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    • Done! Thanks again. Will update the thread accordingly.
    • Thank you for your message.  I'm concerned that by complaining to the IPC, and escalating the situation, PCM would be even more inclined to cause problems for me and take action to the fullest extent just to make an example of me.  I can still take the above action as a backup plan if PCM decides to go ahead.
    • Mr BankFodder you are a top man.   I just received email below and finally they accepted fully refund   Good Afternoon,   Thank you for your recent email.   We are sorry to hear of your recent troubles, we would be happy to accept rejection of the vehicle.   The amount of the refund to yourself will be £7,099, this alongside settlement of the finance agreement will be paid in full and final settlement.    By accepting this refund you are confirming that no further claims shall be brought against Big Motoring World or any of its associates in respect of this matter.   In order to proceed with the refund we require the following from yourself:   - Your bank details (Account holders name – this must match the invoice name, sort code and account number)   The bank details can be provided via email.   The refund will be processed within 14 days.  
    • How do I transfer my number plate V750? Transfer by post Check the expiry date on your V750 or V778 to make sure it is still valid. Ensure that the registered keeper for the receiving vehicle matches the Grantee or Nominee name on the certificate. Complete relevant sections of your V750 or V778 document and sign it where instructed. https://www.gov.uk/personalised-vehicle-registration-numbers/renew-private-number-certificate  
    • i know...the anpr camera mustve triggered the computer to send out a parking charge as it probably detected no parking ticket paid. disgusting way of trying to extort money
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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.

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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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Incapacity claim stopped......now messed about by everyone else....please help

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Really hope someone can help me, i have been claiming I.B. since August 2008 due to mental health, I suffer from severe depression, panic attacks, nightmares, severe anxiety, suicidal thoughts and actions.

All this stems from years of physical, emotional and sexual abuse by a now ex partner. I am on several medications to combat all of this, but unfortunately nothing makes it better or makes it go away even for a minute!


I recently went for a pca which shortly after found i had been failed on, reading the reasons on the form shocked me, and the person who came with me (as i cannot go out alone)! I had not been asked 99% of the questions on the form. And also in the process of this medical the doctor (and i use this word lightly) told me "you should have been able to stop all this abuse if your partner was smaller than you" and "you should be fine if your no longer with that person"!!

This caused me severe distress and upset as you can imagine!!


So now my I.B. has been stopped i have an appeal going in.......while this is going ahead i was advised to claim E.S.A (i thought these were the same thing), however i have now been told i will need to go for another assesment and in the meantime i am not entitled to any form of payment due failing my pca??

So i then called income support to see if they can help......and was swiftly told that i could not claim that because it was already included in my esa claim....confused??? so am i!!!!


I am not able to get a crisis loan due to them saying im at my limit which i dont agree with so am now also having to fight that also.


I have had absolutely no money for 5 weeks now, my landlord is sending me final warning letters as my rent is not being paid, i just want someone to tell me what i can claim, where from and who to call and what to say to them....as i have explained my situation so many times and just got nowhere!! Well aside from the one guy at Incapacity saying "sorry but i think your only options are the citizens advice and the samaritans"!!


Please please can anyone help me??

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Hello and welcome to CAG. Yes I'm sure we can help you, you've come to the right place. Take a deep breath and we'll take you through this logically.


I would like some of our gurus to comment, but my understanding is that your IB should continue in some form while you're disputing the result of your PCA. If you've been moved to ESA, then that could be the reason you have another assessment, but I'm not sure if that's right or not. What forms have you filled in recently please?


Our gurus usually turn up in the evenings once they've finished work, but there could be other caggers around who'll be able to comment.


My best, HB

Illegitimi non carborundum




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I am not recieving any form of I.B and when i have spoke to them they have told me my I.B claim has been stopped pending my appeal! Which can take up to 6 months. I was not automatically put on E.S.A, i was told to claim this so did that over the phone and they sent me something to sign, not sure what the form was called, it just reitterated what i had said on the phone to the E.S.A department.


The appeal form for the I.B was not labelled with a number, it actually just seemed like a general appeal form, came in a grey booklet and i filled in 2 tear out pages and put another few pages with it with more explanation on it. All with my name and N.I number on them, which conveniently have now gone missing so am having to send them again.


I just dont understand how they expect me to live on absolutely nothing at all.

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You should not have to try and get ESA. You should get IB (Income Support) at a reduced rate when your appeal has been accepted up until the tribunal.


I did.



Benefits rules are complex, and although I do try to inform and support people, I may get it wrong because the rules apply to individual claimants and their particular circumstances.

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I have been told that i will not recieve anything at all though by several department now even my friend has had to ring up due to me not being able to put my points across without having panick attacks.


They have basically said i will only start recieving payment when my claim for esa has been done in about a months time or my IB is reinstated, which is anywhere up to 6 months away.

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Hi there, i think welfare rights should be able to sort this mess out for you, give them a ring first thing tomorrow.

Rbs £114 + contractual at 29.84% I won total=£125 no laughing it's a win

Don't moan about it DO SOMETHING ABOUT IT :D

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Your local council may have a welfare rights officer who can help. Otherwise, do you have a CPN (Community Psychiatric Nurse)? They can sometimes get you a welfare rights adviser from MIND who can help.


There are benefits you can claim- during my appeal after an Incapacity Benefit assessment went wrong (for me) I was able to claim Income Support until the appeal was heard. It wasn't much, but it kept me in beans and bread just.


If your landlord situation is causing you bother, perhaps get in touch with your local council housing department. My old one used to have a worker who tried to find ways to stop people in crisis situations like yours from losing their tenancy. Worth asking about.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells


Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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