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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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      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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Timetable for the next month of government induced horrors


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Something interesting to consider with regard to the 'bedroom tax':

 

We have a neighbour who lives on his own in a three bedroom social housing property. He works from home and pays his rent. He uses the other two rooms for stock.

 

Another neighbour lives on his own also in a three bedroom social housing property. Like the former he also works and pays his rent.

 

Yet another neighbour who is a pensioner lives in a two bedroom house and will be exempt.

 

Now considering that social housing rent is on average cheaper than the private sector why should they all not be forced to downgrade!!! It is not right when the primary reason for the 'bedroom tax' is to free up houses!!!

 

 

As for the MP' s, Councillor's etcetera, why don't they set an example and scrap expenses!!! Don't quote the usual c**p about it being part of the 'job entitlement' and 'all above board', just do the MORALLY CORRECT THING AND DON'T CLAIM THEM YOU SCROUNGING S***S!!!

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Dear lord, may I say maybe you shouldn't worry about what others are doing and concentrate on your own life and stop being so biter about others? It's this mentality that is whats helping turn people against each other and help get this bloody awful government what they want.

 

Chill out hon.

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This time next year nobody will care. It will all be forgotten .

 

Yes I agree because they will probably be dead

Taking a poke at the world

 

Never argue with an idiot, he will only drag you down to his level and beat you with experience

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Well that just goes to show how little you actually know about this subject.

 

So what am I missing then? Giving millionaires a tax break yet again is supposed to boost the economy? I see it as an enabling system to allow them to salt more cash away in offshore accounts.

But I'm prepared to defer to your superior knowledge, and in the light of that no doubt you will educate me as to how this bit of legislation helps.

Edited by osdset

 

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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Out of the 5000 I'm sure there are some that could get a mortgage and buy their own place, another lot could move out of Newcastle, some more could private rent and a huge chunk of them will just pay the £14 a week and be done with it. Can't afford the £14 a week? Well some will cut down on things like Sky TV, drinking, smoking that costs a fortune, buying the cheaper brand of food the list is almost endless on how to get over this.

 

People can and will adapt. This time next year nobody will care. It will all be forgotten and there will be something new to moan about.

Daily mail rhetoric alert! Why do people like you trot out the same tired old propaganda, it's frankly boring and demonstrates a lack of independent thinking, you obviously believe everything you read.

 

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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IDS claims on bbc news that he could live on the £51.00 paid to younger jobseekers easily!!! yeah like to see him try....

 

That's Monday's breakfast sorted out then, he ponces off the wealthy Betty anyway.

 

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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and to add to odsets post....after they came for the sick, ill and poorest in society...who the hell do you think they are going to come after next?

demolish the welfare state at your peril...but dont complain when your children have to pay to go and see a doctor. when gove decides that 'free schools' are no longer free.when you are suddenly struck down by illness and their is nothing coming in, and no way of paying for your treatment....this soD you im alright jack!! is going to come back and bite you on the @rse.... the people of this country are getting sick to death of paying for the failures of the few in society who continue to prosper under this disgusting govt.....

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i like his comment on getting cheaper brands of food

 

its all this processed garbage that is causing the obesity problems in this country as most people are already forced to purchase due to shrinking house hold budgets

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and to add to odsets post....after they came for the sick, ill and poorest in society...who the hell do you think they are going to come after next?

demolish the welfare state at your peril...but dont complain when your children have to pay to go and see a doctor. when gove decides that 'free schools' are no longer free.when you are suddenly struck down by illness and their is nothing coming in, and no way of paying for your treatment....this soD you im alright jack!! is going to come back and bite you on the @rse.... the people of this country are getting sick to death of paying for the failures of the few in society who continue to prosper under this disgusting govt.....

 

Exactly. Well said.

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IDS claims on bbc news that he could live on the £51.00 paid to younger jobseekers easily!!! yeah like to see him try....

How much does his wife earn (if he's married) and he will have stacks in the bank, - so he probably could for a while.

Plus he would put in for expenses at about £500 a week.:)

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Bedroom tax is a good idea along with the 50p tax rate being scrapped.

 

 

no bedroom tax is not a good idea, axeing MP's expenses and perks is a good idea though :)

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IDS claims on bbc news that he could live on the £51.00 paid to younger jobseekers easily!!! yeah like to see him try....

 

Apparently, (I've lost count of the amount of times I've heard this) he claimed £40 for one breakfast?

 

I would like to see him try living on £51 a week too. But it has to be for a year or so for him to see how difficult it is.

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another lot could move out of newcastle? and where the hell do you suggest they go? a campsite in the new forest? or maybe we could open those nice friendly camps so beloved in the 1940's now that would empty the old council houses that are under occupied....i know we could also put a nice sign....let me think?? i know WORK MAKES YOU FREE....nice slogan!!! we could put it above the electified gates...what planet are you actually on????

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Bedroom tax is a good idea ...

 

But there will be smaller places once the people that need bigger move out.

 

On this occasion, no, I don't think you've helped at all. So, if you don't mind, I'll not be adding to your reputation by pressing the black starry thing.

Perhaps, with your incredible lack of empathy, the Benefits Forum isn't the place for you ...

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During Labour's government, they permitted the following abuses of the Legal aid System.

 

It costs the taxpayer nearly £5million a year to monitor him.

 

 

Well the tory party are no strangers to wasting tax payers money like the west coast rail fiasco costing £50 million not to mention the torys have also spent millions trying to deport Abu Qatada.

 

I dont know why the government are making a fus and wrongly accusing him of being a terrorist. Do they base this on evidence obtained by torture? Yes, then they support evidence gained by torture.

Innocent til proven guilty no?

Leave the bloke alone I say. He has not asked the tax payer to put police outside his house has he?

Anyway its a bit rich these puppets in the theatre of westminster calling him a terrorist while during this decade more than a million innocent women and children have been killed by western troops sent by them.

 

We can all sling mud around at the torys and at labour.

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Something interesting to consider with regard to the 'bedroom tax':

 

We have a neighbour who lives on his own in a three bedroom social housing property. He works from home and pays his rent. He uses the other two rooms for stock.

 

Another neighbour lives on his own also in a three bedroom social housing property. Like the former he also works and pays his rent.

 

Yet another neighbour who is a pensioner lives in a two bedroom house and will be exempt.

 

Now considering that social housing rent is on average cheaper than the private sector why should they all not be forced to downgrade!!! It is not right when the primary reason for the 'bedroom tax' is to free up houses!!!

 

 

As for the MP' s, Councillor's etcetera, why don't they set an example and scrap expenses!!! Don't quote the usual c**p about it being part of the 'job entitlement' and 'all above board', just do the MORALLY CORRECT THING AND DON'T CLAIM THEM YOU SCROUNGING S***S!!!

 

If your neighbours pay their own rent and don't receive HB, then they are not affected by the bedroom tax at all.

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

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Apparently, (I've lost count of the amount of times I've heard this) he claimed £40 for one breakfast?

 

I would like to see him try living on £51 a week too. But it has to be for a year or so for him to see how difficult it is.

 

There was a series of programmes on telly a few years ago about poverty and a few MP's including IDS where invited to live on single adult income support rate for a few weeks to see if they could do it ..

 

Guess who duct out at the start of the series ?

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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Another one

 

 

You have taken the bait hook line and sinker.

 

The government could deport him tomorrow but they choose not to.

Why?

Because they have an ulterior motive.

 

Firstly the government complain that they cant deport this dangerous terrorist because of silly european human rights.

The propaganda media whip up a public frenzy causing an outrage by the public that this man cant be deported.

The government then come up with a cunning plan. Yes we will stop these stupid european human rights that hamper our courts, freedom and security.

The public cheer, yay we want our human right taken away,,yay yay yay for Dave!

 

Human rights taken with public support.

Talk about sleep walking off a cliff! Lol

 

That my friends is politics.

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