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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
      • 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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Student loan and universal credit


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Mental health/anxiety can play tricks on the mind, so things that are straightforward seem like a problem, when they are not.

 

UC ask about previous earnings in 12 months before claim, to get an idea of pattern of earnings and possible monthly amounts going Forward. Some people work seasonally or work in many different jobs with gaps in between. So don't worry too much about what you said. You completed the information as it was asked of you, so no problem.

 

Just take one step at a time, complete the to-do actions on your UC claim when they appear and work with the Job Centre Work Coach. Don't miss any Job Centre appointments. You can phone Universal Credit and change appointment dates/times.

 

If you receive any backdated LCWRA award and have any debts with Government, you can ask UC to use the money to pay off any of the debts. Just tell UC or Work coach.

Edited by dx100uk
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Suggest you concentrate on your health and recovering from your current issues.

 

The issues you are have posted about are not that important.

 

Yes there has been a overpayment taking into account student finance. But given your health, the likely outcome is there would be a small debt with no civil penalty applied. And the debt would not be as much as you think, because there is a £110 disregard for student finance per Universal Credit monthly Assessment period. So from my rough calculation £550 would have been ignored anyway.

 

If you want Universal Credit to calculate any overpayment in regard to the student finance, then speak to the Job Centre Work Coach about this and provide them with any student finance document you have. Explain that your health and problems you experienced caused you to not mention the student finance at the time,

 

Once Universal Credit have worked out the overpayment amount you owe, you would simply contact a DWP department and arrange to pay it back over a period of time.

We could do with some help from you.

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The student finance is just an overpayment calculation. You had the finance but did not attend.

 

The wages you had at the start of Universal Credit should have been considered by Universal Credit, as the employers send the wages data to HMRC and UC receives this data. So it might not be an issue. Even if there was an overpayment because the wages data was not received, then the assessment period is recalculated, to see how much is owed.

 

in regard to income in previous 12 months to Universal Credit, this is just for data purposes. As explained before, this is so Universal Credit computer understand possibility of not receiving earnings information some months. E.g. Seasonal workers, people who don't work every month of the year.

We could do with some help from you.

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Not true about £2k + meaning court. People have Government debts of tens of thousands and have not been taken to court.

 

Fraud is usually where people have used deception i.e. They deliberately gave false information, knowing they would receive benefits they were not entitled to receive.

 

From your information, it is just an overpayment, because you did not keep Uinversal Credit informed of changes.

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Last wages if not considered by UC would also be overpayment of UC and not fraud.

We could do with some help from you.

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