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    • Same issues as - also spent ££ to have mechanical failures fixed will have a read
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    • Hi,     I'm in the process of voluntary termination of my moneybarn agreement, in accordance with secion 99(1) of the Consumer Credit Act 1974. I have returned the vehicle, it was collected by a 3rd party on behalf of MB, in driveable condition with fear wear and tear condition.  Their report states that the condition was "Average" (The options were Good, Average and Poor). I have paid more than 50% and recently, before starting the VT process spent £700 to make sure car is roadworthy (gearbox repairs). I am £880 over the 50% mark. Today I've received final billing letter estimating body repairs at over £1,300 (the bodywork is fine - peeling lacquer and alloy wheels would need refurb though). I've purchased the car at 7 years old with over 80k miles, through National Car Credit (pretty sure I've seen another topic on here about them). The car is now more than 10 years old, and I did take pictures + videos of the car before it was collected.   Now. I've had a payment holiday through April and May (which I don't dispute and will willingly cover the amount that they're asking for this payment holiday term) But however I'm not okay with covering the bodywork repairs for a car that is over 10 years old and wasn't excellent condition the day I've purchased it. It came with no service history book and only one key (on my own expense I've purchased another one and had it programmed)   No arrears on the account, no missed payments (just 2 month agreed payment holiday - between myself and MB) which I'm okay to cover. Given the car back in drive-able condition (it was very noisy the week before it was collected, hence why I've spent money on repairs) half of tank of petrol, kept tax up to the day it was collected.   Advice would be appreciated, thank you.   dx: I can't pm you as I haven't got enough posts on here, but if you'd like more details and see what has been sent and see the responses please PM me.     Thanks.
    • I am not a lawyer but I definitely think you are correct.   You will need evidence that Fast Track was not available on your way out - "Unknown reasons" sounds ominous. Do you have pictures/videos/written records to prove it?   Ryanair website states they are not responsible for you missing your flight as a result of fast track, but it doesn't say anything about not being responsible for the product they sold you not being available. Have you tried asking for a refund already?   Either way they sold you something that they did not provide - I don't see how this can be legal - and hopefully you should be able to prove it. Get written evidence that they refused to refund you (if you don't have it already) and take it straight to your card provider. (by many accounts it seems pointless to try and negotiate with Ryanair)
    • Hello everyone, recently I ordered 4 birds, 2 canaries and 2 lovebirds from a pet shop in Nottingham. When I received the birds, one of the canaries looked scruffy and had a bald spot on its back. when I asked the owner if this was normal he stated that “it is a baby and will be normal in a week” so I waited a week and I discovered it was sneezing throughout the night. I then decided to check their weight and the scruffy one was only 15 grams while the other was 26 grams. While weighing them I discovered they were covered in blood mites (small bugs that feed on blood) so I contacted him and he said I could return them but I’m unable to drive an hour to his shop so I offered to pay another delivery fee fr him to pick it up but he was ignoring me so I decided to try to treat them and bought many medicines and I cured their mute problem but now all 4 birds are sneezing, I’ve had many birds before and I’ve never had these problems so I asked him if he couldn’t please come pick them up but he kept reading my messages and ignoring me then when I called him he blocked my number so I messaged him on my other number laws showing te sale of an ill animal is prohibited and sent him proof of his false advertising (saying they were “excellent healthy birds”) proof fm their illness and he blocks me again. I feel scammed and according to the law he I is obligated to refund me for the birds and any medical expenses but I don’t know know where to report him or what to do about it. Any suggestions would  be greatly appreciated. Thank you 
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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.
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      Thanks for reading 
      • 16 replies
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Not sure if this is the correct forum, but a quick question

 

I taxed my car today on line late afternoon, all went through ok, got cornfirmation on Direct gov sight and an email.

 

Question, I obviously have to wait for the tax disc to appear ( and this is usually quite quick) but will the fact that I have applied on line show on a ANPR and technically I am not "displaying" a valid tax disc?

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A similar question was asked in another thread:

 

Yes

 

http://www.taxdisc.direct.gov.uk/Evl...ons#QUESTION_9

 

I have not received the tax disc. Can I use the vehicle without the tax disc displayed?

 

When you apply for a tax disc online or by using our phone service you are able to legally continue to drive your vehicle for up to 5 days after the tax disc has expired while you wait for the new tax disc to arrive. This will only apply when you have applied for a new tax disc before the current one expires. You should continue to display the expired disc on your vehicle, until the new one arrives.

 

Personally, I think I would print out the confirmation reference number that you will have been given when you paid on-line and keep it in the car tomorrow, just on the off chance the police happen to stop you.

 

Bear in mind the part I have made bold - if your tax had already expired before you purchased your new disc, this will not apply.


Warning: Freemen of the Land Operate here. Think twice before accepting 'legal advice'.

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From the ask the police website

 

If you choose to drive your vehicle on a road without displaying a valid tax disc then you commit an offence and risk getting fined.

However there is an exemption for the first 5 working days of the month from displaying a valid tax disc. The exemption will only apply in the month when the tax disc commences and where an application for a new tax disc has been made before the old one expires. Drivers should continue to display the previous tax disc until the new one arrives. After 5 days the offence will be committed if the new tax disc is not displayed

Purchasing a tax disc on line can take up to 5 days so make sure you do it in plenty of time.


MBNA - Agreed to refund £970 in full without conditions. Cheque received Sat 5th Aug.:D

Lloyds - Settled for an undisclosed sum.:D

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Ok Thanks

Tax expired 30 Sept and renewed 01 Oct on line as Post Office shut by the time I finished work, so I obviously couldnt actually get a disc today. My interpretation is that I have taxed my car on the day and I am trusting that the disc will appear within the quoted time, but my original question was will an ANPR have the information that a tax has been paid via the system?

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Ah, well in this case I don't think the exemption will apply to you.

 

Your old tax disc expired at midnight. The info in the above posts state that the 5 day exemption will only apply when the disc is applied before the old one runs out.

 

As for the ANPR issue - I am not sure on that. I would imagine that they will have the information about who has paid for the disc - so you should be safe from ANPR cameras. What you want to look out for are humans! They will see the expired disc and it will be up to you to try and talk your self out of trouble...

 

Hopefully someone will come along who knows about the ANPR issue.


Warning: Freemen of the Land Operate here. Think twice before accepting 'legal advice'.

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I doubt ANPR is that acurate to either know instantly that a tax disk has expired and/or a new one not purchased.

 

As for the expiring at midnight problem, I think I would still go for keeping the old one in the car and a copy of the confirmation that teh new one has been paid for.

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Which is what I shall do, I take the point about midnight, but by the same token, I could have driven to the PO at say 0900 on 1st and physically obtianed a disc, but then technically for the period until putting up new disc I was "untaxed" As you say, Human intervention ie stroppy copper lol

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