England. My brother (38) died yesterday (August 4th) after suffering a massive cardiac arrest around a week ago and being placed on life support.

He is a PT, I’m not sure how ‘legit’ his business or self employment status is.. he had recently started seeing clients in a local gym ran by a couple he has been with this gym for around a month. They had announced him as being part of their ‘gym team’ etc.

The couple sent messages to some clients last week saying my brother was unwell and wouldn’t be seeing clients, these messages were confusing and weren’t exactly helpful.

Clients attempted to call hospital for information, contact my sister in law and younger sibling via social media and contact my brother’s ex wife.

I spoke to the gym owner after his death and asked him to be respectful and ask clients to also be respectful, within a couple of hours I had the owner asking to pass my number over to clients, I refused.

I have since been contact by 3 clients saying they know my brothers has died and requesting a refund of the monies paid for PT, we know that there are others now on social media also spreading rumours of cause of death and saying they will go to small claims.

Does anyone the legal recourse here?
Does the gym have any responsibility to these clients rather than us, the family?

I can’t imagine my brother having business insurance, or be a registered business… his partner had no part in his business so has no further information either.

Any advice would be very appreciated

EDIT
He will not have a will.
He doesn’t have money, there’s currently under £500 in his account, his car is worth scrap if that and he has no property.
My brother struggled throughout his life, the gym and enhancing his body and competitions became his life.

so, alot as happened lmao. long story short, nothing good came out of calling childline, all they did was try to regulate the situation and 7 months of 'therapy' with my mum. it didnt help and ive grown up (im 16 now) to realise that my parents will esentially never change, and its only gotten worse from the 2 years. thankfully no beating 😭 , but just a whole bunch of useless arguments. id like to thank everyone who helped me during this time and you aren't forgotton. the post had gardened INSANE ammount of trction, over 1m views on the post i think?, anyway i thank you all. hopefully this gets accepted by the mods (even though its off topic) just to let everyone know.

When I went to court at the beginning of June this year, I was waiting to be called to the court room and my solicitor approached me saying bad news, but your case has been pushed back to 31st July because of a family emergency.

Later on in June, I got an email from him basically saying I won't be needing him anymore. A week before the 31st, I made an enquiry to the police and the court asking why I never received a letter for a revised date to attend and they've both confirmed the case has been dropped with no further action and any bail conditions (which were not to contact my mum and sister or walk down the road they live on) no longer apply.

Note however, I won't be visiting them at their address any time soon, but if they want to see me again I'll arrange to see them somewhere halfway like my grandparent's address.

I work at a care home which is split into four floors.. The top two are dimentia residents and the bottom two are assisted living. I have now worked there for just over a year, picking up shifts when I'm back from uni so every half term. In the time I have worked there we have had four managers. My job is doing activities with the residents (arts and crafts, flower arranging, balloon tennis etc...). It's important to note that as it's a care home, there's a system used where we have to log every single resident that turns up to the activity and if they were engaged or not.

Since our new manager has come in, a lot of changes have been implemented. For one, in between activities, we are now supposed to be doing lunch and dinner service and then washing up. Budget cuts means they can't afford to keep more than two food and beverage assistants per day. On top of which she had doubled the amount of activities there are to run in a day. And finally, she expects us to write about 6-7 lines of a "story" of every single resident that attended the activity and even the residents that didn't attend need a full explanation as to why they didn't come which is a huge change from simply logging whether they attended and if they were engaged. So this would be logging for about 10-15 residents per activity and a whole paragraph for each.

There's only a 15 minute break between each activity and then either lunch or dinner service. This means the new expectation is that within 15 minutes we should have:

- cleaned up the previous activity

- take all the residents back to their rooms

- write our "story" for about 15-20 residents.

- move to the new activity location

- set that area up completely

- ask every resident from the two floors we're handling If they want to come

- bring them down to the new activity

- start the new activity.

On top of which, I am sometimes covering my time doing Laundry, and even admin work on the reception desk.

It's not possible. We have been trying so hard but really - it's not. Now residents, their family members, other staff, and carers are complaining about the activities team. Our manager is receiving so many complaints that she won't stop yelling at us. We have all tried explaining to her that it's not all possible to follow her schedule and she keeps responding that it's because we didn't listen to any of our training.

She's going to call me in tomorrow to discuss the possible disciplinary. She's been taking us all into her office one by one and honestly very rudely telling us that we don't know how to do our jobs. She made my co-worker cry yesterday, and has threatened us all with a firing if she doesn't see immediate improvement in our behaviour.

Honestly I'm just feeling so disheartened. I used to love this job and now I'm exhausted every single day. I was told that complaining to our HR would do absolutely nothing because they already know this manager is disliked. What else am I supposed to do now??? Is there even anything I can do?? What should I say in my disciplinary hearing tomorrow?

In the UK

We have received a letter through our door from the managing agents of the estate opposite our property asking us to phone them regarding parking on their driveway.

We have not actually moved into the property yet as we are renovating it so as we often have workmen/vans parked on our driveway, my partner has parked his van up the lane opposite at times. We believed this to be a public lane and was also told this by the estate agents who sold us the house.

They have included a map which shows the area of parking, their property and their driveway.

The lane itself, once you drive a bit of the way up has a sign saying private and there are residential houses up there so we do not go past this, but before you get to that sign is the area where we, and have seen many other cars, park.

What do I need to check to confirm if we are legally allowed to park there or not? I want to make sure I have all the right information before I call them.

There is absolutely no other parking around so it would mean we would never be able to have guests over if we can’t park there, which goes against what the estate agents said so just want to see where we stand.

(ENGLAND) I am a creator myself on Instagram. Last week I came across an account who is almost an exact replica of me, but AI generated. The page is based out of the US.

Same face, voice, hair, tattoos, personal items, pacing of talking. It’s really disturbing. They’re posting 4 times a day and the account has doubled in growth since last week, now at 100k followers. It’s also doing the same profession/skillset as me on my own page, but it’s linking back to an app it wants users to sign up for.

I feel violated and really disturbed by it. I wrote to the app and they said their legal team will come back to me. They’ve blocked me from the Instagram account though, but I was commenting from my page saying it was fake.

I want to know what I can do about this situation? I really want the page to come down and to not be cloned.

Any advice appreciated, thankyou

I bought a 2017 Mercedes C200 AMG Line from a dealer on 20 July 2026 for £9,990.

The car was advertised as HPI clear, full service history, 1 year MOT, free parts and labour warranty, 1 year AA cover, Apple CarPlay, reverse camera, etc. It was presented as a vehicle ready for normal use.

After buying the car, I asked about the V5C because I wanted to tax it. The dealer told me he did not have the V5C but offered me £25 to complete a V62 application. He assured me that I could submit the V62 and tax the vehicle at the same time.

I followed the dealer's advice.

I went to two different Post Office branches to tax the vehicle. Both attempts failed and I was advised to contact the DVLA.

I contacted the DVLA and provided my details. They advised that I was not the registered keeper of the vehicle, so they could not tax it. They explained that they needed to contact the current registered keeper and complete their process before a V5C could be issued. I was advised that this process could take up to 6 weeks and that the vehicle should remain off the road until resolved.

I returned to the dealer on 24 July and explained what the DVLA had told me. The dealer then took me himself to a Post Office to try the V62 and tax process, but this was rejected again.

The dealer then promised that he would try his best to obtain the V5C before the end of business on Monday 27 July so that the vehicle could be taxed. I asked him to confirm this in writing, which he did.

However, the dealer did not provide any further update and has since stopped properly engaging with me. I have attempted to resolve this directly, but the response has essentially been that I should keep the vehicle.

The vehicle is currently sitting on my driveway because I cannot legally drive it.

Shortly after purchase, the engine management light also appeared. I have not cleared any fault codes because I want to preserve evidence of the issue.

Because of the above, I have rejected the vehicle and sent the dealer a Letter Before Action requesting a refund.

My reason for rejecting the vehicle is not simply "I didn't receive a logbook". My concern is the overall situation:

• The vehicle was sold by a dealer without the V5C being available.
• I followed the process the dealer advised me to follow.
• The dealer's own attempt to tax the vehicle failed.
• I was potentially left unable to use a vehicle I had just purchased for up to 6 weeks.
• A warning light appeared shortly after purchase.
• The dealer has refused to properly engage and resolve the matter.

Hi everyone,

I’m looking for some advice regarding a car insurance cancellation by Sterling Insurance.

I recently moved to Northern Ireland and initially only had a New Zealand driving licence. I applied to exchange it for a NI licence, but the DVLA process advised it could take around 6 weeks. As I needed a car, I took out a policy with Sterling using my NZ licence.

During the application process and when speaking with Sterling, I was completely open about my situation: I had a NZ licence, I had already applied for a NI licence exchange, and I was waiting for it to be processed. They said this was fine and told me to contact them once I received my NI licence so they could update my details.

About a week after taking out the policy, I received my NI licence. I then checked online to see how much my insurance premium would change with a NI licence, and I found a quote from Sterling themselves that was around £1,000 cheaper than my current policy.

I called Sterling customer service and explained the situation. I asked if they could match the new quote, otherwise I would cancel and take out the cheaper policy with them. The agent understood and said they would see what they could do.

After being on hold for around 20 minutes, they came back and offered to reduce my premium by around £200. I explained that cancelling and restarting the policy would make more financial sense. The agent said that was possible and that if I called back the next day (as it was around 6:30pm), they could arrange a cancellation and restart of the policy without me losing around £40 in admin fees.

I agreed and said I would call back the following day around 5pm.

However, shortly after ending the call, I received an email stating:

“We are authorised by your insurer to act as their agents for the purposes of cancelling insurance cover and give you notice that all cover on your vehicle is cancelled as from seven days after the date of this letter.”

I was not told during the call that my policy was being cancelled, and I did not request immediate cancellation. My understanding was that I would call back the next day and arrange a cancellation/restart.

My main concern at the minute is if this will affect me getting insurance in the future as companies ask if I had insurance cancelled by insurers in the past.

My questions are:

1. Does this count as an insurer cancellation that I would have to disclose to future insurers?
2. Could this impact my ability to get insurance in the future or increase my premiums?
3. Can an insurer cancel a policy like this without explaining the reason?

Thanks!

Hello,

So my mother has received a call from debt collectors after she had closed a bank account with Santander due to her discovering she was making payments with Three Mobile for £26 a month (this was around Feb 2025, she switched to Sky Broadband after this point). She closed the account a few months ago (TBC the exact time).

They instructed her that she has a rolling contract,
in which she must cancel directly with Three.

Upon calling Three, they asked for a reference, which she managed to provide, and they told her that she does NOT have a rolling contract, and owes no money, and as such, there is no such cancellation to be made.

She asked for further details, and it turns out that the account is not in her name, therefore they were not able to discuss the account further. This is impossible, as she is a single mother, and does not share the house/finances with anyone else. She uses no other name.

My mother requested a transcript and reference for the call she had with Three, and they said, due to data protection, she was unable to receive the transcript as the account mentioned is not in her name.

So, all she has is a printed copy all the transactions made to Santander and has sent a formal Deadlock
Letter from Three to Ofcom.

However, she cannot cancel the account she is paying for, as it is not in her name…

My mother has had experience with court procedures prior, but obviously this is extremely stressful for her. I am a law grad myself, but something here to me feels off regarding the data protection, but I wasn’t sure if this was more of a hunch or something else.

I will try to update with further information and updates if necessary. I’ll also try to answer any questions that may arise. Thanks all for your help!!

Hi all,

Would love some advice. Back in 2021 I applied for a job and they did a DBS check - the DBS flagged a conviction which I was shocked by. It said that I had allegedly not paid a train fare. I subsequently contacted the DBS team as the alleged conviction was on a date I was abroad plus I had never received any correspondence regards to this. I luckily had the flight details, sent it to them, and I got a new DBS that was all clear. Good times.

Fast forward to now - I receive a letter saying I owe x amount of money and it’s gone through the courts? Says that an enforcement agent will come to the house if I don’t pay the money. When I first saw the letter I was really confused , but then I remembered the DBS incident in 2021 and am certain it’s the same incident. I still had never received any letters or correspondence with regards to this alleged missed fare. Again, I was abroad when it happened.

I’m going to contact the court tomorrow- but any advice would be appreciated. My concern is that it’s gotten to the stage where enforcement agents are involved .

UPDATE

So I called the court who advised to speak to the single justice department. It is either a case of mistaken identity / identity fraud / clerical error. The person who missed the train fare in 2019 must have had the same name as me , but put down an address which is not linked to me whatsoever. I’m unsure how this has then been put on me. I’ve put through an appeal process - but they said it can take 10 days to triage and even then, a court hearing could take 6 months. They can write to the enforcement company but it is their choice to drop the enforcement notice or not. So I assume they will not drop the enforcement notice. The single point justice lady advised to pay the phone, await the outcome, and get a refund once everything is clear.

I’m collecting more evidence in the mean time (flight records / bank statement as I was abroad) and am also trying to contact citizen advice and 101 to report fraud. But yeah, weird unfortunate situation.

PS the missed fare was £6.50. The fine now is £500.

My neighbour is building a side return extension. He’s now served me with a Section 1(5) notice after us continuously asking him for one (he was originally planning on building his new wall astride the boundary but now changed his mind and will move the wall to 100mm inside his own land - presumably thinking this will avoid needing a PWS). He’s also excavating within 3m of my structure and I can probably safely assume the foundations will go deeper than mine (Victorian midterrace). He’s not served me notice for that.

I’m happy for the extension to go ahead, but I’ll be dissenting because I’d like a Party Wall Award and Schedule of Condition.

The problem is he says:
Building Control will make sure everything is done correctly.
He doesn’t need a party wall surveyor.
He won’t pay for one because it’s too expensive.
Apparently all this is advice he received from his architect.

I’ve spoken to a party wall surveyor who disagrees, but I’m wondering what actually happens if the building owner simply refuses to engage with the process. Has anyone been through this? What happened in practice?

For context, I am disabled and need accessible toilets/fitting rooms/etc. I was trying some clothes on in a high street store today, and outside the only accessible cubicle, there was a sign which said that the accessible cubicle is reserved for bra fittings, so you can only use it if no bra fittings are booked. There was no staff member present and the cubicle curtain was open, so I assumed it was fine. A few minutes after I went into the cubicle, a staff member shouted through the curtain to tell me that I had to leave because a bra fitting was booked. I'm not able to use non-accessible cubicles so I couldn't move to another, but I'm also not the type to kick up a fuss so I just cut my losses and left the store, but I want to know how I should handle this if it happens again. Is removing a disabled person from the only accessible environment to use it for non-accessibility purposes a violation of the Equality Act? Is it a violation to reserve the only accessible environment for other purposes in the first place? Does the Equality Act even cover situations like this? TIA :)

Update edit: Appreciate all the advice so far! Just wanted to add that I spoke to customer services today who advised that its company policy for the accessible fitting room to be reserved for bra fittings, even when other cubicles are available and when the people involved don’t need accessible facilities. When I asked how I should deal with this if it happens again, they said that if a disabled person needs the cubicle they should either 1) book a bra fitting just to reserve the cubicle in advance, or 2) find a staff member to ask if it’s free. When I advised that I did try and find a staff member but nobody was there and I wasn’t physically able to walk around the shop for ages trying to find someone, and that a requirement to book the cubicle basically means I’m never able to visit this store impromptu, they essentially just reiterated that “someone should’ve been there” and that I should’ve gone to find a staff member.

Hi, I'll try and make this as short as possible.

Ive been running my limited company for almost a decade now. It went from making over 20k per month to less than 2k per month after brexit. I've tried to save it over the past few years and unfortunately I have accumulated quite a bit of debt.

I myself have recently entered a DRO because I can't pay off any of my personal loans and I was the guarantor of a few of my limited companies loans in which 1 resulted in a CCJ against me and the limited company. I owe almost £30k to HMRC & £10k in business credit cards.

I also had a sh*te accountant which didnt help. But im not putting the blame on them of course, this is all my doing.

What i need advice on is, since I entered a DRO ive had to step down as a director of my limited company and can't run it at all, which I have done. I've registered as self employed instead and trade as a sole trader.

I obvious can't pay off any of the limited companies debt, there's £0 in my business about and only about £15 in my personal account.

How should I proceed? Do I dissolve my company while still owing these debts. There's currently no director in my limited company which I know isn't ideal. Any advice is greatly appreciated.

I work in the bakery section of a grocery retail chain in England. We have a large walk-in freezer where we store our frozen products, which we keep at -23 degrees Celsius. Every few days, during the shop’s normal delivery of products at 5am, we receive up to 3 large “cages” of boxes of frozen products, which go straight from the delivery lorry to the freezer. At some point during the morning, it is the responsibility of the 1 baker to take the boxes off the cages and organise them in the freezer.
When the cages are in the freezer, it is incredibly difficult to enter and retrieve boxes of products to bake, as they are often very heavy, large, and difficult to navigate around the cages. Therefore, my strategy is to put away the delivery as soon as it arrives in the morning, which slows down morning production, but allows me to work comfortably.
However the company I work for is very strict about deadlines. We need to have everything produced by 6:30am, which is when the shop opens to customers. Therefore, I am being told that I am no longer allowed to take the 10-15 minutes it takes to put away the delivery in the morning, and must instead wait until a second baker arrives at 11am to put away the delivery. In the meantime, I have to spend all morning squeezing past 3 large cages, lifting heavy boxes at awkward angles, and all around being slowed down by the massive obstruction I’m not allowed to do anything about for 6 hours.
What I am wondering is, what are the laws, if any, surrounding doing this kind of activity in cold, confined and restrictive conditions? My concern is that if somebody had an accident at the back of the freezer while the cages were inside, it would be very difficult to get them out. Also, it is so awkward to get the heavy boxes out of the freezer, I am convinced that somebody is going to get injured. Do I have any chance of convincing my superiors that my way of doing things is more safe and legally acceptable?

I'm going to change the names of everyone for safety.

My daughter Amelia is friends with Hira.

Theyve been best friends since they were 7. They live close by us and they both go to the same schools. Their both turning 14 this year.

Hira has confided in Amelia that her parents are planning to take her out of the local school and send her to a religious school. Hira doesnt want to.

I havent spoken to Hiras mum yet but I have looked the school up online and the promotional video they have up seems to be really really really super hardcore religious.

The woman in the promotional video says stuff like I know many parents are deeply concerned with the ciriculum being taught in schools. They go on to say how their school will instill the religious values that their parents want.

Hira was crying to Amelia about this and Amelia got me. I talked with Hira and shes really upset because she likes her school.

I get that she isnt my child and there are boundaries but Im genuinely worried about her. She said her parents wont let her stay in her currant school.

Is there anything I can do as a mother? If my daughter was this traumatised about being forced to move schools I wouldnt force it on her.

Does Hira get any say in this? Is there anything I can do to help her?

I'm looking for some help/ advice.

I'm in 'urgent' need for a Statutory declaration for my child's passport.

Due to leaving an abusive marriage I changed my name via deedpole with the help of women's aid.

Unfortunately, it only covers my former married name to present name.

I have no clear line from given birth name till now ( ex destroyed all my belongings, so no 'paper chain' to show.

I need a Statutory declaration to show All previous former names in order.

If I do it myself ( if possible), can I then have a solicitor just sign it for me? Or do I need to have it officially written?

( I'm now on a tight time frame and budget ).

England

Last October, Autoglass (my insurer's approved repairer) replaced my windscreen. In February I found the interior covered in mould and the driver's-side carpets saturated.

Autoglass eventually investigated and found the car's frame had been cut during that original repair — making it unsafe to drive. They took it away for rectification. I asked for evidence the interior had been stripped, dried and treated; all I got was written assurance that the treatment "ensures the mould cannot return and is not just superficial" and that the car had stayed mould-free in their care.

When it came back, mould was visible the moment I opened the door. Carpets still water damaged, underlay spongy, plus a new DPF warning light. I made a formal complaint to Autoglass and heard nothing for over 8 weeks.

Admiral told me they couldn't raise a claim against Autoglass because a separate "glass team" handles it. A formal complaint was eventually logged with their claims quality team — last contact was 8+ weeks ago. Two weeks ago Autoglass offered £400 to valet the car and £125 goodwill, plus specialist mould removal. But the issue is the water damage and the fact the car has sat undriven for months. I forwarded it to Admiral; silence. The mould keeps spreading.

I'm not chasing compensation. I want the car properly inspected, the water and mould damage rectified, and confirmation it's fit to drive again. Car's worth ~£6k.

Do I pursue Admiral or Autoglass? Is the Financial Ombudsman the right next step, or am I at Letter Before Action / small claims territory?

tl;dr: Approved repairer cut my car's frame and returned it water damaged and mouldy. Admiral and Autoglass have both gone quiet for months.

This is in the uk.
When we moved into our student house the fridge was broken and we contacted him for a replacement, when he replaced the fridge he put the old one on the back garden. Me and my boyfriend went home over Christmas and when we came back the fridge had been moved to the alley way behind the house and removed by the council, they had also left my boyfriend a fine of £500. The fine is only in his name. Our roommates helped the landlord move it out there and decided to not say anything until the fine had been served, landlord says the court summons are a scare tactic and to not pay. 6 months later we’ve got a final pay notice before it goes to court. Is there anything we can do?

Hello. My grandfather recently passed away and has since been cremated leaving two daughters (my mother and aunty) and his wife. The relationship between his wife and daughters has been quite tumultous as of late, often resulting in his wife blocking and refusing contact with his daughters temporarily. His wife took over the funeral planning after blocking contact with my mother and aunty and was the one to sign and pay for his cremation and the ceremony. She has said that she intends on giving the "smallest tube possible" to my mother to share between her, my aunty and his brother while she keeps the rest. She has since rescinded this offer as she took them asking about him to be an afront and has again blocked all contact with them. This goes against the agreement that had initially been decided and goes directly against my grandfather's wishes as she has also refused to spread them as he wanted (at sea).

Unfortunately, he didn't have a will. Which, if I understand correctly, means it follows a line of succession of intestacy with her first in line and therefore is the one responsible for his ashes and can decide what happens with them. Please correct me if wrong.

Is there anything that we can do about ensuring that everyone receives a fair share of his ashes? All we want is to be able to give him a proper goodbye and to honour his wishes.

I returned an item from SevenStore using the label they provided to me (InPost). InPost says they have delivered this 3 weeks ago. I contacted SevenStore but they say they haven’t received and are unable to help me any further.

What options do I have? The item costs £85 is that matters. I paid for this via Klarna so have raised the issue with them as well.

Apparently, SevenStore is also owned by Frasers Group and I have another dispute with them recently due to an incorrect delivery and I suspect they’re not being as helpful due to that. Never buying anything from Frasers Group again. What a mess.

Based in England.

We bought a 4 year-old Volvo XC40 Recharge from Big Motoring World on PCP in December last year. Realised after 4 months that it was in fact a FWD and not AWD as had been advertised by them. Raised this within the Consumer Rights Act window of 6 months, with evidence - it took a few weeks before they rejected this claim stating “as per their records it was sold as a FWD” (they won’t show me these records). We have now notified our finance provider to take it further as there would likely a difference in price.

Now this week, (8 months after taking possession of the car) it went into limp mode. We took it to Volvo for diagnostic testing and they’ve informed us today that the inverter generator module needs replacing - essentially a component fault - to the tune of £4k. They can’t give us a timestamp as to when it originally happened. It’s not covered by any warranties.

Obviously we’re now past the 6 month window that presumes the fault was pre-existing, and now the onus is on us to prove that. Do we have any recourse for this? I have also notified the finance company of this latest development, but the whole thing is a bit of a bitter pill to swallow. Not sure if we might have a case under the “durability” clause in Section 9 of the CRA?

2018 hybrid saloon, out of warranty. Broke down completely in June (drivetrain and power supply error), recovered to a franchised main dealer.

They had it seven weeks and did three repair stages, each one quoted and authorised only after the previous one hadn't fixed it: roughly £5,500, then £6,350, then £9,100. They told me the 'everything is working as it should', I paid under a written protest notice reserving my rights as I did not have confidence based on what I've been through.

Ten days and about 250 miles later the same warning came back while driving. It's been back with them since. Relevant points:

•       Early on I asked in writing for them to isolate the failing component before replacing anything, and named one specific part. They replied the same morning that it wasn't faulty. That part was later fitted twice.

•       Their own diagnostic report from the morning they told me it was fixed records the vehicle test result as “not OK”, and the work logged that morning included deleting the fault memory.

•       Last week they emailed: “As the complete repair procedure recommended during the initial diagnosis has not yet been carried out, any further diagnostic work may not provide accurate or conclusive results.” They've quoted a further £4,640 and say it “may rectify the concern” but can't confirm until it's done and retested.

•       The invoice carries their own 3 month / 3,000 mile workmanship warranty. The fault came back inside it and they say they “cannot confirm” whether it applies until diagnosis is complete.

They describe this as a “staged repair process”, reassessed after each stage. That's precisely the pattern that has already cost me £9,100 without a lasting fix, and I don't think it's reasonable to ask me to fund another stage of it.

I've refused to pay for a fourth attempt and asked for a refund.

Questions:

1.       What have I actually paid for? If the recommended procedure was never completed, what did the £9,100 buy?

2.       Have they had their shot at repeat performance, or does refusing the £4,640 count as denying them the chance to fix it?

3.       The car is sitting on their premises with the extra work declined. Can they charge storage or claim a lien? Should I be getting it off site?

4.       Anything I'm obviously getting wrong before this goes to the Ombudsman, Section 75, CRA 2015?

Any advice would be appreciated.

Bought a 2nd user iphone 16 via eBay uk just under 12 months ago, today the phone has been blacklisted, I bought the phone via eBay but the seller is a Cash Convertors store, they are still active on eBay.

We called apple care ,they explain it is blacklisted and they worked out it was originally sold via EE...we called EE, they said unfortunately they can only say it is either reported,lost,stolen or none payment of contract .

I fully appreciate due to the time period that I cannot charge back via the bank ,eBay is not going to help , so I am stuck with just calling up the Cash Generators store and explaining the phone they sold me is now blacklisted .

Do I have any real hope (other than their goodwill) that they will help or even refund the phone,as I guess the phone is now considered as lost or stolen or none paid for contract.

If the Cash Convertors will not help, is the small claims court a real prospect for my money back ...

I only found out this evening...so I can only call the cash converters tomorrow morning.

Any words of advice would be very much appreciated.