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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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Husband on SSP..can I claim JSA? Confused!


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Hi,

My husband works full time, I'm a stay at home mum...but now looking for work and have been for the last few months.

We do claim tax credits but I don't actually claim a penny for myself as I'm not entitled to anything due to my husband working.

 

I also don't really know anything about the benefits system as before I stayed at home, I always worked.

 

My husband is currently off sick from work. He picked up a full wage on Friday (which is a month in arrears for sick pay) and has been informed that he is not receiving any company sick pay, just SSP and at the end of September will just receive that for the period 9th August to 5th September.

 

Which is going to leave us in a right mess financially.

 

My question is this....due to my husband currently only receiving SSP temporarily, can I claim income based JSA for the weeks he is off sick? As I'm pretty sure if we were both unemployed and receiving benefits, we would be picking up more than he will be getting.

 

Thanks for any advice.

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Your husband should be able to claim ESA to top up his sick pay, and include you on the claim. If he can claim, this would be a far better option than you claiming JSA and subjecting yourself to the sanctions regime unnecessarily. You may also be entitled to some help with rent or council tax - you would need to make a separate claim for this to the council, there's usually a link on their website.

RMW

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

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He gets £23 per week working tax credit and as he hasn't actually received the pay yet, I'm not sure what SSP is...whatever it is per week. He is off for a least a month, possibly more. Thank you for the comments. I have no idea what ESA is and I wouldn't have the first clue how to go about trying to claim any of these benefits.

 

He would probably return to work before they were all sorted out anyway.

 

Somebody suggested that we ask for a crisis loan when he receives his SSP. Is that a good idea?

 

Many thanks.

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Thank you, I also forgot to say...we have a 6 year old daughter. We get child tax credits for her. Are we better off going into the job centre and explaining the situation or should we wait until he actually gets paid the SSP into the bank and then contact them?

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Apologies about the confusion over ESA - I'd forgotten you can't claim at the same time as SSP.

 

Unfortunately, I think that unless you can get some additional help with rent or council tax, you may be entitled to nothing extra at all as SSP plus tax credits may exceed the income limit for receiving benefits. There's a benefits calculator here which will give you a reasonable guide as to whether you're entitled to anything http://benefits-calculator.turn2us.org.uk

 

If you're really struggling, e.g. with mortgage, bills, you should contact the lender/bank/supplier and explain to them as soon as possible. You may be able to take payment holidays or something like that until things improve. I don't think crisis loans exist any more, I have a feeling they've been passed over to councils to administer so the rules will vary. It can't hurt to try though - your local CAB might be able to point you in the right direction. As another suggestion, if your husband belongs to a union, are they able to help on a charitable basis? Finally, depending upon his condition, there may be other charities that could help.

RMW

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

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You would only get a few pounds extra in JsA if you claimed. You may be better off adding up what your husband's projected income is for this tax year (including SSP for the periods you expect him to be off sick) - if it will be greater than £2500 less than last tax year, then you can call tax credits and they will increase the award.

 

If you rent your property you may be entitled to housing benefit and should apply immediately.

 

You may also be entitled to council tax reduction, and should apply asap.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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