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    • Anything they are invoiced for by Dido, Serco and other beneficiaries of the Johncock largesse might be dodgy
    • Hi, anything to update prior to submission? Regarding MCOL - I'm still unable to post anything via this website so i I will have to email and post hard-copy
    • If they are charging the UK taxpayer for 240-300,000 tests a day and paying serco for capacity that isnt there Surely its fraud
    • Hi I am after some help and advice regarding issues faced with Advantage Finance   Ive dealt with it on my own up to now, but now feel im being fobbed off   I purchased a caravan last august on finance and had nothing but trouble with it from the off minor things - heating not working, hot water not working, toilet not flushing   Messaged the seller who just ignored my concerns basically so I had to pay another caravan engineer to look at the caravan to fix said issues   Upon the inspection the engineer found extreme damp in the frame and floor of caravan as well as the other issues mentioned above although this  could not be seen by the eye.   I immediately called the finance company and the seller to inform of findings and paid the £700 bill to fix the other issues. The engineer said the caravan was sold dangerously and not set up correctly. Hence why things never worked for us. We had only been out in it three times at this point due to work and family commitments.   Seller and finance company stated I had to pay for another independent inspection to go in depth with the findings at another cost of £75. I done this and provided both of them the report which shown even more damp than first anticipated to different areas of the van over 90%.   Finance company agreed to then send out there independent inspector who found exactly the same faults and drew up a report to send back. Finance company then offered seller chance to repair. Seller received caravan back from us and only took blame for the front part of the van and stated they could not find anything wrong with the rest. Finance company stated for them to fix the areas they take responsibility for.   Caravan was fixed and returned to us but I was still not happy as they didn't fix all areas, Finance company  agreed to send out another inspector to look.   Inspector stated the fix was not sufficient and not waterproof and basically a bodge job which I was fully aware of and stated the caravan now needs to be rejected due to the seller having a chance to repair and it not being sufficient. I thought ok great finally, Im winning. Caravan was collected last week and I then sent an email to the finance company thanking them for the rejection and that I would look forward to receiving my payments made over the last year towards the caravan, repair costs, compensation for lost holidays etc   They have replied that I am not entitled to anything and the £5000 in payments they have had from me will go towards the usage of the van, Research I had done up until this point all stated I would receive money back due to van not being fit for purpose? So i am very shocked and annoyed I have paid all that money and I am not entitled to anything back. I have tried to be basic here in what has went on so forgive me if It does not make sense. Any help or advice greatly receievd on next steps    I have told the finance company I am not happy to have lost all that money here is there responses Thank you for sending over the information regarding the caravan being collected and taken back to Newark Auctions.  We will now start the process of removing you from the existing credit agreement and will notify the relevant credit agencies to remove our entry from your file. This therefore removes any responsibility you have regarding this agreement. In terms of any refunds owed to you we have reviewed the account and there are no payments that need to be refunded. There were no payments made whilst the complaint was open and the payments made prior to the complaint being raised will be retained for usage. Whilst you advised us that you have not used the caravan, this was your choice and the caravan was available for use and in your possession since the start of the hire purchase agreement, it is reasonable that the payments that would have been due during that period are retained.  As a suitable resolution is in place we will now close the complaint.   I replied with -  Please do not close the complaint down I am not happy to pay for something that was not fit for purpose I will still be liaising with the financial ombudsman to seek out my refund. I also hold legal cover with my house insurance so I will commence court proceedings in regards to this complaint could you please forward me any relevant paperwork needed to inform you of this or if indeed this email is sufficient. I do thank you for rejecting the caravan on our behalf but do not see how I am not entitled to my refund. I was not Aware it had damp until I paid for service. Your inspector stated the damp was there at point of sale meaning it was not fit for purpose so how can you say I happily used it   They have just then replied with this Thank you for your email, However we must advise that based on the information provided we will consider the matter closed as soon as the caravan is confirmed on site at Newark Auction. A final response will be posted to you that will contain all the details of where the complaint can be referred to if you disagree. Kind Regards        
    • Its just that Dido can't add up,  She is to the Lords what Diane Abbott is to the Commons.
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
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       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
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I need help i paid a holding deposit of £620 on Friday ,then on Monday morning due to exceptional circumstance told the landlord i no longer could take the property,she is refusing to give me back my £620 and threatening to have me arrested for harrasment if I go to her house and ask for it,she will not speak to me on the phone just hangs up,where do i go from here ,there was no contract signed but i hvae a reciept for the money.I need the money back urgently as my dad lent it to me

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By the sounds of it...you are perfectly entitled to your money back assuming you've not willingly relinquished your rights by signing anything that would indicate the deposit is non refundable. Got this info off another site

Holding Deposit


A holding deposit is paid by a prospective tenant so that a property can be removed from the market while references are taken up. A holding deposit is generally non-refundable if you change your mind about taking a property or if your references fall short. It will be refunded if the Landlord changes their mind about letting the property.

This is an important point to remember. If a Landlord changes their mind before a tenancy is signed all they are required to do is refund the holding deposit; scant compensation for a group of students with nowhere to live at the start of term. This situation can arise when some of the group are away on holiday over the summer or live some distance away and the signing of the Tenancy Agreement is left until the day that they all meet up to move in.

small.JPGEven if it has to be done through the post try and get the Tenancy Agreement signed as soon as possible.


Different landlords have different interpretations of the word "retainer". The most common form of retainer is a non-refundable sum of money, calculated as a percentage of the rent, paid by a prospective tenant to a Landlord to hold a property for them over the summer months leading up to the start of the academic year. Retainers are generally only used with student accommodation.

The retainer period forms part of the contract even though you are probably not going to want to occupy the property during this period. The quid pro quo to the Landlord is that he has access to carry out certain maintenance works to the property during the retainer period. The normal retainer payment is 50% of a calendar months rent.

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Hi Lucas


I would send her a letter, send it recorded. Keep all communication in writing. Amend the letter as you see fit.


Dear Landlord


Re: Flat 1A, My Old Street, Mytown


I am writing to ask you to return my deposit of £650 that I paid to you on xxxxxxxx. I was hoping to move into the above property, on xx/xx/xx,

but due to exceptional circumstances beyond my control and the fact that no tenancy agreement has been entered into I request a full refund within 14 days.


I enclose a copy of my receipt for the deposit. Please will you confirm in writing, the reasons why my deposit is being kept.


I look forward to receiving a response from you within 14 days of the date on this letter. If you fail to respond within 14 days I will have no choice but

to start legal proceedings against you to recover my deposit, plus interest and court costs.


Yours sincerely,


A. Tenant

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Landlord is entitled to their actual financial loss.


Suspect this is zero in this case.


I would add to the above letter "I would like to remind you that you are only entitled to your actual financial loss due to this breach, so please quantify any such losses."

7 years in retail customer service


Expertise in letting and rental law for 6 years


By trade - I'm an IT engineer working in the housing sector.


Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.


Please click the star if I have helped!!

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