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    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • 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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Boris Johnson, former Prime Minister


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On 05/02/2022 at 19:28, tobyjugg2 said:

Profiting from others misery and destitution in expectation of extended dividends

 

Energy stocks (.FTNMX601010) outperformed, rising 3.8% to their highest level in nearly two years as oil prices extended gains on U.S. supply concerns amid frigid U.S. weather and ongoing political turmoil.

 

On 09/02/2022 at 09:04, tobyjugg2 said:

 

BP posted gargantuan profits of £13bn last year – but has paid £0 (zero, nil, nada ) tax in the UK for the past five, according to research by Uplift and first reported by Channel 4 News. BP, whose chief executive previously described the pandemic as a “cash machine” for the company, is also extracting billions of pounds from the UK taxpayer to help decommission its operations in the North Sea.

 

PLUS:

"extracting billions of pounds from the UK taxpayer to help decommission its operations in the North Sea."

 

 

and on Top of Sunak giving banks billions in tax payer money in tax relief

 

"London’s big four banks – HSBC, Barclays, Lloyds Banking Group and NatWest – are expected to pay out bonuses totalling more than £4bn when they report their annual results in the next fortnight.

Combined, the banks’ annual profits are expected to exceed £34bn – the most since 2007 in the boom before the financial crisis.

The bankers’ huge paydays come days after the governor of the Bank of England, Andrew Bailey, who was paid £575,538 last year, called on workers across the country not to ask their bosses for pay rises to help control inflation, which has soared to a 30-year high of 5.4%."

 

 

WWW.THEGUARDIAN.COM

Bumper payouts are ‘kick in the teeth for everyone else suffering with the cost of living crisis’, say critics

 

 

So we can see whos getting the money that could have been used a thousand times over to feed hungry UK kids and keep them warm...

 

  • Sad 1

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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and 'Global Britain'

Boris the Liar 'pledges' 25 million quid to "strengthen security in the Indo-Pacific as part of a pact with Australia" to counter the £Billions China is spending in the region

 

That would be EITHER:

 

* One wing off a Typhoon and a couple of hellfires

OR

* Those two jeeps and a squad of squadies with some RPGs that Truss shipped to Stockholm guarding Ukraines' flank shipped over to Australia for 18 months or so

 

.. maybe even both if the Australians contribute to their support while there.

.. perhaps to guard Alice springs against a Chines Fleet or two and the contents of couple of Chinese built military Islands

 

I'm sure the Australians are as unimpressed as I am.

 

WWW.REUTERS.COM

Britain committed 25 million pounds ($34 million) to strengthen security in the Indo-Pacific as part of a pact with Australia, and leaders of both...

 

 

 

.. Its rumored Botswana has pledged £100M and a couple of old PC's for cyber-security to Trump Johnson

 

Edited by tobyjugg2

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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"In between meetings in Saudi Arabia, Nadine Dorries, the culture secretary, announced the removal of legal restrictions designed to prevent the media mogul from interfering in the editorial independence of the Times and the Sunday Times, hurdles put in place by Margaret Thatcher when he bought the newspapers in 1981."

 

"Murdoch has long railed against these restrictions, which he described as state interference, but which allowed him to avoid a deal-busting referral. It took until July 2019 for his complaints to gain any traction, the same month Boris Johnson became prime minister."

 

 

"The revolving door between Downing Street and Fleet Street has already seen Johnson’s director of communications become deputy editor-in-chief of the Sun, a paper which failed to break any major “partygate” stories.

Some publications featured extensive stories and headlines about the partying prime minister,

while others – particularly on the Sun, the Express and the Mail – have struggled to get these stories on their own front pages."

 

WWW.THEGUARDIAN.COM

The mogul knows how and when to flex his muscles, and this has allowed him to capitalise on Boris Johnson’s weakness, says Guardian columnist...

 

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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Johnson and Murdock - neither fit for positions of responsibility or fit people to run a shoeshine IMO,

let alone a company, news empire or country, and I have no doubts whatsoever that even Thatcher would agree with that.

 

Johnson has a brother who apparently thinks hes ****

Murdock a son ..

 

Exactly the people we DON'T want in positions of influence.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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Also needs to be gone before any real change can occur

 

 

FLjvU2iXwAMTeC7.jpg:medium

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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Well, so much for the Met blocking release of the information in Grays report touted as based on not allowing the guilty to work out excuses ...

 

WWW.INDEPENDENT.CO.UK

Sue Gray allows limited access to her notes to everyone at No 10 under investigation – including the prime minister

 

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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I more concerned with the simple fact that the excuses the Met used to prevent grays report being shown (whoever ordered the Met to do that) aka they didn't want the accused access to the info - is suddenly 'no longer applicable

 

If that is the case, then full report now please as the presented justifications for NOT releasing it have proven invalid ... or FALSE

Edited by tobyjugg2

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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This could make the UK look very bad and I don't think it will go down well with our European neighbours.

 

WWW.THEGUARDIAN.COM

Downer’s appointment is clearly a political move aimed at boosting Boris Johnson’s government’s chances of re-election

 

Illegitimi non carborundum

 

 

 

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The EU isn't who he's trying to align with in the hopes of giving away even more UK business and money

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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Johnson 'Tories attacking a large portion of their base:

 

WWW.THEGUARDIAN.COM

As ministers look for ways to stem rising NHS costs, some warn against the move during a cost of living crisis

 

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The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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Breaking rumors:

 

Rumors that there is might be a big brexit bonus (for a few) as a major international bank may be considering moving to a locale (even) more in line with its philosophy

 

 

WWW.THEGUARDIAN.COM

Massive leak reveals Swiss bank’s accounts have been used by an array of high-risk clients over several decades

 

Edited by tobyjugg2

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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as Johnson and Sunak usher back in the age where insurance companies could squander peoples money and go bust leaving those with policies ... with just about the worth of the paper they are written on

 

WWW.REUTERS.COM

Britain will unlock "tens of billions of pounds" of insurance sector capital that should boost the economy through infrastructure investment...

 

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The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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They're desperate to get hold of money from insurers - and pension funds - because they haven't managed the economy properly to have this capital to invest. 'Infrastructure' sounds like levelling up.

 

I don't agree with this and think they will just take risks with other people's money, without giving them the choice.

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Illegitimi non carborundum

 

 

 

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£95 billion is actually not very much money to unlock.

 

The risk is not worth taking, as Government will end up underwriting the failed companies, if there is some major event they don't have the finances to deal with.

 

There was an interesting discussion on the radio recently, where a property investment expert, was saying that investment companies were buying large numbers of new and existing houses. And this was one of the reasons for the lack of supply and quick sales.  They then let the houses out, causing rents to increase as large property owners take control of the rental market.

  • I agree 1

We could do with some help from you.

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3 hours ago, unclebulgaria67 said:

£95 billion is actually not very much money to unlock.

 

Depends how many 'Pals benefit .. you can be sure the taxpayer or policy holders wont

 

3 hours ago, unclebulgaria67 said:

 

The risk is not worth taking, as Government will end up underwriting the failed companies, if there is some major event they don't have the finances to deal with.

 

You mean Taxpayer - which is what the riles they are removing were implemented to prevent

- asset strip and collapse the debt on taxpayers after profits go in bonuses and dividends (and no dividends for policy holders - just 90% loss)

 

3 hours ago, unclebulgaria67 said:

 

There was an interesting discussion on the radio recently, where a property investment expert, was saying that investment companies were buying large numbers of new and existing houses. And this was one of the reasons for the lack of supply and quick sales.  They then let the houses out, causing rents to increase as large property owners take control of the rental market.

 

Dont doubt it.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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Well, some of the Russian money representatives are on Johnsons 'advisory panel' or whatever they call it at the moment aren;t they.

 

In a Russian accent:

Well Johnson, the first thing to suffer from sanctions on Russian money is your donations don't you?

 

The corrupt liar:

I can assure you it just be bluster and a token with nothing significant done

 

Times is paywalled so:

WWW.HUFFINGTONPOST.CO.UK

'Cash for access' accusations after super-rich donors given places on a secret advisory board.

 

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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Britain really is the laughing stock of the world, only mitigated by the worlds contempt at Johnson antics, and the UK public putting up with it.

 

Like that pitiful sum to help Australia 'dissuade the Chinese expansion in the Pacific:

 

Overheard on an Australian military base:

'Hey Bruce', Shouts Bruces Sargent toward the dunny ' The poncy pommy drongo has donated about half toward our dunny paper'

Bruce shouts back '.. with the front page of the Express in his hand ... 'he already was Sarge he already was' ..

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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WWW.THEGUARDIAN.COM

Exclusive: letter from Anneliese Dodds says PM allowed Tory chair to ‘blur the lines to boost party coffers’

 

 

" There were 12 figures named who had been invited to meetings since the Covid-19 crisis began in March 2020, including Lubov Chernukhin, a former banker who is the wife of Vladimir Putin’s former deputy finance minister Vladimir Chernukhin.

In total, the board members were said to have donated £22m to the Conservatives, including £9.9m since Johnson became prime minister less than two years ago.

The two figures central in putting the board together and maintaining its access were named by the Sunday Times as Lord Lister, Johnson’s former chief strategic adviser, and Ben Elliot, the Conservative party’s co-chair."

 

"Anneliese Dodds, Labour’s chair, said the UK had become “a laundromat for kleptocrats’ dirty money” and that “our institutions have been damaged and an entire cottage industry has grown up dedicated to lobbying for and protecting those close to the Kremlin”.

Edited by tobyjugg2

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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A reminder from last year. The select committee said the Tory government didn't find any evidence of Russian interference in the electoral process because they acitively didn't look.

 

WWW.BBC.COM

Parliamentary committee releases damning report detailing Russian interference in British politics.

 

Illegitimi non carborundum

 

 

 

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Kier Starmer should ask Boris how many tennis games he has played against Russians. And did the Tory party receive any donations following these games ?

 

 

We could do with some help from you.

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