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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.

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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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£5500 housing benefit overpayment. Please help! So scared.


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Hi again shoelover,

So would a £5500 overpayment not usually be classed as a high overpayment for the local papers? Our overpayment occurred in a different county and from a different council to where we are living now so do you think this could also make it less likely to appear in the local paper where we live now? Are you sure that as the overpayment was in a different area that the court case won't be held there?

Our local paper always has a double spread of 'around the courts' action and it usually includes drink driving offences/speeding which I would not class as really interesting. I do not condone drink driving though!

Also, what are the other circumstances that would make our case unsuitable for prosecution?

Thanks x

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Thanks shoelover, with regards to the overpayment being from a different council in a different county, do you think it might be likely that they will have the hearing where we used to live as the council may be involved?

Can I post another thread to see if anyone else has been in my situation?

Thanks again x

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Thanks shoelover, with regards to the overpayment being from a different council in a different county, do you think it might be likely that they will have the hearing where we used to live as the council may be involved?

Can I post another thread to see if anyone else has been in my situation?

Thanks again x

 

Hello there.

 

It's not usually a good idea to post a new thread about a current problem, what is your thinking please? We prefer to stick to one thread per problem unless there's a particular reason.

 

HB

Illegitimi non carborundum

 

 

 

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Thanks shoelover, with regards to the overpayment being from a different council in a different county, do you think it might be likely that they will have the hearing where we used to live as the council may be involved?

Can I post another thread to see if anyone else has been in my situation?

Thanks again x

 

 

The file would normally be dealt with I your new area & any court hearing (if it comes to that) locally. X

Please do not ask me for advice via PM as I will not reply.

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Thanks. Another few questions, sorry..

Have you known any cases of just a penalty/caution being given in our situation?

Have you dealt with any similar cases to ours and what was the outcome of them?

Thanks again x

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Also realistic how long do you think we will need to wait for the Iuc letter to come through? Baring in mind that the overpayment has already been calculated? Thanks x

 

That I can't answer.. It depends on workload & how quickly your council send it. They may decide not to.

Please do not ask me for advice via PM as I will not reply.

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That I can't answer.. It depends on workload & how quickly your council send it. They may decide not to.

 

Thank you :)

 

My mind is still going ten to the dozen, I can't sleep, eat or function very well. With 3 young children I'm finding that very hard. My OH is telling me to snap out of. He thinks they won't prosecute him as it was a genuine mistake and they won't want him to lose his job as we would then be on lots of benefits as we have three children.

 

I can't believe he's not worried, his name is on the claim!

 

I don't think they will care about him losing his job and us going back onto benefits??

 

Also someone else mentioned a change of name... If it came to court could OH change his name by deed poll and update everyone (court, council, hmrc , banks etc) but keep using his normal name with other people (just so work don't find out) also could he use a different address for the court things, so our address won't appear in the local paper?

 

We would lose our rented house if that was the case.

 

Thanks again x

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Hello there.

 

I know it's easy for me to say, but I think you have to stop letting this rule your life. Uncertainty is a tough thing to deal with and we're all inclined to think that things will be worse than they actually turn out.

 

I've had anxiety problems and been to groups to help me manage that. One of the things they taught us was to worry about the things we can control and to let go of things we can't control.

 

If you're helpful to the council and are as contrite as you are here, I think they will see that and make some allowances for you.

 

:grouphug: HB

Illegitimi non carborundum

 

 

 

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HB is right...

 

You have done everything you can and you are overthinking it & torturing yourself. You know that if it happens that you have people here who are happy to help. I doubt anything will happen this side of Christmas.

 

Whilst the uncertainty must be horrid don't let it rule you, or ruin stuff for you. You have made your mistake & are dealing with it. It's very obvious you are sincerely sorry.

 

Make a clean breast of it & tell the council about that other job. Keep the proof that you have to show that as soon as you became aware you did everything you could to put it right. Then take a deep breath & stick the kettle on. Put all this to the back of your mind.

 

Hugs xx

Please do not ask me for advice via PM as I will not reply.

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Thank you :)

 

My mind is still going ten to the dozen, I can't sleep, eat or function very well. With 3 young children I'm finding that very hard. My OH is telling me to snap out of. He thinks they won't prosecute him as it was a genuine mistake and they won't want him to lose his job as we would then be on lots of benefits as we have three children.

 

I can't believe he's not worried, his name is on the claim!

 

I don't think they will care about him losing his job and us going back onto benefits??

 

Also someone else mentioned a change of name... If it came to court could OH change his name by deed poll and update everyone (court, council, hmrc , banks etc) but keep using his normal name with other people (just so work don't find out) also could he use a different address for the court things, so our address won't appear in the local paper?

 

We would lose our rented house if that was the case.

 

Thanks again x

 

Court have to have a correct bail address.., don't do that!!

 

Honestly the decision as to prosecution or not takes into account a great many factors, if you are really worried go on the DWP website & read the policy.

 

Stop worrying though!!

Please do not ask me for advice via PM as I will not reply.

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  • 3 weeks later...

Hi everyone,

 

Thanks for the advice, it greatly appreciated.

We haven't heard anything yet, and I must admit I'm not doing to well at putting it to the back of my mind.

Every time the post drops on the floor I think 'is this it?'

I'm googling galore and terrified of it being in the papers!! Our relationship has been put under so much stress too.

This has all be compounded by the fact that I have just found out I am pregnant with our 4th child (totally unplanned!) this pregnancy is going to be very stressful!

I keep hoping the council will not pass the case to the DWP and accept our explanation but I don't think that's likely :( x

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Hi again,

Does anybody know how much roughly it will cost for a solicitor to attend an IUC? Then the magistrates court if it goes that far?

Just a rough estimate as I can't find any answers online x

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Hi again,

Does anybody know how much roughly it will cost for a solicitor to attend an IUC? Then the magistrates court if it goes that far?

Just a rough estimate as I can't find any answers online x

 

Unfortunately, that is a "how long is a piece of string" question

If you have found my post useful, please click on the star at the bottom of my post and add some reputation points.

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for me for benefit fraud (error not fraud by intent) it cost total of 700 quid for a solicitor who attended with me at magistrates court

 

Thanks Jason, did they also attend the IUC with you?

If you don't mind me asking what was your overpayment and sentence?

Thank you

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This was over HB overpayment and no I had an interview but I wasn't told as far as I remember that it was IUC hence no solicitor there then as far as I understood that was all this was initial and not what subsequently happened 2 yrs later cos they couldn't find me (changed address plus I didn't know I was being charged with benefit fraud) until all of a sudden 2 yrs later I got a letter at new address that I was and on the letter it said I would have to attend magistrates court over this matter.

 

so I did with my solicitor my housing benefit overpayment was just under or around 2k but with court costs the judge made it like 2800 pounds (gotta only pay back 10 pounds per fortnight as on benefits that was the ruling) and it was just a conditional discharge.

 

BTW it only went to court I think cos I went off radar for 2 yrs but I remember they initially just wanted to claw back the money not take me to court as the first letter I got about this said such but then due to unforeseen circumstances and chg of address I went off radar, forgot about the overpayment, did not make any further contact with them on this matter and only after these occurrences and after 2 yrs of trying to find me was it escalated to court.

 

hope this helps

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Hi stop panicking my brother was in the same situation as yourself he was overpayed by nearly 7,0000 he set up an agreement and payed them £30 a mth back . Every so often they sent him an form to see if hes income has changed he went down to working 16hrs per week so now pays them 10 per mth . They just try to scare you with the threat of court ect they sent brother same letters ect but he held hands up said look ill pay u back what i can afford and they were fine . Too be honest if it went to court the judge would say look hes made an offer to repay this is what he can afford end of story! There are thousands out there that owe more than you so stop worrying dont even bother seeking a solicitor you would be throwing money away just stick to the agreement you make with the council and do NOT miss a payment x

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