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    • Please can you avoid posting solid blocks of text. It is difficult for people to read especially when they are using a small screen such as a telephone. Well spaced and punctuated please. I hear what you say about the evidence – but do you have copies of it? And if so can we see it please. That's the point. We want to know what you have. As long as you have the evidence in your possession then you have some kind of control
    • Hi, the vehicle went to Audi Chingford on Thursday 13th May. I did state beforehand that I only wanted a diagnostic. The technician out of courtesy opened the drain letting huge deposits of water escape the seals. Video evidence was provided via AUDI cam. The link for the audi cam has been forwarded to BMW and Motonovo. I spoke to branch manager explained the situation and he stated he would sent me an email outlining the issue. Audi state this is not really an issue and more of a design flaw. However, the seals still have water ingress. I purchased the vehicle with £0 deposit on a 60 months HP plan for £520.00. The vehicle total was £21000. I did not go for any extended warranty. I live almost 70 miles away from the aftersales centre in Peterborough. I have previously uploaded the document I forwarded to BMW however it was in word format. I have had to buy a new tyre almost three days after purchasing vehicle. BMW still have not compensated me for the v62 cost as they said they would. 
    • I would suggest that you stop trying to rely on legal theory – as you understand it. Firstly, because we are dealing with practical/pragmatic situations and at a low value level where these arguments tend not to work. Secondly, because you clearly have misunderstood the assessment of quantum where there are breaches of obligations. The formula that you have cited above is the method of loss calculation in torts. In contract it is entirely different. The law of obligations generally attempts to remedy the breach. This means that in tort, damages seek to put you into the position you would have been in had the breach not occurred. In other words it returns you to your starting position – point zero. Contract damages attend put you into the position that you would have been had the breach not occurred but this is not your starting position, contract damages assume that the agreement in dispute had actually been carried out. This puts you into your final position. You sold an item for £XXX. Your expectation was that you your item would be correctly delivered and that you would be the beneficiary of £XXX. Your expectation loss is the amount that you sold the item for and that is all you are entitled to recover. If you want, you can try to sue for the larger sum – and we will help you. But if they ask for evidence of the value of the item as it was sold then I can almost guarantee that either you will be obliged to settle for the lesser sum – or else a judge will give you judgement but for the lesser sum. This will put you to the position that you would have been had there been no breach of contract. I understand from you now that when you dispatch the item you declared the retail cost to you and not your expected benefit of £XXX. To claim for the retail value in the circumstances would offend the rules relating to betterment. If you want to do it then we will help you – but don't be surprised if you take a tumble.  
    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe?  These are my only offenses in 8 years of driving.
    • I'll get my letter drafted this evening. Its an item I sold, which I'm also concerned about, as whilst I don't have my original purchase receipt (the best I have is my credit card statement showing a purchase from Car Audio Centre), I do unfortunately have the eBay listing where I sold it for much less. But as I said before this is now a question of compensation: true compensation would seek to put me back into the position I was in before the loss ie: that title would remain with me until my buyer has accepted this, and so compensation should be that which would be needed to replace the lost item. But in the world of instant electronic payment, it could be argued that as I had already been paid, the title to the goods had already transferred, and I was required to refund the buyer after the loss. And so, despite my declared value being the retail price - that which is needed to return me to my pre-sales position, the compensatory value should be the value I sold it for, which being a second-hand item from a private seller is lower. I still believe that I should be claiming for the item's full value, rather than how much I sold it for, as this is the same for insurance: we don't insure the value we paid, but rather the value of the item to put us back into the position we would be in if we ever needed to claim. Its for the loss adjuster to argue the toss
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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.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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Being made homeless due to Job Centre


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I've been given some jobs to apply for, and I have found some, but without adviser's details I can't apply for them yet. I will try tomorrow.

The people at Ingeus don't know I have been sanctioned, I have sent CV's before and never got a reply. Some have changed their application process by doing it online. I am just glad I have the internet.

I'll go up to the Job Centre tomorrow. And hand in the letters.

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I have applied for jobs, my adviser was very happy with me. I don't know where I heard this from but if I keep going to these appointments I may get my money back. Tomorrow I am going to citizen's advice.

My dad never came. And we will be going to the council to get a housing form. And to see a homeless adviser.

The hostels here are somtimes too full. Really worried just in case I get to owe rent and electric. The estate agents that I am with know that my money has been stopped. And they said not to worry.

But it's £400 for rent. And I don't have that money. I now don't have enough electric. About £3. And I am using my mum's electric right now.

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No reply from my appeal. Dad should have sent in a form from the council so he can get a 2 bed bungalow. My sister who lives in Greater London has offered to put me up for a few days so she could help me with everything. She says she can get the MP to help. I may even get a job there. I have applied for some jobs online, but got the same response from all. I am not good enough for them.

It's because I don't have experience and no confidence. I also probably failed there online questioner. Hate those. Should be going to citizens advice tomorrow. That's all I have done.

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No, nothing this long. So it's scary, and last time I got sanctioned I lived at home. I've still got the food from the foodbank. The letter which was addressed to my flat was a different letter which went to my mum's.

On the back of the letter said I 'has been disallowed Jon Seekers Allowance for failing labour market. and is not in a vulnerable group". Hello! I live on my own, have to get electric and gas. I am vulnerable. Do they expect me to sleep in the cold. My flat is over 100yrs old. And even during the warmest days is freezing.

 

This is annoying me. I am now going to write an appeal for the Job Centre so they will look over my hard ship payment again.

 

sadly even tho I agree with you the government doesnt consider living on your own to be a vulnerable situation, and to say again as someone who lives on their own I defenitly agree with you, I think its bonkers someone on their own is not considered more vulnerable than living with other adults.

 

I believe you can get a crisis loan whilst on no benefit but you cant get it paid into a bank you will have to pick up the giro, thats the limitation when not on a benefit. However you can only get 3 crisis loans I was told. So its not something you can do for very long. They also wont accept things such as rent and utility bills as essential costs, so give them an inflated food bill for what you need. As far as they are concerned its reasonable enough to have your electric cutoff and they think its ok to default on rent justifying it by the eviction process isnt instant (seriously thats what they told me when I applied).

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So what am I going to do? I'm scared that even after my sanction has that I wouldn't be able to get the money back. I have received some 'no's' from retail outlets. And I am still looking for cleaning jobs. But there's only sales or managers.

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Are there any employment agencies near you? in your situation, it would be worth taking short term temporary Work of a couple of shifts here and there. for one thing, it will get you a bit of cash, even if it's only a small amount. it will also mean that you build a reputation with the agency and if you're on time and Work to the best of your ability, they usually get more forthcoming with better contracts.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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I've tried PMP but they put me in a factory with non English speaking people. I know I've had a bad experience but there are a few in town I could try.

 

I think at this point it's your best bet. how did you get the referral to the food bank last time? was it through social services for example?

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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Unfortunately there is no financial support or help available to you at the moment, you do not qualify for hardship as your sanction was decided under the old rules and you cannot receive a crisis loans if you have a sanction imposed.

Are you still attending you work programme appointments on a regular basis? If you are you can ask them on your next attendance if they will send a referral to the DMA team to reconsider the sanction period as you are now attending as and when required, however the provider can insist that you attend for a fixed period of time before they send the request. No guarantee the decision will be revised but you don't know until you make enquiries.

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I have an appointment at Ingeus on Monday and will ask then. Also my dad has just got his appeal for ESA through, which was sent months ago, he mentioned that it may have been a year not sure. Is that how long my appeal will take? And at the end of the sanction will I be rewarded all of my money which was stopped? They have given my money back before.

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Your appeal could take anything up to 39 weeks to be heard by the tribunal.

At the end of the sanction you will be reassessed for JSA but will not receive back pay for the period of the sanction unless the tribunal change the decision and state that the sanction is to be revoked.

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Just got a letter saying that I owe council tax of £406.37. And that my council benefits have been cancelled, awarded and then over-payed. I don't get it. My dad has phoned them and explained to them that I can't live in there anyway. I don't have any income, and I have been applying for jobs. Would Citizens Advice help or will I have to go to solicters? It says that £521.43 will be payed into my account 14/09/12 -25/11/12. I have to give up the flat, and I don't know how to pay them with no money.

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You have already been advised at the start of your thread to apply for housing benefit and council tax benefit seperately, have you done this?

If you haven't then I seriously advise you to do so tomorrow, you do not need to get into trouble with the council about HB/CtB overpayments .

There is no need to give up your flat if you make the application as advised :)

 

CAB may be able to help you but will only advise you to do what has already been advised.

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I've applied, but they needed to know how I was going to support myself without money and didn't know what to do. And I am giving up the flat, but needed my dad with me as he is my guarantor. I have to give up my flat as I have no money for electric and gas. And the building is very cold and the door let's the cold air in and no door closes properly.

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  • 2 weeks later...

My dad phone the council, and all I have to do is write a letter saying how much I get(0) and how I am going to sustain myself. My parents will help me. But the council will pay me £50 per month. And my dad will pay the rest. They will also pay for electric, gas and food. Didn't know they had the money. I hardly use any electric anyway so that's OK.

When March comes I can bid for another flat with council as that's when the tenancy ends. Hope I will able to get another flat closer to home.

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  • 2 weeks later...

This is my second post about this. I am on a 6 month sanction from Job Centre. I sent an appeal, but it got sent to Belfast instead of Basildon. Stupid! And now I have a bill with Lowell Financial. Who I have been sending emails to, and told them about my sanction.

They understand this. And sent a form about how I will pay them or what money I have coming in. Which is 0.

I then got an email from them saying

 

"Thank you for your recent correspondence, the contents of which have been noted.

 

In light of your current circumstances we will place your account on hold for a period of 30 days.

 

Please note that we encourage customers to make a token payment towards their account as a gesture of goodwill."

 

I sent an email before that asking how to fill out the form. This email is no help.

And I don't know about how I am going to move out of my flat. I have no where else to go and I owe £800+ electric bills which I will probably get because I have no money for any electric. I'm sleeping on the floor of my mum's house.

And people keep saying that the council will not give me a place because I am not a priority.

 

Help?

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Hi again Caspar. I've asked the site team to merge your two threads, because it's easier for people to give you advice when everything is in one place.

 

OK, first things first - what's happening with your Housing Benefit? As far as I'm aware, you should still be able to claim this on a nil income basis. You would have to fill out a change of circumstances form with your local council though. Have you done this?

 

Have you received anything from your landlord to say that you have to leave your flat?

 

Are you still signing on? What have you done to look for work? I'm sure that your adviser can make a request for the sanction to be reduced if they feel you've been making sufficient effort to look for work, although hopefully Flumps will pop in and confirm that because I could be wrong.

 

Don't worry about Lowell, they're the least of your problems at the minute.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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Have you applied for hardship payments?

 

Caspar was refused hardship, I think that's what the missing appeal paperwork was for.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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