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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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    • 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.

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Private individual being chased for ltd co business rate - please help


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Hi,

 

Back in Jan 2008, we closed our ltd business, paid suppliers off, moved out of the rented premises, were not in debt with the council for business rates, and went on our merry way. My husband joined the Army, and I went to university to become a nurse.

 

During the 2nd half of 2008, the ltd company received a demand for over £200 of business rates from 2006-2007. This wasn't rates which hadn't been paid, but due to a mistake by the council, rates which should have been charged as apparently we weren't eligible for small business rate relief on a second unit we had.

 

I replied with an answer along the lines of 'all well and good, but the company hasn't traded for a long time, is in the process of being struck off, has no money, assets, bank account or property.'

 

I heard nothing until the end of 2008 when the company received a demand for the money, or go to court. I contacted business debt relief who said, write and tell them again. So I did. The council never repsonded, but proceeded with court action.

 

When receiving another letter from the council saying 'pay within 7 days or face bailiff action' I responded by calling the council and reiterating what had already been said. They told me that they have a duty to collect.

 

The company was due to be struck off by 9th March, but yesterday I got a call from the council to say they had contacted Companies House and the co would now not be struck off until August. The woman on the phone then asked me to enter into a repayment plan. I said no initially, because that would make me personally repsonsible for a ltd co which completely negates the purpose of being ltd. She then said they would send the bailiffs round to the registered address of the co, even though I told her this was my parents' address, and had nothing to do with the co.

 

Others I have spoken to are astonished that the council will not believe what I say and are continuing with this. My question is: 'What do I do now?"

 

Sorry for a huge post, but any help would be appreciated.

 

T

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  • 2 weeks later...

They cant send a bailiff around until a court says the debt is due. Have they issued you with the summons yet? It should have gone to the registered office address or a trading address. Anyway, the bailiffs will go to your parents, they will tell them to get stuffed, the council will get the bill and then try to find you again.

Its WAR

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Councils don't you just love em?:rolleyes:

 

Kinda in the same boat as you, did the council receive a copy of your application for a strike off? The council left me alone when I sent them a copy of mine, I had also sent a copy to the bailiff company and they replied they wouldn't be taking it further and returned the account to the council.

 

I have a statutory declaration signed which I keep by the front door just in case as my company's registered address is my home. Unless you personally signed a guarantee, I don't see how you could be liable as only the company should be named on the liability order so they can't demand the money off you no matter what they say.

 

My only concern would be that as the company is still "live" they maybe assuming that the company is trying to avoid paying and then threaten action against the directors. Don't expect these people to think logically or reasonably, it is beyond their job description. If it was me I would offer a token monthly payment on behalf of the company just make sure it is clear to them that it is not the company paying and see what they say. It would only be for a few months anyway. Just make sure any payments are sent from an account with no connection to the business and everything should be in writing from now on.

 

The bailiff section has some very knowledgeable members and I am sure that you will find all the help you need there if bailiffs do turn up. Remember never let them in no matter what, make sure all windows and doors are locked as they can gain peaceful entry through open windows and unlocked doors. However if you have a statutory declaration done this should stop them in their tracks.

 

Good luck

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