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    • Thank you for taking your time and helping me on this. Would you recommend I also send a letter tomorrow to both BMW and Motonovo?
    • she and  johnson need to be kicked off the taxpayers credit card - for starters I'm certain there is cause - taking up 'jobs' when they shouldn't, bringing the nation into disrepute with their antics .. I'm sure it would be a very popular act from a new labour guv
    • Please have a look at this draft letter. It is modelled on yours but I have cut out a load of the unnecessary information. Also, the responsibility lies with the finance company because the vehicle was brought on hire purchase. You send it to them and a copy to big motoring world.   Let us know if there's anything that you disagree with, which is wrong, which you think should be added
    • According to Alastair Campbell on Twitter, anti-Le Pen parties are pointing to RN's fiscal policies and saying they'll cause a 'Truss-style market meltdown'. Liz Truss charged taxpayers for Amazon Prime subscription - Mirror Online WWW.MIRROR.CO.UK The subscription costing £95 gives the ex-PM free shipping from the retail giant, as well as the ability to stream films and TV shows such as My Fault...  
    • Thank-you @BankFodder, your statement is a correct understanding of my position and I agree, it is actually really what I was looking for in starting this thread, as I too believed that the maximum I could claim for is that which I sold it for, even though this was substantially below market value at the time. And so, this sold value is what I shall be claiming for + the other expenses. @dx100uk I get your point, but this is just not what I want to expose myself to. Unfortunately I was one of the unlucky ones to have my details stolen in the Peoples Energy hack, and in 2020 I discovered that those details had been used to take out car insurance, and that the insured was then involved in a collision and my details were dragged through the mud. Despite Aviva cancelling the claim and treating as though it never were, even though I have the letters from them to say that they have removed this claim from the insurance database, I still get refused insurance and credit products to this day until I send across the letter from Aviva which explains that I was a victim of fraud. So you'll forgive me for not jumping up and uploading my data to a server utility for which I have no control over its retention policy, or where the server is located globally, its legal jurisdiction, or its security protocols.
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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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