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    • Growth was stronger than expected, but millions of households are yet to feel the benefit.View the full article
    • If we can establish that he is trading then you will be protected under the Consumer Rights Act 2015. If we can't establish that then he would have to be treated as a private seller. I know that on Facebook you have been advised that you have very few rights – but this is not true. Apart from anything else, it's an offence to sell a vehicle which is not in roadworthy condition and it sounds to me as if your vehicle is not in roadworthy condition although we may will have to get an independent inspection. I understand that you had a mechanic give it a pre-MOT cheque. Was that before or after it was purchased? A few problems here – first of all, the van was very cheap. This doesn't reduce your rights anyway but what it does mean is that it may be less worthwhile taking an action that we will have to work that out later. Secondly, you bought the van from a dealer about 130 miles away. This means that if it has to be returned, there is a 130 mile trip to get it there and then you have to come back. Although it's a bit late for you, please follow the link to our used car guide and see what we say about protecting yourself when you buy used cars and in particular what's the little video towards the end of the thread. You won't feel good about it but you may as well learn something for the future and of course other people who visit this thread for that as well. Finally, if we end up having you bring a claim against him in the County Court, I have no doubt but that you will win but enforcement could be tricky. I think the first thing to do is to consult the land registry web search service and find out if he owns the property that is trading from. If he does then at least you have identified an asset and enforcement will be much easier. You can access the land registry website here Summary of freehI think it will cost you about 3 pounds.old - Search for land and property information SEARCH-PROPERTY-INFORMATION.SERVICE.GOV.UK I think it will cost you about £3 or so. Make sure you use the website link I have given you above. It is a government one. There are lots of private websites which look as if they are government and they charge you a lot more money for giving you exactly the same information.
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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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Advice please regarding CTC


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Hi, I have recieved letter from CSSG in Belfast(confused as I live in UK) saing that they checked my award for 2009-2010 and income they have is £22145 not £18145 as I have declared.I have responded to them saing that I have done wrong,by putting incorrect info in my husband's income details,and I want our award to be amended asap as we want to pay back overpayment it caused.I have also rang them informing that our childcare stopped from 1st of march (i couldn't change it through normal helpline) Today I received letter saing to complete this check they need to deal with the finalisation of our tax award for 2010-2011 which means we have to wait until end of june.!Any advise please

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Don't know what CSSG is and Belfast is in the U.K. However what you are told is correct as when an award is unfinalised no decision can be made until a person responds to their annual declaration or if there is no response by the deadline payments cease. If 2009/10 is amended it will have a knock on effect to 2010/11 so 2010/11 has to be finalised also as part of 2009/10. Can you not get your P60s before June ?-if not the amendment cannot be made under law until 2010/11 can be finalised. If you are concerned about the current year I believe you can ask for the current year to be amended to reduce any overpayment but you will have to check this can be allowed.

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  • 2 weeks later...

Hi James,

 

When you say 'no decision can be made', do you mean the decision to charge a penalty, or prosecute... or are you just referring to making a decision about the actual amount to be paid back.

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  • 2 months later...

Hi, i earn around £320 per week between 4 jobs and i pay income tax but i don't pay national insurance

it's really strange as i know if you earn more than£139 p/w you should pay class 1 national insurance contributions . Should I ring NI office or contact my employers?

Thank you

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If you have more than one job with different employers, you must pay national insurance contributions on each employment where your earnings are above a certain limit. If you have more than one low-paid job, you may not have to pay national insurance contributions at all. This is because the earnings from each job will be treated separately and, if they are each below the limit, you will not have to pay any national insurance.

 

I found this in the following link.

http://www.adviceguide.org.uk/index/your_money/benefits/national_insurance_contributions_and_benefits.htm

So if all of your jobs pay below the wage where you become liable to pay NI contributions you do not pay any NI.

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In order to qualify for a state retirment pension you will need to have paid national insurance contributions. This link gives information about the number of years you need to have worked to qualify.

http://www.direct.gov.uk/en/Pensionsandretirementplanning/StatePension/Basicstatepension/DG_10014671

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You could also ring the NI Helpline:

 

Telephone National Insurance enquiries

For enquiries relating to:

- Class 1 National Insurance rates and thresholds

- Statutory Payments

- Age exception certificates (form CA4140)

- Home Responsibilities Protection criteria / Parents and Carers Credits

- Married Women's Reduced Rate Election

- National Insurance statement requests

- Class 3 National Insurance enquiries

 

The helpline cannot provide customers with State Pension forecasts. State Pension forecast - learn more on Directgov web site by following the State Pension forecast link below.

Opening hours

8.00 am to 5.00 pm, Monday to Friday

Closed weekends and bank holidays

0845 302 1479

For customers who are deaf or hearing or speech impaired:

0845 915 3296 (Textphone)

 

They should be able to tell you how many qualifying years you have paid, and I would expect them to be able to give you advice on topping up your NI contributions if necessary :)

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