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    • 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 and 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
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
    • Thanks ,DX, I'd forgpotton about that letter and can't remember sending a SB letter. I must have left it and they did not chase. Unclebulgia. Yes several periods of no contact. Think its time for the SB letter . 
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    • 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
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Password managers - what's best?


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Anyone like to express a view on password managers - what is best/easiest/best value etc etc etc.

 

Ta

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Best ... your brain

worst ... using a manager

 

if a manager is cracked then you Lose all

 

Keep them in a card index file next to the monitor and locked away when not in use.

 

I agree 100% with that. It is not safe to store things like that on a pc. A daily clean with Ccleaner should be on the cards and that will remove all passwords if you tick the box.

I bet if you did a scan with Spybot you would be shocked at the amount of spyware or potential spyware or Pups there are on your system.

 

The latest Vodafone break ins was not through a hack but because they had email addresses and passwords.

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Isn't the system based on the idea that the password manager encrypts everything, and also that it regularly changes passwords on your behalf and applies them automatically.

 

The only key to decrypting all of the passwords is a single word which you carry in your head and without that, all of the passwords are lost.

 

If something went wrong with the password manager for if you forgot your master keyword then you would have to go through the laborious business of setting new passwords for everything using their normal password retrieval/forgotten password procedures.

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@Bankfodder

 

Been there and never go there again. Lost the password of the manager and had to spend days chasing sites for passwords. Worst one is Facebook, you are required to send proof of identity to them.

 

@Coniff

 

I use something called VeraCrypt to encrypt a small hidden drive partition of about 2Gb and all my mail and documents relating to finance and then hidden from view. If secutirty is a fear then I would seriously look at this one. Many say that it is better than the one that comes with Windows 10 Professional etc. I do not use it for passwords as it is too much hassle to initially load VeraCrypt, but once opened it stays until it is dismounted.

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  • 3 weeks later...
  • 2 months later...
Best ... your brain

worst ... using a manager

 

if a manager is cracked then you Lose all

 

Keep them in a card index file next to the monitor and locked away when not in use.

 

It's 2016 and people still use their brain? Fossils!

"Ask not what your country can do for you, ask what you can do for Poundland"

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  • 2 months later...

I use LastPass. The amount of passwords i had to remember/ write down was far more unsecure than LP could be esp with 2F authentication. I have this still with my PW's inside LP and form fills such as Gmail and windows volume licencing. Now most of my 150 most used passwords are incredibly complex and in the event of abreech, i can change my master instantly. i find that the die-hard-anti-cloud/ software password peeps forget that most leave their passwords written down for colleagues (most of my users tell each other theirs!) or their families to see and this is nuts! If everyone just had the one they never told anyone, in general, more would be protected..... i even push out LP addon and keepass for my users in a futile attempt to keep passwords off monitors with bluetack! :!:

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... i even push out LP addon and keepass for my users in a futile attempt to keep passwords off monitors with bluetack! :!:

 

Another vote for Keepass. Useful points/advantages:

 

- One extra long password for accessing it that you do not use elsewhere. Keep it in your head. Do not move purely to this until you have used it around a dozen times and are confident you can remember it. Then destroy any written version. You will remember it quickly as you'll use it every day you use your computer/logon to a website.

- Every other password can use a 10 word diceware created password that is unique and you don't have to bother remembering it.

- Add-ons for Chrome/Firefox mean your username and password are entered automatically whenever you visit a page for which you have saved your details previously. Logging in is quicker and without using keystrokes.

- Add-on for iOS (in conjunction with Dropbox) means you can access your Keepass file (using the password as described above) anywhere 24/7.

- You aren't using the same password for multiple sites, so if a website is hacked or user details stolen, none of your other logins for other sites are compromised.

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Another vote for Keepass. Useful points/advantages:

 

- One extra long password for accessing it that you do not use elsewhere. Keep it in your head. Do not move purely to this until you have used it around a dozen times and are confident you can remember it. Then destroy any written version. You will remember it quickly as you'll use it every day you use your computer/logon to a website.

- Every other password can use a 10 word diceware created password that is unique and you don't have to bother remembering it.

- Add-ons for Chrome/Firefox mean your username and password are entered automatically whenever you visit a page for which you have saved your details previously. Logging in is quicker and without using keystrokes.

- Add-on for iOS (in conjunction with Dropbox) means you can access your Keepass file (using the password as described above) anywhere 24/7.

- You aren't using the same password for multiple sites, so if a website is hacked or user details stolen, none of your other logins for other sites are compromised.

 

I am one of those people who say that if you have to save it to a computer or in the cloud then any password can be broken, hence i will not use or save any passwords on my PC or in the cloud. It is much safer in a card index system which can be locked away safely in a drawer each and every night.

 

A password is only encrypting the contents and if the FBI can hack the IoS then I ma sure that there are people without that full knowledge that can hack a saved password safe. Have the safe hacked and you lose the lot.

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