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    • Morning dx and thank you for your message.   With regards to your comment about them not needing to produce the deed, the additional directions ordered by the judge included 'a copy of any assignment o the debt or agreement relied upon'  so that is why I thought that point was relevant?
    • 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. Thankyou for your advice on my next steps.
    • Ok noted about the screenshot uploads. In terms of screwing up I had one previous ticket that defaulted and ended up in a CCJ from Southend airport because for some reason during COVID I didn't receive their claim form just a notice of default. This hospital ticket was the 2nd ticket that went to CCJ due to a lack of knowledge of the process. Maybe it's easier just to pay them in future I'm thinking though, I don't get them very often anyway
    • Car maker takes a hit from weakening demand and price war in the world's largest electric vehicle market.View the full article
    • please stop posting up unnecessary unnamed screenshot files  you've done it throughout your threads and we have to renamed them. RENAME THE FILE before you upload if its just text information like a defence or a claim history or a link to a previous post  type it here not by an unnamed screenshot attachment  . sorry NM but you've been here dealing with PPC claims since 2021 somehow you always manage to screw up.......or do totally the opposite of std repeated advice on 10'000 of PPC threads here you are your own worst enemy... dx  
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Another letter Should I just ignore?


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I received a letter from A JB Debt Recovery requesting payment for a debt with the usual blurb 7 days to pay or legal action etc. I sent the CCA letter requesting a copy of the credit agreement which was signed for on 13 Sept.

Confusingly (i just noticed the date on the letter) I then received a letter dated 5 Sept from a company called ATI offering a sttlement of 80% on the same debt wich i ignored because both JB and ATI have the same office and e-mail address so i presume they are the same company?

I have heard nothing since from JB but this morn i received another letter from ATI stating that as they have had no response from me they may now pass this on to their field agents whom will be contacting me in the next few weeks unless i contact them. Both companies are acting on behalf of Robinson Way.

Should i just ignore again or send another CCA letter to ATI (then i presume they will just come back with another company) or send one to Robinson Way?

The original debt was with RBS card services I don't mind paying them but will they still own the debt and would it be worth contacting them?

Thank you in advance for any suggestions I don't really need "Field Agents " knocking at the door.

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I would write informing them that the account is in dispute, that you are waiting for them to supply a CCA and proof that the alleged debt is yours, that you deny them permission to visit and that anyone who does visit will be removed from your property and the police called.

 

Look on the bright side - at least they aren't phoning

 

Grumpy

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Had the same s**t since April.

Got 34 calling cards.

Still no CCA.

Still no body has been round.

 

I even sent them an invoice for £200 for wasting my time when they didnt turn up AGAIN.

 

Just keep sending copy letter of CCA request, pref in their pre paid envelope to anybody who bothers to write.

 

And DONT EVER sign anything.

 

Good luck.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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I've had contact with JB Recovery for an account that is in default of s77 CCA and Statute Barred.

Tracked down a few details on this company.

 

JB Recovery and ATI (Asset Trace & Investigations) are based in the same building in Glasgow and both are trading names of JB (Ventures) Ltd.

 

Now it gets interesting.

Check the company registration number JB (Ventures) with Companies House and it shows the registered office as Homelea House, Bridge of Weir, Renfrewshire.

 

Them check the Information Commissioners website database and it shows.

JB Ventures Ltd registered as a Data Controller in Bath St, Glasgow.

 

That's not correct. The Data Protection Act states that in the case of a Ltd company they should be registered with the Information Commissioners Office at their registered company address.

JB Ventures are incorrectly registered with the Information Commissioners Office.

 

I'm just about to report them to the Information Commissioners Office. The original creditor is in default of S77 and JB should not be in possession of any of my personal data. Additional complaint of processing data while incorrectly registered.

 

The letters I received were also in breach of s351 of the Companies Act.

Contained JB ventures company name/number and the Glasgow address of JB Recovery.

The act states that all correspondence should contain, place of registration and registration number. The address of its registered office. (Bridge of Weir not Glasgow). Formal complaint to Companies House. Extra complaint that they don't display the correct contact details on their website under the E-commerce legislation from 2002

 

Wrote to JB Recovery a few weeks ago instructing them to back down. It's now time to start reporting them to Trading Standards, OFT, Information Commissioners Office and Companies House.

 

Hopefully cost them a few quid having all the stationary reprinted.:D

He didn't come looking for trouble, but trouble came looking for him.

When the smoke clears, it just means he's reloading.

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Don't think you need to send them anything else for the time being. Save the £1 for a CCA on ATI as they are all the same company (JB ventures)

 

You sent a CCA request to JB Recovery on the 13th September.

2 days for delivery. 12 working days. JB Recovery defaulted on the CCA request about the 1st October. 1 calender month for default. The criminal offence part occurs 1st November.

 

You could take 2grumpys advice and send a letter to JB Recovery telling them they are prohibited from initiating enforcement action while the account is in dispute. It's now up to them to comply with the CCA request.

 

When the 1st November passes you can report them to trading standards. Enclosing any correspondence received while they are in default.

He didn't come looking for trouble, but trouble came looking for him.

When the smoke clears, it just means he's reloading.

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OOps! Slightly wrong calculation. They would have defaulted about the 30th September. That makes the criminal default end of October.

He didn't come looking for trouble, but trouble came looking for him.

When the smoke clears, it just means he's reloading.

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For info - Homelea House, Bridge of Weir is a fairly new place, previously part of Quarriers (Childrens) Homes a few of the houses were leased out to firms - although their Registered Office, they do not have to trade from there, so their Glasgow address may (still) be perfectly OK.

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OOPS.....got the dates mixed up.......the Request for CCA was signed for on 13Aug....so i guess the 30 days is up....

And the silly numpties are still chasing. Report them to TS as well as asking foir a copy of their own Complaints Procedure. They are legally obliged to have one. Bet they dont so you can report them directly to the FOS

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I sent the CCA letter requesting a copy of the credit agreement which was signed for on 13 Sept.

 

Save the £1 for a CCA on ATI as they are all the same company (JB ventures)

request.

 

You dont need to spend anymore £1s.

A photo copy of the original is sufficient regardless of who its addressed to.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Give this a go.

Edit as needed:

 

Account In Dispute

Dear xxxxx

 

Ref xxxxxx

 

Thank you for your letter of xx/xx/2007, informing me that I have not responded to your previous correspondence.

 

To date however, your company remains in breach of my legal request for a Consumer Credit Agreement (Consumer Credit Act 1974); received by yourselves on xx/xx/. In fact, the only correspondence that I have received in response to this request have been some additional demands for payment from **DCA**, whilst in default of this request. Until such times as you are able to comply with my request however, no payments will be forthcoming to anyone.

 

With reference to your comments about someone visiting me at my home to collect payments, please be advised that I will only communicate with you in writing. Should it be your intention to arrange a “doorstep call” anyway, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

 

There is only an implied license under Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

I trust this clarifies your position and mine.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

 

Yours faithfully,

Be VERY careful whose advice you listen too

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