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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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Hi folks

 

CSA has been in touch and have been given the figures etc on what to pay

 

In regards to amounts,

 

If the Ex who is now engaged (proof in paper) is living with the guy and he has a very successful buildings company

 

Should my payments stay the same even knowing this information ? or would they lower knowing that she is with a new guy earning loads ?

 

Thanks all

Edited by somethingelseplease
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If I can phone up and request a review due to my ex husband boasting about a pay rise to his mates in the pub then I'm pretty sure you can request a review due to your ex wife now being engaged/living with her new partner. Its certainly a change of circumstances the CSA would be interested in. In the meantime keep paying what has been agreed so things aren't reflected badly on you

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CSA has nothing to do with parent (with care) parents wage (unless old rules). It's based on (a percentage) of NRP wages.

 

If NRP is struggling, they can ask for variation. Question is, in 10 years time do u want to say to your kids ' I contributed (££) each week to your upbringing' or 'well your mums bf had loads of money, I thought he could take over financial responsibility'

 

I am a remarried pwc and would be happy for ex to stop contributing (I'm much better off financially than him). He has declined this suggestion though, for the above reason.

 

You can give CSA a call as the rules are always changing with them!

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Is it based solely on the NRP's wages tho? Cos my ex husband has had a payrise yet my money has dropped because he has moved in with his girlfriend and her 4 children. The CSA called it 'a change in his household' circumstances and said it was unfortunate that it coincided with his payrise. I would definitely phone them tho

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Hi ros

Yes sorry, they take into account other children he will be supporting too (in new CSA anywa). I have heard lots of examples of how unfair the old system was (where they take into account household income)

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  • 3 weeks later...

Hi folks

 

Ok I am now starting to make payments to the Child Support Agency (quite a bit) and really don't mind as long as the kid is getting something even though she will not allow me to see her. This was not my fault as the mother had lost the plot before I left her a good few years ago.

 

Thing is I know someone who works in a bank who my ex banks with (and her partner) - I know this breaks all kinds of rules but I just had to know and she will never find out.

 

She is claiming £400 in housing benefit and is also claiming working tax credit ...even though there is no wage coming into her account. He is stated at the same address as her on the banks details and owns a business himself but only takes between £5-800 wage but does do a bit of dipping now and again into the account to obviously not make it look like he's getting more than he should

 

My question is, if the DWP / CSA knew all this fraud was going on would my payments decrease

or would they stay the same? I'm not bothered but just a bit of knowledge

 

What sort of position am I in?

would an anonymous letter with all copies of their engagement (proof was in the paper) details help when sent to DWP, I also have proof of his name on paper and his business name etc

 

I just know that she doesn't need these payments from me as she is obviously living brilliantly just now, I on the other hand could do with that money as I'm finding it very hard to survive

 

thanks for any help

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I know what I would do! But it has to be up to you doesn't it.

I expect you'll still have to pay some, doesn't it actually go on what your earnings are rather than hers though tbh?

If you bubbled her, she'll likely get in trouble with the DWP & presumably tax credits if she isn't claiming as a couple, but it may not change your payments?

She's on borrowed time anyway, if he is registered anywhere at her address, they do find out from DATA matching. She's silly to take the risk.

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From my experience your payments should reduce, my ex husband moved in with his GF and her kids 2 months ago and his payments reduced by 25%. She does have four children tho. I think you can phone the CSA and ask for her circumstances to be reviewed but I would guess she would just 'fudge' the paperwork so it still looks like she is on her own etc. Like Jadeybags says tho she is on borrowed time

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Life is never fair. You just need to decide what (if anything) you are going to do about it

 

All I woud say is bear in mind your child here. If you did something about this then I bet your ex will tell them that their dad is an evil so and so who doesn't care etc etc. From the sounds of it she has given herself anough rope to hang herself with, its only a matter of time.

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The way you got this information doesn't just break rules it is also totally illegal. Unless you want your friend fired and potentially imprisoned you should think long and hard before using any of it. Of course as an upright citizen there is nothing to stop you tipping off the csa and dwp about rumours you hear such as they are living together. The fact you even have this information scares the hello out of me.

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you would still.have to pay regardless of her income it will only reduce if you have more children or live with someone who has children

just pay what you are asked and know that you have done right by.your child your ex can never say then.that you didnt provide she will get found out eventually cheats.never prosper !!!

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The way you got this information doesn't just break rules it is also totally illegal. Unless you want your friend fired and potentially imprisoned you should think long and hard before using any of it. Of course as an upright citizen there is nothing to stop you tipping off the csa and dwp about rumours you hear such as they are living together. The fact you even have this information scares the hello out of me.

 

Completely agree with this post. Whatever the moral rights and wrongs of this, you simply cannot go around using friends' privileged access to personal data to establish your case.Whilst you may score points against your ex, an inquiry into how the 'proof' was obtained would be almost inevitable and your friend's fingerprints will be all over the search history at the bank concerned. This is illegal and your friend WOULD lose their job, quite rightly. In many other areas of CAG, people are trying to deal with gross abuses of their personal data and I doubt that many will agree with or condone the way that you have obtained this information.

 

FWIW I am on your side if your assertions are correct and that benefit fraud is taking place, but for the good of all concerned, stick to the proper channels - report your suspicions and let the proper authorities investigate - if there is wrongdoing it will be uncovered. And keep your evidence obtained via your friend strictly to yourself.

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Your payments with the CSA will not change unless you have any children in your own house. It is only based on your own income not your ex partners. with regards to the claiming she is single with tac credits you would be best to contact tax credits fraud to tell them any information you have but you can only really give them evidence that you have obtained legally.

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