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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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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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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EU national, JSA to UC migration


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Hi everybody,

 

apologies if you've seen my question on some other forum, but I did not get any replies and I'm getting a bit anxious about this issue.

 

Quick recap:

 

- EU national, in UK for 15 years, but with an absence of more than 6 months (see below)

- Never claimed any benefits until late 2013, till I lost my job, then left the UK for 8 months and came back in 2014.

- Claimed JSA in 2015 (six months after coming back) but it was initially refused on the ground the 8 months absence would not entitle to any benefits.

- Appealed and won, but was told I could only claim for 3 months

- Appealed again, offering to show documentation of my previous jobs and NI contributions; won the appeal (they didn't even bother asking me for proof of my documentation) and was granted JSA with no restrictions. I even have a letter from the Benefit Centre stating that they accept I am a permanent resident.

- Since then I've been in and out of JSA and this is basically the same claim, which has been extended by multiple rapid reclaims

- My area has now gone full digital. I'm still on JSA, but I understand any change in circumstances will trigger a migration to UC.

 

My questions:

- Can I voluntarily ask to be migrated to UC? My work coach says that I would have to quit JSA first and then make a new fresh claim for UC. Is this true?

- In any case, if I'm "naturally migrated" to UC, would I have to go through a new procedure of showing my entitlements to benefits or would my file be just moved on from JSA to UC?

I'm worried that, if I move to UC, the DWP will give me hard time, because the regulations are much stricter for UC than for JSA.

 

In 2015 it took me 10 months of appeals to get unrestricted JSA. Would the letter from the Benefit Centre (2015) be enough to prove my entitlements?

 

I don't really want to stay on the dole for the rest of my life but I just would like to know where I stand.

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Why would you change to UC voluntarily when there was no change of circumstances ?

 

Under UC if you change to this yourself you would need to attend the job centre every week for the first 13 weeks and after that every 2 weeks. After that it would be easier, if you are in and out of jobs, because they were just temporary jobs.

 

And changing to UC yourself either with or without a change of circumstances, is likely to require submission of documents ID/residency to the Job Centre staff dealing with UC and referral to a Decision Maker in a UC service centre. I suspect that they might run through the same process for a new claim, without looking at the documents that proved your JSA claim rights. You would of course tell UC of your JSA claim, but whether it would then stop full checks on identity/residency being required, I am not sure.

 

Once your UC claim was set up, you then have to attend a commitments meeting as part of a UC claim.

 

You might also be waiting awhile until you received any benefit award payment, because UC is paid monthly and not every 2 weeks.

 

Suggest you might want to wait until change of circumstances or normal migration to UC.

We could do with some help from you.

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Why would you change to UC voluntarily when there was no change of circumstances ?

Good question. It is because I want to avoid the hassle of a fresh new UC claim at one point in the future.

 

And changing to UC yourself either with or without a change of circumstances, is likely to require submission of documents ID/residency to the Job Centre staff dealing with UC and referral to a Decision Maker in a UC service centre. I suspect that they might run through the same process for a new claim, without looking at the documents that proved your JSA claim rights. You would of course tell UC of your JSA claim, but whether it would then stop full checks on identity/residency being required, I am not sure.

This is the part that I'd like to know more about. The people at the Jobcentre seem to know less than me.

 

Are you aware / in receipt of Housing Benefit?

Yes, I'm getting Housing Benefit right now. I had to go through the same procedure with HB. I was told this is the last time I'd get HB. Next claim would have to be a UC claim.

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Yes, I'm getting Housing Benefit right now. I had to go through the same procedure with HB. I was told this is the last time I'd get HB. Next claim would have to be a UC claim.

 

I asked because your HB claim could bounce you over to UC independently of what is going on with your JSA. That could well be the trigger that sends you across to UC.

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I asked because your HB claim could bounce you over to UC independently of what is going on with your JSA. That could well be the trigger that sends you across to UC.

 

Well, assuming there will be a trigger that sends me to UC, what would possibly happen? Will my JSA be forcibly closed and a UC claim automatically open?

 

This is what I need to understand.

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Well, assuming there will be a trigger that sends me to UC, what would possibly happen? Will my JSA be forcibly closed and a UC claim automatically open?

 

This is what I need to understand.

 

As far as I know, if circumstances mean a change to UC, you are given a time period to sort out a UC claim. You then complete the UC application online covering everything e.g JSA, Housing. You then see someone at your Job Centre to go through all paperwork to support your UC claim and once your UC claim is up and runnung your current seperate JSA and your Housing Benefit through your local council is closed.

 

It could be straightforward, if it is processed by someone correctly, but given your previous experience you might not be confident in it being hassle free. Suggest you wait until you are told you must transfer to UC and follow the process you are advised of.

We could do with some help from you.

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There are complaints about UC and I will outline a few of them in case you can relate to any of them.

 

1) Delays in receiving first payment.

 

If your first payment took 2 months to arrive, would you be able to cope?

P.S. Claimants can ask for an advance

 

2) Being 'worse off' on Universal Credit

 

There are Tax Credits claimants who are staying on that benefit for as long as they can, because under UC, they will receive less money.

 

3) Computer literacy

 

For those who do not have an e-mail address / internet connection, they will likely struggle with UC

 

There may be other reasons why you could fear migrating to UC but as I see it at the moment, it sounds like you are afraid of being afraid.

 

As advised, I would just wait it out.

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