Hi i bought a 2nd hand car 5 days ago costing £5300 after paying £250 as deposit to secure the vehicle while it was sent to have its MOT done by a MOT station of the dealers choice, i returned the following day and i paid £4250 via bank transfer and a further £800 by credit card i was told it had full dealership service history, 12 month MOT, it also was given a pre-delivery inspection by the seller himself. When i got home i was inspecting the service record and noticed it had not been serviced for 17 months some 20,000 miles ago in fact it had only 1 service in 4 years (50,000) i took it for granted when the seller give me a quick flash of the service manual showing the 7 previous services. I felt a bit conned after my phone call to him asking about service history, and on my viewing i was also told in front of a witness that it was full dealership history, i would not EVER buy a car without this criteria, the value drops considerably without this. I then got my local garage to service the car this was only 4 days into ownership at my cost, the garage then picked up on the hand brake not working at all and should not have past its MOT or a pre-delivery inspection by the seller. I rang the seller who's response was that the warranty would not cover it as its wear and tear and any repair would have to be at my cost at this end, i offered to have an independent inspection ie AA or RAC to have a look then it could be fixed at my end. I was finally offered the chance to take the car to the seller some 50 mile away to have a look, this could take upto a week to fix and i would have to arrange my own transport back home then back to pick up the car with no promise that its their fault. Any advice would be very welcome Thanks

Hi there. I have wasted so much time and stress trying to get a good condition/new set of garden funiture from Argos. It's been 3 months since we ordered this Furniture set:http://www.argos.co.uk/static/Product/partNumber/6523835.htm We didn't get a confirmation email after ordering this furniture. After calling Argos they said that there was an issue with the ordering system which meant email confirmations weren't going out that day but confirmed the order was successfully placed. We ordered this furniture in mid March. The product page stated delivery within 14 days. We were given a delivery date for about 2 weeks after order date. Just before the delivery date, we received a call to advise that there was an issue and that delivery would be delayed by another 4 weeks! Finally, on 13th May we received the furniture. Now this furniture is BIG! The boxes they came in do not fit through a front door and so I had to get delivery team to leave the boxes on our driveway and I opened them after they left and we carried the all the furniture through the house and into the garden. Upon close inspection we found several scuffs on the rattan effect plastic weave: Here the weave has been done incorrectly. These strands should be tight. On the other sofa it is nice and neat. I had a live chat with a customer service advisor and sent them the photos. You can view the transcript (guy was a bit insensitive) if you're interested here: http://pastebin.com/CTv5W3d9 They confirmed that it shouldn't have arrived in that condition and that the weave was defective. I offered to accept the furniture if I could get a discount for the defect and damage. After initially offering £29.99 they said the maximum they could offer was £49.99 plus delivery charge so I rejected the offer and asked for a replacement instead. As I was about to go on holiday in a weeks time so the next suitable delivery slot for the replacement furniture was 14th June. When this replacement set arrived it had even more damage! So I did a video of it to show Argos: https://youtu.be/T7LW8qypRTc I contacted Argos publicly on their Facebook page with a link to the video. They replied and apologised and said that 'small' cosmetic damage can happen in transit. They arranged for another replacement to be sent. This 3rd replacement set arrived on 17th June at 3.30pm despite time slot of 10am-2pm and I was on school run at the time (more stress!). This set was by far the worst of the 3. Damaged in several places (broken rattan) and the middle section was clearly very used and filthy! Here's a video of the 3rd set's condition: https://youtu.be/lzF0kDACckw I complained on their Facebook page again and asked for a manager to contact me. They replied to say that I can have a replacement or refund. I asked again for a manager to contact me and they replied saying that my complaint had been passed onto management who would be in contact as soon as possible. That was 20th June and no contact but I think I won't hear anything more now. We will see. Obviously I could just get a refund but I really want this furniture set. It would look amazing if it was in new condition. There are many many 5* reviews on the product page so other buyers aren't getting the same issues as me. My reason for posting is because I would like to know what I can realistically ask for in compensation, IF I actually manage to get a set of this furniture I am happy with. Here's a summary: 1.Delivery took 6 weeks due to 4 week delay despite Argos quoting a 2 week delivery on product page when we ordered. 2. Three sets of furniture delivered. All damaged/second hand etc. 3. It's been 3 months since they took our money and we still don't have a furniture set that we can use. As a result we have had no garden furniture to sit on since April. 4.I have had to miss out on 3 days work for deliveries 5. Stress and inconvenience of the whole thing. Thank you for reading this far and I'm sorry it's so long. Any help you or advice you can give me is greatly appreciated

Hi I'm posting this on behalf of my Mum who purchased her car in November 2015. She bought a ford C Max 55 plate for £2795 which came with a 3 month warranty. She's barely driven the car only having covered 500 miles since, but the car is starting to have quite a few serious faults, mainly with the ignition and some warning system regarding acceleration. None of it sounds very good and the AA have had to come out a couple of times to get her started. She's booked it in to the garage she originally got it from to be repaired and was wondering if the dealer is responsible to pay for repairs under the Consumer rights Act as there appears to have been new laws made from October 2015? I found the following on the Which website and hope someone can confirm it to be correct...... First six months - if you take the vehicle back within six months of purchase, the dealer should accept there was a problem when the vehicle was sold and offer a partial refund or to repair or replace it. If the dealer doesn't accept there was a problem when the vehicle was sold, they'll have to prove this. Any advice appreciated as I'm really pee'd off for her as she bought this car in the real need of having something reliable as she's on her own and quite disabled. Thanks for any advice Lisa

Hi Just received 2nd county court Claim form, within 2 days of each other, have another thread running for first one. Its from County Court Business Centre Northampton from the above claimants for an old Barclaycard debt that goes back to early 90's that was passed to MKDP and then Hoist Portfolio Holdings 2 Ltd, the debt collectors managing it are Robinson Way. The claim was issued on 04/03 The POC is as follows: The Claim is for the sum of £4710 in respect of monies owing under an Agreement with the account no. XXXXXXXXXXXXXXXX pursuant to The consumer credit Act 1974 (CCA). The debt was legally assigned by MKDP LLP (Ex Barclaycard) to the Claimant and notice has been served. The Defendant has failed to make contractual payments under the terms of the Agreement. A default notice has been served upon the Defendant pursuant to s.87(1) CCA. The Claimant claims 1. The sum of £4710 2. Interest pursuant to s69 of the County court Act 1984 at a rate of 8.00percent from the 24/06/10 to the date hereof 2076 is the sum of £2143 3. Future interest accruing at the daily rate of £1 .03 4. Costs Total Claim over £7363 I sent barclaycard a CCA Request few years back but only ever received their T&C. I have gone on mcol and done a AOS with defend all. I have also sent CPR31.14 to Cohen and CCA to hoist. Any further advice much appreciated, i assume i need to file a defence with 28 days is there any advice / links on best way to word it ?

Hi I have a car which was a Cat C - repairs were done and insurers were happy for it to be back on the road. Two weeks ago I was hit on a roundabout by a driver turning right from a straight on lane. Car went to Dingmasters in Bristol who have told me today that my car is write off. The damage was a dent above the rear passenger wheel arch and scratch to paint work. I'm not in a situation where I can find the money that easily for a new car after a few months unemployment. I have asked for the car back which they have said will be today. Can I seek a second opinion from another garage or will the insurance refuse? If they also say no (the garage) I've heard people talk about buying the car from the insurers - can I do that? Though it means paying twice for it and will it be easy to insure? thanks Mary

Hi all, I've tried searching for an answer, however I can't find anything definitive, so here goes:- as I understand it,the NCD is for the person, I say this, as if you have an accident you (the person) lose your NCD regardless of what car, van, lorry (unless you have a protected NCD, or would affect your NCD Also reinforced by the fact that if someone driving your car on a TP insurance on their policy, you don't lose your NCD. now, then, if the NCD is for the vehicle and not the insured owner, why, when you change your car do you not have to start the NCD process all over again. The whole insurance industry appears to be one big [problem]. I'd really like someone to explain in simple terms what this is all about......Or if you believe that car insurance should be for the driver, maybe lobby the insurance companies to be realistic and sensible......Is this legal even. Why should I, a driver with no accidents or claims should pay £195/year for the car I have now, but a second car would cost me nearly £1k. I shan't be driving the two cars at the same time, and whatever car I wont be driving will be locked up securely Comments explanations would be very much appreciated. is there some way I can get a better fairer deal?? Thanks all Ken

I purchased a 1999 Mondeo yesterday from Carlton Motors in Gloucester with a full years MOT for £500. 75k miles and felt good to drive. Took my boys to school this morning and had the engine die(rpm dropped to 0) twice in space of 150 yards. eventually got it home only to find an horrendous noise from the water pump area of engine. Does sale of goods act apply?

Hi there, I don't know if anyone can help, or if anything can be done, my problems are twofold. I received a Penalty Notice in October due to not showing a valid ticket. I purchased an off peak travelcard for all zones to travel across South London for the evening. The travelcard was purchased at a Southern Network Rail station just before getting on a bus to a London Overground Station. I then travelled two stops on the train and got off where I was stopped by inspectors who informed me that I had purchased a ticket for the wrong date (the next day). I realised that in my rush as well as being on the phone trying to sort an issue, I must have pressed the next day on the machine which I purchased the ticket from but understood that as it was a genuine mistake I would have to purchase another travelcard. To my surprise, the ticket inspector informed me then that I would be liable to pay a penalty fare due to not having a ticket to show. I explained that I just did not look at at the ticket when I got it, I did not attempt to evade a fare and this was not even the end of my journey as I still had to get on the Underground, I also presented my ticket to the driver of the bus and unfortunately the barriers were open at the London Overground Station where I got on the train so would never have used the ticket had I have been made aware. I have appealed the penalty fare, but it was rejected on the grounds that it is my responsibility and I should have let a member of staff know before I travelled. I presented my ticket to a bus driver before any train travel and I had obviously purchased a ticket just before I was about to travel, does this amount to fare evasion?? I have now been given 14 days as of last week Tuesday to 2nd Appeal but also to pay the fine. It is however not clear if I must pay the fine and appeal at the same time, or appeal and if rejected again, then pay the fine. I also want to ask if it is worth my time appealing again, or let it go I guess.

Many years ago, I was one of several directors of a company which subsequently went bust. As part of this, I somehow acquired a company debt on my personal name - PSA Finance plc - outstanding hire charges on one of our vans. I have no recollection of signing the agreement which would give them this power, although we did have one rogue director who may have signed as me - not that I have any proof of that. Anyway, the company went bust in early 2001. PSA finance threatened all sorts during 2001, and eventually (somehow) secured a 2nd charge on my house. During this time & subsequently, I have had no contact whatsoever with them. They continued to send threatening letters occasionally, e.g. we'll force you to sell up, etc. However, for at leas the last 10 years, I've heard zilch. Later on, I was almost bankrupted by HMRC, I got out of that one at the last second but they put a flag on the house. They subsequentlty sent me a letter which I have to forward to the land registry to clear that flag, which I've not yet done (this was all in 2002-3-4 or thereabouts, a bit of a dark time in my life. Anyway, moving on to 2014.... things are much better now, and whilst I still have some dodgy debts hanging over me, I'm pretty much straightened out. My credit rating is still crap, but that's another story... I now want to borrow some money to buy a 2nd property abroad. I have plenty of equity in the house, a decent income, and so on.... ...however, I suspect that 2nd charge is still lurking somewhere... I don't see it in my credit reference file, however, and I'm wondering if it's got old enough to be void? IS that likely to be the case, or is it still there hiding & waiting to bite me when I apply for a loan? Any assistance appreciated. PS: I don't believe I should ever have been charged the money PSA finance demanded, as I'm 99.9% sure I never actually entered into a personal agreement with them... and I don't want to go writing to them now in case the old head-in-the-sand trick has actually worked & made it go away... Cheers, Ade.

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If a claim was dismissed, can the solicitors have a 2nd bite ? POC are identical ? Can you advise on CPR or any case law applicable. Old utilities bill circa 2010, value 1500.00 Final reading provided, final supposed bill paid. Came out of blue. Defended grounds back billing rules, produced final bill in court that was paid. Claimant wanted to not go before judge in meeting before hearing, I insisted we did. Judge dismissed case. Any help appreciated... C

Could you please help me I have a suspended repossession order from May 2013. I defaulted on my mortgage repayments of £600/month in April and paid £1200 in May and have paid £600 on 30th June and am currently paid up to date. C&G have applied for an eviction date. I've told them that I am up to date with the arrangement we have in place ie £557.93 mortgage plus £42.07/month to pay off the arrears. Nontheless have insisted on going to court to get an eviction date.C&G (Evictions Dept.) say they wont speak to me until they get an eviction dat e this information is from the agent I spoke to when I paid my monthly installment of £600 on 30th June. I had a letter from the County Court today saying: Quote:Before Judge xxxxx County Court xxxxxxxx Upon reading Claimants Application and supporting witness statement It is ordered that: 1.The Claimant has permission to enforce the order for possession made in these proceedings on 27th June 2007 by issue of warrant of possession. 2. There be no order of costs The letter is dated 3 July 2014. I have no eviction date as I intend to go back to court to apply to have the warrant suspended. Can anyone advise me please.

Hi. I took my BMW 3 series to my local garage to have a 2nd hand engine put in as my last engine died due to no oil after a leak in that engine. the RAC took it to the garage and the garage gave me a quote of £800 that's the engine and delivery then about 30 mins later they rang me back and said it was £900, so I paid. I got the car back after about 3 weeks the engine was fitted and they also charged me for a new clutch plate but not the labour this was an extra £250 that they didn't even ask me about. altogether I spent £1,900 on this engine and I drove it round for a week and it started making a noise and loosing power again so once again I called RAC and they said I had an oil leak. so took it down garage and they said they couldn't find a leak but cleaned the engine and told me to go back in a week to see if they can see where its coming from. in the mean time I took it to another garage for some advice and they said I have 3 leaks in this engine. what can I do to make sure they repair the engine and also they said that if they have to take the engine out to repair it it will cost me labour even tho its their fault for not checking before putting the engine in. PLEASE help Thank you

Hi Please could someone can help me with the following, I have kept it s short as I can. A BAYV company took me to court for the return of goods, the civil case was heard last month and I defended myself, the judge adjourned the case as part of my defence was that the company's credit agreement was unenforceable, the judge set a 2 week time limit for me to write a statement explaining reasons why and a new hearing date was arranged for today, I turned up early but the claimant phoned 10 minutes before the hearing to say they would not be attending as there had been an accident and they were stuck in traffic, I went into court and asked the judge if he could strike it out as I did not think that 10 minutes was sufficient notice and I felt that the claimant should have said that they were going to be late and asked the courts advice, the case was the first one scheduled to be heard today, I said that I thought it unfair that I should have to attend court again as they were made aware in the first hearing that I suffer from anxiety and a chronic bowel disorder, the judge still decided to adjourn the case. I was very upset as I thought that the nightmare would be over today whether it went in my favour or not I just wanted it over with. When I got home I checked for road accidents and /or delays along the route that the claimant would take and the surrounding areas and there has been none, I feel so frustrated and upset that this company appear to be using delay tactics as they are aware of the personal difficulties I have or maybe they just wanted more time , I don't know Is there anything I can do?

This is a second claim I have received of 3 in total. I wish to defend in full. I have heard nothing about these accounts fro years and had no idea it was going to court. Name of the Claimant - MKDP llp originally HSBC Date of issue 24/07/2014 Date of issue 24/07/2014 + 19 days ( 5 day for service + 14 days to acknowledge) = 11/08/2014 + 14 days to submit defence = 25/08/2014 (33 days in total) What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. The claimant claims the sum of £3xxx being monies due from the defendants to HSBC bank plc under a bank account facility regulated buy the consumer credit act 1974 and assigned to the claimant on 08/12/2011. The defendant account number was xxxxxxxx. It was a term of the bank account that any debit balance would be repayable in full on demand. The defendants has failed to make payment as required by the statutory default notice served by HSBC Bank plc. Tha claimant has complied, as far as is nessarary, with the pre-action conduct practice direction. What is the value of the claim? 3400 Is the claim for a current or credit/loan account or mobile phone account? Bank account, but this is actually a bank account and a loan, HSBC combined them before selling them off to MKDP, I do no think MKDP are aware of this by the looks of the claim, its listed as a bank account. When did you enter into the original agreement before or after 2007? 29/11/2007 bank account and loan 18/05/2007. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Purchased from HSBC by MKDP llp 08/12/2011 Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Cant remember, but the apparent default date is Bank account 26/01/2008 and loan default 26/01/2009, MKDP list the default date as 26/01/2009. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments:- Ill health, loss of job, low income. Was there a dispute with the original creditor that remains unresolved? HSBC we unhelpful and basically said there was nothing that could be done. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Attempted to, they said I could not afford to.

I need some advice please on how to get a deposit back after placing one on a 2nd hand car. 2 weeks ago we found a car at a small 2nd hand car dealer but it had some issues. The deal was we would purchase the car if the issues (repair some bodywork, pass MOT, fix door seal, stop car veering to right when driving) were rectified. We agreed and I placed a deposit of £495 (Car cost £3995) on a visa debit card, signed an agreement and left. I have returned today to collect the car after being told all repairs agreed were fixed and the car was ready. On arrival we found that only the MOT and the door seal was repaired. The car still veered to the right, the original bodywork damage hadn't been sorted and in fact there were more paintwork issues since we first inspected it and agreed the deal. The salesman offered to repair the bodywork issues for £100 discount or they would repair them but we had to come back a week later. I was not happy with this offer and instead requested a refund. Ultimately they had gone back on their word and now i didn't trust the deal. The sales man said he couldn't authorise the refund and put me onto a call with the manager. The manager listened to the issues raised, provided the same offer of £100 which I declined. He then told me it was his policy not to offer a refund and if I wanted my deposit he would "see me in court" after a heated exchange he then threatened to "send the boys round" I understand that if you change your mind you shouldn't be entitled to a refund but surely in this case i have a right? 1. he breached the original agreement 2. The goods are faulty and have not been supplied correctly. the car is actually still for sale on a number of websites so surely i can also argue that he is not at a loss. what options do i have? thanks for any advice

Hi, I've had a Samsung UE40F6200AK for 11 months - in that 11 months I've had the same fault appear twice. The first time it appeared I rang Samsung and without a bat of an eyelid they arranged for an engineer to come out and repair it. Now that I think about it I expect this was a common fault as they didn't question it. The first fault happened after about 4 months. The latest fault, exactly the same as the first happened over the weekend. In both cases I get a darker horizontal bar appear, I can still see what the picture is but it's darker as though a "light" behind the screen has failed. My first question is, should I receive a warranty on the parts they're replacing? Secondly, what rights do I have as a consumer that's had the same part fail twice within the first year of owning the TV? In the first instance they replaced the LCD display as it seems this is not serviceable, I expect them to do exactly the same this time. Thanks in advance, Pete

People who have been prescribed powerful anxiety or pain relief drugs are being warned about a new drug-driving law. As well as outlawing driving while under the influence of illegal drugs, new legislation will include some prescription medicines. But prescribed doses do not exceed the limits for legal drugs, so most patients should still be safe to drive. Those who are unsure are advised to seek the advice of a pharmacist. The new law, to be introduced 2 March 2015 in England and Wales, aims to catch those who put the lives of others at risk while driving under the influence of drugs. If you are taking your medicine as directed and your driving is not impaired, then you are not breaking the law and there is no need to worry. It sets very low levels for eight well known illegal drugs, including cannabis and cocaine, but also includes eight prescription drugs, where the levels have been set much higher. Most of them, including Temazepan and Diazepam, are used for treating conditions such as anxiety. But the list also includes methadone, a heroin substitute, and morphine, a powerful opiate used for pain relief. Robert Goodwill MP, Road Safety Minister, says as long as they stay within prescribed levels, most people will still be able to get behind the wheel of a car. http://www.bbc.co.uk/news/health-31306714 New campaign to remind people taking medicines to check with their doctor or pharmacist before getting behind the wheel. The new law sets limits at very low levels for 8 drugs commonly associated with illegal use such as cannabis and cocaine. There are also 8 prescription drugs that are included within the new law. These are: clonazepam diazepam flunitrazepam lorazepam oxazepam temazepam methadone morphine However, the limits that have been set for these drugs exceed normal prescribed doses, meaning that the vast majority of people can drive as they normally would, so long as: they are taking their medicine in accordance with the advice of a healthcare professional and/or as printed in the accompanying leaflet their driving is not impaired https://www.gov.uk/government/news/drug-drive-legislation-am-i-fit-to-drive

Hi I was wondering if I had any recourse to reclaim some costs from a 2nd hand car dealer. I bought a Mercedes C180 with a 57 reg last week 13th January. When I bought the car I noticed that it was flashing a message that it was 266 days overdue for a service. When I pointed this out to the dealer he said that the reason for this was that it had been sitting since it’s last service and this was just an automatic countdown from the cars computer, whereby in reality it did not really need a service. Stupidly I believed him. Had I checked the service history I would have seen that the last service was in fact 10,000 miles previously at 52,230 miles and the car was now at 61.700 miles. Anyway I bought the car as it had everything I wanted on it and although a bit more than I wanted to pay, I was desperate to get a car as my old car had literally given up the ghost. I booked it in for a service with a reliable Garage that specialise in Mercs that I have been using for nearly 20 years. The car was due a B service which costs about £225 anyway and I would have been happy to pay for this. On inspection the Garage owner told me that there were a few things that were needed to make it road worthy. 1. It needed two new rear tyres as that on had a few miles left in them 2. It needed one rear brake pad 3. It desperately needed two new Rear Brake Discs as the old ones were badly corroded. Total Cost for these including VAT was £306 over and above the normal Service charge. There were a few other things that needed replacing over and above what is normally included in a B service such as Oil and Air Filters, but I am prepared to swallow that and in all fairness the Garage said that they could probably last until the next MOT due in November, but I said that I would prefer to get it all sorted in one go. So in all the service cost me £766. I would have thought that the 3 items above were essential and have been checked prior to selling the car to make the car roadworthy In the SoGA it reads Roadworthiness 5.17 You should ensure that you have procedures in place to check that vehicles you supply, offer to supply or expose for sale are safe and roadworthy. It is not sufficient to rely on MOT or service histories. This will usually mean arranging for a suitably qualified or competent person to carry out pre-sale mechanical inspections of vehicles and any problems that make them unroadworthy must be rectified. On another note, the dealer also sold me an extended Car Parts Warranty which I have since found out is next to useless. I asked the dealer to cancel that and to refund the money two days after taking it out. He told me that it was not refundable, which I know is an outright lie as I asked to cancel within the 14 day cooling off period and have since requested this to both him and the insurance company in writing. He has emailed back stating that it is not refundable, I am waiting to hear from the Insurance company (WMS) but am confident I will get that money back, but it was his outright lie that got my back up, and him thinking I did not know my statuary rights. If he lied about that what else did he lie about. Because my back was up about that I thought I might investigate the possibility of getting some money out of him for the tyres and brakes. Any thoughts whether I have a leg to stand on or not?

Brief Overview: I purchased a car around 5 weeks ago from a used dealer for around £1900 on the proviso they arranged for it to be serviced as advertised (it hadn't been). Post purchase we arranged for the cambelt to be done at the same time for an extra £230. After getting the car back various bits of trim had been put back shoddily and the car was seriously lacking power compared to before. Turns out the dealer users an 'ex-ford specialist' mechanic moonlighting from his normal job and not an actual garage. A week later it goes back to them to be fixed as the timing is clearly out, I get it back and whilst it seems some power has returned it now idles at around 1200 rpm and sounds bad. I also notice at this point that the Engine Management Light bulb has been removed although I foolishly didn't check this pre-purchase. I take the car back again and leave it with them for a week while I go away and am told they will send to a different garage as I didn't want the same guy working on it. I've picked up today to be told there is a fault P1381 - Variable Cam Timing Overadvanced (Bank #1) but they're not willing to spend any money fixing it as it drives fine and must only be a fraction out. I drive the car home and it's clearly in limp mode. I decide to get it looked at by an independent with a view to getting it fixed and claiming the costs back from the seller. The car has been looked over and come back with the following faults: P1383 - Variable Cam Timing retarded Serpentine Belt in poor condition Oil and Coolant Leak Bolt in top of rocker cover stripped of thread Engine Oil Overfilled Front and Rear Brake discs badly corroded Exhaust Blow, Cracked Catalyst No locking wheel nut found Based on all this and the fact I've given them ample opportunity to fix the original issue, which still isn't fixed I want to reject the car for a refund but am unsure of the exact steps to do so. My understanding is as follows: Write a letter of rejection with reasons why Await response If none then send letter of intent re small claims court If no response then start moneyclaim proceedings. A couple of questions though... What happens with the v5 document if I'm rejecting the car? Do I mention the fact that I will consider court action if we can't reach an amicable arrangement. Do I call to tell them that I'm rejecting the car before the letter? Do I insist that they come and collect the car from me? Sorry this is quite a complicated first post, any advice is gratefully received. Cheers Dom

Hello, I'm after some guidance and help if possible, we currently have a suspended repossession on our property which was suspended back in April this year providing we stick to the agreed monthly payments of £412.90 plus £60 towards the arrears. My partner is currently self employed and has been working but we have had issues with regards to him being paid and how much due to issues with who he is being paid by, I do work myself and earn enough to cover bills ect. We have had quite a stressful and testing time the last three months due to breakdown within the relationship and also we suffered a miscarriage along with the issues we had with regards to my partner receiving his money for works he had completed, this has resulted in us missing 3 mortgage payments and we have now received an eviction date for 10th November and feel like we have no idea what to do or where to start, we have a 14 month old son and we are worried sick that we are going to loose are home. Ascent legal who are acting on behalf of Halifax have advised that unless a lump sum is paid they will be continuing with the eviction. We are sorting through our differences and my partner has now begun work for another client and has begun to be paid regularly which enables us to continue with the monthly payment of £412.90 plus the additional £60 towards the arrears. Any help/advice would be greatly appreciated. Thank you

A little backgrround: My husband has Borderline Personality Disorder, Fibromyalgia, Asthma, query CAM type impingement of hip bones. he was placed into WRAG group upon renewal last May, we appealed which was turned down. Went to tribunal in February, adjourned without any questions being asked for GP records. Then the 2nd tribunal was held yesterday. the GP notes contained letters from the psychiatrist which contained many contradictions and some outright lies. EG he had seen my husband shopping in a superstore 70 miles from home walking normally and talking animatedly. My husband has never been to this shop. he claimed my husband had no need to use the walking stick (he has used it for 20 years, and quite often has to use a mobility scooter), claims he has lied about his symptoms to continue his 'dependence on the welfare state'. He originally diagnosed my husband as having Bipolar, then without us being told he changed this to depression, then severe anxiety, then claimed he was making the whole thing up and after a 2nd opinion has now settled on Borderline Personality Disorder with dysthymia and sociopathic traits. The tribunal judge warned us yesterday to get legal advice as the psychiatrists letters suggest my husband should actually not be on ESA at all. Our MH advocate is trying her hardest to get us some help but I just wondered if anyone had any experience like this or could suggest what if any action we could take. we live rurally and this psychiatrist is the only one who covers our area. Thanks

Hi. This is my first post but I have used some valuable information from this site in the past. I recently bought a Porsche 911 from what appeared to be a very reputable dealer. I had Porsche perform a 111 point inspection yesterday. They informed me of some serious engine problems and advised returning it. I called the dealer with this information and today I sent the following letter accompanying the inspection report, recorded delivery: On 29th June 2014 I purchased, and took delivery of, the above vehicle from XXX. On 2nd July 2014 I discovered that it was not of satisfactory quality. This was highlighted by the report produced from Porsche East London after an official 111 point inspection (attached). Within the report Porsche indicated the following: · Knocking noise from right-hand side of engine, suspected bore/piston issue. This was backed up by evidence of discolouration of left-hand side exhaust pipe caused by increased oil use on the right-hand engine bank · Right-hand front coil road-spring snapped · Brake pipe support bracket securing bolt snapped It was also indicated, which I had experienced from day of purchase: · Judder felt through steering when 1st applying brakes Section 14 of the Sale of Goods Act 1979 requires dealers to supply goods of satisfactory quality. However, the vehicle is clearly not of a satisfactory quality which is defined as free from minor defects, safe and durable for a reasonable length of time. You are therefore in breach of contract. I am legally entitled to reject the vehicle and to be reimbursed for its full purchase price of £xxxxx. I will give you seven (7) days to reply to me accepting, unconditionally, my request in principle and advising me of a date by which I will receive payment. If you do not respond, or you do not respond positively within this time period, I shall send you a letter before action that will outline my intention to recover the full amount plus interest , costs and compensation through the Courts. Once an agreement has been reached to the points contained within this letter, you are entitled to the return of the vehicle to your business premises (at your own expense). If they ask to inspect the vehicle do I have to permit them to take it away or can I refuse and demand a refund? One final note, I paid for the majority of the vehicle on Credit Card to cover me under Consumer Credit Act. Thanks,

Hi I have had tremendous help here before, after successfully suspending repossession on my first mortgage I am now being chased by my second mortgage co. I have large arrears on my second mortgage & they got a repo order but have not set a date for eviction now for over 6 months whilst I have been paying them £50 per month off the arrears but I promised them a lump sum payment of £1500 which my mom said she will give me, whilst it was waiting for them to accept the offer after them first refusing I was made bankrupt, I am much better off now, very little equity in my home but here's my scenario, I am now being hassled for the £1500 with threat of eviction, but if I accept this money from my mom then I should pay it to my official receiver, either way I seem doomed.

got 2nd charge mortgage, on repayment basis, only 23% of each payment goes to capital payment, the rest is interest. How can I challenge this, I think I am being robbed here, I was thinking of contacting the ombudsman about it. Is there anything else I can do? Any template letters to send to them? Any help / suggestions, will be greatly appreciated. Thanks