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    • Its okay - It happens. And this is why DCAs  user every trick in the book to try and make you crack.  Now its time to come back.    Im not sure how to proceed if Im honest if they have issued a Letter Of Claim.  Only as You could complain to Oakbrook and they still proceed with Legal Proceedings, but I dont know if that would help or hinder the legal proceedings if they began down that avenue.  I know a FOS complaint wouldnt stop Legal Action and probably run along side it.  But I guess a judge would view a disputed balance with the original creditor as cause for concern whether the DCA's claim is valid?    A bit of a muddle.     
    • That is superb. To answer your question - Dear Mr Dhaliwal Change the sentence - As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us ... To - As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us contrary to the Equality Act 2010. Iceland have always been useless, not only in your case but in others, but I think if they realise they are breaking the law it will encourage them to act. I also think the letter is overlong and you could lose the paragraph - I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge - as the main points are made elsewhere.  
    • Hands up in the fact that i have probably F***** *P!!
    • Car Finance Awards celebrates best of the industryView the full article
    • I want to add my 2 cents here...  The purchase of this debt, Perch Group dont absolve themselves of liabilities from the Original Creditor. They should be responsible for dealing with this complaint in response to an Irresponsible Lending dispute.  If the balance is disputed as such in that way - Then they should be referring to the Original Creditor where applicable.    Also if your complaint was written in a way where a template wasnt used or it was rewritten to a similar effect where it wasnt recognisable - Then you probably would have stood a better opportunity at it not getting rebuffed.  To be honest those - Perch and TM Legal are a waste of Oxygen and will say anything to get you to pay.    Ditto on the template. Where did you find it?  Please keep in mind we have to unravel what you have done till now and help build a formal response.     
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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.

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Power wheelchair dilema


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This is really more of an opinion/advice type question. Not for me, but a neighbour who asked my opinion and I would appreciate anyone elses opinion.

 

My neighbour has chronic arthritis in her back. She can walk with a walking stick/sticks and sometimes crutches when it is really bad. She is on DLA higher rate for mobility and has a blue badge etc. Her dilema is that she cannot walk for long before she is in real problems with pain, so although she can walk for maybe 15 minutes at a slow pace, after that she needs assistance to get to her car.

 

She is considering buying a power wheelchair to help her get around better when shopping etc. She wants a powerchair because she will be allowed in most shops (Tesco's and the like) with it, whereas as a mobility scooter would not be generally allowed inside shops.

 

Her dilema is that she says she feels like a 'fraud' by using one as she can actually walk and doesn't want people judging her when she gets to her car and then steps out of the chair. In her words 'like that bald bloke on Little Britain'.

 

I have implied that she needs the chair and many people in them can walk to some degree, although many cannot. Can anyone prop me up here morally? Am I right? I think she should get one as I have seen how much she can struggle after a short walk. We are talking about Jazzy 1120 type chair.

 

ANY thoughts very gratefully received.

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This is really more of an opinion/advice type question. Not for me, but a neighbour who asked my opinion and I would appreciate anyone elses opinion.

 

My neighbour has chronic arthritis in her back. She can walk with a walking stick/sticks and sometimes crutches when it is really bad. She is on DLA higher rate for mobility and has a blue badge etc. Her dilema is that she cannot walk for long before she is in real problems with pain, so although she can walk for maybe 15 minutes at a slow pace, after that she needs assistance to get to her car.

 

She is considering buying a power wheelchair to help her get around better when shopping etc. She wants a powerchair because she will be allowed in most shops (Tesco's and the like) with it, whereas as a mobility scooter would not be generally allowed inside shops.

 

Her dilema is that she says she feels like a 'fraud' by using one as she can actually walk and doesn't want people judging her when she gets to her car and then steps out of the chair. In her words 'like that bald bloke on Little Britain'.

 

I have implied that she needs the chair and many people in them can walk to some degree, although many cannot. Can anyone prop me up here morally? Am I right? I think she should get one as I have seen how much she can struggle after a short walk. We are talking about Jazzy 1120 type chair.

 

ANY thoughts very gratefully received.

I'm have the same problem has your neighbour chronic arthritis in my lower back much the same with walking some days I can walk for 5 t 10 minutes I have a wheelchair which my wife pushes me round in, but about a 6 weeks ago I got a mobility scooter witch takes apart and goes in the back of my car.I to felt like 'fraud' but found people to caught up in there own little worlds to bother or very understanding and offer to help me with the scooter in to the car.Do not be put of by what others might think my scooter has given me so much independence.

PS I have not found any shops that will not allow me in,in fact it may be illegal to do so.

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Thanks you both. I had this conversation with her. Generally shops that have wheelchair access will allow powerchairs in as they are motorised wheelchairs. Many will allow mobility scooters, but many will not.

 

On a point of law, there is no legal right to use a wheelchair in any shop. Shops do have a legal obligation to accommodate wheelchair users, but that may not always be feasible to have actual access, so having a member of staff bring the goods out is just as acceptable in law.

 

I have been with her today to see a few machines. I had no idea the choice was so vast and complex. She has been swayed into trying a lightweight take-apart type mobility scooter. All round better for her, and she can just about pick up the heaviest pieces to put in her car.

 

I will update once we know how she gets on.

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  • 2 weeks later...
Thanks you both. I had this conversation with her. Generally shops that have wheelchair access will allow powerchairs in as they are motorised wheelchairs. Many will allow mobility scooters, but many will not.

 

On a point of law, there is no legal right to use a wheelchair in any shop. Shops do have a legal obligation to accommodate wheelchair users, but that may not always be feasible to have actual access, so having a member of staff bring the goods out is just as acceptable in law.

 

I have been with her today to see a few machines. I had no idea the choice was so vast and complex. She has been swayed into trying a lightweight take-apart type mobility scooter. All round better for her, and she can just about pick up the heaviest pieces to put in her car.

 

I will update once we know how she gets on.

 

This may be of help with regard to the laws concerning disabled rights to services etc

 

http://www.adviceguide.org.uk/index/your_rights/civil_rights/disability_discrimination.htm#access_to_services

Life is like an echo, it all returns......The good, the bad, the false, the true......So if you give life the best you have, the best will come back to you.

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