Thank you. I will send letter off to Trade Centre UK today and if I don't get anywhere then I'll contact the credit company.

Sorry for the long post but I don't want to miss out any relevant information: My wife bought a car from Trade Centre UK and have been having nothing but trouble with it. Unfortunately we paid of the finance used to buy the car as we weren't expecting this much trouble with the car as we we though we would have protection as buying from a dealer. We are wondering if we can still reject the vehicle since the finance plan has been paid off. Timeline is as follows: 13/12/2023 -15/12/2023 Bought car from Trade Centre UK for £10548 £2000 deposit paid on credit card on 13/12/2023 £8548 on finance from Moneybarn (arranged through Trade Centre UK). picked up car on 15/12/2023 Also bought lifetime warranty for £50/month 25/12/2023 Engine Management Light comes on. The AA called out and diagnosed the following error codes: P0133 - Lambda sensor (bank 1, sensor 1) Oxygen Sensor. Error Message : Slow reaction. Error sporadic P0135 - Lambda sensor heat. circ.(bank1,sensor1) Oxygen Sensor. Error Message : Component defective Due to it being Christmas took a few days to get through to them but they booked me in for 28/12/2023 to run their own diagnostics. 28/12/2023 Took car in to Trade Centre so could check the car – They agreed it was the Oxygen Sensor and Booked me in for repair on 30/01/2024. I was told they had no earlier slots, and I would be fine to carry on driving car when I said I was afraid of problem worse. During diagnosing the problem, they reset the Engine Management Light. During drive home light comes back on. 29/12/2023 - 29/01/2024 I carry on driving the car but closer to the date, engine goes to reduced power every now and again – not being a mechanic I presumed that this was due to above fault. 20/01/2024 Not expecting any more problems paid off the finance on the car using personal loan from bank with lower interest rate. 30/01/2024 Trade Centre replace to O2 sensor (They also take it on a roughly 60mile road trip which seems a bit excessive to me – I can’t prove this as something prompted me take a picture of milage when I handed car in but I forgot take one on collection – only remembered next day.) 06/02/2024 Engine goes in reduced power mode again and engine management light comes on – Thinking the Trade centre’s 28 day warranty period was over I booked the car the into local garage for the next day to get problem fixed under the lifetime warranty package. Fault seems to clear after engine was switched off. 07/02/2024 In the Morning, I take it to local garage who say as the light gone off – the warranty company is unlikely to cover the cost of the repair or diagnostics and recommend I contact them when the light comes back on. In the evening the light comes back on and luckily I manage to get it back to the garage just before it shuts for the day. 08/02/2024 The Garage sends me a diagnostics video showing a lot error codes been picked up by their diagnostics machine including codes for Oxygen sensor and Nox Sensors, Accelerator pedal and several more. Video also shows EGR Hose not connected to the intake manifold properly, they believed this was confusing the onboard system as it is unlikely this many sensors would trigger at same the time but they couldn’t be certain until they repaired the hose. 13/02/2024 Finally get the car back as it took a while to get approval and payment for the repairs from the Warranty company. Garage told me to keep an eye the car as errors had cleared with the hose but couldn’t 100% certain that’s what caused the problem. 06/03/2024 Engine management light comes on again. Fed up I go into Trade Centre as I was just around the corner when it happened and asked them how to reject the car or have the problem fixed. They insist that as it’s over 28 days I need to get the car fixed under the warranty package I purchased and they could no longer fix the car as it was over 28 days. When I tried telling them it appeared to be the same or related problem they said they couldn’t help as I hadn’t contacted them earlier. I asked them if they were willing to connect the car to the diagnostics machine and tell me what the problem was, as a goodwill gesture, which he agreed to do and took the car to the back He came back around 30 minutes later and said they took a look at the sensor they replaced previously and there was nothing wrong with it and engine management light went off when they removed the sensor to check it. When I asked what the error code he couldn’t give me an exact fault but the said it one of the problems I told him earlier (Accelerator pedal). I have this visit audio recorded on my phone – I informed the reps I was recording several times. As the light wasn’t on, local garage couldn’t book me for a repair under warranty. 07/03/2024 Light came on so managed to book back into local garage for the 12/03/2024 Whilst waiting to take car into garage, I borrowed a OBD sensor and scanned for errors on the car. This showed the following errors: P11BE – Manufacturer specific code (Google showed this to be NOX sensor) P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow 12/03/2024 Took car to local garage and the confirmed the above errors. This leads me to believe that either Trade Centre UK reps lied and just reset the light or just didn’t check properly (Obviously I am unable to prove this) 22/03/2024 Finally got the car back as according to garage, the warranty company took a long to time to pay for the repairs 28/04/2024 Engine management Light has come back on. Using the borrowed OBD scanner I am getting the following codes: P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow P2138 - Accelerator Position Sensors (G79) / (G185): Implausible Correlation I have not yet booked into a garage as I wanted to see what my rights are in terms of rejecting the car as to me the faults seem related. I can’t keep using taxi or train to get to work every time the car goes into the garage as it is getting very expensive. Am I right in thinking that they have used up their chance to repair when they conducted the repair end of January or when they refused to repair it in February ? If I am still able to reject the vehicle could you point to any sample letters or emails I can use. I have spoken to citizen advice bureau who advised me to write to Trade Centre UK and tell them I'm rejecting the vehicle. I asked about using section 75 if they refuse to accept the car I was told the following: since the finance is paid off - I'm unlikely to be able to get any help from MoneyBarn. The maximum The credit card company is likely to give me is £2000 as that's what I paid on the card (was for the deposit) Is the above correct - I was on the understanding that the Credit Card company would need to cover all of it as long as we paid over £100 on it. I have drafted the following letter using the template from CAB and would love to get some feedback on it before I send it: Thank you in advance Thankyou for your advice on my next steps.

Thank you for your replies. Any advice about what to write on the N244 form?

On friday (12/05/2017) I recieved a letter from court containing general Form Of Order saying: The date on the order was the 20 April 2017 but the the date on the covering letter that came with it is 05 May 2017. I didn't receive the letter till the 12 May 2017. The background to this case is as follow: Around 2008/2009 due becoming unemployed, Halifax got a suspended possession order against my property. I managed to to get back into employment and kept up with the payment terms and eventually the arrears were rolled onto the mortgage. Unfortunately in 2015 I lost my job once more and have again fallen behind with my mortgage again. Due to only being able to get temporary agency work I tried to make payments towards the mortgage whenever I could afford to. In January this year I started work as a self employed minicab driver. Also around this time I was contacted by ascent legal saying they had been instructed by Halifax to start legal proceedings repossess the property as they still had the possession order from 2008/2009. One of their agents also visited the property but I wasn't home at the time and left a card. I called him back and told him I was working on a income/expenditure budget with Stepchange which I would forward on to Ascent when complete. I emailed (to email address on the card left by the agent) the copy of the budget together with an offer to pay

Do you if there's a way of finding out who head of enforcement or shall I just contact the main enquiries address of the revenues department. Thanks for your help

Today I received a visit from a Horrible woman from Ross and Roberts about outstanding council tax with Birmingham city council. I did have a payment arrangement set up with Ross and Roberts which I had been paying for the roughly the last 6 months but with receiving the current years water and council tax bills I missed Aprils payment. I was hoping to pay make two months payment later this month to catch up but they have sent out the bailiffs. My 6 month baby (Hasn't been well last couple of days) was sleeping when the agent came and starting banging on the door. I wasn't going to open the door but unfortunately she claimed she saw me through the letter box and she started shouting and banging louder and I was worried she would break the glass on the door. She shouted either I open the door or she would come in with the police and a Locksmith. I asked her if we could speak outside or in her van and that I know she can't force entry as she hasn't been inside my house before for this debt. She said she was willing to talk outside but insisted she had a right to gain entry with a Locksmith with the police in attendance. She then went and sat in her van we talked through the window. As I was willing to pay the two months installments I asked her how much was the minimum she was willing to accept to which she replied £500 and she telephoned someone for call for a removal van and told me I had 30 minutes to find a way to make a payment. otherwise she was going to add charges for the removal van. I told her let me call someone to see if I could raise the money but knowing I wouldn't be able to raise that much today I called payplan to clarify if she could gain access (Wasn't sure if the law had changed last year). When she realized who I was talking to she said I now only had 10/15 minutes to make payment and started to call (she claimed) the police and locksmith and shut the window on me. This shook me up but luckily I still had payplan on the phone who reassured me she couldn't get into the house and police wouldn't do anything unless their was a breach of peace. After 15 minutes the bailiff banged on the door and asked if I was "Going to pay" and I replied I can't she said I 5 minutes before the removal van arrived. As she walked off the drive she pointed to the neighbors car and asked if that was my car, I told it was the neighbors. She realised where I worked (I was wearing my uniform as I was getting ready to go to work) and checked the car for signs it may be mine. She then went to my other neighbors house and knocked on their door. I told she has no right to discuss my situation with them due to Data Protection Act but she told me to shut up and stepped into the neighbors house. While she was in There I left my wife and baby home and locked the door went to move my car (parked at end of road) to somewhere else in case the neighbors tell which is my car. On my way back home I phoned Ross and Roberts office and asked to complain about their agent but was told I had to complain in writing. I told them their agent was threatening to break in and was also discussing my case with other people and asked them to call her and tell her to stop but they claimed the couldn't. On returning home I informed the bailiff that I spoke to Ross and Roberts and event they said agent couldn't gain access without a warrant and that I had a right to see the warrant but she just laughed and the office would just have sent me back to her. Couple of minutes later she drove off. I was wondering if someone could advise if the bailiff had a right to talk to my neighbors as I believe I should have been protected by Data Protection Act. Also does anyone have the email address to who I could complain to, in order to get her to back off as I'm worried she may return and harass my wife and children when I'm not at home. I already had to phone in sick as I got late for work dealing with her. (I think I have seen email address of someone at Birmingham city council on the forum before but cant seem to find it today) Any sample letters/emails I could send would be greatly appreciated, as would any other advice. Don't know if it matters but I also can't see her name on Justice . Gov Thank you in advance.

Yes I was home when he stuck the letter through the door. How would I prove that he didn't knock or ring the bell ? and how do I dispute the charge ? I do actually want to come to an agreement to pay the debt but the only contact details they have given for the bailiff in charge of my account is a mobile number which I now refuse to call since I can't record the call. Is sending him an offer of payment via sms safe or should I send a letter to equita office for his attention ? Thank-you for your help

On 12th September an Equita ballif hand delivered a letter stating that I had 24hrs to pay of my debt or that he would be back to remove goods. Nothing was levied on this date even though car was parked on drive and he didnt knock on the door, he just put the letter through the letter box. After reading the forum I decided to send the folling letter to Equita's Birmingham office Today i recieved the following letter from them. Could someone confirm that the charges look correct. letter can be found at postimage.org/image/2aq8i7b44. sorry did try using attachment feature on forum but kept getting resized really small and I dont have enough posts to add clickable links. It also states on the letter that I need to contact the bailiff directly to negotiate a payment plan but only give his mobile number but from what I can gather it appears it's not a good idea to talk to them on the phone and letters should be used. Should I send a letter to equita office addressed to him or should I bite the bullet and talk to him on the phone ? All advice greatfuly appreciated.

Thanks for the advice. I'll contact Birmingham council on Monday to let them know that I'm paying and Wednesday and see how things go. I check the original amount owed when I get back home but don't think they've added much on the moment but could be wrong. Thanks again for the advice given by all

Unfortunately it has been to court although I cant recall having received a copy of liability order from the court or the council I am willing to pay the debt but need till Wednesday to get some money together for the 1st payment together and would have thought that they would have been willing to wait just 3 working days for the 1st payment but the lady I spoke to on the phone hung up on me when I tried explaining this to her.

Earlier today I tried setting up a payment plan with Equita to pay off my Birmingham city council Tax bill off £1,086.24. I offered to pay £100 a month to them which they said was acceptable but I had to make my first payment today. Unfortunately I told them I could make a payment till Wednesday so they refused to put payments on hold till then and told me that I would still be liable for extra charges till I make first payment. Is there any one I can contact to try to get them to wait till Wednesday without commencing any extra action. I am worried as I have previously had them turn up on my door step and levy vehicles on my drive before I have even received letters from them (previous debt) and I currently have a car parked on my drive which I've declared SORN as I'm attempting to sell it to try to raise money to pay of my debts. Unfortunately as car is not insured or taxed I can't move it to different location. Any advice greatly appreciated