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    • I don't think that you have told us when you bought the car. However, you have referred to a conversation in which they apparently told you that the MOT had been carried out on 11 November so that suggests to me that you bought it after that date. Although it seems as if you are dealing with quite a dodgy crowd, you may as well go through the paces of asserting your proper rights. Because you have discovered this issue within the first 30 days – you can add to the strength of your position by sending them a letter asserting a right to reject the vehicle under the consumer rights act. If a car manifests a defect within the first 30 days then you are entitled to reject it out of hand with no chance of repair but you must assert your right in writing. Send them a letter immediately – recorded delivery – informing them that you are rejecting the vehicle and telling them on what grounds and say that you are asserting your rights under the consumer rights act. It won't make a whole lot of difference, but later on if you find yourself having to take court action, then it will all help. Please let us know when you have had the AA check. Meanwhile, I suggest that you contact me at our admin email address and let me know the identity of the garage and any other identity clues that you have unearthed. It may enable us to give you additional help
    • Assuming you're correct about the limitation running from the last date of deferral. The last deferral was in 2013 so the statute barring period would end on 31 August 2019, the money claim was made on 3rd June 2019 so is within the limitation period. Therefore the debt is not statute barred.
    • I agree with my site team colleague @slick132 but with variations. These people have been needing you around and cause you serious harm in terms of the amount of effort that you have been put to as well as the damage to your credit file. You have taken all sorts of different stories and also been misled by them as to their statutory obligations in respect of data disclosures. It has taken the issue of court claim to get them to make any move. You have taken control of the situation and it is you who has the whip hand at the moment. They are now proposing to telephone you to discuss the matter in some way – but you have no idea. Also, you have no idea who you are going to be speaking to and whether they have authority to commit Virgin to anything at all. If you agree to this phone call then you are at risk of handing control back to them because they will partly ask you to withdraw the action and they will also offer to make a payment as a "gesture of goodwill". Now that you have attracted their attention and they realise that something needs to be taken seriously, I don't think you should let go of the initiative. Please can you post up the email which you received from them. He was it from and what is that person's role within the company. I think you should write to them and refuse the call and tell them that you are happy to discuss matters that you will want to know what it is they think they have to discuss and who will it be who will be phoning you – and will that person has any authority to make decisions. I think should also emphasise to virgin that they are already in breach of their statutory duty. That if they decide to file a defence that they will have to sign it is a statement of truth subject to a sanction for contempt of court and that as they are clearly in breach of their statutory obligations, it would not be possible for them to sign off such a statement of truth and if they do, then you will bring the whole thing to the attention of the court and invite the court to express their own opinion on the matter. I think it's very important that they tell you in advance what they propose to discuss. I think you should tell them that if they're not prepared to disclose the purpose of their phone call and the points that they intend to cover and if the phone call is not made by somebody at a suitably elevated managerial level, then you are not prepared to discuss the matter. I'm afraid that I'm struck by the naïveté of your statement which I suppose is intended to be assertive.   Haven't we reached a point yet where you understand that you can't trust these people and although you may discuss various things on the telephone, if they then are required to minute the conversation and provide you with the resume of the conversation, you are handing them carte blanche to present the conversation in a way that suits them together with nuances included or removed, and generally slanted in their favour. They might not – but you are certainly opening up the possibilities and if that's what they do, how are you going to counter them and say that they have not correctly recorded what you discussed and agreed? You seem to be doing everything you can to keep on handing the baton back to Virgin. I have no idea why. You should not get involved in any telephone conversation unless you have first read our customer services guide and you are recording the call for your own benefit. If you cannot do this or you are not prepared to do this then don't take the call at all. Please will you post up the email that you have received, let me have your comments on what I've posted here and if you agree we will draft a response. You might like to start. Apparently they are proposing to telephone today and so we need to get a move on. If they happen to telephone before you have received a written reply to your message, then you should simply tell the caller that you are still waiting for their response to the email which you sent a little while earlier and you're not prepared to discuss anything until you have their written reply to that.
    • Well done on getting your refund and thanks for the update. I understand that you are still out of pocket. If you would like to get that money back and we will help you and I think it will be fairly straightforward. The amount of money outstanding is scarcely worth his while causing any trouble. It would be very helpful if you could post up a link to the new advertisement and also do you have any pics of the car and also its registration number please. I think we owe this to possible new owners in case they come to this forum.
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Cleaners-My Goodness it is backbreaking.Are you a cleaner tell us your story-how you feel.


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Cleaning Jobs.

Well old Tawnyowl decided due to one of my entrepreneurial adventures not moving fast enough yet to pay all the bills to do a little work in the evening.

Not in perfect fitness but can graft flat out for a few hours before tiredness creeps up.

So thought to myself i know you need work in the evenings or early morning,you will become a office cleaner owl,that is the answer to your problem.

So managed to find one,negotiations were held,prices set and went for it.

 

I work with another person in this adventure who is far more experienced than myself.

Has been a caravan cleaner on holiday parks,done deep cleaning,govt work,and massive stores.By themselves.

Female.

Now do not forget i have worked in construction,go to gym perhaps 5 days a week,just a little exercise that is all and used to hard work.Or thought i was.

 

So let us see what i do.

Windows,boardroom,hallway,3 toilets,male female,and disabled access toilets.

Big 30 metre office,empty baskets,clean desks,hoover.Mop floors.

Kitchen,clean fridge,micro,anything in there really,work surfaces,any washing up,clean sink,empty bins,mop floor.

Other office,20 metre square.Same procedure.

Make sure all cleaning materials are bought and correct for the purpose.

Now someone who does cleaning will understand what that entails

 

I tell you this,i come out of those offices aching from head to toe,can hardly walk never mind talk.

And after a short while and looking around i see that most cleaning jobs are paid minimum wage.

I feel cleaners are very underestimated for the work they do.Vital to a business.

 

Been in some places where you think,how quaint nice grey sinks only to find out they are white really.

Some places have not been done for months.Perhaps years on outsides.

Nice when people,and they do say ,hell what a difference you have made.

 

So any cleaners out there i now know what it entails and how hard you work for your money.

And maybe you then go home and clean there as well.

If you are a cleaner,anywhere let us know how you are doing,what you do, and how you feel about things.

If you have the strength to write.

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I have never done cleaning as a job but I know people who pay £11 an hour to have their house cleaned Tawny. One hour a week but the cleaner insisted on doing a 2 hour deep clean first in the already spotless house. Said cleaner tells them what cleaning products to buy.

 

The cleaner was recommended to them and now does half the street.

 

Maybe house cleaning would be more profitable, especially if you do a good job and build up a few to do.

 

Downside for the customers is the cleaner is soon off to Brazil for a 4 week holiday!!

 

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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Thanks for the reply Caro.Always nice to hear from you.

Forgot to put in reception area plus mirrors and recycle rubbish and put in correct bins.

The person i do cleaning with has done house cleaning but had a pretty bad experience.

Went to one in poor condition.Not been done for many a month.Or years even.

Nothing wrong with that, that is what you pay for,soon bring it up to scratch,deep clean as you say.

Then go perhaps once a week.Then what did the person say.It is ok now we do not need a cleaner anymore.Used.

Probably just a bad egg amongst the good ones.

 

Similar to myself,when short of money once i set up a window cleaning business.

Took some of the hardest jobs in the area.Dragged ladder up fire escapes,the lot.

Did one you could hardly see through,flaming hard job and high. Did the deal once every two weeks.Agreed.

2nd time it is ok,we will manage now.I did them and told them not to take the mickey.

Then ditched the job.Never the same once a customer tries it on.

Should have chosen Bungalows.Now they have the water fed poles.Luxury and safer as well.

Just watch out for washing lines etc in back gardens,ha,nearly choked myself a few times.

 

But now i am 60,still able but not as easy if you wanted one a job. Been self employed for nearly 40 years.Scraping along.

11 Pound a hour is a fine amount to earn,in my area anyway.Especially if you get a few houses in the same area.Reduces travel costs.

I will look into this over the next few weeks.And of course still keep the office side,maybe increase even.We will see.

Probably it is getting used to it,using different muscles,perhaps.It is non stop.

Do not get me wrong i have the key, no one around you could skip through,sit around but not the way i like to do things.

And you are trusted.As a bloke,nice to see the offices gleaming.

And the office workers who are leaving as we arrive are pleased as well.Which is nice to hear them say so.

Creates a warm feeling of satisfaction.

 

4 week holiday in Brazil,nice and hard earned.

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I think the trust is part of what you pay for. I know the cleaners where I work do a great job. It's a large converted 3 storey house with lots of stairs, and 2 cleaners have 2 hours.

 

Respect to them and to you tawny. I'm sure you do a great job and not one I'd like to do, especially as there are some messy so and so's around who don't consider that others have to clear up their mess.

 

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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Been thinking about things.I reckon with knowledge gained in business over the years i could expand,employ others in this field.

But deep down have other coals in the fire,if only they would ignite.May well do that in a strange way.

Work with Driftwood now.

Leave business to the youngsters out there.

Next ten years or more going to do what i want to do.Body seems to be slowing down a little,just a little.

Been on my feet for over 40 years.Gyms,martial arts,fighting,training,construction.

 

Just this cleaning business surprised me,wondered what people think out there.And what they do.

Sheer graft and for most low pay.

Should in my opinion be paid more,others not myself.

Business expense after all.Now i am asking the question how much do cleaning companies charge the client.

As cleaners seem to get paid very little for the work they do.Who is making plenty out of cleaning.

Trying to raise the profile of cleaners,they deserve that.

A happy lot,the ones i have met.

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Last post for now.I know i go on a bit.

The offices i do,when i first came across them,they had not been used for a while.A couple of years or so.

They were strange colours,deep blue in places,light blue elsewhere.Cold looking.

Due to working in construction i said i will paint them,Go for it.

Unknown to myself a rapid move happened,all the workers,desks office equipment arrived, so i painted them while the workers were working.

Stealth painting i called it.Did not disturb one worker,and not one person got any paint on them.Offices,boardroom,kitchen,toilets the lot.

3 coats in places.

Enough for now,i will put a picture on next week.Just get your sunglasses on to protect you from the glare,ha.

Any cleaners around please come on in and tell us how it is for you.

Bye for now.

Tawnyowl.

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My nearest and dearest earns £11 an hour for private cleaning.

Works for lovely people who seem to want a cleaner for a bit of regular company as much as anything.

It's hard work but it helps with the bills. And I'm most grateful to Mrs crusher for the extra cash we use to buy the essentials. Problem is how long it takes to earn but how quickly it vanishes in the shop.

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

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Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

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Hi HSBCrusher

Thanks for posting.Sometimes i write things not knowing if anyone will reply.

I have heard that some people are lonely perhaps and like a cleaner to pop in every now and again,for a chat and a clean.

And yes i know the feeling how the money flies out on bills.Or vanishes in the shops.

 

But at least it keeps the wolves away.Cleaners certainly earn their money.I think 11.00 a hour is good money and from what i am reading so far seems about right.

Not saying what i earn it is a little embarrassing but i have to earn something.Put it that way.And is not for ever.

I am caught in a trap,a strange one.Do not earn,do not eat,simple as that.

When all is paid out,rent,council tax and the rest this job has to be done.

 

I saw you arrive again HSBCrusher,sounds like in the past perhaps you have had some dealings with the banks.

Like the Avator.

Anyway nice for you to post your story.

Bye for now Tawnyowl

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No need to be embarrassed Tawny. An honest days work is nothing to be embarrassed about whatever the pay and, as you say, you have to keep the wolves from the door.

 

I hope you're finding it a little easier now. :)

 

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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Well thanks for your supporting message Caro.

I was supposed to have tests done for my heart on the 8th,but stupid as i am did not read properly the two pages they sent me.

Right at the bottom on the last page was do not take a certain pill two days before.

Anyway i did,phoned them and rearranged appointment.We will see what will happen 31st March.

 

Some news,i sure have struggled this year,paying things.

I should have done this before,definitely April this year anyway.Really struggled to pay rent,council tax etc.

Applied for working tax and have just received it.Massive relief and a stress buster for sure.

This will help massively.

So i would say to anyone if you think you could qualify try.

Many places to see if you could qualify such as.

Tax credits calculator

http://taxcredits.hmrc.gov.uk/Qualify/DIQHousehold.aspx

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Don't you go overdoing it Tawny. Hope you're ok. x

 

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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Thanks caro

Things are a little easier now.After getting to grips with the first cleans it is not taking as long now,so wages are averaging out better.

I have now taken on some of the hoovering and have found a new workmate.

Henry he is called,about two feet tall,red with a long hose a nice smile and the strangest eyes i have seen.

We have a chat and for some reason he will not stop following me around.

Henry the hoover,my new mate.:-)

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Always good to have a mate. Especially if he's a good listener! :p

 

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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