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    • The return under the consumer rights act of the item bought would have to be at the expense of the retailer. If the dealer themselves has arranged for an MOT at their own preferred garage – then frankly I would be prepared to cough up another 50 quid and go get another MOT at a garage of your choice. I think this would be a good move before you try anything. It's still very early days and say you are well within your 30 days. Find yourself an MOT station with a good reputation and tell them that you want them to be particularly exigent because there are questions over the condition of the vehicle. If you get MOT which fails I would point out some serious defects, then this is grist to your mill. This may seem to be a nuisance – but given that so far you have cut corners to save time and money, I think that you will have to treat this as payback time. Just because nobody took the trouble to be careful when buying the car, doesn't mean that some care and preparation shouldn't be taken when preparing to challenge the dealer and maybe to return it. If you don't want to tell your partner that you told him so, then bring him here so that he can see that we think that he's acted quite irresponsibly in the way that he has chucked his money around. Now there is a price to pay in terms of time, money, stress, uncertainty. Your partner now wants to try and cut more corners by compromising but you don't really know what you are compromising over. Get the MOT and the check-over which I've suggested so that you understand exactly what you've bought and then you could understand what sort of compromises you might be prepared to make. If the vehicle fails us MOT for some reason rather then I would be looking to recover not only the cost the vehicle, but the cost of the MOT failure, the cost of travelling to Bristol to purchase it and the cost of driving back with it. In other words, if the vehicle is worth rejecting then there is no reason why you should be out of pocket at all.  
    • Thank you for the advice.   She is just waiting to get the green light on the move and rang and spoke to them to get some details.
    • Bargain Cars Bristol (also trades as Southwest Vans and Commercials). They're around 55 miles away; Bristol is the nearest place to us which has a decent amount of car dealerships.   My partner has (and had previously), yes. He's the very opposite of me - doesn't research endlessly, doesn't always err on the side of caution. I'm not in a financial position to buy a car, but need one for a new job, so the deal was that he paid for it but I wasn't to interfere with my 'over-cautiousness'. Yes, he's regretting that now! (I have so far managed to refrain from saying 'I told you so'). If it was up to me, I'd spend 3 months researching the history of car, dealership, MOT testing garage etc before buying, which is why he usually ends up taking over.   Apologies, the dealer themselves didn't carry out the MOT, but they booked it in at a garage of their choice (which appears to be a couple of miles away from their business). Personally, I don't trust any MOT carried out by the dealer's garage of choice as there were no advisories on the car that had a blow-out either (I did report that garage after the blow-out, so hopefully it was assessed and action was taken).   The ad doesn't explicitly state that, but the dealer stated it verbally (which obviously I can't prove now). Their own website's ad is still visible here, but the one on eBay (which is the one we saw) has been deleted, and I foolishly don't seem to have stored a copy of it.   So, within the first 30 days I have the right to reject without having to accept a repair option, from day 31 up to 6 months I have to allow one repair attempt before having the right to reject? Is that correct? My OH wants to 'compromise' with the dealer and say that if they process a refund immediately, we'll return the vehicle today at our own cost, but if they are unable to refund today then they will have to collect the vehicle from us instead (in line with our statutory rights). However, this section of the CRA confuses me - doesn't this mean that we have to return it as stated on our receipt?    
    • I know this but a few COVID related problems have knocked us for six. So i'll see what the judge says tomorrow. Regarding the letter it seems they are dragging up stuff already covered and cleverly wording it and there are some points that are incorrect.
    • You absolutely can (have a negative lateral flow test, and a positive PCR).   This can also happen when someone is symptomatic, and actually has Covid (the scenario most people would consider first, and what I think you are asking about). There is a fallacy to that scenario, though : if symptomatic, they shouldn't be using the lateral flow test (which is for SCREENING of the ASYMPTOMATIC), but those people should be going for the higher sensitivity PCR as the initial test.   If used 'correctly', (both in terms of 'both samples taken correctly', and 'used for the asymptomatic'!) then it is possible for someone asymptomatic to test negative by lateral flow, and positive by PCR. There is again an inherent issue to this scenario, though : the testing (for someone asymptomatic, for most situations!) should stop when they have the negative lateral flow test, and they wouldn't need the PCR - so why would they then know the PCR result?   An exception here would be e.g. someone traveling internationally, who might get a (self taken) lateral flow test (which comes back negative, with a result within 30 mins), and then a PCR taken at the same time, which takes longer to come back, but then comes back positive ........ presumed then to be the PCR being the more sensitive test, and the 'true picture' (rather than the PCR being a 'false positive'!). In the academic scenario (or if you were a leading politician, or a titan of business willing to pay for a clearer answer ..... or an answer you prefer if it meant you could travel / not self-isolate!): one could then re-test by a different PCR that uses a different target ... which then gives the suggestion of which is the 'false' test (false negative 'insensitive' lateral flow vs. false +ve PCR!).   Where does one stop, though?. All tests have false negative rates and false positive rates, so I can create the possible (but unlikely!) scenario where there is a true negative lateral flow, with one or MORE false positive PCR's. One would tend to 'believe' the PCR's (especially if more than one!), but it would be POSSIBLE (if unlikely!) that the PCR's could all be false positive. As you get more and more positive PCR's using different targets, the likelihood diminishes, though (although this wouldn't affect other sources of error such as sample crossover [what if they tested a sample which was someone else's sample, and was in fact +ve, but it had been labelled as the first person's sample??). Again, where do you stop? cell culture? (the 'gold standard' by which the PCR and lateral flow test sensitivity and specificity should be measured, but not widely available).   None of these are new issue, or specific to COVID, though. The National Blood Transfusion Service has dealt with screening tests (albeit it, not for COVID, but for other infectious diseases) for many years. Blood samples from donations may test HIV +ve (on screening!), and then there is a whole protocol (different tests on the original sample, repeat testing by the original test methodology whilst going back to the primary sample tube, and getting a completly new sample [to ensure different people's samples haven't been inadvertently 'switched'!] if there are still concerns!) to ensure that : a) the donor isn't told "you have HIV", when they HAVEN'T but at the same time b) If the donor does have undiagnosed HIV infection, they get followed up, retested, (and then told!).   All this relies on an understanding of test specificity and sensitivity (and of what can go wrong at any point in the testing : pre-analytical, analytical, or post-analytical !), while appreciating that most people just want a test result and would consider  the report as 'gospel' : "positive means you have it, negative means you don't".........
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Problems with a A Wright & Son Builders- what rights do we have

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My step daughter got home improvement loan to redo her bathroom.


The builder has turned out to be utterly incompetent, does not turn up any more, we had another builder who came and viewed the work and pointed out the numerous problems but it can be rectified.


Still have a balance to pay on the contract but work is no where near completion, do we have the right to give the builder notice and advice the cost of rectifying his work will be down to him, do we contact the loan company, tradign standards any one else?


Grateful for any help

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I think it will be helpful if you gave us a chronology of events – bullet pointed and also prices, how much has been paid already? And so forth

Also, what's the name of the builder?

Also, was the loan simply a personal loan and you applied the money to the work – or was the home improvement loan made specifically for this particular company and paid direct to them by the loan company.

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Loan was secured on the property specifically for this project

Work commenced Dec 2020

Contract was schedule detailing what the would do total value £10,000

Total paid to date 7,500

Money paid direct to builder loan deposited in step daughters bank

builders name is Danny Burrows, but headed pasper is A.Wright & Sons (builders & Stonemasons)


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Is this them?



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secured loan for building work:crazy:

who's the loan with and is this specifically listed in the agreement on why it was taken out?

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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secured loan for home improvement it was to extend a bathroom, the loan was take out as they didn't have a spare 10k. @bankfiodder yes that them

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  • BankFodder changed the title to Problems with a A Wright & Son Builders- what rights do we have

So I understand that you entered into a contract for home improvements – specifically work on a bathroom.
The agreed price was £10,000 and of which you have paid £7500.
The work started December 2020 – but the builder doesn't turn up any more. I asked you for a chronology but actually you haven't given us very much at all to go on.
Apparently the work is being carried out badly and you have had somebody else have a look at it and they concur that the job has been carried out so far to an unsatisfactory standard.

You really do need to give us a little better timeline. You've been with us for 10 years and you know the kind of information we need.

In order to give the builder notice, you are certainly going to have to do explain why and also give reasonable notice – unless the job has gone so badly wrong and the builder hasn't been around for so long that you can take it that the builder has breached the contract to the point where it is void.
However, so far you have given us this basic information. Once again we need a chronology please – bullet pointed.

I certainly wouldn't want to be paying this builder any more.

Have you had a detailed written assessment of the problems with the work and also what remedial work it needs and a costing?


Just a touch on the point of the finance – I understand that you took other home improvement loan but I expect that this was secured on your property as you have said and then paid directly into your own bank account for you to provide to the builder of your choice.
In that case, the finance company has no particular obligation in respect of the building work.
However you manage to pay by bank transfer – to an account which is not even the builders – Big Fail!

You certainly haven't helped yourself by this kind of arrangement – although I suppose we have a basis for suggesting that there may be some tax question here. Have you had a proper receipt for the money? Do you know the builder is VAT registered?

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There is not much of a chronology, he turns up at random times if he ever did, the simple facts are


  • loan applied for home improvements granted by the bank secured on property
  • Builder details work he will carry out
  • commences work December 2020
  • Outside walls (still unrendered) and roof build March 2021
  • Water disconnected toilet removed March 2021 
  • Toilet installed incorrectly May 2021
  • Builder has not been on site since March 2021
  • Regular requests for builder to attend site since March 2021, builder promises attendance but does not appear
  • After 6 months this job has caused emotional problems for Daughter
  • Mat asked another builder to look at the work done so far he stated the walls need re plastering and the toilet is not installed properly, the bathroom window has been fitted incorrectly, majority of plumbing will have to be re done
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If he hasn't been there since march, how come that the toilet was incorrectly installed in may of this year?


Also have you been communicating with him in writing?

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Well it's very important that we get the serial view of the work here. When you said that the builder has been on site since March 2021 – that made me believe that nobody has attended the site and that no one could been done. Now in fact I understand that builders are turning up. It may not actually be him – but it is a builder appointed by him.

So once again, we need some kind of chronology that gives us an idea of whether the work is still continuing. When was the last time that somebody turned up.

I'm sorry to say that this is a bit like pulling teeth.

I'm doing my level best to try and get the facts from you in order to give you the best advice and it seems I'm having to stumble upon new elements all the time.

Also I asked you if you had had a detailed written assessment of the problems, the remedial work necessary and the associated costs. You haven't addressed this.

I almost feel that you are treating us in the same way that your builder is treating you


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Well that's up to you of course.

I can see that you are upset but all we are trying to do is get a complete picture of what has happened in order to give you advice to challenge the builder and to obtain at least the cost of making good and maybe some compensation as well.

If we were charging you £300 an hour – like the high street solicitor might, I'm pretty certain that you would give them what they needed PDQ in order to save money.

The help and advice we give here is completely free of charge – but there is no need for you to consider that it is any less valuable to you.


If you change your mind and decide you'd like some help to get things sorted out, then we are here for you – but we will need to understand the whole story.

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