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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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    • 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.

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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Halifax PPI


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Hi All

 

I'm about to start a claim against the Halifax for a life policy attached to a mortgage but am confused by the addresses posted here, could someone confirm which is current please as a quick Google hasn't come up with much.

 

DSAR Team

10 Carlton Street

Halifax

HX1 2AL

 

Or, their new owners:

 

DSAR Unit,

Lloyds TSB BANK PLC,

Customer Service Recovery,

Charlton Place,

Andover,

SP10 1RE

 

Many thanks :)

Edited by wrinx
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  • 2 months later...

Letter went in as planned and the forty days have passed with nothing.

 

What's the best course of action now, write to them with a reminder of their obligation or something else?

 

wrinx

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Hi wrinx

 

I guess you sent this recorded or special so you know they got it.

 

I'd do a stiff reminder letter telling them that they and their data controller are in breach of the Data Protection Act and if you do not get all the information you requested within 14 days (or 7 if you really want to) you will reporting the offence to the Information Commissioner and that you reserve the right to issue court proceedings to force compliance which may involve a claim for damages.

 

ims

 

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14 days :-o Thought it was forty to comply with an access request....anyway, yes I sent it recorded and they cashed the cheque so will draft a letter and get that out...thanks :)

 

wrinx

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14 days :-o Thought it was forty to comply with an access request....anyway, yes I sent it recorded and they cashed the cheque so will draft a letter and get that out...thanks :)

 

wrinx

 

Hi

 

Yes you're right...40 days or the SAR. They haven't complied and you can, if you wish, just report them and/or sue.

 

However, my personal preference is to fire the shot accross the bows and gove them one last chance. 7 days or 14 whichever you prefer. If you do have to sue then it shows you have tried to be reasonable with them.

 

ims

 

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  • 4 weeks later...
  • 5 weeks later...

Still nothing from the Halifax. I called them (because the ICO will apparently take months) and was told there had been a mistake and my letter had been filed rather than actioned, which frankly sounds like a cop out:rant: Anyway, SAR fee refunded which is small consolation because that would have been claimed back anyway.

 

The information was supposed to be with me in around five days, it's now been ten and I'm not convinced they'll come through.

 

Without my information from the Halifax information I'm unable to confirm exactly what is supposed to have been agreed to and therefore cannot take them directly to court.

 

Is there anything else I can do, what's my next step...thanks :)

 

wrinx

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Thanks, I'll give them another week to allow for weekends and then look at the pack.

 

I've just been wondering about interest and have read the PPI wiki and Interest tutorial, but it's not clear about calculating interest for PPIs...simple or compound?

 

wrinx

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Hi

 

Initial approach will be for the premiums, the interest on them as contracted on the mortgage plus 8% stat on them too.

 

Unfortunately we can't work out the figure unless and until you get the copy of the agreement and the dates of the payments.

 

Regards

 

ims

 

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Thanks, slightly more complex than I thought then (I was thinking a straight 8%)...I have a list of payments made and when, but they need confirming by the Halifax as you say.

 

Will report back when I know more...thanks again :)

 

wrinx

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Hi

 

If you know the following, you can work out your claim amount

 

A->The total amount borrowed including the single premium ppi amount

 

B->The amount of the ppi premium

 

C->The dates and amounts of the repayments you have made to date

 

Regards

 

ims

 

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A - I'm not sure, I have the figure for the amount of Life Cover Benefit (the mortgage loan amount) and cover term (264 months), no idea about the "single premium PPI amount".

B - I know the monthly premium but there's no other figures (hence the SAR).

C - Got those.

 

Sorry if I'm being dense here...

 

wrinx

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OK, it's all arrived today.

 

I'm still not clear from the figures where the "single premium PPI" can be found, is it the insured amount?

 

I can't find a signature sheet for the TMPP, it's mentioned on the mortgage contract I signed but not in terms of specifically agreeing to it, should there be one?

 

I still don't understand why this was taken out or applied to the account because I already have Life Cover elsewhere :| Surely a mortgage can't be repaid twice...

 

Assuming I have a case, is it better to go to the Ombudsman or Small Claims?

 

wrinx

Edited by wrinx
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A quick google shows I don't have a "single payment PPI" so that simplifies things :lol:

 

I'll add up the premiums and apply the "standard" 8% to make things simple.

 

Should I write to HSBOS, outlining my case to set the ball rolling?

 

wrinx

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