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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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Change to the Law 2013 - Compulsary payments till the child is 18 now!


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http://epetitions.direct.gov.uk/petitions/39367

 

Child Support Agency overhaul needed for sake of children and non-resident parents

 

Responsible department: Department for Work and Pensions

The current legislation for the CSA doesn't allow for living costs of the non resident parent. I've argued this point many times over the phone with the CSA who are not interested in the devastating consequences this can have for the children or as in most cases, the father as a result of this shockingly awful government agency.

This agency needs a serious overhaul and needs to put children first. That means a fair assessment of the non-resident parents income to include living costs.

At the very least I would expect the government to make special allowances for low income earners, to include specifically ignoring any overtime worked, as in most cases overtime is needed to make ends meet anyway.

And the government needs to involve and get the ideas of non-resident parents in this overhaul, as they are the ones suffering with the way things are currently done.

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http://epetitions.direct.gov.uk/petitions/39367

 

Child Support Agency overhaul needed for sake of children and non-resident parents

 

Responsible department: Department for Work and Pensions

The current legislation for the CSA doesn't allow for living costs of the non resident parent. I've argued this point many times over the phone with the CSA who are not interested in the devastating consequences this can have for the children or as in most cases, the father as a result of this shockingly awful government agency.

This agency needs a serious overhaul and needs to put children first. That means a fair assessment of the non-resident parents income to include living costs.

At the very least I would expect the government to make special allowances for low income earners, to include specifically ignoring any overtime worked, as in most cases overtime is needed to make ends meet anyway.

And the government needs to involve and get the ideas of non-resident parents in this overhaul, as they are the ones suffering with the way things are currently done.

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You have already said on another thread that you are earning more than they know about & you hope they don't find out. Don't you want to pay towards your childrens up bringing? I expect you're in the minority there which explains the lack of signatures. People come on here most of the time to ask fair questions. Not to try & swindle the CSA/PWC.

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You have already said on another thread that you are earning more than they know about & you hope they don't find out. Don't you want to pay towards your childrens up bringing? I expect you're in the minority there which explains the lack of signatures. People come on here most of the time to ask fair questions. Not to try & swindle the CSA/PWC.

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No ones trying to swindle

 

It's the Child Support that are crooks in every way

 

How dare they not include living costs, don't us father need money to live

 

It's just a vicious circle:

 

Fathers have to pay a ridiculous amount

Fathers can't afford the payments

Father leaves job because he can't feed or live by himself

Father lives on Jobseekers

Father has to get a job or payments will stop

............ And so forth

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No ones trying to swindle

 

It's the Child Support that are crooks in every way

 

How dare they not include living costs, don't us father need money to live

 

It's just a vicious circle:

 

Fathers have to pay a ridiculous amount

Fathers can't afford the payments

Father leaves job because he can't feed or live by himself

Father lives on Jobseekers

Father has to get a job or payments will stop

............ And so forth

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Hmmm not always the case. My 2's dad has been paying 240 quid a month through CSA for both of them for the last 12 years, it's never changed, even though of course he has had pay rises in that time, has lived with someone that works full time the last 7 yrs, yet I am pretty sure it costs me more to bring them up than it did 12 years ago lol I spend at least 200 a month running a car to get them to school (sons disability means he has to be in a school out the area, & no I don't get disability payments for him...

CSA don't know about the extra hours you work, so I don't see how THEY can be swindling YOU.

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Hmmm not always the case. My 2's dad has been paying 240 quid a month through CSA for both of them for the last 12 years, it's never changed, even though of course he has had pay rises in that time, has lived with someone that works full time the last 7 yrs, yet I am pretty sure it costs me more to bring them up than it did 12 years ago lol I spend at least 200 a month running a car to get them to school (sons disability means he has to be in a school out the area, & no I don't get disability payments for him...

CSA don't know about the extra hours you work, so I don't see how THEY can be swindling YOU.

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Sorry, no it cant be made a stikky - I can however, move the thread to the Campaign forums for you, you might find you get more notice.

 

Just let me know.

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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Sorry, no it cant be made a stikky - I can however, move the thread to the Campaign forums for you, you might find you get more notice.

 

Just let me know.

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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Ok, I have moved you to both Campaign and e petition forums. That should give you a bit more coverage :)

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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done.

 

Ive signed it as i split from my missus as she cheated on me. I love my kids, but i am being penalised for her actions. Where blame is on the femael party for a breakdown of a relationship, there should be a % reduction..............

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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Done x 2

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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