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    • If you are buying a used car – you need to read this survival guide.
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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.

      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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Standard retirement pension


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We're not really a benefits advice site here but I'll give it a go as it's had me puzzled about my own SP!

April 19th is a Friday so is Friday your SP "Payment day of the week"  based on your NI number according to the gov.uk explanation I've posted below?

If so then the reason appears to be that your increase in SP is only due from the end of the first full week after 8th April, with 'full week' for you being the 7 days Friday to Friday. "End of" because SP is calculated  weekly in arrears even though it is paid 4-weekly in arrears. 

The national increase in SP rates comes into force on the first Monday of the new financial year, which this year, as you say, is Monday 8th April. Your first Friday payment day after 8th April is 12th April but that isn't a full week after the national increase, it's only 5 days (8th - 12th). So you don't get the increase until the next payment day, Friday 19th, as that's the end of your first full week [7 days] at the new national rate - your weeks always begin on a Friday. 

Complicated? Of course, this is the DWP we are talking about! But, assuming Friday is your "Payment day of the week" according to your NI number, your payments appear to be correct.

When is the state pension paid?

The new state pension is usually paid every four weeks into an account of your choice. 

You’re paid in arrears for the previous four weeks – which is why April's payment increases won't be paid in full until May.

Your payment day depends on your National Insurance number. If it falls on a bank holiday then you may be paid earlier. 

Last two digits of your National Insurance number Payment day of the week
00-19 Monday
20-39 Tuesday
40-59 Wednesday
60-79 Thursday
80-99 Friday

Source: Gov.uk

 

 

 

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