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    • You should start putting everything in writing. Even the ombudsman, to begin a serious complaint by telephone is quite frankly crazy. I hope you have taken a copy of at least the advertisement that you have posted above.  I don't suppose that you kept a copy of the original AutoTrader advertisement.  How much in writing have you got of anything? I would suggest also that you telephone the ombudsman tomorrow and ask them for details of the complaint that they have received from you and tell them that you want it in writing.  You will be amazed how scant The records of which are kept by these people. Read our customer services guide and at least actually give you some idea of how you should deal with customer service people or any call handlers on the telephone.  It is very important that you get a written summary of the report which you made to the ombudsman so that you can see exactly what they are investigating. The complaint to the ombudsman should have been very carefully considered over a period of time rather than simply made in a phone call
    • Funnily enough the ad is still available online Range Rover 4.4 SDV8 Autobiography LWB Previously Sold | Clinkard Performance Cars WWW.CLINKARDCARS.CO.UK Performance, Prestigious and Specialist cars Dealers in Romsey, Hampshire but the autotrader version isn't which was probably slightly different potentially with more information. Reported to FOS over the phone but essentially gave them the same information I've stated here, updating them that I'm paying for a car I haven't had for nearly a month now etc I'll certainly come back with an update. Fingers crossed they will realise it's not worth taking to court. So the inspection among other things found a hairline crack across a load bearing section of the chasis which at the minute to the naked eye looks tiny but could turn out to be catastrophic and has had some filler chucked on top of it but we'll see what Clinkards inspection comes back with. Distance wise I believe they're around 165-170 miles away from me. Also I'm sure many people will have PCP agreements as it's the most common way to buy cars under 5 years old but they just forgotten the terminology or name for it. Pay deposit, choose a length then pay the difference between value today and guaranteed future value at the end of that agreed term   Whole experience has scarred me and moving forward I'd be tempted to pay for a pre purchase inspection myself because these guys are bigggg traders with a lot of top end cars. I just hope they don't make any more silly offers
    • Strange final response. They say that they are still investigating but they are giving you their final response anyway. Seems like a load of nonsense. Have you got a copy of what you then sent to the ombudsman? Anyway, for the moment although would like to know – it really is all for curiosity because as you have put it into the hands of the ombudsman it's probably not worth doing anything more until you have a reply. I would suggest that when you decide to spend this kind of money in future on a used car, that you understand exactly what your rights are before you make the purchase. When you buy anything – and maybe especially used car you should realise that you aren't only paying for the car, you are also paying for a bundle of consumer obligations which are intended to bind the dealer. You are paying for a vehicle which is of satisfactory quality and remains that way for a reasonable period of time and you are paying for any defects which emerge to be addressed and repaired at the expense of the dealer. We've already pointed out that by purchasing the warranty, they have effectively persuaded you to pay for something for which you have already paid. Very decent of you not to want to cause trouble in respect of defects which manifested themselves within the first few weeks. I have no idea why. For £78,000…. This you say that they were age-related problems – that is still no reason why those defects should have been there or why the dealer should not have been responsible for them. It seems to me that you have a clear case against the dealer/the finance company. We don't have many or any PCP purchases on this forum. However, it seems to me that the finance company is probably responsible for the condition of the vehicle because effectively you have bought it from them and to that extent it should be the same as HP. With a hire purchase agreement, it is as if you bought the vehicle directly from the finance company not from the dealer and it is the finance company which bears all the consumer obligations. I think the only thing you can do is to monitor the situation. Update us when you hear from the financial ombudsman and if you need to take the matter to court then we will help you. In principle it should be straightforward – but certainly there is a risk of a serious bill for costs if you lose. I don't see you losing. Did you say somewhere that the report suggested that the vehicle was unroadworthy? Have you got the advertisement for the vehicle? Does it make claims for the vehicle which are clearly untrue? And by the way, four hours away from you is what kind of distance? Have you read our used car guide? Have you looked at the video?
    • there's one in this thread.. i wonder if its the same, they seem to be identical regardless each time we have a thread with one Vehicle Control Services Privacy Notice, Brooke Retail Car Park, HA4 0LN - Private Land Parking Enforcement - Consumer Action Group  
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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.

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    • 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.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Universal Credit over payment and phone call advice plz


nimblejack
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Hi,

I just wanted some advice from anybody who may have had a similar problem or might know what's going on please?

 

Last March, just as this pandemic took hold my  husband lost his job. No furlough, no redundancy pay or anything. Just finished.

We knew nothing about claiming benefits but we managed to put in a claim for JSA and then UC (they just deducted the JSA from anything we were entitled to from UC)

 

later in the year, I made a claim for carer's allowance as I am my mums full time carer. She receives attendance allowance. I waited several weeks to hear anything back but the claim was successful and I reported this to UC.

 

My husband got a job again in August. This too was reported to them and his earnings meant that we received very little or nothing during that time.

He then lost this job in December yet again due to covid and again we reported this and he again claimed for JSA.

 

He got another job in January and again told UC and JSA. We received pretty much nothing and the last payment we did receive, they deducted everything that was left for a tax credit over payment that we apparently owe from previous years.

 

We have now received a letter in our journal saying that we have had an over payment due to back pay of carer's allowance that I received last year after all the weeks of waiting. Fair enough, I don't really understand still how all of this works as we have always worked but they told us before that all earnings etc and things from DWP get reported to them anyway so they knew what carer's allowance I had received.

 

I then replied to ask if we can set up repayments for this and we then had another letter in the journal saying..

DO NOT IGNORE THIS MESSAGE

We are carrying out a review of your information, and so I need to speak to you BOTH about your universal credit claim.

We'll be checking a few details with you on this call to make sure you're entitled to universal credit. You might also be asked to provide additional evidence but we will discuss that on the call. If we can't get in contact or speak with you, your claim will be suspended and ultimately closed. There will likely be an over payment and this will be recovered from you.

 

This seems a bit serious

is there anything I should be worried about? Or is it purely just a review to maybe close down the account now that my husband is back in work and earning more money? It doesn't mention the over payment so I am not sure if it is about that or not but my husband suffers very much with stress and anxiety and now he is panicking over this because he thinks that they are going to make out we have been up to something when we most definitely have not.

 

Admittedly, we have struggled with it because we have never claimed before and not been able to attend any face to face appointments etc but as far as I am concerned, we did everything asked of us.

 

The only other thing is that I now have £2000 in the bank sitting there as we are in desperate need of another car as this one we have is on it's last legs but I was told you only need to declare £6000 and over.

 

Any advice or anyone had the same please? Pretty confused. Thanks.

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you appear to have everything correct and have done what you needed to do at each stage.

 

now, looking thru you state:

 

39 minutes ago, nimblejack said:

He got another job in January and again told UC and JSA. We received pretty much nothing and the last payment we did receive, they deducted everything that was left for a tax credit over payment that we apparently owe from previous years.

 

i would be questioning them what this was actually for, they should not be just taking money without PROOF , and as you state you had never had any benefits before period this puzzles me and we've seen very historic tax credit grabbacks that date back 10's of yrs. so try and nail that one down, don't get fobbed off they are simply right all the time.

 

as for the rest of it, to me it sounds like they want to ensure you did get all you were entitled too as you situation changed many times.

nothing to be afraid of.

 

dx

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok thank you for such a quick response. Yes we did claim tax credits for a while when we were both working but not earning a great deal but again, I don't know how an overpayment of that happened but they have written to us although the amount is different every time.

 

I did call to set up repayments but they refused..saying deductions from UC will be made until the claim is closed and then I can pay directly.

 

However, I might ask for some sort of proof or breakdown as we have no idea what happened or how that overpayment has occurred.

 

Thank you for that bit of advice.

I hope to get it all sorted as soon as possible.

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how long ago was this tax credit issue?

 

if you pop along to the HMRC website and type in SAR

that should bring up a form which compels them within 30days to send everything they hold on both of you (do a joint claim both of you sign the SAR) .

 

 

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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they must hold the data to prove their claim of TC over payment and ofcourse it must be correct!!

 

if you use our enhanced google search box on this page (i think still) type in HRMC tax credit over payment

or like words

there are numerous stories here from others inc those that prove they had no data and the issue was latterly sorted in their favour.

 

just be aware that yours is not too historic so they probably will have the data but check the figures are correct and your pers data like income etc is correct for that time, we often find they were not aware of XYZ from you and that changes their conclusion.

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I can't really add anything to the advice DX has already said, except that where this particular government dept is concerned you MUST MUST MUST keep EVERYTHING they send you and vicky vercky.

 

Whenever you send them anything in the post ALWAYS obtain ''proof of posting'' which is free from the PO counter.

 

If you can record your phonecalls with them then fantastic, if not ensure you get their details, time of call, and department they are calling from.

 

If you are uncomfortable discussing anything over the phone with them, then simply tell them that your preferred method of communication is in writing only, and they WILL accept this.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Several issues raised. 

 

What sometimes happens with benefits, is that when one benefit is backdated, there is a knock on effect to other benefits. 

 

In this case, you had received Universal Credit payments without Carers Allowance being deducted for, as when those UC statements were issued, the CA backdating decision had not been made. 

 

Eventually CA was backdated and you received a lump sum.  This would have been advised to UC, who would have recalculated each monthly assessment period that the CA related to and this overpayment would have been automatically system calculated.  Your revised UC payment statements can be viewed online on your claim  and you can compare the revised net award amount with what you were originally paid by UC. The letter in your UC journal advising of the overpayment should confirm the time period the overpayment relates to. No harm in asking for a breakdown of the overpayment via your journal.

 

In regard to the DO NOT IGNORE THIS MESSAGE , what this is about, is that due to the Covid-19 crisis the country was in during 2020, with millions of benefit claims being made, is that DWP did not check all information as thorougly as it would normally be checked.   So they are currently going through a process of checking information  again, to ensure it was accurate.   

 

Savings above £6000 need to be declared, as then UC would make deductions.  And £16000 or more would mean not eligible for UC in most circumstances.

 

In regard to an Tax credits overpayment debt, DWP Debt Management shoud be able to provide details of the debt amount referred to them and what the outstanding balance is.  But as advised, if you dispute the Tax Credits overpayment, contact HMRC to challenge this.

 

 

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Thank you for that response unclebulgaria67, I appreciate it. It has helped us to understand this better and yes I cannow see how that would be the case. If only THEY explained it that easily. Thanks again.

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