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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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A BRITISH pensioner demands the Government reinstates her pension.


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‘Where are my contributions?!’ Pensioner TAKES DOWN Government over £42,000 shortfall

 

A BRITISH pensioner has taken the internet by storm after she demanded the Government reinstates her pension.

http://www.express.co.uk/news/uk/793599/Pension-contributions-WASPI-Election-2017-payments-foreign-aid

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Did you read some of the comments?

 

 

Labour brought in benefit rules that made it better for many people to claim benefits rather than work because the benefits they were paid were much higher than they could ever earn

 

Well said June, but don't forget it was a woman who insisted on working until 65 in the first place.

Funny how many EU countries have a lower retirement age than we do, maybe they don't take any notice of the rules they don't want to.

 

 

Would these changes have been made had the EU not insisted on it ?

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Well it doesn't actually look very different to our own, does it?

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

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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The pension element in our national insce should have been ring fenced but as it wasn't it was there for the taking. It reminds me of the individuals who have plundered pension schemes or mismanged them, then not much or nothing left for the pension members.

 

I suppose it won't be long until it's announced nat insce is no more and we will be just 'taxed'.

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If you look at how NI is calculated it is just a tax. Your old age pension is now just a "benefit" rather than a pension as of right.. It is because no-one ever defined what a pension is exactly, deferred pay or income in its own right or a benefit. Same with who owns the scheme. Company pensions are amnaged by trustees but who owns them, the employers or the employess? many schemes had large periods when the employer didnt contribute yet was allowed to dip into the schem as they wished. ( Robert Maxwell was the worst example of this) Some schemes never had empoyers contributions but they are still deemed the owner of the scheme rather than the members.

No-one will ever sort it out because you will upset 50% of the people with whatever choice is made to do so.

as for the origianl story, the person hasnt lost anything. It is like you placing a bet on a horse at 10/1 and then the horse is withdrawn from the race. You cant claim that the horse would have won therefore the bookies must pay you the winnings. She hasnt reached the pension age yet so hasnt lost a penny, her stake money is still secure and she will get paid when she reaches the qualifying age. 10 years ago woman were complaining they couldnt owrk long enough to qualify for a pension in their own right after having children. That has been corrected and the same people moan they cannot retire. Well yes you can, you jsut cant get a state pension until you are 65 (soon to be 66) What next, I cant cross the road because there isnt a zebra crossing outside my house.

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If you look at how NI is calculated it is just a tax. Your old age pension is now just a "benefit" rather than a pension as of right.. It is because no-one ever defined what a pension is exactly, deferred pay or income in its own right or a benefit. Same with who owns the scheme. Company pensions are amnaged by trustees but who owns them, the employers or the employess? many schemes had large periods when the employer didnt contributeicon yet was allowed to dip into the schem as they wished. ( Robert Maxwell was the worst example of this) Some schemes never had empoyers contributions but they are still deemed the owner of the scheme rather than the members.

No-one will ever sort it out because you will upset 50% of the people with whatever choice is made to do so.

 

as for the origianl story, the person hasnt lost anything. It is like you placing a bet on a horse at 10/1 and then the horse is withdrawn from the race. You cant claim that the horse would have won therefore the bookies must pay you the winnings. She hasnt reached the pension age yet so hasnt lost a penny, her stake money is still secure and she will get paid when she reaches the qualifying age. 10 years ago woman were complaining they couldnt owrk long enough to qualify for a pension in their own right after having children. That has been corrected and the same people moan they cannot retire. Well yes you can, you jsut cant get a state pension until you are 65 (soon to be 66) What next, I cant cross the road because there isnt a zebra crossing outside my house.

 

I think the problems go back even further than Robert Maxwell -

 

Read the section "Taxation of Pension surplus" at bottom of article linked (although the whole article is a good read)

 

http://www.professionalpensions.com/professional-pensions/feature/2261768/how-thatchers-governments-changed-pensions

 

and then the famous Pension Pot Grab by Gordon Brown in 1997. First he axed the dividend tax - Finally closing the lid on the coffin in 2006

 

http://www.telegraph.co.uk/news/uknews/1547173/Browns-pension-grab-secret-is-revealed.html

 

http://www.bbc.co.uk/blogs/thereporters/evandavis/2007/04/that_pensions_raid.html

 

Five Biggest Pension Scandals

https://www.lovemoney.com/news/4133/the-five-biggest-pension-scandals

 

Government should also have ensured that ownership of the funds was secured in that it was employee monies that were due them when they retired and therefore preventing the likes of Maxwell and Phillip Green to 'borrow'.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

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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Pre Gordon Brown and even pre Maxwell there was the Dunlop pension grab. If you dont know what this was it was a foreign co buying Dunlop tyre Co and then taking all of the money out of the pension scheme and then shutting the plant down and selling off the land. As the pension fund belonged to the co that bought the company nothing to stop them. As said, law doesnt define what a pension is and that is why govts keep grabbing bits of people's pots with impunity. I it wa deferred pay then there could be no pension cap or increased tax take on pension pots as practised by recent govts of both colours.

Have you noticed that NI contributions are longer deducted from your earnings prior to them being taxed? Effectively 10% of your income is taxed twice. Not sure when this change came in but suspect it was because many pension schemes were running salary sacrifice schemes to avoid some employers NI contributions and the loss of revenus to govt became noticeable. I refused to join such a SS scheme even though it cost me an extra 1% of my income because I knew it was forcing my employer to pay another 2%. This may seem petty but what if I was made redundant? I would have lost out then.

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