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    • Why don't you actually READ the sellers advert before talking tosh. The seller's advert offers an optional  12 months breakdown warranty cover,  warranties generally do not cover anything related to wear and tear and especially everything on an old banger will be excluded.  OP should have studied the terms of any such warranty before purchasing it, if he did purchase it.     Also, the sellers advert at NO point states the car has NO faults. READ the sellers advert before jumping to huge conclusions. 
    • The BBC isn't a private company and it's this kind of misinformation that encourages people to avoid the license fee.
    • How did you purchase the goods? (instore or online)   How did you pay for the goods? (cash or card and which card method if paid by card i.e. debt card etc.)        
    • Thanks for the reply which makes the case more simple.   As the young gym member was under 18 when she joined, she was a minor and the gym or their admin Co. cannot enforce any contract or agreement with her.   She can reply to any demand from the gym saying :-   " I was a minor at the time of signing the membership and cannot be held to any contract terms associated with such a membership agreement. Accordingly no further demands should be made and this should be the end of the matter. Yours faithfully, YD"   Send this to the gym's address by letter and get a free Cert of Posting at the PO Counter.   Keep us posted please
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
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Hi, I have just received almost two years’ worth of backdated benefits during my DRO, so the official receiver cancelled it, but he said that I could keep £700 for bankruptcy.



I received this money due to my medical condition and I have started buying white goods to replace items including a 28-year-old leaking washing machine. I also intend to buy a fridge freezer and a cooker as my current fridge is 28 years old and my cooker was a hand me down. These items will be my biggest expenditure.



I was wondering what Items I can buy? bearing in mind that I will most certainly be going bankrupt, so I have decided against replacing my 10-year-old TV, just in case the OC would take a new one. For instance, could I buy a new hoover or a new hard drive for my 6-year-old laptop without worrying about the official receiver taking them to sell?



Here is what I have bought so far, a new washing machine and proof that the old one was recycled. New bedding, a duvet, bathroom towels, tea towels. an ironing board. I have also been taking photos of some of the broken and worn items that are being replaced.



I also intend to pay my rent arrears, buy a microwave and some new clothes, pans, a new bedroom carpet, curtains etc. Basically, things that I have needed for years but have not been able to buy because I've been on the lowest rate of Universal Credit.

I intend to keep about £2478 to offer my creditors 18% of what I owe as a full and final settlement. I will also be keeping £700 in case they do not accept and I have no option but to go bankrupt.



So, I suppose what I'm asking is does this sound okay? in that I am spending just under 50% of my own money on items that I needed for the house, and myself for quite a few years?



Also, should my creditors refuse my offer could I then go on to buy some more household good such as an air fryer since I will be going bankrupt anyway? I am asking these questions because I do not want the OR to give me a bankruptcy restrictions order. But it’s not like I am buying things that I do not really need.

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No and it seems very clear to me that it is not.



The only reason I mentioned the first bit was to give an overview before I got into my new questions.

Edited by Davmanthe great

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If youre going bankrupt, why offer anything as a F&F? Throw them into the bankruptcy and be done with it. Who are your creditors.


If your debts are still with the original creditors. They might moan a bit, but they will prob just shrug and write it off.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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My debts are still with the original creditors, and yes I could do what you suggest because thanks to my DRO being cancelled my credit file is screwed anyhow. My debt is with Barclaycard, Nationwide and Capital One and all are credit card debt.




But I would still like to know how the official reciever would look upon me spending my money on the things that I have listed in my post above. And I would also like to know how much spending on essentials, white goods, house hold essentials, clothes such as a pair of trainers, a couple of pairs of pants and two t shirts and maybe a new coat, paying back rent ect would be seen as reasonable versus going over the top?

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