

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Thanks for your reply, much appreciated


I suppose my focus in posting these messages has been to not upset my dealings with the JobCentre too much


Reading your post, however, makes me realise that the JobCentre paperwork is probably not worth worrying about too much at present - ESPECIALLY as I got in this evening from seeing the "possible second Client to see next week" and it seems I may now have a further Client :)


Will think on what you have said and hope to post again when the hour is more reasonable


Thanks again for your reply though, much to think about, but much appreciated!

As for me, happy to help out. I am not a Landlord, but I have been in the past. I am not an Agent, but I have been in the past. I am, therefore, a has been, so always seek independent and suitably qualified advice elsewhere before relying upon whatever has been posted here :-)

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