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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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Ok ill explain what happened and hopefully someone can help with some advice urgently if possible. We lived at an address and then moved three streets up. Now......wrongly i assumed that the council would carry on taking the money from the same account for the new property and calculate the difference (if any....this is the only time ive had to pay council tax as i have always been in the services) i generally do not check my accounts as there is never anything uintoward and the same bills always leave etc etc.

 

Now i received a letter from the council saying that 2 payments of £140 were due.....at that time i could only pay one so paid that immediately on the phone. They were to send a letter out so that i could work out a repayment plan for the remainder. I work a lot of hours and my partner does not work and we have two small children. Yes i should have kept track of the letter that never came from the council, due to our wedding in November (which we have scrimped and scraped for) and other daily problems.

 

Now, last month i noticed online on my pay statement that £400 had gone out of my salary at source. I contacted my pay dept (for a major communications company) and they could not tell me what it was for but raised an issue and gave me a ref number. Total deuctions for that month took me to £1200 with myself fiance and two children to ffed for the month and £525 rent. .......

 

Two weekd later nothing had materialised from my pay dep so i rang them back.....they had lost the inital complaint raised by myself and issued another. So......to make up for last month i hammered as much overtime as possible........i checked my pay statement online again for the up coming salary.......nearly £500 this time which also wiped out ALL the overtime i did. Pay dept still had no answers, so i contacted the council tax on the off chance, they confirmed that they had requested the money from source via the courts.

 

Now i promise this is the truth completely, i never never recieved anything from the council stating this would happen OR from my pay department asking ingoings/outgoings. Now i have also found that there is a protected earnings law?? where the salary must not go below £1500 p/m.

 

This has happened to me on two consecutive months now and is really putting us in financial hardship, and yet i never owed that much so can not understand why they are taking so much off me.

 

Please can someone help me here, is there anything i can do (apart from contact the council recovery which was advised to me byy someone at the council, i have done this and they have not replied to me)

Edited by citizenB
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As above. The experts will be along soon.

 

A quick google about protected earnings conflicts with the amount you claim unfortunately. From what I can work out its actually only £130 per week rather than £1500 a month.

 

The experts will be here shortly though to suitable advise.

 

Regards

 

BM

It never rains but it pours...

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As above. The experts will be along soon.

 

A quick google about protected earnings conflicts with the amount you claim unfortunately. From what I can work out its actually only £130 per week rather than £1500 a month.

 

The experts will be here shortly though to suitable advise.

 

Regards

 

BM

 

On the CAPS letter it says "you must not deduct any money which would reduce your employees net pay below £1500.00 per month(the protected earnings rate)

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How could they take money from your salary without there being a request for an attachment of earnings ?

 

I have attached the CAB fact sheet on attachment of earnings - what they can and cannot take.

 

http://www.adviceguide.org.uk/wales/debt_w/debt_action_your_creditor_can_take_e/creditor_takes_money_from_your_wages.htm

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

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4: Staying Calm About Debt  Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

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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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http://www.northampton.gov.uk/info/200028/council_tax/996/council_tax_attachment_of_earnings

 

This one I think shows how much they can take in relation to earnings.

 

It looks as though from what you say you earn £1,500 per month, they can take 17%

Have we helped you ...?         Please Donate button to the Consumer Action Group

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

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

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

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

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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I think that you will find that the CAPS leaflet does not refer to cases where a Liability Order has been issued.

 

There are many "fact sheets" on the web but I tend to use the only mentioned by "Citizenb" as it provides an excellent "calculator tool" which will use the information provided on line to calculate the amount of deductions.

 

PS: A local authority cannot have more than TWO Liability Orders operating at any one time.

.

.

http://www.northampton.gov.uk/info/200028/council_tax/996/council_tax_attachment_of_earnings

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