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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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I don't want to be self-employed anymore, what do i need to do????????


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Hiya, I wondered if someone could give me some advice please as I want to look for employment with an employer and become un self employed, if you get my drift. I have been cleaning and ironing for about four and a half years now but my clients have started to dwindle away over the past year, as they are struggling aswel. At the moment I am doing about 9 hours a week but I use to do about 18-20 hour. I work in 2 little villages about 15 miles away from we're i live and at the moment it's costing me loads in petrol as I travel there twice aweek, and I'm left with about £30. It's been that bad that my NI contributions have not been paid for tha last year and I can't even afford to pay my accountant £150 from last year. I feel like I'm in such a mess at the moment and don't know what to do. Any help or advice would be great thanks, Debbie.

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You need to inform HMRC.

Its likely that they will accept the arrears of NI contribution by installments but you do need to be contacting them.If you dont then class 2 contributions will continue to become payable.

Also contact any trade creditors in writing.You should be setting a date from which you are ceasing self employment too.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thank you Martin3030, will be getting intouch tomorrow with the HMRC. Hopefully i can sort out a repayment plan for my NI contributions, just need to sort out my tax returns now as i cant afford an accountant lol i have been told it pretty easy. Thanks again, Debbie.

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There is a direct number for NI contributions office at HMRC its 084591 54655 have your NI number to hand when you call.

Its worth mentioning too-They issue class 2 payment requests in arrears at the end of each 6 month period April and October so you should have had one in October telling you what is overdue if you didnt pay for a year its likely that these would need to be paid by 31stJan 2013 at latest.

Its only at that point you may be liable for NICs at a higher rate.

 

Additionally you might be eligible for small earnings exemption.

If your income from your business is below £5995 for the tax year 6 April 2012 to 5thApril 2013 then you might not have to pay classc2 NICS.

There is a form for this CF10 you can download this from http://www.hmrc.gov.uk/forms/cf10.pdf

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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