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    • So, in short.    The laptop was bought new 2 months ago to take my Biomed year end exam, on 26th July.   It was also bought to have word for my dissertation.     The month to repair is the issue - I need a working laptop now for revision and exam in 12 days.    I did not think for one moment that it would expire at 2 months old - a terrible situation for a new one. I've been there this morning - they have taken the non working one to send off for 'repair'.  I've informed them that if it doesn't work or goes wrong again I want a full refund.  My only option today given the exam date was to buy another, I do not have the time to sit and wait sadly for a repair taking a month.  That was the issue - I did ask if they would honour £299 as paid before - they wouldn't.    I have paid £359 less 10%  - £323.10 that is all the Manager would do. Absolutely in future - will shop elsewhere.      
    • Briefly: Bought kitchen (£20000) July 2023 Promised 1 week fitting - took 5 Only drinking water was from outside tap, couldn't cook All sorts of problems deliveries, wrong parts, quality of doors, drawers not working, worktops de-laminating, none yet resolved Crux of the matter Wickes want to replace all the marble worktops - sounds reasonable That means no kitchen again for how long? They want us to accept a type of marble we didn't want in the first place and still don't want now, and they are not saying that they will make good any damage that may be done in the process We don't want this work done, we want them to leave the kitchen as it is and give us some compensation My wife and I are both in our 70's, I am disabled and we are both on heart medication, we don't want the stress and disruption again The ombudsman says we must allow Wickes to try again Advice please, is there any point in going to the small claims court?  Thanks  
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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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
      • 162 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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Mortgages and repairing poor credit.


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Hi there

 

Myself and my husband got into some financial trouble 5 years ago which lead to some defaults. As of next year all the defaults will be due to drop off our credit files. We currently have a mortgage with no arrears for the past 3 years. We really would like to move in the next couple of years and was wondering how long after defaults are removed will a lender consider allowing us to sell and buy? Is there mortgage brokers that WILL consider applications with poor credit?

 

Thanks

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You would need to approach a very reputable broker with access to the whole of the market

 

not one who is tied to a particular lender.

 

Much would depend on your income/ability to service the mortgage (the interest rate would be higher in these situations)

 

and the size of your deposit in relation to the loan.

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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If you're with a decent lender already it might be worth trying them again as they already know your history with them has been good for a long time.

The Consumer Action Group is a free help site.

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

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.

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As regards your current mortgage, you may wish to check the t&cs of your agreement, to see whether your current mortgage has a portability clause subject to your lenders current criteria

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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