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    • No problem. Just thinking - if you are not named on the mortgage why is the lender discussing with you? 
    • I'm gonna try fill out income expenditure later on this afternoon hun x  
    • I am inquiring about how older, single people are treated on UC and how often they are likely to be sanctioned compared to other age groups.   I am 47 in September and have always been Single, and if I was to be put onto Universal Credit soon (as I think I may be) then I am wondering how often people in my group would be at risk of sanction. I have seen charts where, the older the claimant is, the chances of sanction are less likely, but I have not been able to find out information about single people. I have seen a pie chart of that kind mentioning single parents or couples and even disabled people, but no mention of single people at all. Are people in my group hit hardest or not?   I am currently on ESA as I have a physical "limitation" and have mental health issues (anxiety and paranoia) but I heard that next year, everyone on legacy benefits will be moved over onto UC. Is that still the plan?  
    • Hello and good morning, I have been informed that my DLA is stopping and was asked if I wanted to claim PIP which I have done over the phone. I was hoping to download the form online until the proper form arrives in the post. I thought if I could fill in the forms with a little more time to consider my answers without the pressure of returning the completed forms on the dates that they require. Does anyone know whether the 2018 forms are the same for 2019 because I don't want to download them if the government has decided to change anything. Thank you for any help you could give me. Alan.
    • Thats what was reported as being the 'offer to labour wasn't it -   Effectively that they will agree that we will each aspire to have the option to pursue what we like, and whoever is next in power can pursue what they like. - ergo Gobbledegook meaning Nowt positive apart from limiting choices further per Mays withdrawal agreement limitations and making a hard no deal exit or indefinite uncertainty; both devastating UK investment and business; almost certain     I think that Johnson being voted in to be the scapegoat May was intended to be would cause an actual split in the Tory Party rather than just the internal war that's occurring.. I have severe doubts he would get in anyway - but he could probably end up as effective 2nd in power continuing the increased levels of backstabbing, power politicking and conflict in the Tory party.       Voting Lib Dem or Green in England and SNP in Scotland  seems to be the ONLY options for remainers, even if they are just there to promote a revoke/re-ref.   Not sure on the Welsh position          
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      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
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
mrrj

lying garage

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Posted (edited)

Hi sorry this is quite a long story it started early at the beginning of april . i am a sole trader of property maintenance so really need my van and tools . I have a vauxhall vivaro van that developed a fault , i used to be a mechanic so i diagnosed it to the number one injector.

 

I called a local garage who claim to to be diesel injector specialists . I called up and checked with guy on the phone that they had an hydraulic puller as this is the only way to get them out , he said yes they have and if i dropped it in on tue 9th april they would have it done in a couple of hours at £55 an hour plus £195 for the injector which i thought was fair. At 5.30 on that day a chap called me to say it was not coming out and they are gonna leave it soaking overnight .

 

The next day (wed 10 th) i called at about 4.30 after hearing nothing and was told the same again .On thursday the 11th the boss called me telling me that the hydraulic puller is only a 10 ton puller and not shifting the injector and that they need a 20 ton puller (investigation online shows these injectors break at 8 -9 ton ) but he could not get one till the following tuesday which i said was no good and i would take it elsewhere.

 

On the friday i went in in the morning and they had the other puller there already so i left them to it . I called sat 13th and was told the injector was out . I called monday 15th and was told they have made a mistake and dropped some carbon down the piston bore and would call me back when it was out. I called tuesday 16th and was told they have just removed the sump and was ready to take out the crankshaft to remove the piston which i was shocked to hear .

 

This  is exactly what i was told after calling back wed 17th and thursday 18th.. they gave me a courtesy car on friday 19th which was a really old corsa and i could only put a tiny amount of tools in . My van was on a ramp with the gearbox ,sump and crankshaft removed . I asked the mechanic there what was dropped in the bore and he said something metal and that the piston cant be removed from the bottom.

 

I went in saturday 20th and spoke to a mechanic and asked if they own a hydraulic puller which he stated that they have never had one and had to hire one to pull mine out . The boss made me wait 30 mins in reception and when we spoke i told him that  if i knew he had no hydraulic puller i would have never come to him . He was very rude but admited it was his mistake , when i told him i have lost loads in lost work his reply was you and me both . i asked why he lied about the hydraulic puller but he just said he had one but lost some parts of it. Next they took the head off which required pulling the other 3 injectors .

 

I called day after day with no answers but i had to go and get something from the van on the morning of monday 29th to see the head of the van on the bench with injector number 3 broken inside , the boss wasnt about but the mechanic there said they had a trainee with a dremel trying to remove the broken one . I have rung daily mostly with no reply or no answers than today the 9th may 29 days after dropping it in and many many days lost work the boss called me and said it was ready but i need to pay 6 hours labour plus the injector costing about £600 .

 

After explaining that my loss of work is in the thousands he said no payment no van and hung up . Can anyone give me advice on the situation thanks.

Rick

Edited by Andyorch
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issue a claim in the small claims court for loss of earnings etc etc 


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