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    • I was due to settle on my new house last Friday , with deposit already paid and mortgage in place. However at the last minute the sellers solicitor has confirmed there was a 2nd mortgage taken out on the property by the previous owner. I therefore can't buy the property until they know the debt was paid. the company was Welcome Finance and the debt was sold to Prime Credit 5 Sarl. No one can find contact information for them to confirm that there is no outstanding amount due. Both my and the sellers solicitors are looking into this but coming up blank so far. can anyone help as we are all ready to move and this has completely set us back. All help and advice very much appreciated.  
    • I wonder how many republican mega farms etc are being raided? (also note the 'slavery option)   US farm workers on Ice raids in the fields: ‘hunted like animals’ | US immigration | The Guardian WWW.THEGUARDIAN.COM In the latest installment of a series on undocumented workers, farm workers explain how fear has ripped through their communities after raids  
    • I have looked for similar threads using your link and Google search here but cant find much with defences. Is there something I'm missing dx? Letters all sent for now and my first draft defence written which I will show closer to the filing date.   Do many of these DCAs read this site? Just curious so they know your defence etc early?   Thanks
    • stayed. dead at present. if it remains that way for months then could cost the claimant £100's more in fees to lift the stay. dx  
    • Student banking deals are ramping up as banks fight for university-bound customers.View the full article
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hello, I recently became unemployed in December. Since then I managed to get back into work on a Zero Hour Contract. Anything to be free from the dole was a bonus in my mind. The problem I have now is that this job never lets me have any work. If I phone they apologise and say there isn't any work, if I wait I don't receive a phonecall or text so what can I do? It's an awful situation to be in. As I was desperate to leave the Job Centre and for the first few weeks I got some decent shifts out of it. I was warned when I started work that there might be quiet periods and was then later told by a different member of staff they rely on you for a few weeks to fill the quota and then you are just added to a never ending list full of names. When it's really busy you are required. When it's quiet which is most of the year they will pick a select number who have worked for a while and are able to work each and every shift.

 

What I did then in mid March was decide to reapply for Job Seekers Allowance. The forms seemed to go on forever seeing as I had recently took up employment. Still employed just not received any work since. Got all the information sorted, signed on, had to wait a week or two to get the forms sorted.

 

I have been told by the Job Centre that I must use a site called Universal Job Match. I was made aware of this site before I signed off in February. As I had a start date due and it wasn't mandatory until April the 2nd I think I never bothered signing up to site as it wasn't compulsory. I had also heard the site was shocking and amateurish.

 

I have since signed upto the site and started using it frequently as that is what the advisors required. What I am having trouble with though is the fact that this site is much worse than any other. The first time I signed on I was told to stick with Universal Jobmatch. I did that and I found that every job I apply for the status says received and not one has been viewed for over a month of applying. So what is better about this site over any other than what they can do to track what you are doing? It doesn't seem to be very popular, companies are not flooding in from all angles and the site is truly dreadful. Yet I keep being told to use the site as they are not happy with me applying for jobs on Indeed, Totaljobs and Reed my personal favourites. So limiting my choices is not helping me in the slightest.

 

As I'm 23 years old I applied for a few apprenticeships as it was part of my Job Seeking Agreement when I first signed on when I was aged 21. Not many Apprenticeships around in the sector I was looking at back then. As I was employed I was earning over £400 a week so I wasn't necessarily going to drop down to £70 and travel long distances on public transport as most of the apprenticeships are quite a travel and for what you get paid it would leave me in a lot of trouble.

 

Then funnily enough I received a phonecall saying am I still interested? 2 months after I first applied for this apprenticeship position. I had no idea who the company was, who the learning provider was and what the actual job was. She explained quickly. With what was going through my mind I just decided to say no as a two year course which would only fund me until 24 years old, the travel and the wage wouldn't cover much and I'd find myself out of pocket. I was just wondering if I had applied for this job myself will I be sanctioned? As I've been thretting over it for the past week.

 

Not received anything else. Universal which I feel restricted to don't bother looking at the CV's. The only other phonecall I have had from an unknown number is a survey team and as my number was new then I'm guessing some of these job advertisements are fakes. Still classed as employed just in a bad situation.

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You can be directed to open and use a Universal Job Match account if your adviser thinks it is a suitable option for you to have the account. It is not mandatory to give DWP access to view the account.

It is mandatory to create a UJM account from 04/03/2013 but you can refuse to set up from home due to the cookies, but if there is internet access elsewhere that you can utilise you will be advised to use UJM from that facility.

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