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    • and it will be also now written off under age related criteria anyway.
    • @dx100ukThanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
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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
        • Like

30 Hours free childcare cancelled!

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I (and my wife) applied for the 30 hours free childcare through the gov.uk website last year. I have been renewing/reconfirming the application details on the website every 3 months, as required. Last reconfirmation was in mid-January, but a couple of days ago, the HMRC have written to me saying the following:


"Unfortunately, our checks have shown that you're no longer eligible for 30 hours free childcare for xxxxx because:


• from the evidence we hold we have decided that you didn't have a reasonable expectation of your partner earning at least é ú1555.72 (no idea what the symbols mean!) between 15 January 2018 and 16 April 2018



However, you may still be able to access 30 hours free childcare for a short period, known as a grace period. You can check what your grace period arrangements are with your childcare provider.


You can still access the 15 hour universal early education entitlement for 3 and 4 year olds.


For information on eligibility, go to http://www.childcare-support.tax.service.gov.uk.


What happens next


Your childcare provider and local authority will be told that you no longer meet the requirements for 30 hours free childcare for xxxxx.


If you don't agree with our decision


Check the details you entered on your application are correct, you can do this in your childcare service account. If you entered the wrong information, and still want to apply for 30 hours free childcare, you can make a new application.


However, if the information on your application was correct, and you've checked you meet the eligibility criteria, you can ask for the decision to be looked at again by requesting a Mandatory Review.


You'll need to do this in writing within 30 days, and include:


• your name, address and child's full name


• reasons why you think our decision is wrong


• the words 'Mandatory Review' in the title of your letter



Send your letter to: The childcare service, HMRC, BX9 1GR


We may ask you to supply original copies of evidence to support your Mandatory Review. If your Mandatory Review is rejected, you have the right of appeal to a tribunal.


If your circumstances change


Go to http://www.childcare-support.tax.service.gov.uk to reapply for 30 hours free childcare.


Yours sincerely


Childcare service team"



I do not understand what has happened suddenly for them to reject it. My wife started working a contract job (by setting up her limited company) in November 2017. In the reconfirmation form on gov.uk, I have given her job as "Director of Own company", which if I remember correctly was from a drop-down list.


Does anyone have an idea why this could be happening? Oh, and she earns more than £120 per week in her job and less than £100,000 per year.

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  • 1 year later...

I’m having the exact same problem! Husband company director of newly formed ltd company in 18/19 tax year, self assessment not yet done, but they are still basing earnings on that of him being a sole trader and his return for 17/18.

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Government website Childcare Choices will help you with information about options and eligibility.

If you receive any Government letter which says you are not eligible, which seems to be based on wrong or incomplete information, then you need to respond as the letter tells you to do.  

From what I have seen, so many issues are caused by Government not having received the employment earnings information needed to assess ongoing entitlement. Where this is the issue, they have no choice but to say you are not eligible, until you prove that you are eligible.






We could do with some help from you.



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


If you want advice on your thread please PM me a link to your thread

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  • 1 month later...

Hi, we are in a similar situation and Mandatory Review has been rejected as well.


What was the outcome and did you manage to sort it?


Any help or advice would be much appreciated!



On 09/03/2019 at 05:51, Abia said:

I’m having the exact same problem! Husband company director of newly formed ltd company in 18/19 tax year, self assessment not yet done, but they are still basing earnings on that of him being a sole trader and his return for 17/18.


Any luck?

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We’ve now done payroll and p60 for 18/19 tax year based on basic salary to NI threshold. This has now been accepted and funding reinstated once I had reapplied, they have said they will need to see evidence each quarter of earnings, so have agreed with Accountant that payroll will be run once a quarter, which will provide HMRC with the evidence they need on a quarterly basis.


Hope  this helps

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