Jump to content

  • Tweets

  • Posts

  • Our picks

    • 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
        • Like

financial hardship & severe mental Health-URGENT ADVICE NEEDED PLS

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3233 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

Hello Everyone,


I hope this has gone in the right thread

Im really hoping for some great advice here, - Although i'm confident i will receive it,


Im writing on behalf of my sister. Here is some background information which will help picture our crisis.


My sister is 27, a qualified staff nurse, caring, loving and kind.She has fibromyalgia a chronic widespread musculoskeletal pain and fatigue disorder

When she first started nursing she was put on HDU

a high dependency ward, A highly stressful ward when first qualified. In time my sister became depressed and was put on anti-depressants, But also moved wards to somewhere she was happier.She was on these for 5 years, In between this she had a long term boyfriend, Whom she loved very much and was her one and only boyfriend so never knew any different.


He cheated on her 3 times She found out and left him, Then when she was at a low ebb he wore her down and begged for forgiveness, This went on for a year until she finally gave in. Whilst they had been apart he had found another girlfriend who became pregnant, My sister accepted the child and they were ok for around a year or so, Until she read through his emails and found out he had been messaging and meeting tran-sexuals. This obviously devastated her, she questioned his sexuality and couldnt understand what was wrong with her. She had to go for all the sexual health tests, saying thats she felt dirty and that no one would ever want a relationship with her again as he had passed herepes on to her.


In November 2014 she was signed off sick due to the fibromyalgia and trauma she had just suffered. She was put on Sertraline antidepressants. as well as this she was also take Amitriptyline, for pain( but is also used as an antidepressant)

Zopiclone as she had trouble sleeping, gabapentin a painkiller used for the nervous system, and Diazepam.


2 months ago she came out in an angry rash on her face, She went up to A and E with my mum, Whilst waiting to be seen she fainted, and banged her head that hard she was knocked unconcious.


Her mental state has since got gradually worse and we now have the crisis team coming out regular with a physiatrist who has now diagnosed her with hypomania, and was very close to being sectioned if it hadnt have been that my parents are both at home every day.


Her mood fluctuates between aggressive, emotinal and manic, She often wanders off without telling anyone and is a danger to herself, She is very confused and cannot be left alone. You cannot have a conversation with her because they are so random you cannot make head nor tail of them.


She is still off work now and it has been 7 months. She is too poorly to go back to work but The hospital are pushing and pushing and now has a final meeting on the 22nd june for a final outcome as to what it to happen, My parents have not told my sister this yet, but she wouldnt be well enough to attend this anyway.

Her sick pay has now reduced to £81 a week and she cannot afford to live. She has a large amount of outgoings that need to be paid for, She is still living at home with my parents but they are both self employed with very little income coming in to this house.

My parents outgoings are around £1,200 a month and my sisters the same.


Here are my sisters outgoings

Credit card with Barclaycard £160 a month-* Due at the end of June

Credit card with Halifax - £130 a month Overdue by 2 weeks

car finance payment £110 ( Due the next fortnight, Taken over 4 years with Black horse. 1 year owned.

Gap insurance for the car and service plans £60 due around the next fortnight

Phone bill 02 £40 month

RCN ( royal college of nursing payment ) £20 monthly Due in the next fortnight

Tesco bank Loan £300 Due in the next fortnight

Halifax bank Loan £300 Due in the next fortnight

Overdraft £1,200 Santander


So in a nutshell If you could help with the below questions i would be so grateful, As i really want to help my parents and sister but im not sure where to start.


1: What rights does my sister have with regards to her job as a nurse? Can the NHS sack her?

2: What can be done about the incurring payments due to be paid with credit cards, loans, finance etc can be done?


I really appreciate your time taking to read this and any help would be so gratefully received.

If i have missed any information out that would be needed please ask.

Link to post
Share on other sites


re debts, difficult to say.

one option cld be to try get payments reduced/frozen, with interest frozen. you'll prob have to supply income and illness details before they'll consider.

another cld be to try get some written off due to long term illness.

or possibly bankruptcy/debt relief order if applicable.

have you spoken to the likes of citizens advice and national debtline, see what they suggest.


further input should be along shortly, bump for you :)


ps, there are guidelines re debts and mental health which all creditors should abide by. will try find and post up.

Link to post
Share on other sites

You need to write to all the creditors immediately. Advise of severe health problems and that assistance is being sorted from the National Debtline. Advise it is not possible to meet contractual payments - so if any of the payments are being made by direct debt, these should be cancelled immediately. The lenders should all give your Sister at least 30 days grace whilst she makes contact with National Debtline.




You can also telephone on their free helpline.




Call us for free

debt advice on

0808 808 4000


Monday to Friday

9am to 9pm

Saturday 9.30am to 1pm




WE have draft letters in our CAG library that you can send - the one below asks the creditor to accept £1.00 token payments for a while whilst the "debtor" attempts to sort themselves out.





You will find that National Debtline will also have something similar - IMHO, either your Sister, or you on her behalf - she will have to give permission for you to do that, needs to speak to an advisor and they will find the best option for you.


You might have to keep up with her RCN payment as that will enable her to continue working if and when she is well enough.


You MUST set the ball rolling as soon as possible.


Then, you need to look and see if any of the accounts have Payment Protection Insurance (that might have been mis sold or at the very least be able to claim on). Are there any default/penalty charges ? These can be reclaimed.

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


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.


Link to post
Share on other sites

You may also want to test the enforceability of the debts and for reclaimables.


1) CCA request esp the credit cards and loans

2) IF there have been over limit charges and late payment fees on the credit cards you may want to see if its worth spending £10 each to get ALL the info by using a Subject Access Request. Also helpful if trying to see if there are any PPI on those debts too.








The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Link to post
Share on other sites

yes, forgot about seeing if there is any missold stuff to claim back etc.

also has any Irresponsible Lending taken place.

theres lots of info re 'debt and mental health'. googly that to see.

see also the FCA handbook

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...