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    • We need to see the actual document from the IAS where it is written - "The Operator's evidence shows no payment for the Appellant's vehicle, or anything similar. It does show two payments for the same registration in quick succession. I would take a reasonable guess, based on the circumstances described, that the person paying has paid for the registration of the person they assisted again." You can't just type it up yourself. At the hearing in July or August or whenever the judge will have two Witness Statements. One from Bank's director says you never made a second appeal. You say you did make a second appeal and the IAS concluded that payment was made. The judge will immediately twig that either you or the director is lying.  But who? Fail to show the documentation form the IAS and instead just produce something you've typed yourself will make it look like you just made up the appeal and you are lying and you will lose the case. Please let us see what the IAS adjudicator sent.
    • I used to have a retail outlet in London selling my husband's photography.  We also had a co-op with staff so they weren't directly employed by me, but I paid for the other overheads etc.  When my husband died, I carried on as usual for a while but then I became ill and moved quite far away so logistically was becoming very difficult.  I came to an arrangement (verbal) with one of the guys I trusted, that I would send him the images to print and sell as normal, and I wouldn't take any money, as a short term solution until I got back on my feet and worked out the best way to do things. He would pay all the  rent, insurance etc... Over a year later, not able to give things away for free anymore,  I drew up a contract as a wholesale agreement, so I would get everything printed and sent to him and I would invoice his for what he ordered. I noticed form the beginning that he wasn't ordering enough or frequently enough to be making any money, and was suspicious he was doing his own orders on the sly and ordering just enough from me to keep my happy.  I checked with my printer, which I've been with for 20 years, and he sad he wasn't getting orders for my images from anyone else. I emailed a few other printers to ask them to keep a look out for some images but I soon realised this would be impossible to police.  The only option really would be to buy a print from him and check the stamp on the back of it.  I finally managed to get hold of on the prints on sale, and sure enough, he did not order it through me.   In the contract he signed in 2022 it explicitly states that he must destroy all files I had previously sent him etc etc so e is in breach of that.  When I drew up the contract, I was careful to make sure it was legally binding, but before I let rip at him, I need to know where I stand.  The contract is here: PARTIES This WHOLESALE AGREEMENT (“Agreement”) is made effective as of 30th June, 2022, by and between ############################## The Supplier and the Client, collectively referred to as the "Parties," hereby agree to the following terms: TERMS AND CONDITIONS SALES OF GOODS The Supplier agrees to provide the following goods to the Client (“Goods”): Description of Goods ################################# Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b BOTH PARTIES AGREE: The Client purchases the Goods through the Supplier directly, and agrees to delete/destroy any previously held digital images (Goods) owned by the Supplier, and agrees not to use any such files for monetary gain, outside of this agreement, either directly or through a third party from immediate effect of this agreement. The Client purchases the other materials necessary for resale of the Goods independently of this agreement. The Client shall have exclusive rights for resale of Goods at ###########, and also with permission, as a retailer of the Goods elsewhere, provided that there is no conflict of interest between the Supplier and the Client. The Client is free to decide their own retail prices, for the Goods. The Supplier shall use #####  to provide the printed Goods on Fujifilm Crystal Archive paper, with Lustre finish, and will not use any other Printer unless #### cease to trade, without prior approval from the Client. The Supplier shall not impose restrictions on size or frequency of orders made by the Client. The prices provided by the Supplier shall not increase for a minimum of 3 years, unless the prices of the raw materials rise, in which case the client will be informed immediately. Any discounts/promotional prices of raw materials shall be passed on to the Client by the Supplier, and the invoice will show adjustments for this, as well as credit for return postage of any damaged goods. This agreement can be terminated by the Client without notice; the Supplier must give notice of no less than 90 days, unless the terms of the agreement are breached, in which case, the agreement can be terminated with immediate effect. PAYMENT Orders must be paid for upon receipt of invoice, via Bank transfer: ######### Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b DELIVERY AND INSPECTIONS All orders received by 12.00am (midnight) shall be processed by the Supplier the following working day and delivery of order shall arrive in accordance with the Royal Mail schedule, or DPD, should express delivery be requested. The Client shall be liable for the delivery charge which shall be added to the invoice. The Goods will be delivered to the address specified by the Client. The Client shall be provided with order tracking, and should any problems arise with the ordering system or the couriers (Royal Mail, DPD), the Client shall be informed without delay of any such issues. The Client will inspect the Goods and report any defects or damage to the Goods in transit as soon as possible upon receipt of Goods, and will retain damaged Goods for return to Supplier for refund/replacement. GENERAL PROVISIONS CONFIDENTIALITY The prices of the Goods and other information contained in this Agreement is confidential and will not be disclosed by either party unless with prior written consent of the other party. INDEMNIFICATION The Client indemnifies the Supplier from any claims, liabilities, and expenses made by any third party vendors or customers of the Client. GOVERNING LAW This Agreement will be governed by and construed in accordance with UK Law. ACCEPTANCE Both parties understand and accept the wholesale arrangement stipulated under this Agreement. Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b IN WITNESS WHEREOF, each of the Parties has executed this Wholesale Agreement as of the day and year set forth above.   Signed by us both electronically.   I haven't broached any of this yet, and I am looking for some advice about what action to take.  The main issue I've got is that he has still go those images.  If I terminate the contract, I will need to know that he no longer has those images and I can't think of a bulletproof way to do this. I'm thinking I might tell him I will continue with the contract but ask for a  sum in damages and say that if I find out he's still doing it down the line I will terminate the contract and sue him for damages. The damages side of things I'm not sure how it would work as he is self employed, and I'm positive he doesn't declare all of his earnings to HMRC, in order to find out how much I have lost, would the court demand to go through his tax self assessments?  I'm not sure how to proceed with this, I don't want to lose that place as an outlet as it is in a prime spot in London, which is why I let him have those images in the first place as I would have had to pull out altogether at that point.  I am regretting it somewhat now though.  Please help.
    • I cannot locate anything in my paper work that states 2 payments were made? Perhaps you could point this out? In reply from IAS it states "The ticketing data has been attached" nothing was sent to me. I made a response to the IAS all this was done online
    • Thanks again for your responses. The concern I have here, is that freeholder of the land (a company, who presumably would have been the ones to have initially instructed PPM to manage the parking here), will have proof of exactly how long the vehicle was on site for, as the driver was meeting operatives from that company on a separate matter. On this basis, if the matter was to get to court, I feel all the other technicalities about signage, size of signage/font, lack of start/finish times, will not be enough to have any case dropped? This PCN was brought up to the freeholder but they have advised that PPM will not waive this charge. 
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Stagecoach Busses Open Complaint **RESOLVED**


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Below is a complaint made to stage coach busses they have been warned its up here so lets see the responces

 

I have recently been approached by a couple (Miss T XXXXXXXX & Mr XXXXXXXXX) who have made a complaint about your service; they are dissatisfied with the reply and wish me to continue this complaint on their behalf

 

On several occasions now they have been asked to leave the bus to allow someone in a wheel chair to board, they have been chosen out as they are unable to fold their pushchair, I would have to state that I also personally disprove of this, although you are required by law to make provisions for disabled access you appear to deliberately miss-represent this in your terms and conditions stating “you are however, required by law to ensure that the designated wheelchair space is made available if a customer wishes to bead with a wheelchair or approved mobility scooter.” Although the Public Service Vehicle Accessibility Regulations (2000) makes it compulsory to make public transport accessible to wheelchairs it does not make it illegal to fail to move for these, it also specifically excludes mobility scooters calling these “an outdoor vehicle used as an alternative to public transport”.

 

I also note with interest that when they have been asked to leave the bus no re-compensation has been offered As the couple involved have brought a “megaRider” ticket they have entered into a contract with yourselves for carriage for that week, although your terms and conditions state that this may be withdrawn at any time I have, after consideration, decided that these may breach the couples right under the Consumer Protection From Unfair Trading Regulations (2008) as it attempts to remove their right under the Supply Of Goods And Services Act to either receive the service they have paid for or for a partial or full refund of any costs arising from the failure to provide the service

 

After considering the above I have advised the couple that if they are required to leave the bus again they are to check with the driver that they are in fact required to leave the bus, they will then agree to leave the bus providing that he signs to say he has required them to leave the bus, they are then to leave the bus without argument and check the timing for the next service, if waiting for the next service would mean a large amount of inconvenience or would mean missing other commitments they are then to request a taxi and to obtain a receipt off the driver, this will then be presented to the local stagecoach office for re-imbursement, if no re-imbursement is forthcoming then a small claims entry will be made, at which point I have agreed to attend on their behalf and will of course ask that any reasonable costs arising from the court action be assigned to the charge as well.

 

I look forward to a reply encompassing the issues raised in this email, please note I have sent this email to both XXXXXXX XXXXX who dealt with the original complaint and to the email address I have on file for CEO complaints, I have also been asked to make this into an open letter so it will be posted on several forums such as the Consumer Action Group with any replies also posted without editing.

 

 

 

Yours sincerely

 

XXXXXXX XXXX

 

(On Behalf of Miss XXXXXX,Mr XXXXXXXXX)

Edited by labrat
employee name left in by accident - removed

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  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
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if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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I have also been asked to make this into an open letter so it will be posted on several forums such as the Consumer Action Group with any replies also posted without editing.

 

 

 

labrat.. could you please clarify.. CAG will not permit the posting of employee names/badge numbers and it would be extremely foolish of anyone posting "anonymously" to leave their own personal details visible on a public forum. So we are just slightly confused .. !!

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Well I can speak from experience on this one as an ex-bus driver. To be honest (and i'm sure any bus driver will agree), carrying wheel chairs can be a problem when they are unassited as it then usually the driver who has to leave his cab and load them on and secure them.

 

The legislation provides for at least one wheel chair to be carried on a bus. To accommodate this, there should be an additional area to allow for the wheel chair to be manoeuvred into place which will normally consist of a row of side facing folding seats. The wheelchair MUST be positioned so it is facing backwards. The driver CAN refuse to carry a wheelchair unless the user complies fully with the correct way of him/her being secured. I have had some who insist on facing forwards for example which is not acceptable although I have in the end always got them to comply. As far as a 'mobility scooter' is concerned, it would depend on how big it was to whether it could be carried or not.

 

Now in my experience when the bus comes across a wheelchair user, the driver should ensure that he is able to accommodate him/her by (if necessary) making the area available. I have had to spend a few minutes asking other passengers to move so that the wheelchair can be bought on. It should be the case that at least 1 pushchair can still be carried as well although it may be the case where the passenger with the push chair may be asked to co-operate by 're-adjusting' their seating arrangement. I can honestly say that I have never had cause to off load a passenger who is already on the bus to accommodate a wheel chair. Strictly speaking, the driver should restrict his load to 1 pushchair only then this scenario shouldn't be a problem. As far as asking someone to leave the bus simply to accommodate another passenger, i'm not sure they are fully entitled to do that. If the push chair is to big so it would potentially prevent a wheelchair user being carried as well, then the driver should refuse to carry the push chair in the first place.

 

And people wonder why their bus is sometimes late!

 

Please Note

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

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sorry i ment without editing other than names etc

 

i ment so that they can reply in full without things being taken out of context

 

i forgot to add in the letter about asking for the risk assesment for leaving a mother with small child at an unfamilar stop, it is something i will do at the next oppertunity

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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its one of the older style ones with a fixed top, the base folds but the top section doesnt

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Would it fit onto a older type bus which dosn't have a 'buggy' zone?

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

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unlikely but all our busses now have those zones

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Its beginning to sound like your pushchair is probably unsuitable to take on a bus anyway. The provisions on low floor buses are entirely made for disabled access (wheelchairs), not large pushchairs. However (as previously mentioned), to accommodate a wheelchair, the seating configuration has to be such that there is sufficient area available to manoeuvre a wheelchair into it's correct position. This area has been utilized with fold up seats to either provide additional seating capacity or a 'buggy zone'. Most (if not all) areas on low floor buses will have signage indicating this.

 

Point being that it is a 'buggy' that should be bought onto a bus rather than a 'pushchair' which cannot be folded. I think your compliant will simply result in their driving staff being 're-trained' into the correct type of 'buggy' which can be carried and which cannot. Basically nothing has changed in respect of the carriage of anything else other than wheelchairs which is why I asked the question 'would the pushchair you are using fit onto a older, non low floor bus'. If the answer is no, then it still is unsuitable for bus travel.

 

Unfortunately I think this is the response you will get although I still feel that once you were allowed on the bus by the driver, they had no right to off load you under these circumstances.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

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sorry i ment without editing other than names etc

 

i ment so that they can reply in full without things being taken out of context

 

i forgot to add in the letter about asking for the risk assesment for leaving a mother with small child at an unfamilar stop, it is something i will do at the next oppertunity

 

 

I very much doubt they will have done a risk assessment for this.

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I'm a london bus driver so can only comment on TFL routes.

 

There is no such thing as a 'buggy area' on a TFL bus. There is a wheelchair area that we, as drivers allow buggy users to use if it is not needed by a wheelchair user.

As a driver, I am within my rights to ask any bugger user to fold thier pushchair.

 

The problem is that women(mainly) with buggys seem to think that the wheelchair area is a 'buggy area'.

Buggys have become huge over the years and have also got alot wider, also, women pile loads of bags on to the buggys making them even bigger.

 

TFL rules are that if a buggy user is already on the bus and a wheelchair wants to board, I can ask the buggy user to fold thier buggy, but, if the buggy user refuses to fold thier buggy, I cannot make them. In that situation, I am required to call my radio room and inform them what has happened.

However, in the real world, I tell the buggy user they MUST fold thier buggy.

I get loads of women say 'but it does'nt fold', and I say, 'you mean you don't want to fold it'.

 

Some buggy users choose to get off rather than fold the buggy, and I always offer them a transfer ticket.

 

TBH, if I was a buggy user and was useing the bus regular, I would buy a small, narrow, easily foldable buggy, but, as has become the norm now, people don't give 2 sh*ts about anyone.

 

Ive had loads of buggy users tell me they are not going to fold thier buggy in order for a wheelchair user to get on, and I totally embarass the buggy user into folding thier buggy.

 

My message to the OP?, tell your friends to get a smaller, easily foldable buggy, after all, the buggy can be folded, the wheelchair user can't start walking again, can they!

All I ask is to be treated fairly and lawfully.

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Why are they unable to fold their pushchair?

 

I get the feeling that the driver asked them to fold the buggy, but they choose not to..................................

All I ask is to be treated fairly and lawfully.

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On National Rail we are covered by the conditions of carriage which states that buggies must be collapsed, I expect Stagecoach will have a conditions of Carriage also? Buses arent my area of knowledge though! It does annoy me sometimes when someone with a buggy will ask where the "Disabled" space is! I quite often ask if they need disabled assitence but that usually goes straight over their heads!

Views expressed in this forum by me are my own personal opinion and you take it on face value! I make any comments to the best of my knowledge but you take my advice at your own risk.

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This is taken from Stagecoach's conditions of carriage;

 

5) Carriage of Wheelchairs, Small Prams and Buggies

We are constantly investing in updating our fleet to improve access and space for the disabled in wheelchairs and certain approved mobility scooters and for passengers travelling with young children in small prams and buggies.

 

Wheelchairs, approved mobility scooters, small prams and unfolded buggies may only be carried on suitable low floor vehicles. Wherever possible, the use of low floor vehicles will be shown on all timetable publicity and, whilst we will endeavour to operate a low floor vehicle on all advertised journeys, we reserve the right to substitute a non low floor vehicle when no low floor vehicle is available.

 

Subject to space being available and the discretion of the driver, we will carry small prams and unfolded buggies on low floor buses within the designated area. Prams and buggies must not block the aisle of the vehicle at any time.

 

You are, however, required by law to ensure that the designated wheelchair space is made available if a customer wishes to board with a wheelchair or approved mobility scooter.

 

You are required to co-operate in allowing proper use of the designated wheelchair space by vacating this space if it is required by a customer in a wheelchair or approved mobility scooter including repositioning small prams, folding any buggies and storing them in the luggage space.

 

Detailed guidance on accessing our services with a wheelchair or an approved mobility scooter is available by telephone from the local Stagecoach operating company’s Disability Helpline, in writing in the form of a local leaflet and on this website.

 

Details of approved mobility scooters are available from the Disability Helpline.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

  • Haha 1

 

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good on it then lets say the drivers are less than polite

 

there is no law requireiong you to move for a wheelchair, even when in the designated bays

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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good on it then lets say the drivers are less than polite

 

there is no law requireiong you to move for a wheelchair, even when in the designated bays

 

 

Actually you are correct. Their terms suggesting the passenger 'is required by law' is miss-leading. However, the bus co itself is required by law to provide accommodation for a wheelchair/disabled user. As I previously mentioned, your complaint will probably result in their driver's being instructed to be stricter in what type of buggy is allowed to be carried. If it wasn't for legislation requiring buses to have disabled access, I doubt very much that the industry would have paid for low floor buses in the first place. It is only because of that requirement that there are spaces to carry un-folded buggys on buses. again, if your buggy cannot be folded, then it is not suiitalble to be carried on a bus and thus the driver should not allow it on in the first place. The fact that he/she has then makes it their problem if a wheelchair user wishes to board the bus.

 

One thing that is for sure is that the bus co has a legal obligation to accommodate at least one wheel chair on any bus adapted or designed to carry one. But, it has NO such obligation to carry an un-folded buggy.

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

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What this will lead to is bus drivers(myself included) asking ALL buggy users to fold ALL buggys.

Buggy users are thier own worst enemy.

All I ask is to be treated fairly and lawfully.

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hmm well ill message to the admins to close the thread

 

the reply from the ceos office did go into alot of detail, some of it new, some of it im happy with some im not but at least they responded however the last two lines of a (nearly 2 sides of a4) email are

 

"we treat correspondence through our complaints system as private matters and consequently I do not authorise you to publish my response in any public format."

 

so theres little point the thread being here

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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No doubt they quoted from their conditions of carriage.

 

Thank you for the update.

 

 

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

 

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they did but they did also admit error in asking them to get off at an unfamiliar stop, and promised to look into the fact that they quote a law that doesnt exist

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Thread closed as requested.

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  • 2 months later...

i posted a thread on stagecoach and pushchair issues a while ago

 

since which its gone back and forth a little

 

in the end we agreed it was in their terms and conditions, but they agreed those terms and conditions went beyond what was required by law

 

as such they have offered a contribution towards an easy fold pushchair, which has been gratefully accepted

 

as they have been reasonable ive advised the sister in law to write back advising she accepts and is also reasonable and willing to accept any contributions in stagecoach vouchers to use in further travel with the company

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Excellent - a resolution :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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