I purchased a car on 24/07/2012 from a local garage in my hometown, Leyland, Lancashire. When I got the car the oil pressure light came on when the car was ticking over. I immediately took the car back to the garage, I was told the car was OK to use until they could get me into the garage a week later (they use a third party garage) A few days later the car began to sound very loud/rattley. I also noticed that leaving the stereo on for 2-3 mins after turning the engine off would drain the battery so much the car could not be started. Again I told the garage this straight away and they said they would book it in the garage when t

Good luck. I hope it brings the outcome you want and need. If not we are all here for you on this site. You are not alone I can assure you. Please please don't make yourself ill, and let us know what the letter brings. Got it all crossed for you. xx

Did you have any kind of contract with the private medical provider? At the very least you normally would have to sign a document agreeing to the treatment. What did it say? I don't know if you have already, but did you write (always write) to the doctor, copying the hospital's management, stating that you are not satisfied with the outcome and would like to take up his promise of the free follow-up treatment? Ask for a copy of their complaints process. Is the hospital a member of the independent healthcare advisory services? You could also try calling the Patients Association for advice. I guess this is a warning to

this will help you with your options; http://smallclaims.me.uk/enforcement.htm Personally I would apply for an order to obtain information (Oral examination) before issuing a warrant. This should help; http://hmctscourtfinder.justice.gov.uk/courtfinder/forms/ex324-eng.pdf Please keep us posted.

VERY difficult one to deal with I'm afraid. Firstly you would only be able to challenge the employer if there was a potentially discriminatory element to the difference in pay - if one party was of a different sex, race, religion, age, disability etc to the other, then an allegation of unfair treatment due to that protected characteristic might be appropriate. If this situation does not exist however, then there is little that you could do as it is not unlawful to pay different rates of pay or bonus unless there is a discrimination involved. The second hurdle is to be able to prove that the different rates apply. If the colleague concern

Yep ... Bank accounts are not regulated under the CCA74 - but ODs certainly are under s10 (with part v exemption) All part v exemption means is that the bank doesen't have to provide a traditional cca document, as you would have signed and received with a loan or credit card. Instead they in place of a traditional cca document, will send you the copy letter of facility you would/should have received when the od agreement commenced (and every time the auth od limit was amended i.e increased or reduced). They also have to send you any copy terms and conditions, statements etc...... if they can't do this they are in breach of your

I think if they suspected something, she would have heard something by now. There's no way they'll collect evidence, find something which says she's guilty and just leave it for 6 years.

You can be taken to court by the creditor. However, there is no bulk court centre in NI, so the claimant can't avoid producing all the documentation when issuing the claim. This probably prevents some of the usual suspects bringing claims. If the card was issued in the Republic, it's more difficult for a claim to be brought in NI, though not impossible.

I was taken to court by 1st credit, statutory demand. I am in Northern Ireland and they are in England. But they didn't turn up and it was dismissed...

They are talking through their backsides and hoping you dont know your rights and give in to their demands. After reading this thread again, you dont really need a letter detailing their errors, as in all honesty they will probably ignore it. The best way to deal with it is send them this simple letter: " Dear idiots. Thank you for your recent communication to me. Please be advised that my offer of a repayment plan is the absolute maximum i can afford to pay without prioritising you above other creditors and without neglecting my essential outgoings. Despite what you may say or think, YOU do not get to decide how