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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
    • please stop posting up unnecessary unnamed screenshot files  you've done it throughout your threads and we have to renamed them. RENAME THE FILE before you upload if its just text information like a defence or a claim history or a link to a previous post  type it here not by an unnamed screenshot attachment  . sorry NM but you've been here dealing with PPC claims since 2021 somehow you always manage to screw up.......or do totally the opposite of std repeated advice on 10'000 of PPC threads here you are your own worst enemy... dx  
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Hey all..

 

I said I would post any updates I had on here for you all. Today was my default day with Wonga , QQ and Payday uk..

 

Got a call about 11 this morning and a voicemail from payday uk.. So I sent them an email explaining my situation and that I wanted to set up a repayment plan with them.. To my suprise I actually got an email back from them saying they will be happy to set up a plan of £66 for 3 months.. So I have replied back and are now awaiting them to email me back with their bank details... On the email I wrote in big red letters 'please note I will only communicate with you in writing' - phone has only rang once all day..

 

Other than that not heard a peep from QQ or wonga yet... Sure it wont be long but I shall keep updating to help any of you guys out!

Edited by Tink_2010x
spelling mistake silly me!
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I've just set up a repayment plan with Wonga.

I emailed them the day after repayment day to ask about setting up a repayment plan and I got an email saying I needed to speak to them as they needed my income/expenditure.

Not very practical as I'm at work all day and don't get home until after their offices close. I emailed them my details but still needed to speak to them to set up the plan but as they had my details it was just a formality to arrange the payment date. The maximum they do is over 12months

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Thanks cornetgirl - QQ havent even bothered to phone or email me yet.. Will wait another day or so and then I will email them to start the ping pong!

 

I know robjam1969 so glad I found this forum or else I would have never taken the plunge.. Thanks for your help/advice - I shall keep you posted!

 

kazma - only received an email today no calls or anything so I emailed them back and still awaiting the reply. What email address did you use for them?

Edited by Tink_2010x
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Well done with getting repayment plans arranged - wish they had all allowed me to do so also!!!

 

I have only just managed to arrange repayment plans for all of the above but only after it went to DCA. I must admit Cash Genie are the least responsive with regards to this although Wonga are not much better!!!

 

PS: I hate the fact that Blackpool are doing well in the premiership - just cos they are sponsored by Wonga!!!! lol

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quick update all

 

Wonga have sent me the odd email and I emailed back to a couple of email addresses I had and have received a reply this morning from collections team in which they mentioned 'please note we require documentary evidence of any change in cicumstances' ..

 

Any ideas on what I can do next or any other email address I should be using to try and get a plan setup.. they also kindly stated they were still adding interest and charges blah blah obviously the reason for taking so long to reply to my emails! grr

 

cooldude1980 - its not going as easy as I intended to set up some plans.. payday uk have now gone silent so no plan is in place of yet! wonga reply once in a blue moon - no plan as yet and QQ well I havent heard a thing from them lol..

ha ha i agree when I 'have' to watch sky sports I hope blackpool lose when they play just because of what it says on their kit! stupid wonga!

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Hi Tink

 

You just need to be patient. They are delaying payment by not reaching agreement. However the three you have mentioned invariably reach agreement in the end. As for Wonga they can add what they like, doesn't mean you have to agree and pay it. I personally wouldn't send them I/E etc. As for QQ you will have to play the 'long game' - no quick solutions with them but the same rules apply to them as do Wonga.

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Thanks Robjam1969, yeah I think I have emailed every address I could find on here for them. Paydayuk just keep ringing and ignoring my emails! I have received one call from QQ so Ill keep checking they dont set up any sneaky DD.

 

I shall sit tight and see what happens..

 

Thanks again!

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I went a bit of a round about way, I joined the Wonga forum and asked a few questions about repayment plans, I didn't put any figures/details in but they replied through the forum admin that the thread wouldn't be approved

as it had sensitive info on it. I'd previously sent my I/E to the collections & customer care departments. The Forum admin people had already contacted the collections and let me know what monthly payment would be acceptable, one phone call later and it was all sorted

 

Not the most conventional way of setting up a plan but at least it worked

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Hiya everyone.. Just got this email from wonda today any help/advice would be appreciated seen as they keep adding charges on!

 

 

"Thanks for your email.

 

 

As you have given us no understanding as to how your circumstances have changed since initially borrowing from us and therefore why we should accept payment by installments, your offer is rejected.

 

If you do wish to arrange a repayment plan with Wonga, please provide proof of any changes in your financial circumstances such as loss of employment or ill health as soon as possible. Please show the change in your finances between the dates you borrowed the funds, *****, and your due date *****

 

 

Your current loan balance is £*** and your account is * days in arrears.

 

You should be aware that until a agreement is set you may continue to receive contact from us regarding your arrears. Our card payment collection programme will also continue and interest will also accrue until an agreement is in place.

 

 

Please contact a collections advisor on 0844 842 9109 if you have any further questions regarding your account.

 

 

 

Kind regards,

 

 

Collections Department

0844 842 9109 "

Edited by Tink_2010x
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OK they want a change in circumstances scenario. Just say you have got in to debt and are now trying to be fair to all your creditors. There can be many reasons why people can't pay. I would continue to withold any payment until they agree reasonable plan. They usually seem to in the end.

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Hiya everyone.. Just got this email from wonda today any help/advice would be appreciated seen as they keep adding charges on!

 

 

"Thanks for your email.

 

 

As you have given us no understanding as to how your circumstances have changed since initially borrowing from us and therefore why we should accept payment by installments, your offer is rejected.

 

If you do wish to arrange a repayment plan with Wonga, please provide proof of any changes in your financial circumstances such as loss of employment or ill health as soon as possible. Please show the change in your finances between the dates you borrowed the funds, *****, and your due date *****

 

 

Your current loan balance is £*** and your account is * days in arrears.

 

You should be aware that until a agreement is set you may continue to receive contact from us regarding your arrears. Our card payment collection programme will also continue and interest will also accrue until an agreement is in place.

 

 

Please contact a collections advisor on 0844 842 9109 if you have any further questions regarding your account.

 

 

 

Kind regards,

 

 

Collections Department

0844 842 9109 "

 

OH DEAR OH DEAR this I presume is Wonga (you put wonda LOL ) have they stated sending you threatening mails as yet let me know as I have recently won a case against them (out of court) about this kind of contuct keep us posted and let me know.

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Thanks robjam1969 - I just emailed them back and basically said what I could afford and if they wont set a repayment plan up then I will just wait until it is passed to a DCA, rather blunt but it would be much easier for them to accept a plan so I could at least start paying them - but noo they will leave it as long as they can so they can add more charges on!

 

toofiegap - ha ha yeah i meant wonga .. I would love to change their name but believe me it would be to something worse than wonda lol.. Not really had any threatening calls - infact they havent rang me once as yet.. just the odd emails, they havnt been threatening as such but a little patronising etc! Good on you winning your case with them! does that mean I have some delights to come..

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just watch your bank acct they have the happing of trying to drain it best on that side to cancel your card (report as lost or stolen) and get a new one if you do start getting nasty threats from them I have details on how to deal with that. good luck on trying to sort out your Pay day woes I would never ever again use them more trouble than they are wiorth

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yeah I cancelled my card when I was due to default to make sure they couldnt dip in and take what they wanted.

lol yeah I can say for sure I will never ever use a payday company again! Thanks for your help and advice - I shall keep you posted on what they try and do next.. Are you all done and dusted as far as payday loans go?

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only got 2 now chasing PDUK want nyone 700 for a 400 loan for earlier this year they call up but they seem to ease off since this wongs thing the One is QQ abot 300ish they seem to have gone very quiet . wait for these to be passed over to a DCA then go for F&F settlements as know they will not take them to court because of the interest if they do then I will defend the charges

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well yours are same as mine then, payday uk accepted a plan of 4 payments @ £50 for 4 month and asked for my bank details.. nooo chance! so I emailed back asking for theirs and they have not replied! I shall be resending it shortly. QQ is my biggest at 500 and they are numptys! they have gone quiet so I shall wait for DCA too but apparently reading on here the DCA they pass to are a nightmare - the joy! I shall keep you updated with them and give you whatever advice I can..

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Quick update all

 

Just received this email from wonga,

 

"

 

Thank you for your email.

 

 

In order to agree a repayment plan, a collection advisor will need to assess your current financial situation.

You should be aware that until a repayment plan is set you may continue to receive contact from us regarding your arrears. Our card payment collection programme will also continue and interest will also accrue until an agreement is in place.

 

Please do not hesitate to contact us on 0844 842 9109 as soon as possible to come to a mutual agreement. The office is open Monday to Friday, 9am to 6pm.

 

 

We await your call.

 

 

Kind regards,

 

 

Collections Department

0844 842 9109

Wonga.com "

 

I really dont want to ring them because I know I will back down to them and apparently they can get really nasty.. Do you think they will set a plan up by email or am I just going to have to bite the bullet?

 

Thanks everyone!

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lol thanks Jamie I shall try be strong! Just read the other post about them taking money when they want even when a plan is in place.. They are ridiculous. I will email once more and failing that I may have to ring them uggh.. Thanks again..

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Just going to send wonga a payment now because they wont setup a plan until I show my intentions to pay..

If I go onto my online banking and do a transfer to their account details they have given me - is this safe??

Thank youuu in advance!

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Totaly safe Tink

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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