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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
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      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.
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Tesco/RBS CCA Form Help Please/court papers sent


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I have posted this on another thread as it relates to issues I am having with Incasso, but not sure that wil get as much of a response. Sorry I am new at all of this.

 

I found my original (in a man draw) Customer Credit Agreement which I have asked Incasso for.

 

Can someone have a look at it and see if its enforceable.

 

It is not dated but I took out loan in 2003 time.

 

How do I find out if I actually asked for PPI cover??

 

If any details missing that you need, please ask I can supply.

 

Thanks

 

M

Tesco CCA.pdf

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Today I have returned home to find my CCA request returned with Postal order on basis I didnt sign the request - sounds like rubbish to me? How do I respond? Does this return buy them time or does that 12 days + 2 still apply - I am approx half way through that period now but worried IncaSSO MAY CCJ me at end of month!! PLEASE SOMEONE reply soon!

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Can't help with the agreement but you could send them this letter regarding the signature:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/572-debt-letter-when-company-refuse-cca-due-to-no-signature-

 

When the 12 days run out, put the accoint into dispute anyway

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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  • 2 weeks later...

After a delay from Incasso/Tesco (wanted me to sign CCA request letter) I finally received photocopies from Incasso (who were passed my debt from Tesco) of my signed CCA form, with a rough copy of my PPI leaflet and what seems to be a current statement.

 

Attached to this is my copy of the CCA that I had in my draw and was able to scan this on as its clearer then what they sent me. They state in their quite snotty letter that Tescos should be sending me originals directly and wait to hear from me. Previously they had threatened a CCJ if I didnt increase my payments from £110 to £170odd a month - I just cant afford that.

 

Where do I go from here? Is this debt now enforceable? As extra to this I did also put a complaint in for miss sold PPI cover which Tesco have acknowledged. I have paid over 58% of my total debt to Tesco if I win the miss sold PPI then that would wipe quite a bit more off, but i am worried I will be CCJ'd before that happens.

 

Help - what next?

Tesco CCA.pdf

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Hi, I'm not sure why you want to close this thread down. If it is due to you starting another thread on this matter, I could merge your posts into one thread

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi Moby,

 

I don't think they can CCJ against you because you have a dispute with them regarding mis-sold PPI. If they try to CCJ you, you need to defend that. Reason: mis-sold PPI. Have you got all your statements so you can work out the PPI? If not you can send them a SAR request with £10. Send it recorded. All templates and spreadsheets can be found on this site. They have to respond within 40 days. Don't leave it to them to work out the PPI. You can charge them interest on the PPI. It might wipe out all the debt.

 

http://www.consumeractiongroup.co.uk/resources/templates-library

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I noticed that you posted the CCA above on another thread. If that is the thread in question, i can do the merge.

 

If you are wanting to include this thread with another (but different) company then it's best to leave this running

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Try this

 

http://www.consumeractiongroup.co.uk/resources/templates-library/48-bank-templates/118-interest-calculation-spreadsheets

 

With regards to the CCA, I've had a quick glance, every thing looks o.k., no signatures, was it done online?

I'm thinking along the lines that, the PPI plus contractual interest should cover the debt, concentrate on that rather then the CCA. Recent cases have made it more

difficult to prove unenforceability.

 

Have a read of this online guide:- http://www.consumerwiki.co.uk/index.php/Guide_to_reclaiming_bank_charges

 

 

You need the Advance calculator, you charging them Interest at the current contractual rate.

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two threads merged

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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thanks for the advice - the CCA I have on here is my copy that I had since 2003, the copy they sent me was a photocopy of their version with my signature and theirs - I just posted my good version as theirs being photocopied was hard to read once scanned. Do they still need to send me the original document?? Note your comments re PPI I will pursue that I have done calcs form via on line search -linked backed to a guy on here and potentally could wipe £6k off my £10k o/s but not sure I have done it right so could be much more!

 

Thanks

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  • 2 weeks later...

HELP!! Returned home today to see Incasso on behalf of Tesco have issued me with a CCJ form!

 

After feeling sick for about 20 mins - what had I done to deserve them being so harsh on me, I got real and really want to sort this out properly.

 

Advice PLEASE URGENTLY.

 

As it stands I currently have a complaint into Tesco with regards to PPI miselling I cant believe they issued papers against me with this o/s. I am thinking of using this as my defence on basis that I cant agree to the debt they state!

 

I am also going to complain to the FOS about Tesco/Triton/Incasso due to their unreasonable attitude to this matter. I have never stopped paying the debt just reduced it due to my poor financial state. The complaint might not come to anything but may make someone sit up and take notice - I work in the Insurance industry and we always jump whenever a FOS complaint is received.

 

What else can I do - I have about 9 days to reply as it was issued 24/9 and only received yesterday!!

 

Thank you

 

M

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Morning,

I will move this thread into the legal issues section as they have sent you forms.

 

I'll have a look around and see if I can find out something on multiple agreements.

 

As far as I can recall, mutiple agreements require two signatures (one for the loan, the other for the PPI) but I can't say absolutely.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I have amended the title of this thread too to show that court papes have been issued.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Also,

Can you post up the POC's (particulars of claim)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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