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    • dunno you've not scanned up what you've had before how can we tell?  
    • Today , after a lotof years i recieved a letter from this lot. Very friendly, "Were writing to remind you that we havent had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. uP TO 2000 I hadsucessfully gotten deferment on low income. But rarther thansign on as unemployed,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondance ceased from them, circa 2001. To date  I have had no correspondance from Student Loans. I was made  redundant in 2009 and  reached 65 in 2012 , at which age the loan should have been cancelled. Now ,today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
    • But I'm not mixing and matching. Sure, when researching I do check multiple avenues, but when speaking, I will open a single post. The Fb post was made in March, it is now June, time has passed, and when the suggestion was made, no further information was given on how I should progress beyond "send a letter", which has meant that I've needed to start another stream - this one, but only after taking the time to research first.
    • hes not turning you away he is simply saying that you should stick to one channel of advice. he is perfectly happy with that channel being this forum, and he will help you   all he is saying, and I agree, is that you should stick to one help channel, not mix and match 3/4
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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.

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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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Hidden suffering of the "doodle" dogs


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I have just stumbled across this article from 2014.

 

 

http://www.dailymail.co.uk/news/article-2564373/The-hidden-suffering-dogs-bred-cute-Adorable-looks-Cuddly-names-like-Labradoodle-But-trend-cross-breed-dogs-raises-disturbing-questions.html

 

 

Earlier this month, the creator of the first Labradoodle — a Labrador crossed with a poodle — expressed his regret at creating these ‘Frankenstein’ dogs.

 

The man behind the breed, Wally Conron, said that by inventing the first designer dog in the Eighties, he had ‘created a lot of problems’.

 

The 85-year-old crossed a Labrador and a poodle to help a blind woman, whose husband was allergic to most guide dogs, find a puppy that did not shed its fur.

 

 

His kind gesture fuelled a new, lucrative and deeply harmful industry. The winsome-looking Labradoodle became popular among celebrities, including Hollywood actress Jennifer Aniston, model Elle Macpherson, chat-show host Graham Norton, and Top Gear presenter Jeremy Clarkson.

 

Mr Conron, from Victoria, Australia, fears he opened a ‘Pandora’s box’. While the Labradoodle remains one of the most successful cross-breeds, some suffer from congenital defects, including eye disorders and hip problems.

 

 

 

I wonder if they hadn't been endorsed by big names as above, they might not have been produced in such quantities !

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As in the days of Noah, will be the coming of the son of Man. In other words mixing dna between species whether it be of human, or dog is frowned upon by GOD. Even my ex who was also a dog worshipper (Romans 1:23) disagreed with it!

We should not be inter-breeding ANY animals full stop. Sadly though my comments will be largely ignored as there are far too many dog worshippers out there.

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I am sure that genuine dog lovers will frown on any inter breeding that causes anguish to the animal !

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  • 3 weeks later...

Its a crossbreed, no different from any other crossbreed. Cockapoo, springador, labradoodle, are all crossbreeds that seem to be fashionable. Just because you know its parents' breeds, doesnt make it any different. Pedigree dogs have problems too, my god look at the recent gsd that won crufts.

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Its a crossbreed, no different from any other crossbreed.

 

I'd agree with that :)

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Not quite like any other, or at least as we used to know crossbreeds because they command high prices. Put any two breeds together, combine the names to come up with something that sounds cute and you have a 'designer' dog. Every breed can have its problems, responsible breeders who give a damn work very hard and pay for expensive tests to try and ensure they only breed from the healthiest and genetically sound animals. This is much less likely to be the case with the new, deliberately bred crossbreeds.

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  • 11 months later...

I have a 'doodle' which is perfectly healthy, most of the article is about poor breeding conditions which would apply regardless of the breed. I had a pedigree previously which had all sorts of issues with health both physically and mentally having come from a 'puppy farm'. Dogs have been cross breeding for years which used to be called mongrels now they just charge more and call them cross breeds. There are plenty of pedigree breeds that have well known issues with breathing etc and they are just as popular. I am in a facebook group for doodle owners and breeders and ill health has never come up as an issue. Maybe the issue should be people buying dogs in service stations or via facebook than people buying 'doodles'.

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Maybe the issue should be people buying dogs in service stations or via facebook than people buying 'doodles'.

 

 

Absolutely, if the seller cant provide a physical address where you can inspect at least one of the parents, then there is something seriously dodgy !

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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