Jump to content

  • Tweets

  • Posts

    • Hi I am after some help and advice regarding issues faced with Advantage Finance   Ive dealt with it on my own up to now, but now feel im being fobbed off   I purchased a caravan last august on finance and had nothing but trouble with it from the off minor things - heating not working, hot water not working, toilet not flushing   Messaged the seller who just ignored my concerns basically so I had to pay another caravan engineer to look at the caravan to fix said issues   Upon the inspection the engineer found extreme damp in the frame and floor of caravan as well as the other issues mentioned above although this  could not be seen by the eye.   I immediately called the finance company and the seller to inform of findings and paid the £700 bill to fix the other issues. The engineer said the caravan was sold dangerously and not set up correctly. Hence why things never worked for us. We had only been out in it three times at this point due to work and family commitments.   Seller and finance company stated I had to pay for another independent inspection to go in depth with the findings at another cost of £75. I done this and provided both of them the report which shown even more damp than first anticipated to different areas of the van over 90%.   Finance company agreed to then send out there independent inspector who found exactly the same faults and drew up a report to send back. Finance company then offered seller chance to repair. Seller received caravan back from us and only took blame for the front part of the van and stated they could not find anything wrong with the rest. Finance company stated for them to fix the areas they take responsibility for.   Caravan was fixed and returned to us but I was still not happy as they didn't fix all areas, Finance company  agreed to send out another inspector to look.   Inspector stated the fix was not sufficient and not waterproof and basically a bodge job which I was fully aware of and stated the caravan now needs to be rejected due to the seller having a chance to repair and it not being sufficient. I thought ok great finally, Im winning. Caravan was collected last week and I then sent an email to the finance company thanking them for the rejection and that I would look forward to receiving my payments made over the last year towards the caravan, repair costs, compensation for lost holidays etc   They have replied that I am not entitled to anything and the £5000 in payments they have had from me will go towards the usage of the van, Research I had done up until this point all stated I would receive money back due to van not being fit for purpose? So i am very shocked and annoyed I have paid all that money and I am not entitled to anything back. I have tried to be basic here in what has went on so forgive me if It does not make sense. Any help or advice greatly receievd on next steps    I have told the finance company I am not happy to have lost all that money here is there responses Thank you for sending over the information regarding the caravan being collected and taken back to Newark Auctions.  We will now start the process of removing you from the existing credit agreement and will notify the relevant credit agencies to remove our entry from your file. This therefore removes any responsibility you have regarding this agreement. In terms of any refunds owed to you we have reviewed the account and there are no payments that need to be refunded. There were no payments made whilst the complaint was open and the payments made prior to the complaint being raised will be retained for usage. Whilst you advised us that you have not used the caravan, this was your choice and the caravan was available for use and in your possession since the start of the hire purchase agreement, it is reasonable that the payments that would have been due during that period are retained.  As a suitable resolution is in place we will now close the complaint.   I replied with -  Please do not close the complaint down I am not happy to pay for something that was not fit for purpose I will still be liaising with the financial ombudsman to seek out my refund. I also hold legal cover with my house insurance so I will commence court proceedings in regards to this complaint could you please forward me any relevant paperwork needed to inform you of this or if indeed this email is sufficient. I do thank you for rejecting the caravan on our behalf but do not see how I am not entitled to my refund. I was not Aware it had damp until I paid for service. Your inspector stated the damp was there at point of sale meaning it was not fit for purpose so how can you say I happily used it   They have just then replied with this Thank you for your email, However we must advise that based on the information provided we will consider the matter closed as soon as the caravan is confirmed on site at Newark Auction. A final response will be posted to you that will contain all the details of where the complaint can be referred to if you disagree. Kind Regards        
    • Its just that Dido can't add up,  She is to the Lords what Diane Abbott is to the Commons.
    • Outstanding Questions the Government need to answer   If Hancock and sercos test and trace has a (repeatedly claimed) capacity of 240,000/300,000 a day : Why are only 81,000 people a day being tested?   Every single minister that has claimed that capacity needs to be held responsible for an answer
    • Ok, thank you very much for your help. I really do appreciate it.
    • The CMA has today published further detail on its views on the law in relation to cancellations and refunds during the pandemic. View the full article
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Please note that this topic has not had any new posts for the last 2427 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

when you get the result in writing, appeal.


not much else you can do unless you want to get a restraining order against him

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

Link to post
Share on other sites

you need to ask a solicitor, and it will cost, but it will mean if successful he cannot come within x metres of you


No, he wouldn't be able to work with you

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

Link to post
Share on other sites

Academic what we think. Appeal!

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

Link to post
Share on other sites
i cant afford that. do u guys think it seems fishy how he is alowed to get away with all this


indeed i do if i take only your version of events, that said i've learned there are usually 2+ versions of every story when you take both sides opinion, emotions and especially interpretation into account.


that said if all of this is 100% backed up by evidence using the same words you have you can consider appealing the decision but i can only see two reasons for this


a) your manager is inexperienced in employment matters

b) what i said above

Link to post
Share on other sites

What I find worrying is that someone accused of violence is working in a care home. Presumably staff are subject to CRB checks, and of course he's innocent until proved guilty, but surely there has to be a duty of care to the residents.


Im not an expert by any means but having worked in a care home am surprised this person hasn't been suspended pending the outcome of the trial. Bullying staff is bad enough, but exposing vulnerable residents to allegedly violent staff is quite another.


Is the home regulated by the Care Quality Commission? If so I'd be inclined to give them a ring, even if it's anonymously.


What's Best for You?



The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.


Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007



Advice & opinions given by Caro 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.

Link to post
Share on other sites

What you could do is contact the police and let them know about the threats. They may well then issue a harassment warning.


If they do, then tell your employer, as they can't then continue to employ you both - and he could well be sacked.

Link to post
Share on other sites
  • 1 month later...

i am a witness in a case against a fellow employee. he has since sent me threatening text messages, and threatened me in town infront of other members of staff who have veriifed what i have said. i informed my boss of the texts and what happened in town and we had a meeting where i was told that

A. i shouldnt have brought the matter to work

B. i should not tell other members of staff what happened

c. i wasted managments time with the issue an just get on with it



also worth noting that the man recieved no punishment for this from manager. and that he has been warned by the police for harassing me. i dont feel able to work with this man as he has been convicted of serious charges in the past complying of abh assault drug dealing among others and i feel threatened in my workplace and i feel i have no managment protection due to him and my manager being good friends outside of work. what can i do and what are my rights please??

Link to post
Share on other sites

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

Link to post
Share on other sites

Three threads merged.


Please keep to the one thread. If you feel there is more advice you would like or can be offered, make a post and that will bring it back to the top.

Link to post
Share on other sites

You should tell her you lied.


you are not judge and jury, what you think does not come into this, you should only give an account of what you saw.


it is up to the people looking into the case to make a decision.


you have added information that is untrue, if believed it will stop the person getting a fair hearing.


I was in a similar situation, a work college was asked to attend a fact finding interview about an allegation against me and asked me what he should say. I told him to tell the truth and say what he saw, I asked him what he saw and he proceeded to tell me all about the alleged incident by way of gossip he had heard, I told him there was no way he had seen that happen and he agreed. I told him to tell what he saw.


If he had not spoken to me the case would have probably been proven against me from a statement formed from gossip/hearsay which was totally untrue.


For information the allegation against me was unfounded, witnesses should stop reading between the lines and thinking they are helping out. If you are a witness, say what you saw and don't add 2 and 2 together and come up with 5. You will(hopefully) come unstuck.


I would not think a statement taken by your employer will have any place in a court, the defence would have it thrown out .


However if your employer is aware by attending the court hearing that you gave her a different statement, then I would think she would want to speak to you.

Link to post
Share on other sites

I see from the other forum you posted on, that you now are saying you only thought you lied to your employer.


So is everything good now?


Very confusing, all these different threads, on different forums as well.

Link to post
Share on other sites
I understand you have seen your statement now and were imagining it all.


yes my statement is the same as i told the police. (truthfull). i just got confused as all.


whats happened recently is that he threatened me via text and then again in town in full view of 2 other colleagues. yet all my boss has done is this:- told me to forget the issue and put behind me, get over it, dont bring the issue to work again.


the police issued a stage one harrasemnt order. because he was harrasing a witness. yet our boss has done not one thing about it workwise. im not happy at this as what kind of message does it send out??? she also said that she dosent have to do a thing because it happened out of work. also worth noting that they have been friends for years.


iv had a guts full and ontop of this i was due for more hours come april but this has since been revoked, with no reason given.

i also recieved a christmas bonus of £5 whilst all other employees recieved atleast £20

Link to post
Share on other sites

Hi Sorry for butting in late,

Threats aside, by your own admission you are an `unreliable witness` and your inconsistent testimony in a court of law will be laughed out of court. best of luck

Link to post
Share on other sites

This does seem a strange situation.


I would class this as a work matter if an employee threatens another, whether at work or not.


Has he continued after the police warning, I would imagine he is on bail, doesn't this have any influence on the matter.


Since he hasn't been found guilty yet, your employer may be waiting the outcome of the court case.


regarding the extra hours and xmas bonus, I think I would want the reason.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...