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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
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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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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Letter Sent


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The post is open for your questions, you will only feel less daunted when you udnerstand what you are sending... so just choose out of the letter what you don't understand, make a list and post here and we'll do our best to asnwer them ;)

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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Guest blindman

IMHO the letter is too wordy and repeats what (hopefully) you put in the first letter.

 

Do not assume the Halifax actually read these letters, I've found they reply with a standard letter which bears no relation to your requests!

 

My version would be

 

 

YOUR NAME

ADDRESS

ADDRESS

POST CODE

 

27 April 2006

 

BANK NAME

ADDRESS

ADDRESS

POST CODE

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

Thank you for your letter and offer dated XX APRIL 2006.

 

I do not accept your offer of £XXX as a full and final settlement, but will in this instance accept this amount as an interim payment, against the full amount requested of £XXX.

 

As stated in my first letter dated Insert Prelim letter date I calculate that you have taken £Amount in fees and interest charges over Time period you are claiming

 

I require that this sum plus interest owed should be refunded forthwith.

 

If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

 

Yours faithfully,

 

 

 

 

 

YOUR NAME

 

It worked for me

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Reply to whatever name and address was posted on your letter, it'll get there ;0)

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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  • 3 weeks later...
Reply to whatever name and address was posted on your letter, it'll get there ;0)

 

Just an update for you!

 

I sent the Letter Before Action on the 27/04/2006 via recorded delivery.

Have been checking with Royal Mail to see if the Halifax have received it and all I get is

 

Recorded Signed For™ items are only tracked after the item has been delivered. Depending on whether the item was sent first or second class, this may be a few days after posting. Please try again later.

 

Information on your item is not yet available online.

 

I had given them 14 days to reply to this letter. This date has passed

What do I do now?

 

I knew that it would go wrong when I claimed - something always goes wrong for me!

 

Please reply!

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I wouldn't worry too much about it not showing up on Royal Mail as being delivered, if they have delivered a batch of mail it is unlikely they will have got a signature, you can prove you sent it.

 

I would file with money claim now!

 

Good Luck!

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I wouldn't worry too much about it not showing up on Royal Mail as being delivered, if they have delivered a batch of mail it is unlikely they will have got a signature, you can prove you sent it.

 

I would file with money claim now!

 

Good Luck!

 

But what if they haven't actually received it?

It was sent recorded and should be signed for.

 

Getting worried again now :(

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But what if they haven't actually received it?

It was sent recorded and should be signed for.

 

Getting worried again now :(

 

IF they have received it they will probably just ignore it anyway..... they have ignored mine, and I know for sure they have it!! Will be going to moneyclaim in the next couple of days (soon as I get my head round this interest thing :()

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IF they have received it they will probably just ignore it anyway..... they have ignored mine, and I know for sure they have it!! Will be going to moneyclaim in the next couple of days (soon as I get my head round this interest thing :()

 

Just need re-assurance that I'm doing the right thing really!

I was going to go for the £207 they'd offered me.

 

But was persuaded to carry on with my claim.

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Stick with it and go with your deadline. It might well be that Royal Mail delivered it without a signature but with all of us on here the poor receptionist at Halifax HQ is probably spending the first 3 hours of her day signing for our letters!!

 

Don't worry about it and stick to your deadline. You would have only got a standard response if anything anyway. There are lots of people in the same situation as you remember so go for it!

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Stick with it and go with your deadline. It might well be that Royal Mail delivered it without a signature but with all of us on here the poor receptionist at Halifax HQ is probably spending the first 3 hours of her day signing for our letters!!

 

Don't worry about it and stick to your deadline. You would have only got a standard response if anything anyway. There are lots of people in the same situation as you remember so go for it!

 

But what if they haven't received it?

Aren't I jumping the gun a bit?

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I really don't mean to be negative here, but you asked advice - three separate people have given you the same answer, and yet you seem not to be hearing it. I would suggest you have two alternatives a) post another letter to satisfy your own concerns. b) take the advice given.

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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I really don't mean to be negative here, but you asked advice - three separate people have given you the same answer, and yet you seem not to be hearing it. I would suggest you have two alternatives a) post another letter to satisfy your own concerns. b) take the advice given.

 

I'm sorry that I seem concerned.

I don't want to end up in court and find out that i slipped up with a little detail.

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Its fine to be concerned, we have all been there. But, if you ask for advice and receive the same answer from 3 different sources, and don't act on that advice, then the only other solution is to start again to satisfy yourself that all the steps have been taken diligently in order that in the very unlikely event that you go to court you will not slip up on a small detail. I would say though that as you have your proof of posting you should be ok. The mail was sent in good faith and if you read all of the postings re Halifax on the site, then you will note that most letters do not get acknowledged by them. I didn't even check if my own recorded delivery letters had been signed for by them - I just stuck to my timetable and my account is now £1700 better off for it!

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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I really don't mean to be negative here, but you asked advice - three separate people have given you the same answer, and yet you seem not to be hearing it. I would suggest you have two alternatives a) post another letter to satisfy your own concerns. b) take the advice given.

 

Don't mean to be rude but it was 2 people, and colour-me-happy used

 

"IF they have received it they will probably just ignore it anyway....."

 

Its fine to be concerned, we have all been there. But, if you ask for advice and receive the same answer from 3 different sources, and don't act on that advice, then the only other solution is to start again to satisfy yourself that all the steps have been taken diligently in order that in the very unlikely event that you go to court you will not slip up on a small detail. I would say though that as you have your proof of posting you should be ok. The mail was sent in good faith and if you read all of the postings re Halifax on the site, then you will note that most letters do not get acknowledged by them. I didn't even check if my own recorded delivery letters had been signed for by them - I just stuck to my timetable and my account is now £1700 better off for it!

 

And here you are saying that

you should be ok.

 

I'm just concerned that's all.

Some of you may have more experience with dealing with courts than me, this is all very new and daunting. I'm just a little bit weary and nervous about slipping up.

 

So the general consensus is that I've sent the letter recorded, it hasn't been signed for, go for the money claim.

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Yes

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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Thanks everyone for your help, but I think I'll be leaving it.

Have tried asking for advice and looked around this site for guidance and it's all over my head.

 

I don't understand how to fill the bloomin moneyclaim website in.

 

Thank you

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Thanks everyone for your help, but I think I'll be leaving it.

Have tried asking for advice and looked around this site for guidance and it's all over my head.

 

I don't understand how to fill the bloomin moneyclaim website in.

 

Thank you

 

Sorry you feel like that, but you need to go with your instinct, if you feel you can't continue then that is your decision.

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This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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