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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Help with college living costs?


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Hi. I'm 24 and looking to go back into education in September (by which time I'll be 25) to study Animal Behaviour.

 

I was told by a university this week that I would need either A Levels or an Access to HE course to allow me to apply.

There seems to be plenty of funding available for university students,

but I can't seem to find any for full time college students,

as you can not apply for student living grants/loans until uni.

 

I am living away from home and have been claiming ESA for a while now, but that will be ending soon.

I know I can get a loan to cover the cost of any course and exam fees (from 24+ Advanced Learning Loan),

but does anyone know of any help with living costs,

or even any benefits I can claim whilst at college to pay for rent, food, bills etc?

 

I don't know if this is the right place to post this thread, or even if anyone here can help,

but I thought it was worth a shot as CAG has been very helpful in the past,

and I'm struggling to work out what to do now after being turned down by the university.

 

 

Thanks.

 

Matt.

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student finance is a specialised area, and usually the best people to get advice from would be Student Services at a local college or uni

 

just a thought (which maybe others can answer), is it possible to get student finance if a person goes down the foundation degree or HND/HNC route rather than A level/Access to HE route

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Thanks for the reply.

 

Student finance is available for a foundation year, but that is apparently what I need A levels to gain access to! Considering they are supposed to be encouraging people to go back into education, they make it incredibly difficult to actually do!

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I found the best people to talk to were the welfare rights team at the Students Union. When I spoke to student Finance they were very prescriptive but the S.U. were able to explain things more flexibly. Are you coming off ESA because you are better or because you have been forced off? You can qualify for ESA if you are a student .

Any opinion I give is from personal experience .

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Thanks for the info Fletch70. I'll look at contacting the S.U.

 

I won an ESA appeal around 12 months ago, which they said would be reviewed in 12 months, so I'm guessing it's due! I still don't feel fit for work but I very much doubt they will let me stay on it. Do you know of any other options if they won't let me stay on ESA?

 

Estellyn, unfortunately the courses I need to do to go to uni aren't available as part time at my local colleges. I'm in contact with the uni and every alternative part time course I have suggested would not be enough for them.

 

I'm very grateful for everyone's help.

 

Matt.

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Could you perhaps do an OU foundation course? They don't have any entry requirements and it would prove you can cope with the level expected of a degree course. At 25 are you considered a mature student as they're often rather more flexible about entry requirements then.

 

I do know that there was no funding available and no benefits available for my stepson during his final year at college prior to going to uni, other than the bank of Mum and Dad of course. It's a bit of a gap in the system, if you're too old for child benefits/credits the only funding available is for degree level study.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Matt

All I can say about ESA is don't accept defeat until the fat lady sings!

You know the system better now, when you fill in your claim form I assume you still have your appeal decision and if things are still the same you will know what approach to take.

 

I do know the rules are very complicated and depends on if it is full time or part time . I am sorry I can not help more.

Just a thought, is it the subject that really interests you or is it the thought of education?

I am twice your age (oh how patronising that sounds lol) but am in my first year of a BA in social studies. I am probably one of only 2 or 3 people on my course with A levels

Any opinion I give is from personal experience .

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Thanks Fletch. It's the subject that interests me really. I've finally found something I want to do and I think I'd be good at, yet I can't do it because there is no support to do so. Seems ridiculous to me.

 

No apology necessary! I appreciate the help :)

 

reallymadwoman (love your name!), The OU course may be an option if I can stay on ESA whilst I do it. I didn't realise student funding was available for OU degrees. However to apply for that, they need my NI number, which means the benefits will probably be stopped anyway! But it's given me another option to look into, so thank you.

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My daughter claims benefits and does OU study. Even if you're on JSA they accept it as part time, so you can still claim JSA so long as you meet all the other conditions or ESA as it's all done from home. The only funding is for the course fees themselves plus daughter gets a small amount toward books etc, though it does more than cover the cost.

 

As has been said, hope for the best with your ESA until they actually stop it - in view of the backlogs at the moment they may not even get around to you for months. If it is stopped and you have to sign on for JSA you can carry on with your OU course until you've got enough to get you onto your preferred degree course.

 

Assuming the courses haven't changed drastically since I did mine (unbelievably, it's now 25 years ago!!!) it's very accessible and not over demanding of your time. Daughter seems to be doing ok with no obvious effort at all. I'm almost sure she only reads the bits needed for assignments unless she's doing an awful lot of work at night!

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RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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I applied for my first year of funding last May, benefits were only affected after I actually received the first payment. I still get underlying ESA but because my income is above the limit I get no money. It does however trigger Housing Benefit and you get the special support grant instead of the normal grant. All that means is that you get the full loan (which has to be paid back) as well as the grant

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Any opinion I give is from personal experience .

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Fletch, when you say it triggers HB, do you mean they won't pay?

 

Also do you mind me asking whether you're doing a full time, part time or OU course? And are you working as well? I'm only asking because I didn't think you could get the extra living loan or grant for OU?

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I didn't realise student funding was available for OU degrees. However to apply for that, they need my NI number, which means the benefits will probably be stopped anyway! But it's given me another option to look into, so thank you.

 

Just to pick up on this, your benefits won't be stopped or otherwise affected simply because you make an application for student funding. Of course, if you do start a course and receive funds that may be different (as others have said) but don't be put off making applications just because they ask for your NI number.

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Fletch, when you say it triggers HB, do you mean they won't pay?

 

Also do you mind me asking whether you're doing a full time, part time or OU course? And are you working as well? I'm only asking because I didn't think you could get the extra living loan or grant for OU?

Matt

Hb is not normally paid to students as you are expected to pay your housing costs out of your loans etc, there are exceptions. Having children is one as is qualifying for ESA. Obviously there is no guarantee that you will get full HB that depends on what you have coming in but with ESA once classified your weekly living allowance is higher.

 

I am doing a full time University degree over 4 years , the fact the Uni class it as full time is enough as with a degree "contact hours" might only be a few a week but actual hours spend studying are a lot more

Any opinion I give is from personal experience .

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But if there are no loans available through the Open Uni then they should surely pay HB as long as I can claim either ESA or JSA, have I got that right?

 

Thanks for your patience by the way, my head is all over the place with this!

 

Antone, thanks for that. Can they not class me as fit for work if I start enquiring about uni courses?

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