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    • Hi  I do apologise as I don't know where to put this question.   My wife is self employed and her business is closed to to Covid 19. She has lost all future bookings  and has no earnings. I am retired with a State Pension. We have applied for Universal Credits which has been granted - payment middle of April , so that's great. We applied for the Small Business Rates Grant - £10,000 to help with business expenses - she intends to open trading again  ASAP, and there are obviously supplier contracts and services that need to be paid for, plus we modernised premises this year ( as we had lots of bookings) and our personal Credit Card debt is approx £9500.   To my surprise they have granted this and are paying money into her business account.   I know we would have to notify Universal Credit about the Grant, but would she still be entitled to U.C payments? The business is hers , so I presume I am still eligible for U.C   Many Thanks thedrunkenmonkey
    • Neighbour who has garden at end of mine (fence to right as they look down their garden but crosses various gardens as I look down from my house) is requesting that I repair a damaged fence as her dog keeps coming into my garden.   Am I responsible to repair it (my part of fence)?    I have looked at various websites but not very clear.   Neighbour said they erected and put up a fence to their left as they look down their garden but stressed that I was accountable for part of fence to the right.   Thank-you for looking at would appreciate any guidance for confirmation.    
    • Are you or do you wish to use the vehicle until we succeed with arguing and you succeed in VT?
    • Hi I hope all are ok in these trying times. I assume most of us will be in the same situation with employment etc.   I am obviously still intending to follow through my complaint against MB. However I do have to make decisions as I have found myself as will most people at this time left with a reduced minimal income, with all I can forsee is an impending up hill struggle for the forceable future.   So not sure what, if any options I still have, I am presuming VT was only an option earlier on and a court CO excludes that option,    I cant continue to honour the finance payments and cant even begin to estimate any timescales I would be again financially stable.   im trapped but want, no I need to get rid of MB all together, they can have the car and I learned the expensive way!   MB recently emailed a letter (which is copied below) in it they refer to a recent termination, this is the part that is very confusing as its my understanding they terminated the agreement in March 17.   They also inform they have placed the collections on hold, but then heres the cheeky bit, they do however want me to store the vehicle, tax and insure it, as per the agreement (the agreement that they already state was terminated) until they continue with their collection process;   Due to the Coronavirus (COVID-19) pandemic currently affecting the UK and wider world, we’re emailing to update you on what will now happen regarding the collection of your vehicle, following the termination of your Moneybarn vehicle finance agreement.   We won’t be collecting the vehicle at this time Normally, following termination of your agreement, we would arrange for an inspection and collection of the vehicle. However because of the current Government imposed lockdown, we are not currently able to collect vehicles until further notice.   What will happen next? Nothing for the moment. We’ll contact you as soon as there are any developments in the Government’s stance and we know that we’re able to resume our normal vehicle collection activity.   What do you need to do? We would appreciate if you can please keep the vehicle taxed and insured for the time being, as per the terms and conditions of your finance agreement. We hope this information is helpful and clear. Please stay safe and well, and if you need to contact us with any questions, please check out the latest information on the best way to reach us at   So they state termination, then expect to lay down instructions for me to comply with as per my finance agreement T&Cs. To look after the vehicle that they do intend to continue collection of.   If everythings terminated and in other words I have no right to the vehicle, Im not prepared to comply with instructions in line with a non existent agreement (I dont have to) and have a good mind to charge them storage.   However l would much rather just leave the car, send off V5 to change ownership and be done with it and concentrate on getting justice for their mistreatment.   
    • No it isn't funny, but there have been murmurs on Social media, dfesn't take much for twitterati and FaceBork to go off on one. Some in our area have been on about shooting the Goats in case they spread the virus, people in a panic are unpredictable.
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Tony P

No full facilities for checking size yet refuse refund.

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Passing through UK for a ski holiday, I tried on some ski pants in a High Street sports clothing and footwear chain store.


The size was "Medium". They fitted me well in street shoes except for length (Ski boots require a different length than you can determine in street shoes, having elasticated inner, and protected outer, bottoms). I could not check for exact suitable length as they didn't have ski boots in their ski or footwear sections in the store


I paid for them with a UK Credit Card and took them back to where I was staying, to try on again with a pair of ski boots, fully expecting to get my money back if they were unsuitable. 


They turned out to still be an incorrect length for me, so were unsuitable (I am not an unusual size or shape).


Within hours I took them back the store but they refused a refund offering only a Credit Note to exchange for other goods. I live nearly 2,000 miles away, outside the EU, in a country where this shop has no stores (the nearest is still a days drive away and involves a long border crossing). This is not practical just to see if they have something I might like - and fits!


Speaking with them I got no response other than disinterestedly being shown to one of many pieces of paper 'sellotaped' to a sales counter. Emailing Customer Services (sic) also got nowhere.


How can I proceed?

1. Do I have to keep the pants (or an unpractical and unwanted Credit Note) despite not being fit for purpose for me, all because the store didn't have proper/full facilities to trying for size?

2. Can I make it the Bank/Credit Card's problem?

3. Have I just learned the hard way not to trust UK High Street chain stores and shop elsewhere where they have proper size checking facilities prior to paying to take them out of the shop?



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ring the credit card company they are equally liable

do a section 75 refund




please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.



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Oh they are equally liable, I suspect the problem will be if the shop is considered to breach their contract of sale. 


Suitable for purpose?




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6 minutes ago, Dodgeball said:

Suitable for purpose?


Probably - for someone who is of that size. I've not had the opportunity to find out because the size was not right for length.


Which is something the Company could not let me determine in their store.


The only way was to pay to be able to take them away to try on properly.

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Store returns or exchange policy

The good news is that most retailers choose to provide a 'goodwill' returns policy offering an exchange, refund or credit note for most returns.

You can only return store-bought non-faulty goods for an exchange or refund if the retailer has a returns policy. 

It's worth noting that shops aren't required by law to have a returns policy, but if they do have one they must stick to it.

Returns policies are usually displayed on receipts, on signs in store and online. You can also ring the shop's customer services line to find out its returns policy.

Remember that if you're trying to return an unwanted item purchased online, you have additional statutory rights to return it under the Consumer Contracts Regulations

Most retailers impose time limits for returning non-faulty products, such as 28 days, but many extend around Christmas for example, so you might have more time than you think to return an unwanted product.

If you paid by credit card, you also have extra protection under Section 75 of the Consumer Credit Act. 



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Could you not have just exchanged them for a pair that were the correct size?

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they offered an exchange when you took them back. that is all they are obliged to do as you admit you tried them on and they are of mrechantable quality and fit for purpose unless the different fitting with a ski boot makes them unusable as ski pants generally.

have you ever bought other ski pats and if so why didnt you consider the differentails in length earlier? 

Have you requested an exchange?

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