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    • If you are buying a used car – you need to read this survival guide.
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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.

      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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Benefits being stopped and massive bill


caro
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Very kind of you nys. I just don't like people being treated unfairly, especially when they're vulnerable and its through no fault of their own.

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Tribunal yesterday. Very quick. The independent lawyer who heard it said she had read the papers, asked a couple of questions including if the DLA application gad been successful and at what rate.

 

She then said it was quite clear that the money had been Mandy's mums until the day she died so there was no overpayment for the first two and a half years!!!!!

 

I couldn't believe we scarcely had to say a word!!!!

 

She said the rest had to be paid back - about 14 months worth as it was a legal requirement to report it. By this time Mandy, mr c and I were grinning all over our faces. She asked if we had anything to ask and because I was so gobsmacked I wasn't thinking straight and asked about the council tax then immediately realised this was just about the DWP but she was lovely about it and suggested using the appeal decision to support that too.

 

I completely forgot all the things I'd planned to say and could maybe have pushed about the rest but my arguments were thin and she'd already said it couldn't be offset against DLA that hadn't been claimed.

 

Mandy is over the moon about the result and that this is all behind her. We haven't got the final figures yet but I reckon the bill should be about £10k less.

 

Now to decide whether we can get back some of that council tax that Mandy paid in a blind panic when court was mentioned.

Edited by caro
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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks nys. We're very chuffed'

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks LG. Although I felt we had a good case we hear of so many bad decisions on CAG that I wasn't sure that everyone had the same sense of fairness as me, so this has restored my faith and confirmed it's worth standing up for what you believe in. I'm really glad I tried.

 

Besides Mandy's invited us for a meal out with her wherever we want to go and she'll be treating us. :-D

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 4 weeks later...

Mandy broke her leg in 2 places yesterday and is to have an operation to pin it tomorrow. She can't put weight on it for 6 weeks. This is going to have a big impact on her care needs and mobility. Looks like social services will be assessing her and there will need to be support in place before she can leave hospital. Two questions.

 

1. Are her benefits affected while in hospital?

 

2. Can she apply for any higher benefits until her leg is better?

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Found the answer to question 1. DLA isn't affected if in hospital for less than 4 weeks.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 month later...

Just thought I'd give an update on Mandy's progress.

 

Following her op Mandy was unable to cope with crutches and an OT decided it wasn't feasible for her to be at home. She's got a kind of frame with elbow rests but wouldn't be able to manage. She was in hospital until about a week ago when she was moved to a home which until recently was owned by the MS Society. In not really sure what the plans are for it now, but it's better than hospital.

 

Regarding the IS overpayment a letter came asking her to advising how much Mandy needs to pay back. It's a little over £6k instead of nearly £16k. Rather strangely it didn't explain how to pay. I phoned to find out fully expecting that the full amount would have to be repaid in one go but before I could discuss this was told £24.13 a week would be stopped out of Mandy's dla. I worked out it'll be paid back in 5 years.

 

I've also written to the council asking for the council tax back that Mandy paid for the period that it was decided she was entitled to IS. I sent a copy of the tribunal decision. Waiting to hear back on that.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I wasn't aware of that but as Mandy has no other income because of her capital I guess the only other option would be for her to pay it off ..........

 

As she has to live off that, if it goes below the threshold before the money's paid back then we'd have to renegotiate.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks for the info. I'll take a look, but if someone has no other income do they have other options?

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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If she paid off the £6k she'd still be over the savings limit. DLA is her only income though so in time that will inevitably change.

 

TBH if paying it would take her savings below the limit I'd advise her to pay it and then claim IS and CT benefit again. Paying out of benefits seems quite a good option in this case.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 month later...

Had a phone call from Mandy. Council are going to repay the overpaid CT.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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