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    • Heres a point, while we wait for @theoldrouge to condemn rather than promote and support right wing bigots spouting genuine and clear monstrous antisemitic rhetoric ... Isn't it actually specifically unlawful to promote violence against politicians on top of laws to criminalise such things? ... As is reported happening in these closed facebook groups run by Tory staff and where a Tory police minister and the Tory London major candidate are members and post?   .. or do the Tories (seemingly like tor) only promote laws for protecting the hate spouting hard right ?   "“Some of these (Tory facebook groups) posts constitute the most appalling racism and I would urge the Conservative Party to swiftly distance itself from these hate-filled groups and urgently investigate what role any Conservative politicians and officials have played within them. “Susan Hall and the Tory MPs who have belonged to these groups need to come out and explain why – and to denounce the content they have tacitly endorsed by their membership.” "Reporters found widespread racism and Islamophobia as well as conspiracy theories and celebrations of criminal damage on the pages, including sharing the white supremacist slogan and antisemitic videos. " "Unearthed found that 46 out of the 82 admins have clear links to the Tory Party, including a recent digital campaign manager for the party and a conservative activist. Conservative councillor for Haywards Heath, Rachel Cromie, is an admin on all the groups. "     Also interesting that Facebook groups opposing 20mph speed limit in Wales are being run by English Tories   Conservative-run anti-Ulez Facebook groups hosted racist and Islamophobic posts - Unearthed UNEARTHED.GREENPEACE.ORG Tory staff running Facebook groups described as 'cesspits of vile racism' WWW.THENATIONAL.SCOT TORY staff and activists are running Facebook pages which are riddled with white supremacist slogans and Islamophobic attacks... Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts   Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts - London Post LONDON-POST.CO.UK A coordinated network of 36 Facebook groups opposing London’s ultra-low emission zone (ULEZ), run by Conservative councillors and...  
    • 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
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Link's reply after receipt of my CCA letters


bartezno1
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Hi all.

 

I have recently CCA'd Link Financial about two MBNA accounts they have bought.

Letters were only sent out middle of last week , so their replies were pretty quick.

I received the same letter for both accounts.

Just wanted to know everyones thoughts on the content and wording.

Also looks like they have used the £1 sent to go towards paying off the alleged debt which I thought was a no no!

 

Thanks and regards Bart.

 

(See link for copy of letter)

 

http://i32.photobucket.com/albums/d3/staffspeted/letters/Linkletterreplyeditedforupload.jpg

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Hi,

 

Can just about see the copy. Think it is the standard one they send out whilst looking for agreements. States that they will but account on hold for fourteen days and asks what particular statments ect you require, also states that the original creditor may charge you for copies of statments. Got the same letter in Nov from link and got the agreement last week, so think that they actively do look for agreements.

 

Benson05

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Thanks PT and Benson for your reply.

 

So where do you stand if it takes them 2 months to find the agreement?

I was under the understanding they had 12 days plus a month.

 

Also did you reply to their standard letter or just let them find the agreement for you?

 

Rgds

Bart

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What utter Ball Hooks,

 

they have to by law provide the documents in 12 working days,

 

it seems they dont understand how the Consumer Credit Act 1974 works

 

you dont need to tell them what statements you want, they have to provide a statement of account as set out in the CCA

 

i must admit ive come to expect this sort of thing from these people

 

regards

paul

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I also thought that the £1 was to cover the cost of the CCA requestt including the statements etc.

 

The bit were they say any costs would be passed on to u is what l am concerned about.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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The £1 is for the copy of the Agreement only.

 

The Statement of Account is entirely free. A Statement of Account would be a letter on the DCA's headed paper stating the initial amount with any charges they had made outlined on it. Not to be confused with copies of Bank Statements which would be sent to you after a S.A.R - (Subject Access Request) had been requested from the OC.

 

Subbing.... :)

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So would the advice to me be to just sit on this letter and wait for the statutary 12 days to pass , or should I contact them again.

 

It seems to me that they do not really understand what I sent them!

DCA' s and the law..you gotta love them!!:p

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So would the advice to me be to just sit on this letter and wait for the statutary 12 days to pass , or should I contact them again.

 

It seems to me that they do not really understand what I sent them!

DCA' s and the law..you gotta love them!!:p

I received 2 broadly similar replies from Link when I CCA'd them about 3 months or so ago regarding 2 alleged MBNA debts.

 

I just filed them and didn't reply. So far I have heard nothing more from Link, although some people on here have recently received copies of unenforceable application forms after a similar length of time, so I am aware of the fact that Link may not have given up. I'll just bide my time and see what, if anything, they come up with.

 

I'm guessing it may be something to do with how forcefully worded the CCA request is (hopefully), as I laid it on a little bit!

 

Good luck

Rob

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I'm guessing it may be something to do with how forcefully worded the CCA request is (hopefully), as I laid it on a little bit!

 

Good luck

Rob

 

Me too Rob , my letter was along these lines:-

 

Dear Sir/Madam

 

Re:-Account/Reference Number

 

I do NOT acknowledge ANY Debt to your Company.

 

I require you to supply the following documentation before I will correspond further on this matter:-

 

1. You must supply me with a true signed copy of the alleged Agreement you refer to. This is my right under your obligation to supply a copy of the Original Agreement under the legislation contained within Section.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a fully itemised Statement of Account.

I enclose a postal order for £1.00 in payment of the statutory fee. Postal order number xxxxxxxx.

This postal order is for no other purpose than mentioned in the above paragraph.

 

2. You must supply me with a signed true copy of the Deed of Assignment of the above referenced Agreement that you allege exists.

 

3. You are notified that you are obliged to supply these documents, whether you are the original Creditor or not under Section 189 of the Consumer Credit Act 1974.

 

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant Statutory Authorities.

 

As you are aware, a 'Credit Agreement' that is not properly documented and signed by the customer is totally unenforceable under the Consumer Credit Act and therefore is a complete defence to any court claim that is issued.

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested

 

Please also take note of the following points:

 

* I will NOT deal with you over the telephone. Anything you have to say to me MUST be sent IN WRITING to my Home Address. If you ignore this instruction,I will not hesitate to seek legal advice about reporting you to OFCOM and submit a request to have your telephone lines disconnected.

 

* I will NOT accept Home Visits from Doorstep Collectors. Any such visit will result in me submitting a report to the relevant statutory Authorities, including but not withstanding:

* Your Local Trading Standards officer

* The Financial Services Ombudsman

* The Consumer Credit Association

 

Thank you for your assistance. I look forward to hearing from you as soon as possible.

 

Yours faithfully

 

 

xxxxxxxxx

 

 

 

I will do as you did and wait and see what they come up with.

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Me too Rob , my letter was along these lines:-

 

Dear Sir/Madam

 

.........

 

Yours faithfully

 

 

xxxxxxxxx

 

 

 

I will do as you did and wait and see what they come up with.

I didn't send them as many kisses as you though (none in fact)! ;)

 

Rob

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lol

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I note that Link are trying to get out of their obligations in another way, too. In their letter they say:

 

We have requested a copy of the agreement and the most recent terms and conditions

 

A request pursuant to s.77/78 of the CCA 1974 requires the provision of any doument referred to in the agreement - which means the original terms and conditions, not the latest. Link should know this, so they are clearly attempting to be deceitful and misleading, contrary to OFT guidance.

 

I stongly suspect that MBNA can't provide them, and you will get some specious waffle about how the latest T&Cs are provided in order to help you understand the current position.

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SP

 

As we are more inteligant then MBNA/Link then l am sure one of us can point out there error.

 

TGM

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi,

As I understand the law it means that if they take two months to find it-yes they have comitted an offence -however the debt becomes enforceable once again-and yes they didnt use my £1.00 either under the cca request they just took it off the account, which legally means in my case as I am on a DMP with twenty creditors technically Link using monies incorrectly which I have paid them predujices my other creditors, have been told off by my DMP company once before for this.

 

kind regards,

Benson

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  • 2 weeks later...

Ok, Links 12 days are now up , I have been more than generous giving them the two half days either side , and apart from their initial response highlighted earlier in the thread I have heard nothing.

Including Easter their 30 days expires on March 27th 2008.

I guess now its just its just a waiting game!

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Ok, Links 12 days are now up , I have been more than generous giving them the two half days either side , and apart from their initial response highlighted earlier in the thread I have heard nothing.

Including Easter their 30 days expires on March 27th 2008.

I guess now its just its just a waiting game!

 

If their 12 days are up, then their 30 days will expire well before March 27 because the second period is counted in calendar days (not working days) ;)

 

I too was confused by this when I first joined CAG and had to ask.

 

Rob

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