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    • Hi  Letter was amended and sent recorded delivery on Saturday I have also stopped using the car and emptied it out waiting for him to collect...
    • Hi, I’m hoping someone can help me understand what is going on with my mortgage lender. I fell into 4 months arrears but have a repayment arrangement in place for the mortgage amount & to clear the arrears this was arranged by another organisation who work on their behalf.   I have now received a court hearing date letter for 20th December for a possession hearing and I’m really confused as to why I’ve received this. I’ve contacted the organisation I arranged the repayment plan with but haven’t had a reply yet.   What is the best thing for me to do now to get this resolved? 
    • It is at the dealer that performed the service that identified the issue. I have not moved it, because even if I wanted to I came drive it now knowing what I do. I told the finance company sitting in the dealership reception.   I did not decide to take it for repair to a garage near me. I had no idea this was there until it was shown to me. I have also straight up asked them if they are happy where it is and they said yes. I have incurred no further costs outside the initial service it was due, that I have obviously no intention of claiming back.    to summarise facts: I purchased a 2015 car on HP for £31,980 in July from an independent dealer. The car has full main dealer service history and had done 36000 miles Car went in for its 6 year service at my nearest main dealer on 25th November When it came to change the spark plugs, coolant was found in the spark well for cylinder 7. I saw this myself. Could not definitely say what it was caused by (apart from the obvious - a crack) as no one had seen a similar fault so performed more diagnostic tests. I contacted finance company via their live chat informing them of issue- yes I have a transcript. Was told a complaint was raised and they would be in touch. I then went home. when I got home a form had been emailed to me to fill out that asked questions such as what I had done so far, where it is, what resolution I would like and other needless things like was it taxed or insured. I completed and forwarded the form Dealer diagnosed a crack in the cylinder heads water jacket the next morning, causing a slow leak under pressure. The dealer did not charge for the diagnosis. I asked the dealer to email me a report. I then forwarded this to the finance company with an updated version of the form sent the previous day. The following Tuesday I got an email saying they tried to phone me and asking, I quote “I understand you were in the process of getting a Diagnostic Report completed on the vehicle, please can you send this into us so we can forward this on to the dealer to investigate?” To which I sent it again, informing them I sent it the previous Friday  I contacted their customer services to ensure receipt, getting through to my case handler appears impossible. They said they had. Not having heard anything I finally managed to get through to my case handler last Thursday. They say they are waiting on the dealer. At this time I said I am raising it under my credit agreement with you to be told “ we do this everyday we need to hear from them” I get an email back, back peddling a bit saying  “Further to our conversation, we have forwarded the information and report you have sent in to the dealership <name>.  We are jointly liable with the dealership for the issues with the vehicle, however as we don't have a work shop to repair the vehicle, we give the dealership the responsibility and a single opportunity to repair the faults. Once the dealership have reviewed the information we have provided, and we receive a response from them, we will contact you to update you. ”   I then received a phone call where I was told they need their engineer to inspect the vehicle, I asked if that was necessary as they already have a report for a pretty simple fault. I was told yes. I then said I insist on being there for it. I also confirmed if the car is ok where it is. I followed up with an email summarising our call and haven’t heard anything since. I don’t want to be bent over here, nor do I want this to drag on. So I am not keen on waiting eons for the local guy from the pub to inspect it then get his mum to write a report which evidence points to being the quality delivered from the engineering company they use. I may be over cynical here but I’ve already had one crappy bit of news so why not more.   If I have to pay for it myself then try claim it back I’d probably go down a more legal route. What is a reasonable time frame to agree that the solution is to fix a crack in a lump of aluminium?    
    • This discussion has become rather stop start – mainly, I suppose, because of the difficulty you have had in getting quotes. However, could you just sum up here the cost of addressing all of these defects – and how much have you paid already?
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dog adoption


grahamroo
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I have what is probably a odd situation, if someone could advise or help i would be most grateful. My wife has been working voluntarily for a dog rescue, she was fostering a dog then we decided to adopt, the fee is £165, we have paid £95 of this through weekly payments to make it more affordable, now the person whom runs this rescue has fallen out with my wife and said shes taking the dog back! where do i stand legally? if at all? this has upset the family greatly.

 

No paperwork has been signed, its seems to have been on trust, all receipts of payments ie bank transactions i have.

 

Any advice would help

 

thanks

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So how exactly do they plan on getting the dog back and what reason have they given ?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

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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

:p

 

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 far as I know they just plan on sending Joe bloggs in a car. A volunteer to do so. As for reasons they are just petty a disagreement, fall out where the so called manager is always right and beyond reproach and selfishly acted in this way.

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Then personally I'd be politely telling joe bloggs that you aren't handing the dog over without evidence of his legal right to take the dog from you.

 

Are you in a position to pay the balance of the fee?

 

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

:p

 

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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Has there been any paperwork at all, for fostering or adoption?

 

Is this a proper charity?

 

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

:p

 

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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This would eb a tricky one without paperwork.

 

Which means it would come down to your word vs theirs

 

What does help are the payments.

 

These payments indicate on the balance of probabilities that commercial arrangement existed.

 

I would advise everything be done in writing now. Maybe a letter confirming the remaining repayment dates and amounts to the charity etc. recorded delivery as well.

PLEASE HELP US TO KEEP THIS SITE RUNNING

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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.

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Agree with SS to keep it all in writing.

 

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

:p

 

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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I could imagine this one being on Judge Rinder =]

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

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.

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thanks for the reply's, i am starting to agree with the judge Rinder comment ). I have done some digging on this i went on the charitycommission.gov.uk and it is not listed there, And i cant find a official address for the organisation, it seems to be run from a facebook group/page.

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Anything at companies house?

 

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

:p

 

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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Dogs trust charge £100 and the dog is neutered microchipped, vaccinated etc.

 

https://www.dogstrust.org.uk/rehoming/faqs/

 

What do you get for adopting from these people for £165.00?

 

I'd be inclined to write a letter confirming the agreement you've made, and details of what has been agreed so that you have the start of a paper trail. Advise them that you intend to abide by your hitherto verbal contract and will be keeping the dog. Any future communication should be in writing, and any alteration they wish to make will need to be agreed with you in writing and that if necessary you will take legal action to enforce it.

 

Send it recorded delivery.

 

Then if they want the dog back (which you'll only acknowledge if in writing) you will want back the money back that you've paid and costs for its care before returning it. Keep that bit up your sleeve if the letter doesn't work.

 

Just an idea. See what others think.

Edited by caro
  • Haha 1

 

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

:p

 

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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What I don't know is if this set up needs any sort of licencing or registration. May be worth a phone call to the RSPCA to see if they can advise.

 

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

:p

 

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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There are all sorts of people call themselves 'rescues', some of them are very good and some of them aren't. I've got a feeling the local council are the people to contact to see if there is any need for licensing.

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Thanks hightail. :)

 

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

:p

 

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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Don't let her bully you.

 

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

:p

 

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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