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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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    • 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.

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    • 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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Cabot and 3 HBOS Debts subject to reclaiming


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Hope someone will know the answer.

 

I have AQUA credit card, run by Halifax.

 

As alot of people on here, I had problems with money sorted them out and am now building my credit worthiness up.

 

My card charges 32.4% APR (2.75% per month OUCH) so I always pay it off in full and have never been charged interst.

 

Last month, for what ever reaon, I though my bill was £208 so paid £210 as I hate the interest rate but it is serving a purpose. The money was received before the due date. Now I had got it wrong and I owed £240 so was £30 short.

 

Now they have applied interest, fair enough, no problem, BUT they have charged me interest on the full £240. Surely I should be charged on the £30 I owed, not the £240

 

Can anyone share their views or am I wrong

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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This is standard for part payment of a credit card balance. The interest free period only applies if the full balance is paid off, otherwise interest is applied to whole amount due.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Thank you

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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Have you contacted them about it to see if they will waive the interest payment given your record of making full payments and your intention to pay it on this occasion?

Lloyds TSB, Total Charges £900, Claim Filed for £1379 - Settled

 

Sainsbury's Bank Credit Card, Total Charges £90 - Settled.

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Mine must be the quietest Halifax thread going

 

Right, CC forms filled and submitted.

 

Total claim is £3175.85

 

Charges £2356

Interest £677.65

Costs £18.20

Fee £120

 

Total claim

 

£3171.55

 

Reference

6QZ49071

 

I have also sent them an email informing them that a cheque will be the only acceptable means of settlement, no paying themselfs first.

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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am I missing something? "The money was received before the due date" I would try the nice bit as Amazon waived the interest as I was humble but if they don't argue it! speak to a Manager and go mad. I use to work at a call centre and the managers would usually say are they kicking up a fuss? As in if they are then refund it - but if you can try not too. B'staards lol

 

Good luck

Help me to help others!

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am I missing something? "The money was received before the due date" I would try the nice bit as Amazon waived the interest as I was humble but if they don't argue it! speak to a Manager and go mad. I use to work at a call centre and the managers would usually say are they kicking up a fuss? As in if they are then refund it - but if you can try not too. B'staards lol

 

Good luck

 

Most of the Money was received by the due date.

 

Last month, for what ever reaon, I though my bill was £208 so paid £210 as I hate the interest rate but it is serving a purpose. The money was received before the due date. Now I had got it wrong and I owed £240 so was £30 short.

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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Received a letter today.

 

I am sorry to learn that you are unhappy with our offer to refund £210.

As we have explained previously, the charges we apply to your account do recover costs so we cannot agree to return them all. However to reach an amicable settlement we are prepared to increase our offer to £610.

 

I have replied via email to [email protected]

 

Dear Ruth

 

Thank you for your letter dated 24th July 2006 that came to my attention today.

 

I note your part, and I quote, "The charges we apply to your account do recover costs."

 

That is excellent, if this is the case then I have no claim and will withdraw my Summons.

 

Please could you therefore provide me with a FULL AND COMPLETE breakdown of how the charges are come too. I note the current charge is £35. I would require a full break down of Postage, Stationary, hourly rate of a administrative assistant, and also a breakdown of the manual intervention required. You may note that my Subject Access Request did ask for a breakdown of "Manual Intervention" but you chose not to disclose that.

 

I require the above information within 7 days. I will then withdraw my summons

 

Regards

 

&^&^*&

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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  • 4 weeks later...

Woke up this morning

 

Full Payment received for the total amout claimed plus the daily interest accrued up to date of posting.

 

Quite refreshing.

Survey completed and Donation Sent

 

NEXT

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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Fantastic News Isiris. Quietest thread or not, you took them to the cleaners. My confidence is building every day as I come on here and read the success stories which are happening daily!

 

The waiting's the worst!

 

Alex

Bank of Scotland

Letter asking for Statements - 24 Apr 06

Recieve Some Statements - 29 June 06 (rest recd. on 18th Jul)

Planning claim - 30 June 06

Preliminery Letter Sent 3rd July 06 - claiming £4143 (recorded delivery)

Standard letter recieved - no offer - 13 July 06

LBA sent 18 July 06 (signed for on 19th)

Recd. phone call 21st July 06, offered £210 then £600. Refused.

Moneyclaim Online submitted for £4398 (11th Aug 06)

Letter rec.d informing of full reimbursement within 5 days (23 Aug 06)

 

MBNA Credit Card

Planning claim - 2 Jul 06

Letter asking for statements sent 3 July 06 (recorded delivery)Preliminery letter sent recorded 8th Aug 06

Sent LBA 22 Aug 06

 

Applied for RBS parachute account - 3 July 06

More details needed, posted current statemets - 12 July 06

Account open - 14 july 06

 

 

 

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CONGRATULATIONS

Well done and happy spending!!!

 

Dinky:)

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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  • dx100uk changed the title to Cabot and 3 HBOS Debts subject to reclaiming
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