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    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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disrepair in rented house.


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Hello every one, hope someone can help us! Moved into house end of march last year with partner, 6 yr old and 2 week old baby. First had problems with water coming in due to state of roof within the first week, moved in yo find damp and mould on walls in both kids rooms. Informed agent of this, 4 weeks later no response so took advice from Housing Renewal Officer who wrote to them saying must fix it. Builder turns up, unbeknownst to us at the time just went on roof, put some silicone in the holes. Anyway, summer comes, dry weather, no problems. By september all manner of problems with water coming in, saw builder end of november with a list of problems, both he and I signed and dated it,said work would start soon. In between all this were calls to the estate informing them of the problems. Rarely did we receive a call back. Mid december bathroom ceiling taken down due to rotten roof joists. Concrete tiles from roof fell through into bathroom about week later, again informed agent, nothing done. Builder eventually came back beginning of feb, took all roof tiles off, replaced most of the felt so had felt and batten since then, no tiles, builder only been back 3 days since, agent not interested, mould getting considerably worse, last weekend we were on roof pulling felt back over roof as had come detached in wind. Now have been given our notice despite having only taken this on as it was meant to be a long let! Also had to spend 3 weeks turning gas off at the mains outside house, despite calls to agent took this long to get someone in. There is more but I have rambled long enough, any advice would be appreciated!

 

Also we are awaiting visit from Housing Renewal Officer next week as surely we cannot be left with an inadequate roof, broken gutters. Just wanted the roof done, not to lose tenancy! makes my blood boil.

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  • 4 weeks later...

Hello everyone again. As an update to my earlier post this is where we are now...........Housing Renewal Officer came, was here a long time, lots needs doing in the house. We know this as last week an electrician came unexpectedly to fix a wall socket and left the HRO's report here, 32 separate breaches! I wrote an official letter of complaint to the letting agent last week,( not mentioning a thing about the report as not sure if we should have seen it.) I received a reply yesterday accusing us of blackmail! The letter the letting agent wrote ended like this - " It would appear from the last paragraph that you are trying to blackmail us and the LL into withdrawing the Notice of Possession."

My last paragraph that they refer to reads like this-" We feel that LL and yourselves should complete the repairs and reinstate our tenency. However, as you are aware we have already contacted our local MP and will have no hesitation in taking the matter further if no amicable agreement can be agreed." Our letter had also referred to a list (with photos) of belongings we had to get rid of due to the mould upstairs, they have not responded to any of the issues I have raised except to say that everything was done as quickly as possible! Still a year on, we are waiting for the flashing to be fixed, house is soaked! Surely it is dangerous ground to be chucking accusations of blackmail around? Obviously blackmail was never my intention. I would be grateful for any help and advice, thanks.

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They know they are in the wrong so are trying to scare you. You were simply stating the fact that if they don't remedy the situation you will have to take further steps. If you haven't done so already you should get some legal advice about whether you can make a claim against the landlord for compensation.

 

But if I were you I would look for somewhere else. The agent and the landlord have shown they don't care about the property or carrying out their obligations. I think you will continue to have problems with them.

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Thanks, we are going back to the Law Centre tomorrow, and viewing a new house midweek! Hopefully they can advise on the wording of my next letter,absolutely prepared to keep up the battle with the agent.

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And also, one more question, I haven't yet signed and returned our part of the notice of possession, merely an oversight more than anything else, are there any legal implications if I don't sign it?

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If the deposit is not protected they cannot ask you leave under a section 21 order! If rent up to date, suggest you dont pay anymore as you are moving anyway.

I think you have a good defence that the property is poorly maintained and would be justified in leaving.

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Please read the FAQ concerning disrepair in private rented accomodation -

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?74057-Disrepairs-in-privately-rented-accommodation

 

 

It is not a legal requirement for you to sign the section 21 notice, nor the county court summons / claim form. But you MUST complete and return the court's Defence form, if you are defending the eviction or need time to find new accommodation.

 

Until you are certain of obtaining new accommodation, you must be careful not to leave yourself homeless: an eviction notice will be with you very quickly under a section 21 eviction, once the two months notice has elapsed, and you may then find that you have to be out within 28 days.

 

If you paid a rent deposit to the landlord or his agent at the start of the tenancy, you probably won't get it back; so if the landlord is holding the equivalent of one month's rent your best tactic is to not pay the final month's rent, i.e. to let him take it out of the deposit.

Edited by Ed999
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  • 3 weeks later...

Hello again, quick update, we have moved out, hooray! Also been to Law Centre for advice, told us to go straight to ombudsman, says we have strong case. Lets see what the letting agent will throw at us this time, they are already disputing lots of the health and safety report, saying they believe we are responsible for alot of the breaches, although they have stopped short of telling us what they are..........Am more than ready to take them on, Law Centre said be prepared for more scare tactics, but only because they know they are in the wrong. Thanks to eveyone for the advice, sometimes nice just to know you are doing the right thing.No doubt will be back soon for more help!

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  • 2 weeks later...

Hello again, a quick question, we paid the estate agent our deposit in cash, This was put into the TDS scheme, but they have recently sent us a cheque for the deposit minus a small amount for damage to a step. However, there is no mention of this dispute on the TDS website, so, do they have to raise a dispute through them or is just sending a letter to us ok? We can categorically prove that the damage was down to shoddy work ( paving slab laid over an empty hole), not the quad bike being taken up the steps, it is far too wide and didn't fit. What should we do? Any advice would be greatly appreciated.

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I think it is up to you to raise a dispute with TDS if you can't resolve it with agent. TDS is an insurance scheme where agent or landlord holds the money. They don't have to do anything to make a deduction. You are the one who has to do something to raise a dispute.

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  • 2 months later...

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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