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    • 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.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
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IDS is misleading the public again!!!


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Don't blame IDS. He's just a poor puppet doing the dirty work while Camoron goes around and takes the credit for the good things (none actually).

"Ask not what your country can do for you, ask what you can do for Poundland"

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Don't blame IDS. He's just a poor puppet doing the dirty work while Camoron goes around and takes the credit for the good things (none actually).

 

 

Who is the puppet and who is the puppet master? When Cameron asked IDS to move aside from his job as secretary of state, IDS told him to do one, and said he was going nowhere.

It seems to me that IDS is pulling Cameron's strings not the other way around.

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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what IDS fails to take into account is the reasons people turn to drink and/or drugs..some suffer from severe anxiety, depresion and other related thngs so they turn to drink and drugs. these people need proper help and it could take some of them years before they'll be ready for work, but along comes good old IDS who thinks the problem can be sorted out in 5 mins and if it isn't he'll stop there benefits which won't help the person but instead could cause them to commit suicide.

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Joeski, I realise you don't like IDS. Neither do I. I don't think you'll find many people who do like the man- at least, not here on the Benefits Forum.

 

Could you do me a favour, though, and dial back the rhetoric a notch or two? I'm not saying you need to praise IDS and send him roses on his birthday, just, well, bear in mind the libel laws when you post.

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The idea that all politicians lie is music to the ears of the most egregious liars.

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I seen similiarities with the NHS as well.

 

The NHS have caught IDS illness and are starting to often blame anxiety, depression, stress for a lot of illnesses.

 

A lady in her 30s first reported problems when the symptons were low, and was told its depression, even tho she said she was only depressed due to the physical symptons, this persisted for 2 years until she started coughing up blood, they finally did a chest xray but was too late, cancer spread all voer her body and she is now dead. Apparently according to the NHS problem was in her head.

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Joeski, I realise you don't like IDS. Neither do I. I don't think you'll find many people who do like the man- at least, not here on the Benefits Forum.

 

Could you do me a favour, though, and dial back the rhetoric a notch or two? I'm not saying you need to praise IDS and send him roses on his birthday, just, well, bear in mind the libel laws when you post.

 

whats the libel laws?

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whats the libel laws?

 

Broadly speaking, don't say things that are defamatory.

 

It's not just libel that's an issue, though - we need to keep the tone of discussion here civilised for the sake of all members. Angry is fine, anger is justified under these appalling circumstances. But the most effective anger is that which is cordial.

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I seen similiarities with the NHS as well.

 

The NHS have caught IDS illness and are starting to often blame anxiety, depression, stress for a lot of illnesses.

 

I've noticed this too. I have IBS and have a history of stomach issues going back to when I was a baby. According to my now-ex CPN, all my issues are in my head.

 

I once went to see a GP because I had what felt like a burning sensation in my stomach. She said it was anxiety. I've had this before and the GP (a different one) felt my stomach and prescribed some Gaviscon. The subject of anxiety / mental health was never mentioned.

 

Even if someone's issues are due to depression or anxiety, they should be taken as seriously as someone with the same condition which is caused by physical symptoms.

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But the most effective anger is that which is cordial.

 

You talking 'vim' or 'vimto' here :madgrin:

 

By heavenly all thats fine n dandy I'm utterly and completely squiffed as a banjaxed leaky wench embalmed in a mint julep :wink:

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You talking 'vim' or 'vimto' here :madgrin:

 

By heavenly all thats fine n dandy I'm utterly and completely squiffed as a banjaxed leaky wench embalmed in a mint julep :wink:

 

Walked into that one, didn't I?

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The idea that all politicians lie is music to the ears of the most egregious liars.

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Walked into that one, didn't I?

 

If you like to gamble, I tell you I'm your man

You win some, lose some, it's - all - the same to me

The pleasure is to play, it makes no difference what you say

I don't share your greed, the only card I need is

The Ace Of Spades

The Ace Of Spades

 

Bit early for you Sir? I'm completely trollied and as playful as a kitten with a ball of string tbf :whoo:

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whats the libel laws?

 

I am happy to refer to IDS as Irritable Duncan Smith. Which should be fine.

However, Irritable Drunken Smith would be funnier. But probably not fine.

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Attacking someones character is not libel if true, and do not breach any protected characteristics, even though he has none

 

he is a public servant and should expect public scrutiny

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i personally think they are all the same..we'd be better running the country ourselves without them :)

 

I doubt that very much indeed :lol:

 

 

 

Much of it started when the last Conservative pushed unemployed people onto incapacity benefits rather than unemployment benefits to keep their unemployment figures down. This was such a bad thing to do. Unfortunately Labour continued the trend.

 

 

 

Sorry you are wrong - it was the Labour government before Margaret Thatcher came to power, who started to push people onto incapacity benefits to bring down the "unemployed" total.

 

When Tony Blair and his cronies came into power, they inherited one of the healthiest bank balances in history. On top of which GB sold off our gold reserves ensuring there was nothing to fall back on should things go to hell in hand basket. Which we now know it did.

 

Please tell me where they invested all that money ?

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the only reason IDS resorts to shouting and raving at people is because as the old saying goes 'empty vessels make the most noise'..i don't think david cameron even likes IDS :)

 

if IDS started ranting and raving at me i'd just laugh in his face haha

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I doubt that very much indeed :lol:

 

 

 

 

Sorry you are wrong - it was the Labour government before Margaret Thatcher came to power, who started to push people onto incapacity benefits to bring down the "unemployed" total.

?

 

I seem to remember maggie thatcher taking people off the dole and onto sickness benefits back in the 80s. I was on a yob scheem or YTS. But that was my father who put me on this whilst waiting to go into the army.

Anyway we could agree and say both partys are to blame :-)

 

I dont vote and dislike all british partys eually. There is no left right paradign. There is no democracy.

But thats another story :-)

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the only reason IDS resorts to shouting and raving at people is because as the old saying goes 'empty vessels make the most noise'..i don't think david cameron even likes IDS :)

 

if IDS started ranting and raving at me i'd just laugh in his face haha

 

Mate, I saw his "geologists are useless" ranting interview after he got canned in the O'Reilly court case. And I agree, he was ranting and raving. It doesn't mean we have to, though. We're better than that.

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Attacking someones character is not libel if true, and do not breach any protected characteristics, even though he has none

 

he is a public servant and should expect public scrutiny

 

Yes, he should expect public scrutiny. But CAG is not wealthy, even if we're right. So let's just be careful out there, 'K?

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Yes, he should expect public scrutiny. But CAG is not wealthy, even if we're right. So let's just be careful out there, 'K?

 

i'll be more careful but the way i see it if someone like IDS reacts by ranting and raving at the other person then it means he knows what the other person has said is true..if there was no truth in it it would just go straight over your head.

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i'll be more careful but the way i see it if someone like IDS reacts by ranting and raving at the other person then it means he knows what the other person has said is true..if there was no truth in it it would just go straight over your head.

 

Oh, I agree. I mean, in the interview I saw he didn't appear to have a clear handle on the argument he was making. But yeah, thanks for being careful. We appreciate it.

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I am happy to refer to IDS as Irritable Duncan Smith. Which should be fine.

However, Irritable Drunken Smith would be funnier. But probably not fine.

 

This is quite a succinct explanation of the issues :madgrin:

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The idea that all politicians lie is music to the ears of the most egregious liars.

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I seem to remember maggie thatcher taking people off the dole and onto sickness benefits back in the 80s. I was on a yob scheem or YTS. But that was my father who put me on this whilst waiting to go into the army.

Anyway we could agree and say both partys are to blame :-)

 

I dont vote and dislike all british partys eually. There is no left right paradign. There is no democracy.

But thats another story :-)

 

And if everyone thought like you and didnt vote, there would indeed be no democracy !!

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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

 

 

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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

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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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And if everyone thought like you and didnt vote, there would indeed be no democracy !!

 

 

We live in a plutocracy and not a democracy. There is no left right paradign. What ever government is in will always gravitate towards big business, banks and the elite.

Not long ago a city trader on bbc news 24 told it how it is. Goldman Sachs runs the country and not the government.

Everything including foreign policy, wars, regime change is to the benefit of big business. You just got to follow the money.

Those puppets in the theatre of westminster dont run the country Im afraid.

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We live in a plutocracy and not a democracy. There is no left right paradign. What ever government is in will always gravitate towards big business, banks and the elite.

Not long ago a city trader on bbc news 24 told it how it is. Goldman Sachs runs the country and not the government.

Everything including foreign policy, wars, regime change is to the benefit of big business. You just got to follow the money.

Those puppets in the theatre of westminster dont run the country Im afraid.

 

Sad, but true.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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We live in a plutocracy and not a democracy. There is no left right paradign. What ever government is in will always gravitate towards big business, banks and the elite.

Not long ago a city trader on bbc news 24 told it how it is. Goldman Sachs runs the country and not the government.

Everything including foreign policy, wars, regime change is to the benefit of big business. You just got to follow the money.

Those puppets in the theatre of westminster dont run the country Im afraid.

 

on top of that the only areas that have any sort of real say are marginal seats. Occasionally is a freak result in safe seats, but eg on elections I dont see high profile ministers here, they dont need to bother the election result is already known.

 

marginal seat areas are also more likely to get government investment. But of course only enough to make things seem better than the previous government.

 

I think its quite clear in recent years that government works for banks and large companies. The only reason we havent had a revolution i because the media has kept the population in check.

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If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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