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    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
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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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Funding in further education?

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I need to do GCSE English and had a meeting last week with disability support. There are a few issues with what was said:


- Not being allowed to walk out if I have sensory overload, which can be painful. They won't allow me to use a traffic light system and I have to tell someone. I can't talk during sensory overload if the overload if noise. (my response is to put my hands over my ears and walk off) If I need the toilet, I can just walk out.

- They won't give me 1-1. I've had this issue before. They have told me that I've got to learn to read by myself. I am sight impaired. It's not that I am incapable of reading, (as in, I know what that word says) it's that my disabilities make reading physically tiring.

- They won't provide coloured paper and have told me I have to buy it myself. I was told to use my DLA. What DLA? That will be taken by social services, a few groups I attend and any equipment I need. I have just spent £160 on a pair of noise cancelling headphones. (that was a one off; but most of the equipment I need is very expensive) DLA doesn't cover everything.

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  • 2 months later...



Had another meeting on Tuesday about this and they won't back down. I've been told they don't supply coloured paper - even though it's a reasonable adjustment, I don't need 1:1 (the lady who did my assessment for DSA and my previous assessor both said I need 1:1) and if I want (it's not a want, it's a need) help with my work, I'll have to come in some other time and sort it out.


It's now getting worse and worse:

- I am sight impaired and have various pieces of assisted technology to help with reading. I've been told I should use these and I can't get help with reading, because apparently, my equipment will solve this issue. It doesn't. No amount of aids will solve every issue I have with reading.

- She has decided that I am not Autistic. Her evidence? Her father who may have it. Because I'm not like him, I can't possibly have it and I'm just lonely and have problems with my self esteem and confidence. As a female, I'm affected differently to males. This doesn't explain the need for routines, issues with relationships and my sensory issues. (only 2 of my sensory issues have nothing to do with my Autism and can be explained by other things)


My parents weren't happy at all with this comment. They have evidence (as many parents do) of why they believe I'm on the spectrum, my sister is about to graduate with a degree in Psychology and also believes I have it. There's someone else who thinks I have it - he's got the condition himself and possibly has a son on the spectrum.


Unfortunately, my support worker agreed with her. They both also claimed that because my psychiatrist said I may have it, that means I don't have it. He actually said he's not sure - which last time I checked, doesn't mean the same thing as no? He said that from the start he's not 100% sure and my GP said the same - that was before they even asked me any questions at all. But neither of them said I don't have it.

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I've had opinions from a GP, psychiatrist and a trainee psychologist. (who is about to graduate) The trainee psychologist is my sister. Both parents believe I'm on the spectrum, as does a friend of mine.


The GP saw me for about 10 minutes. That was the first time he'd met me and he said that I probably am on the spectrum. After 5 minutes with the psychiatrist, he said that I probably have it too. Both agreed that due to my other disabilities, I will be harder to test.


I don't need a second opinion. Unfortunately for me, my support worker backed her up and agreed that I just need counselling and there's really nothing wrong with me.

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TBH the only opinions that would really count is that of the GP and the Psychiatrist, many people can be classed as on the Spectrum of Autism but with your other disabilities you would be harder to test and if you are only minimally affect ted its probably not worth carrying out further investigations. You seem to be quite concerned about a diagnosis and I am not sure how that really helps if they have said they wont pay for coloured paper a diagnosis probably wont change their minds. Also 1-1 tuition is expensive and to do a GCSE it probably isnt the best way for them to use their resources in this case. I thought DLA was to help with the extra cost of a disability? therefore using part of it to purchase a special paper is helping with the additional cost of having a disability and I can see where they are coming from with this

If I have been of any help, please click on my star and let me know, thank you.

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My DLA goes on other stuff. My diagnosis has nothing to do with coloured paper. I have a diagnosis for that, which they carried out. Well, I say they, they arranged the assessment which was done by a specialist teacher.


What I'm asking for is a reasonable adjustment under the Equalities Act. I've had 2 DSA needs assessments and both have said 1:1 and funding for coloured paper.

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No I was trying to find out if you had been told you had to do it or if it was a voluntary thing in which case I think the funding could be different.There was no offence meant in my question I was just trying to understand why you needed to do it.

If I have been of any help, please click on my star and let me know, thank you.

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  • 1 month later...

Nystagmite, I just wanted to say that I understand where you are coming from. I have a 17 year old with aspergers and dyspraxia and have had to fight all his life for 'equal access' to education. The Equality Act should force schools to look at things differently but it doesn't seem to. My son needs full time TA help because he gets over stimulated (the school expected him to be able to sort out which quiet area of four was open at any one time while he was highly stressed), can't organise himself and can only follow one instruction at a time (although highly intelligent). He was given TA help (although not one to one, but it was better than he'd had previously) in pre 16 education but once he went into sixth form everything was gone. I even offered to go in as his TA and the school wouldn't allow that, but they wouldn't provide him with TA help either so I do understand your frustration. He ended up leaving Sixth Form so a year is lost.


The only thing I can suggest is that you make a complaint to the Chair of the Board of Governors, stating why you feel you are denied equal access to education and what provision would ensure you had equal access to education. I hope you find what you need.


The biggest mistake I made was listening to a number of people telling me that my son would never be statemented. How I wish I'd pursued that now, regardless.

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Thanks. :) I spoke to a friend who said that if I can find an exam centre where I can enter as a private candidate, she could tutor me instead. I think I'm going to do that - really don't want to be in a college where the "disability support" is clueless about common disabilities. (my rarer disability doesn't seem to cause any noticeable side effects - apart from causing a much more common disability)


The over stimulation sounds familiar. In my case, (depending on the cause) it's physically painful. I am also physically unable to tell someone that I'm too over stimulated by noise and have to go outside. Thankfully, only once has this happened. My response was to put my hands over my ears ad walk off. That was enough for someone to realise that something was wrong.

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  • 2 months later...

I made a complaint as suggested by the council. What a surprise. They're still telling me I don't have Autism, I don't need 1:1 and that walking out of the room is a no if it gets too noisy.


They have no evidence of the first 2 points at all. I've got it in writing that 2 different assessors have decided I need a 1:1.

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