Hi all This is my first post here and im hoping for some advice from you guys and also to share my experience as i proceed with my complaint i will try to be as thorough as possible without naming any companies as the complaint is ongoing and i wouldn't want to jeopardise that i bought a car in June last year for £8000 on a hire purchase agreement. it was 7 years old and sold to me with full service history at 87,000 miles a month or so later i noticed a whining noise from the rear end of the vehicle, nothing drastic at all but i thought i would get them to look at is as it was still under warranty. The dealer at this point booked the vehicle in for two days later an appointment i missed due to only receiving the dealers voice mail the day of the appointment i called the dealer and he said he would rebook it as it happened the appointment was rebooked for the following week which i missed again due to being on an emergency call out (being an electrician). at this point i decided i had inconvenienced the dealer enough and decided to change the oil in the differential to see if this would cure the issue and it did all the noise was gone and i was perfectly happy. that was until October 4 months after buying the vehicle. this is when i noticed a loud knocking from the engine took it to a local specialist who ran diagnostics and advised me to drive the car lightly for another 100 miles and take it back to see what fault codes had re-occurred which i did then took the car back to them where they diagnosed that there had been damage to the bottom end of the engine most likely due to low oil pressure or poor servicing and this is when i decided to approach the HP company and raise the complaint. upon raising my complaint i had nothing but "we will get someone to call you back" for weeks until i got a letter saying their final response was they would not pay out as the vehicle had covered 13,000 miles since i picked it up, this is not true as at this point the vehicle is sat around 90.500 miles and i had covered only 3000. this was due to them having the mileage at inception some 10,000 miles less on their system. the car was MOT'd the day i bought it so i sent them a copy of that and they re-opened the complaint and i was given a claim handler but to cut this part short they messed me about for 9 weeks then issued a final response saying they would not pay out because they believe that me not having the differential looked at (rear end of the vehicle) had caused the engine failure. this was the point i contacted the FOS and asked them to review my case and i gave them the above information. the adjudicator then contacted the lender and asked them for some information and asked for my evidence to back up what i have claimed. the adjudicator gave her initial opinion last week that the complaint be upheld and the lender should pay for the repair and compensate me £200. in response to this the lender asked if i could evidence the oil change for the rear axle which considering i did this myself i cannot. the lender then gave their view that they would not pay out because they say i drove the car after it was diagnosed with a major problem (this is simply untrue and frankly they have no way of proving otherwise the car has sat on my drive since the day i got it back from the specialist). they say when i reported the whine from the rear end i also reported an engine management light (again this is a bare faced lie and i had never experienced or reported anything of the sort). obviously a bit deflated by this i did a little research and contacted the main dealer that last serviced the car in my service history book they have said that the vehicle was in the workshop on the day in question but it was for a free health check (tyres/wipers and such) and not a service. i have copies of their job sheets and pictures of my service book to back this up the service book is clearly ticked to say the oil and filter was changed. this clearly proves that the last time the engine oil was changed was the service previous to that one some 30,000 miles ago and obviously the vehicle does not have a full service history. i have provided the adjudicator with this information and am expecting her final opinion on the matter before next Wednesday. obviously being one of the parties involved i cannot give an impartial view on this but i feel strongly that this is a pretty clear cut case of vehicle not of satisfactory quality and that of misrepresentation all i am asking for is that my vehicle is repaired so i can finally get on with my life as i feel this is taking all of my time and energy. im so sorry for the long post and bad grammar but i have tried to fit in as much information as i can any opinion on the above would be greatly appreciated and i will update this thread with any progress i get from here on out to hopefully help someone else out in the same situation

At the end of my previous mobile phone contract I decided to change provider and move to Vodafone. It was one of the worst customer experiences of my life. Coincidentally, at that time, I became unemployed and having registered my old number with many recruitment agencies and former colleagues/employers I desperately needed my original number to be available for them to contact me on if/when any suitable roles came up. I was told by Vodafone that the transfer of my number would be straight forward and there would be no problems. It would all be sorted within 24 hours. Unfortunately I trusted them to make this happen. It eventually took around 3 weeks for my number to function correctly. I made many attempts to get this sorted with a variety of Vodafone call centre personnel who 'sincerely promise' that my number would work within 24 hours. I made each one give me a timescale for it being resolved before ending the conversation. Each one lied just like the one before (I have copies of the calls/chat conversations). I called into 2 separate (local) Vodafone shops on more than one occasion to try to resolve the problem. I was in absolute desperation due to the employment situation. My original number could be used to make calls but I couldn't receive ANY. My mobile number was in limbo. I couldn't return to my original provider and I couldn't receive any calls through Vodafone. The manager in one of the branches really tried to help. He understood the situation and to appease me (he had limited power to resolve the issue) gave me a free 30 day sim card on a new Vodafone number. The manager of another branch also tried really hard to resolve this but he told me it was a known issue with Vodafone. He had 3 more customers coming in THAT day with the same problem. Apparently the problem was due to the network and systems being inadequate to deal with the transfers. He also mentioned that I wasn't likely to improve quickly. I've now been contacted by a debt recovery agency who are asking me to contact them about this, no doubt wanting me to pay for a Vodafone bill. The day my number was completely ported into Vodafone and working correctly I IMMEDIATELY requested a PAC number to leave Vodafone and return to my original provider. I did this and was fully operational with 24 hours. I also cancelled my DD with Vodafone so I've not made any payments to them for the 'service' I received. Also worth noting is that during my sorry dealings with this company I noticed that they don't seem to like to put things in writing. During the on-line 'chats' to resolve the problem they requested to contact me by my landline phone to discuss the problem. I refused this offer so that I could maintain a written account of what did happen. I have since received more calls from Vodafone and each time I refuse to talk with them. Even though they have my email and home address details they have never communicated the so-called debt issue with me. They are now using a debt recovery agent (who do have my email address!!). As yet, I have not responded to their request. Any advise on what to do next would greatly be appreciated.

My 21 year old grandaughter recently took her car for MOT. She had won a voucher for a free MOT at a local garage in a raffle - not the garage she normally uses and not one she would probably have considered otherwise. It failed spetacularly and they quoted her £700 for repairs - fortunately she had the sense to decline and walk away. She subsequently presented the car for MOT at another trusted garage. Result - no problems and a pass. Clearly the first garage was at fault and needs to be reported for this as they must be doing this on an ongoing basis to anyone who is prepared to fall for it. Clearly they need to be reported for this practice but we are unsure as to who is the relevent authority. I think Trading Standards may be the way to go but I would appreciate any advice on this.

Really need some advice here....I'll try to keep this as short as possible. Friday (8/4/2016) I parked on a public road near a dog park. I'm in the park and next thing I know I see someone clamping my car. After speaking to the enforcement agent (he worked for Marston Holdings) he told me that there was a warrant out for an outstanding debt which I had not paid. He looked it up and apparently someone driving my car had committed an offence on the 21st September 2015, I had been contacted to provide the driver details and had not responded so the case went to court and I was charged with failure to provide driver details to the court (HMCTS London NW). He showed me all of this on an iPad but could not tell me what the original offence was. He then said it was late (it was around 4pm on a Friday) and the office would be closed so I would have to wait until Monday to find out what the original infraction was. The unusual thing however was that on the enforcement details/warrant they had my father's information (we have the same name but it was his DOB and NI number) and he passed away in 2012! The other problem was that I moved house in 2013 and did not tell DVLA hence why I didn't see any of the letters I assume they sent to me at my old address. the overall fee was at £1400 (£961 was the original debt, £235 enforcement stage, £75 compliance stage and another £110 for the tow truck). I waited until the last minute to see if this was all legit but the tow truck came and I ended up paying the full amount I'm not sure exactly how to proceed.... I am thinking to contact Marston Holdings and ask to be sent a copy of the warrant, find out what my initial offence was and ask to see evidence of that and proceed from there. Has anyone been in a similar situation or know what I should do here? can I get my money back? Any help/replies are kindly appreciated.

Hi there, New to this forum but it all looks helpful. Im sure this question has been posed here before but im just seeking clarity on my legal position. Bought an £800 sony vaio laptop from Currys (for my sins) in Oct 2013. It was the most expensive windows laptop in the shop, sold to me after I explained I use it for work and it gets lots of use so needs to be a machine which will stand up to it rather than a cheap laptop that will struggle to keep pace... It has been repaired once by Currys already in Summer 2014 (software failure, they reinstalled windows for me and thats about all). Last week, after 2 years 3 months, it has died completely. I have returned it to Currys for them to asses, but I am expecting it could be a motherboard failure and as such pretty much a write off and time to buy a new one. I have a friend who works for Currys repair centre, and he has advised me that Currys are obliged to repair or replace under the Sales of goods act regardless of warranty, something he described as retails best kept secret. Having raised this point with Currys the lady was quite firm in her denial ("in thrity years of working here ive never heard of a free repair to a 2 year old machine" ...etc). She claimed that wear and tear on the key board and case showing it has been used a lot as opposed to someone using it once a week to check facebook has to be considered when assessing what is reasable to expect in terms of the life of a laptop. While I take the point that number of hours use affects overall years of use, I feel that 2 years 3 months is not a reasonable time for a laptop to fail to the point of replacement, especially not for an £800 machine sold on the basis of its durability. I feel the amount of use is irrelevent given the short time frame, as to support that argument is to say that the laptop was not suitable for business use or capable of being used for anything other than light domestic home use, contrary to advice given at point of sale and contrary to the price tag. Having read some other threads here I am under the impression I may be entitled to some compensation if not a full repair/replacement, on the basis that the sales of goods act states it must "reasonably not be expected to have failed" which I think is the case. The issue of "fault being present from manfacture" can only be prooved by virtue of the fact it has failed, and would only fail after time not necessarily when first purchased. If an indpendent report was needed I can arrange it, I certainly havent spilled anything or dropped it, or otherwise caused reason for it to be faulty and the nature of it being inside the laptop means its hard to really break a motherboard any other way. I would appreicate advice on how to approach the issue given Currys known stubborn attitude to these problems and a better understanding of my legal rights. If needs be I will buy a new laptop (elsewhere), but I do feel I am being robbed of at least a couple of years use of a machine and therefore should be compensated towards the cost of a new one. Many thanks in advance Jon

In October last year we had an awful cruise holiday aboard Norwegian Epic. The ship had been in dry dock and was delayed departing by a day; this meant that one of the ports of call would be missed. We were given the option to accept the new itinerary or have a full refund. As we had already booked train travel to Southampton and a hotel room on non-refundable rates we didnt want to cancel as this would have been over £200, so we took the new holiday. Onboard, the service was terrible and the cabin filthy - it wasn't cleaned for three of the days of 6! We had a truly miserable time. Now the interesting bit... In all of NCL's literature and on their website it says that there are multiple restaurants open for breakfast, lunch and dinner. This wasn't the case and when the ship was in port (4 days of 6) the restaurants were't open and only the buffet was available. When we got home we complained to NCL, who have since said they would have paid for the hotel and train cancellation had we wished to cancel the holiday; we weren't advised of this and the letter to our travel agent from NCL concurs this wasn't an option. Owing to all of the issues we had, they offered 15% refund. I have complained to the Advertising Standards Agency who have told NCL to amend their literature. We've since started pursuing this via S75 of the Consumer Credit Act and will see how things go - I'll keep you all updated as it could be quite an interesting case

Hi everybody, I have a van Toyota Hiace from 2004. I bought it this summer (July) and from the beginning I regularly bring it to my garage. I spent around £700 in 7 months for maintenance. Initially I did a general service, i changed some mechanical parts, tyres, and recently I did the MOT. A couple of months ago the orange light of the oil turned on, i checked the oil and it was full. I spoked with my mechanic about it and about the fact that the van was doing some smoke at the start. The mechanic cleaned the filters and told me that the light was probably caused by an electric malfunction and that there was no risk in driving the van. On the 21 of December my colleague was driving the van when it stopped in the middle of the road and started to do a weird sound. After several trial the van started and he manage to reach home. When we went to the closest garage (which is not my usual) they say that we were running without oil and the engine failed and need to be replaced. I went to my garage and they confirmed that i need to replace the engine. The cost of my van is £2200 + the work done that are around £700. Replacing the engine with a second hand one is going to be around £600 work and £500 cost of engine. I would like to understand if my garage has some responsibilities on what happened. If I bring my van regularly there, I asked about the specific issue with the oil lights and they tell me that i can run without problems and after few weeks the engine get damage so badly that I have to replace it do they have any legal responsibility? Thank you. Filippo

Hello everyone. New here but hoping for some advice and will try and include as much relevant info here as a starting point. Background.We own the leasehold of a flat in a Council owned purpose built block. Bought in September 2014 and lived here full time since April this year. Property is managed through a "not for profit" ALMO set up by the council in ?2004

I purchased a 19 month old Vauxhall Insignia in May 2014 from EMG in Ely. On the whole the car gave me excellent service, apart from a few niggles, which were rectified under the Vauxhall 3 year warranty. However, in September this year, I noticed that it was getting more & more difficult getting the car into gear. The car was just under 3 years old, and had covered 43,000 miles. I took the car into York, Ward & Rowlatt, in Wellingborough to have it looked at. After a test drive, they said that the clutch had failed & it would not be covered under the warranty, and would cost £982 to put right. I then phoned Vauxhall Customer Service, and was told that it COULD be covered under warranty, but only if the failure was deemed to be manufacture defect, and not wear & tear, and, I would have to agree to an inspection involving removal of the gearbox. This had to be done at a dealership, and if the findings concluded wear & tear, I would have to pay for the inspection, but it would be included in the repair if I paid up. Needless to say, they came back to me with "wear & tear". After several phone calls to Vauxhall, they said that they weren't interested. They would not even offer a good-will gesture. As far as I could see, the clutch was not worn due to bad driving, otherwise it would have been slipping, and I would have noticed a drop in fuel economy. Once in gear, the clutch was fine. Eventually I agreed to have the work done "under protest". I asked Vauxhall for a fault report on the original clutch, and also information on the expected life of the clutch. Originally they said that they would not have that information, but I pushed them, as I couldn't believe that a manufacturer would buy in parts for which they had no idea how long they would last. I was promised this information "no later than 16th October". It is now 18th October, and needless to say I am still waiting. Whilst I am not happy with Vauxhall, the people I have been speaking to have been courteous and as helpful as they could be within the company guidelines. I am a great believer that any problems I have with a company, it's not the fault of the person on the other end of the phone. There are numerous motoring forums on the www, and most seem to have disgruntled motorists posting complaints about Insignia clutches, some of which are after only a few thousand miles. This is quite clearly not an isolated problem, and it's about time Vauxhall got their act together and helped their (hopefully valued) customers.

Hello all, finally got myPPI back and refund of additions account, so thank youth those who've me great advice. Now it would seem Barclays is in the discrimination game of where you live! Just got a letter (took 15 days to get to Cyprus!) informing me that because i don't have 100K in my current account and because i live in Cyprus they will close my accounts on 11 September. Just spoke to them and first information was don't worry, you use your account so ignore the letter but because i wanted that in writing i then got told this wasn't true - oh how strange!!!!!! For starters, how many customers keep 100K in their accounts? I haven't used my UK Barclays debit card for any purchase in Cyprus (well not for 7 years anyway) i only use it to purchase items from retailers and pay bills in the UK but thats not good enough. I am now being told where i can live, how much money i have to have in my account in order o bank with them. Isn't this discrimination against other EU states ?(and yes Cyprus is in the EU) Even better, i am returning to the UK for good as soon as my house is sold but unless I'm there before Sept 11 2015 i won't have a bank account. I wonder what they will do when i can't pay my barclaycard bill due to not having a bank account~! Does anyone know if this is legal or are they breaking some EU banking code. thanks for reading my rant

Hi, where does a driver stand if they have appealed using the parking firms own process (which was turned down), which included a request for a POPLA code, but the POPLA reference was never provided?

Hi, hope all are well. Got a few fires burning at the moment, this one has failed even before it started. Summary as follows: Family member, financial problems. Defaulted. Token Payments being made. I sent a C.C.A. Request in April, should have received something start of this month. Nothing arrived. Made a Formal Complaint to the CEO's Office including a 'Account in serious dispute' letter, complaint ignored. Now 2 weeks overdue. Gave them a deadline to reply by. Complained on twitter, they've replied, but they are delaying the situation. [They'll probably figure out who I am by this post I'm sure]. I've given them my own Final Response. What can or should I do now? Stop payments until they reply? Make a further complaint? If so, to whom? I figure that if they can dictate and give deadlines and expect the consumer to abide by it, then the consumer can do the same in return. TIA Kind regards

Hi All, This one is a little different to the others I have read through and I'd love your advice please. I have just had a requisition for magistrates court through from the DVLA for failing to SORN my vehicle. I sent the relevant SORN documents to the DVLA in plenty of time (roughly 4/5 weeks before the date they say on the requisition)...I then received the penalty (£50 raising to £100 if not paid quickly etc) through the post but thought nothing of it as I'd sent the SORN off weeks earlier. One week passes and I receive my "SORN Acknowledgment" through the post but dated after (1 week to be exact) the date I am being penalised for. (ie my vehicle didn't have insurance for that one week/wasn't SORN'd) I sent a letter to the DVLA explains about sending it weeks earlier and must've been misplaced etc to which they swiftly replied telling me I was still liable for the penalty as I had not prosessed it in time. This is the problem because I had sent it in plenty of time and either a delay by Royal Mail or the document being delayed for processing at the DVLA itself has caused the overlap in dates. I've sent off the requisition and pleaded Not Guilty and requested their witness to attend court. Is this the right thing to do?? I have no proof of posting but refuse to be bullied in to paying a penalty I don't deserve. Any questions just let me know Your thoughts would be appreciated, thanks, T

To cut a long story short there appear to be hundreds of examples online in various forums of VAG/Audi oil pump failures - balancer shaft smoothing on end causing pump to fail and any number of other engine issues as a result - and unfortunately I've had a similar experience. I'm simply wondering if anyone has taken out a court case/small claims against either VW/Audi/Skoda - depending on the model of car you had where you experienced a similar failure causing expensive to repair damage to engine etc as a result - and on what grounds. Also more to the point were you successful in your claim? Due to a second oil pump failure - after paying £1800 to replace oil pump and blown turbo which resulted from original oil pump failure - I'm pretty much looking at writing vehicle off as scrap but now considering whether it would be worthwhile trying to recover original £1800 spent repairing first oil pump failure which was subject of a technical bulletin to dealers from VW group but never subject to a recall. From what I can gather online - posts from people more mechanically minded than myself - the oil pump should last the life of the engine and in these instances have been failing due to poor design/engineering. That being the case I'm wondering if there's the potential for me to make a claim in small claims court bearing in mind I've never given the dealer I purchased the car from or Skoda the opportunity to rectify matters in the first instance. In my own defence that was because nowhere have I been able to find anyone who got anywhere with them other than perhaps a token goodwill discount off dealer repair costs. That being the case I had the work carried out myself by an independent VW master technician. I'm really interested therefore in if anyone out there reading this has had a similar experience and decided to go to court by way of obtaining a remedy and if so was the claim against the dealer, manufacturer or both? Thanks

Hi, Firstly sorry for the long winded post but just trying to summarise our problem and will get to the point eventually lol, hopefully someone can help with my fiances problem, My Fiance moved in with me in July 2014 and she has some serious medical conditions that have been going on for 9 years and aren't going to get any better, She moved from the south to join me up north and we both new it was important to become registered with a local GP as soon as possible with her requiring constant repeat prescriptions for controlled drugs. She approached the local GP surgery and requested registration, was given a form to complete and thought that was that, from there its been nothing but a nightmare. On our first visit to the GP we were informed that the secretary had registered her on a temporary basis and not permanent meaning her files wouldn't be requested and the GP would have no info on her conditions and problems, the secretary said it was done in error but it was ok as after the 2 month period she could register again on a permanent basis, creating major problems as the level of her medication which had been established over the last years with her old GP was under question by the local GP and trying to explain all the medical problems (there are many) seemed to be falling on deaf ears and literally taken with a pinch of salt and disbelief by the GP. As my fiance is on such high levels of meds she frequently had to request repeat perscriptions due to the GP not allowing the levels her previous GP and pain clinic had perscribed as they had no medical notes infront of the explaining her medical history. On one occasion my fiance (who struggles to get out of bed some days and has great difficulty getting about) walked up to the surgery as per practise rules to order a repeat prescription and allowed the 48 hours for processing, as my fiance was unwell and had ran out of her med's for a day I went to collect the script that had been ordered to be told that there wasn't one there and the secretary then looked at her computer screen and said there was no script, and went on to work out how much medication my partner should have left for the time period from the last script (thought this was a clinical decision and not one a secretary should be making or discussing openly on reception infront of waiting patients), despite my fiance being on a sliding amount relevant to her pain, this calculation made by the secretary was wrong leaving my fiance with no med's and told that it would take a further 48 hours to rectify (the med's are controlled drugs and cannot just be stopped), despite this there was no offer to rectify the secretary's error straight away and refused to be able to see a doctor urgently. Obviously we were disgusted and frustrated. On another occasion my fiance had an appointment to see a GP, as she is unsteady on her feet I escorted her to the surgery, her appointment lasted 25 mins to my surprise and on her exit she had a urgent referral letter to hand to the secretary, she informed me that the GP had found a lump in her arm, one in her armpit and one in her breast, the reason for the lengthy consultation was that the GP had to call a second senior GP for a second opinion, the urgent request was handed in and we awaited an appointment. Several weeks passed and we received a Book and Choose appointment to the local Skin Tag clinics, my fiance rang and enquired with the skin tag clinic if this was the correct referral for lumps in flesh i.e lumps in breast tissue and in armpits, she was told it was a skin tag clinic for removal of lumps ontop of skin and to contact her GP surgery and notify them there has been an error as she had been referred to the wrong clinic. upon doing this my fiance managed to speak to the secretary that had made the referral and she apologised for the error but was told that she couldn't rectify the problem and that she would have to go back and see the GP for it to be rectified, an appointment was made for two days later for 11.30am despite my fiance having an hospital appointment the same day for 3.00pm for an endoscopy but due to the worry of an urgent referral that hadn't turned out that urgent in their eyes my fiance accepted the appointment. On the day of the GP appointment and the endoscopy appointment my fiance hadn't slept all night with worry, she fell asleep at 7am. I tried to wake her (which is difficult enough on normal days due to the medication she is on) for her GP appointment but was unable to do so right upto half an hour before the GP appointment, so i rang the surgery 25 mins before she was due there to notify that she wouldn't be able to attend and informed them the reason why, I was told in a not so nice way that I should have called Half an hour before the appointment and that this would go down as an Did Not Attend, despite the secretary being very off in her manner I asked if we could reappoint as the appointment was regarding an Urgent referral that had been made with the wrong clinic and that the referral was supposed to Urgent despite 3 weeks passing and hadn't been rectified. With that the receptionist checked the appointment and informed myself that my fiance had been made the GP appointment but that she had Dropped of the system due to her only being temporally registered and the 2 months had expired so she wouldn't have been able to have see the doctor anyway! Obviously this created great confusion and frustration, my fiance had an appointment booked but had she have arrived at the surgery she wouldn't have been able to see the GP?? and was told before my fiance could have an appointment she would have to go to the surgery and register as a permanent patient, I was then asked if my fiance was available to talk (due to patient confidentiality) I told the receptionist that my fiance had just stirred from her sleep due to her bad night of worry and that she was'nt really in a state to talk but she said its fine if a can just talk to her plz so i passed the phone over to my fiance, i was by her side and could hear the receptionist being very abrupt and talking down to my fiance, to that my fiance asked the receptionist said 'excuse me iv'e only just opened my eyes, would you mind not speaking down to me like something you've just stepped in and talk to me a little more civilly), my fiance was explained why she would'nt have seen a doctor today if she had attended and told to visit the surgery and register as a permanent patient, my fiance hung up, this was a friday so she could'nt get to the surgery until monday as she had her endoscopy to attend that afternoon. Monday came and my fiance realised that her meds were very low and that she needed to register as a permanent patient to avoid complications as in the past, she rang the Surgery and asked what the procedure was to register permanently and that she needed an appointment due to her med's running low. She was told by the receptionist that the surgery would'nt accept her as a patient due to being Verbally Abusive to staff and she had to find another GP surgery, she was also informed a letter was out in the post notifying her as to the reason why. We never received any letter so we rang and asked the Practise Managers name to address our complaint to and was informed Dr X by the receptionist, so we wrote to Dr X asking for a meeting regarding the accusations and what had happened in the past, Dr X replied refusing a meeting/appointment stating that on several occasions my fiance had been verbally abusive to staff and due to the NHS zero tolerance procedure the practise wouldn't accept her as a patient. So we sent a section 10 Data Protection Act Request for my fiances notes and copies of any documentation including notes of the alleged verbal and abusive behaviour including dates and copies of any referrals made urgent or non urgent and to which clinic, along with the stat £10.00 postal order. we have since been sent a reply from Dr X returning our postal order stating that they no longer hold any records and enclosed a list of dates and circumstances that my fiance was supposed to have been verbally abusive to staff but these are written in his letter not copies and to be honest none of the dates tally with appointments she had and the seems all fictional there's double appointments she has missed apparently after the date her notes so called dropped of the system??? the GP clearly refers to evidence he holds in his hands and on a recent telephone call to the surgery with an enquiry about my fiances sicknotes the typed her name in their system and they informed us of dates that they stared and finished in the past, so obviously something is on their system. We sent a letter notifying DRx that he had failed a s10 Request and returned the postal order and that the days are still counting down, and just had a reply stating that ' we do hold statements from staff regarding your communication and conduct during your contact with the surgery, however as it has been abusive both in the surgery and over the telephone I'am refusing to release those statements to you on the grounds that should I do so, I feel there is a real risk of my staff having further abuse which is not acceptable' and that he has taken advise from his local NHS information Governance Support Officer. We have since found out that Dr X isn't the practise manager as informed although Dr X has taken it upon himself to reply and that Dr Y is the Official Practise manager. (again informed by receptionist that Dr X was Practise Manager???) Can anyone please advise if this is correct??? if we can continue persuing any documentation they hold on my fiance?? the pure incompetence of the receptionists is unbelievable and beyond belief the claims being made are so far from the truth, my fiance has been with her old GP for 13 years and not one complaint made against her but yet she moves here and within 2 months there's two or three and I have been with her in the surgery at the alleged times and also within earshot on the phone.. and none of these alligations are true. Since this farce with the Local Gp and only a week after the refusal to re register there my fiance ended up in hospital for two weeks prior to christmas and this could have been avoided had she her GP to call on... Again sorry for the lenthy post just hope we can get some help/advise Hadituptohere

Travelling on the M25 at 9am lots of traffic, sudden and increasing knocking noise. Indicated, changed lane and decreased speed but within seconds there was a bang and the engine light came on. Engine stopped, but luckly managed to pull onto the hard shoulder. Car was covered in oil around the sides and bumper. AA towed car to garage. Timing Chain Tensioner had failed so they carried out a compression test to check damage, which showed a failure on 1 of the cylinders. Thinking this could be fixed they removed the exhaust manifold and found that the bottom end was completely ruined! I purchased the car from new, now has 46,000 miles on the clock and mainly used for local journeys, first three years BMW maintained and then well maintained by local BOSCH service centre. It was only in the BMW service garage a few weeks ago for a recall on the turbo collant pump. I have found lots of mini owners in the US with similar issues. Any more in the UK? If so please post. We need to get BMW to accept there is an issue and recall. The mini cost me £22k and is now worth £0. CONSUMER ADVICE? LEGAL ADVICE? HELP!!!

I just arrived back from holiday today for over a month and noticed that I received a letter saying that I had failed to notify the dvla about the disposal of my vehicle and that I incurred a fine of £55. I arrived back after their payment date. I am wondering if I will be compelled to court or whether, because of my being away when the letter arrived and for the duration if the payment window, might I be able to pay the original fine? The closure date was yesterday (Friday). I arrived today (Saturday).

I am having a dispute with Volkswagen over a turbo that failed on a car I bought from one of their dealerships. The car had done around 6,000 miles when I bought it but just a fortnight after the three-year original new car warranty expired the turbo failed at around 23,000 miles. The repair bill would have been in excess of £3,000 but whilst the dealership paid half of the labour charges and as a 'goodwill gesture' VW paid for all parts, I was still left to pay just under £400. I have attempted to recover this from Volkswagen but they have refused to pay. I am arguing with them that under the Sale of Goods Act 1979 they should be responsible for meeting my costs as a part as major such as a turbo should have a life expectancy of well beyond 3-years and 23,000 miles and should probably last for the life of the car. I am now considering taking legal action against VW to recover the £400 that I am out of pocket and my legal insurer have advised me to issue a 'Notice of Intent' but I am not sure how to do this or what the wording should be. Can anyone help please?

Hi, I have a debt with Lowells bought from HFC Bank, for approx £290 the last payment/acknowledgement was in March 2009. Lowells bought the debt and started sending me letters and calling as they usually do. However after first reading this site I sent them an SAR in March 2014. They have dragged their feet attempting to comply with my request until today (Sunday) I received an email from them the contents below. They sent statements and other fairly useless info to me but failed to send an original CCA signed by me. They have now stated they do not need to and instead sent me a copy of the agreement I may have signed way back in 2005. The copy has my details handwritten but no signature or anything else. Is there anything else I can do about this, as they say I now have 30 days to "arrange a repayment plan".... As you can see from the email this has been going on since March 2014. I also have a Barclaycard debt with them for which I am just starting the same process as on the original SAR they only complied partially with the HFC account and again have done nothing with the Barclaycard SAR or account since then - well over 7 months for them to get the info together which they presumably dont have!!! Contents of todays email copied below ---- Original Creditor: HFC Bank LTD I write further to our email dated 21 August 2014 and apologise for the delay in responding. Summary of your complaint You are unhappy with our contact in relation to the above former HFC Bank LTD account, as you believe we have failed to supply you with all the information you have requested under the Data Protection Act 1998. My Findings Please be aware that under Section 7 of the Data Protection Act 1998, we are only required to provide you with the documents that we hold. We have no obligation to seek and obtain further documents that you request under this legislation. Our records show that we responded to your request for information under Section 7 of the Data Protection Act 1998 and provided you with the data you are entitled to under such a request on 5 March 2014. The Data Subject Access Request pack we provided complies with the requirements made under the request. I note that you have requested a copy of the signed original credit agreement for the above account. The documents required to be supplied in relation to any account governed by the Consumer Credit Act 1974 have been the subject of a lengthy legal test case of Carey v HSBC Bank PLC [2009] where it was held by the High Court that to comply with such a request:- 1. The original signed agreement need not be supplied, as a reconstituted copy of the agreement is sufficient provided it contains the name and address of the person as it was when the credit agreement was signed; and 2. If the terms and conditions of the credit agreement have been varied following the date it entered into, then a copy of the last varied terms should also be supplied. Given the above, please find attached a reconstituted copy of the agreement as supplied by the original creditor, HFC Bank LTD. I have also enclosed statements of the account which demonstrate the balance remains outstanding and due. I have placed your account on hold for 30 days to allow you the opportunity to review this information to contact us with your repayment proposals. If we do not hear from you within this time, collection activity will resume. I hope that this response concludes the matter to your satisfaction. If for any reason you are not satisfied with this response, please do not hesitate to contact me on telephone number 0800 5420 058 or reply to this email. Please refer to our email dated 21 August 2014 which gives you the right to refer this matter to the Financial Ombudsman Service.

I bought a 2GB memory card from a second hand shop which I found out I could not use. Now before I purchased the item I explicitly asked about what were my rights if I wanted to return the item before I paid for it on my debit card. I was told that was fine but I would receive the value in vouchers which I had to spend in store again. I accepted this and proceeded to pay. I actually found out that day the memory card was useless to me as it did not match the slots I had. 10 days later I walked in to the store only to be told I was not entitled to a refund because I had to return it within it 48 hours if I was to be eligible for a full refund. They said I could sell the item back to them but I refused. It was never made clear to me verbally or in writing and I think this is grossly unfair. I now have a second hand item that is useless to me. I was prepared to receive the full value of credit to spend in their store again but frankly I would never ever spend my money on them again if this is how the treat their customers. Please tell me what is the correct procedures to undertake as I wish to make a formal complaint and reclaim. The high street store is part of the webuy.com franchise but the shop in particular is CEX in Lewisham.

Hi, im looking for some advice. Approx 15 years ago I sold my motorbike to a guy through a newspaper advert and sent off the green slip. I hadnt heard anything since then until I received a Failure to Notify letter a month or so ago. I wrote back saying i did return the slip (which I would have done) and that i didnt have the person I sold it to's details but they wrote again saying I had to pay £55 to avoid court action (or £35 if I pay promptly). I filled in the dispute form and wrote a letter explaining I couldnt provide the persons details as i dont keep my records that long and that I thought that given the timescale involved i thought it was unreasonable to continue action against me but they have written again and advised that as its my responsibility to pursue the acknowledgement letter confirming they have updated their records and I didnt, they intend to take me to court if I dont pay. Whats peoples views and experiences - given the 15 year timescale involved if I push it all the way and go to court i s the case likely to be dropped or am i likely to have to pay a bigger amount and court costs? Any thoughts appreciated! I dont want to go to court but im willing to if theres a good chance action would be dropped. Thanks in advance Nick

Hiya.....please help. Received a court summons this morning. Part ex'd our car in December at a skoda dealers and was asked to leave signed logbook with them to sort out... ..3 months later received first letter from dvla.. .wrote back saying the above. Heard nothing back until today. ..phoned up dealer to find out what happened and was told they lost the logbook so needed to reapply for a new one.. the dealers have let me down. ...I have 3 weeks until my court date - any advice? Thank you X

Hi All Hoping someone here can help. I sold a van around 6 months ago. Logbook was signed by the new owner and myself etc and it was posted out the next day. Couple months later I receive the normal letter with a fine failing to notify them. I did not respond to the letter but did ring them explaining the logbook was sent out already. 2 Weeks ago I received a "No ASL Required" Requisition from DVLA/Court stating I had to go to the court on the Wednesday. To be completely honest, I misplaced the letter and did not enter a plea and did not show up at court. My stupid fault yes. I phoned the court today to get the results and I've been fined £200 + £20 (surcharge) + £90 (court costs). This is all because they are claiming they never received the logbook. Is there a letter I can send the court or do I just pay the fine? Thanks, Mike

So as the title says, I received a failure to insure letter, however, checking on the website, it says my bike is actually SORN. However, I never received a letter saying it was confirmed and the letter says I am still liable for the offence because I don't have that. I put the SORN through a couple of weeks ago (definitely prior to the date listed - 27/05/14) however, I don't actually know when they officially put it through as I've not received the letter. The website says it's SORN'd however (But there's no date listed when it went through). What do I do? Can anyone offer me some advice?

Hi guys... Basically, since i upgraded my contract back in march 2011, i have had no signal. I moved a day or two after i upgraded, and my new area has no signal. I called orange, and they basically said "tough sh.." so ive been in contract, paying for the past 16 months for a phone i cannot use. O n 29th may i signed into my account, and found out my price had been increased! - I was not informed of this... apparently texts were sent, but i didnt get one... So, as the text would be stored on Orange systems, I have put a SAR request in... under the DPA, Orange are not entitled to request more information than absolutely necessary in order to process the request... this has been going on since may 29th, and no luck is progressing , ive refered my case to CISAS... what i want to know is Orange has my details, account address, bank details ETC, so therefore my SAR request below would stand correct? below are last few messages... I recieved a letter in the post this morning from orange saying that they want a copy of a utility bill showing my full address (Orange could provide me with this) and a copy of my passport (they are already well aware of my ID) - their letter also states they will not deal with my SAR until i complete their form... which i do not intend to do, but the letter also states "A fee for the sum of £10 made payable to Orange (we are entitled under the DPA to charge a fee of this ammount)" on their actual SAR form it states "Under the DPA 1998 you have the right to ask if we process your personal data and if so to be provided with a copy of that information. Please complete this application form (typed if possible) and return it to us together with a payment of £10 (cheques should be made payable to Everything Everywhere t/a Orange. We will reply within 40 days of reciept of the completed form and fee" now please correct me if i am wrong on my possition that my email started the 40 day limit on 13th June 2012, as i gave them permission to debit my bank / card with the £10 fee... my CISAS complaint does not revolve mainly on the price increase, but the numerous complaints i had with orange for poor broadband service, lack of billing, failure to provide service, and failure to reply to complaints... The CISAS have accepted a previous message from Orange as a "Deadlock letter" as Amanda has stated in it " We are happy for you to seek independant advice on this matter and we will not reply further" but wont actually issue a deadlock letter... I intend to take ORange to Small Claims court, so my SAR (see how detailed my request is below) will be my main weapon against them, with the numerous complaints ETC I filed with them. i also like the fact that orange wont respond to my complaint for lack of service as she cannot "locate my previous correspondance" (totally rude, and absolutely irresponsible in my view)... - but it all goes in my favour with CISAS... I have asked for CISAS to basically give me £120 (contract payments for mobile service not being recieved) and a formal letter of appology from orange for lack of support / reply to complaints, and a termination of my account with no fee. I feel this is well below what i am entitled to. I have put no claim in for damages ETC... so would you guys say this is would go through well? if CISAS cant deal with it appropriately, I will take it to small claims, and the SAR will be key with "Cell Data" showing i have been unablee to use my phone in my home area.