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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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      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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Bathgatebuyer v Halifax


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Well, I'm going after this bunch I've been with since 1994. I opened an account while I was a student in September 2004. I seem to remember at that time it was a mere £2.50 for going overdrawn or writing a rubbery cheque (an essential part of student life), whereas it's now something ridiculous I don't want to think about!

 

So, sent of my DPA letter with cheque and ID yesterday via Recorded Delivery and now I sit and wait.

 

I do have a real grumble with the Halifax as they were fine until they merged with BoS (I'm sure BoS custoemrs say the opposite!), but they have previously served their 'You will get a default unless.......' letter. One of which was issued despite me sending in a cheque to them with an account number written on it was returned with their letter 'could you tell us which account this relates to' then two days later sending the default letter!!!!

 

So, from then on it has been recorded delivery letters all the way. Taking no nonsense from them. This one will almost definitely run into thousands, so I'm perfectly happy to take this all the way. Fortunately I have a mailing address in England - courtesy of my Uncle - and can go through Moneyclaim rather than the Scottish Courts.

 

Either way, I want my rightful dues back after the past 6 years of sleepless night, etc, caused largely by their excessive charges.

 

Up the revolution!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Certainly sounds about right going by the charges I have to face. Think they've got to be one of the highest, and unlike so many other banks and institutions, they have failed to amend their charges to a more reasonable level.

 

Another grump about them coming up - one month on contract working, my employers forgot to sign and send my form for payment, so I missed all 13 direct debits. Thinking this was going to happen, my local branch said 'tough, can't do anything about it', then suddenly changed their minds when they noticed my savings account which had tens of thousands in it while waiting to go into my new mortgage account. Suddenly they couldn't be nicer.

 

Make no mistake, charges are designed solely to shaft the poor guy at the bottom of the tree who has maybe done nothing more than fall on hard times, become ill, divorced, changed job, etc, etc. We stop becoming customers at that point, but an opportunity.

 

Thanks to this website for realising that we don't have to be just money making oppporunities with them anymore and that they will have to start to listen to us.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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I know what you mean! I was working full time, and I had a full account, overdraft, cheque book etc. When I dropped my hours to part time after coming back from maternity leave I started getting charges as I wasnt earning as much. Well after that they downgraded my account to a basic one. I still get cheque books but no card and I still have my overdraft facility but no other perks!

 

I have been working full time for the past 3 years now and I have my wages and Tax Credits and Child Benefit all paid into my account and they still wont give me a full account. Everytime I go to the cashiers I get hassled by them to make an appointment to get my account upgraded. Even when I say to them "You wont give me one I keep trying" they still want me to have an appointment. But it is wasting my time as they wont give me one. Grrrrrr

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Grrrrrrrrrr. Two phone calls in two days from these people. "You're over your overdraft limit" - yes and the account is in dispute. The person yesterday said they were putting the account on hold. "Well they didn't - so can you pay". Eventually they said they would put it on hold for a week which is apparently all they can do. Told her fine, any other charges, etc, etc inflicted would merely add to the amount they have to pay me when it gets to court along with the interest. And the sad thing is, I mean it. For once, speaking to the Bank, I actually felt empowered.

 

I reckon they owe me thousands. And interest.

 

They don't frighten me anymore.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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  • 2 weeks later...

More pestering calls from the Halifax asking me to resolve my overdraft issues and not willing to put matters on hold while our dispute is resolved.

 

Oh well, looks like another letter of complaint going to them.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Dont let them get you down, that is what you want. My deadline for the first letter has expired and yesterday I got a reply from them. They are offering me £450 as full and final settlement. Works out to be 1/5 of what I am claiming. No thanks! They also said that they would close my account if it wasnt being run in a fit state (something along those lines). You mean you are going to close my account because you keep charging me and bouncing my DD's and you are making a fortune out of me, yeah, right!

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  • 2 weeks later...

Another threatening letter from the Halifax :rolleyes: and another 2 phone calls yesterday, and one more today :mad:

 

Despite the fact that the account is in dispute, and that I have phoned them before, and that I have responded to their calls, and that I have faxed a response to their letters, and that I have written to them on several occasions......................................they persist in making daft phone calls while I ahve previousy advised that their account is in dispute.

 

It is beyond predictable and has now just become boring.

 

I did advise the caller today that the course of action as becoming harassment because of the extent of the contact. I couldn't quite remember the name of the legislation to quote, but hey, I think I got my point across, "I WILL be pursuing legal action you for your charging regime over the past 6 years (I'm using the English court), and I believe that you owe me between 4 and 5 thousand pounds. So continued calls about £60 beyond my overdraft is a joke while I'm still awaiting a reponse to my recorded delivery letter of early Sept".

 

At present the account has been put on hold, and hopefully that will stop the calls in the meantime. But I am fed up of these direct diallers phoning me up and annoying me and everyone else at work.

 

When I defeat those Evil forces of Darkness at Trinity Road and get all that lovely wonga back, I will be treating myself to a fancy phone that plays a tacky muzak version of 'Sexbomb' or 'Who let the dogs out' while I leave Banks and other organisations on the end wonder when the hell a human will answer.

 

Press 1 for more tacky advertising jingles

Press 2 for some more options and more patronising jingles.

Press 3 for another menu with a long silence and no other options to get out of the present call loop hell

Press 4 to speak to a patronsing person.

 

:evil: Repeat, "I will not allow these people to bug me anymore...........I will not allow these people to bug me anymore......................"

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Oooooooh, my mantra may have worked! Today came an offer for just over £1000 but no statements :confused: Anyhow, it transpires that there's over £3000 worth of charges on the account since 2003 (Apparently I was a good girl before that - ties in with the time of my redundancy), so I think I'll wait to see the list of charges coming through (should be Monday or Tuesday) and then decide where to take this from here.

 

"I will not let these people bug me anymore.................."

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Hmm its funny i actually worked in the post room and in the claims center at trinity road as a summer job until a few weeks ago and i must say there are a lot of incompetent, lazy, underpaid contract workers there. At the moment im trying to get back £67 in charges but im not hopefull that my complaint will be processed quicly, yet alone reach its destination.

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And another phone call at Sunday lunchtime from the Halifax!!!! "You're beyond your overdraft limit can you make a payment today?", that less than 24 hours after another part of the Halifax offered me over £1000 to settle.

 

DO THEY NEVER BLOODY LISTEN?! How many times do you have to write, fax, phone, etc....................

 

"Could you phone Customer Services and ask them to give Collections a call about this?" No. I have a dispute with the Halifax - not the Customer Services Team, but the Halifax as a whole. You blinking well phone them.

 

Complaint being sent today. It will result in sod all but it will make me at least relay the strength of my feeling to them.

 

"I will not let these people bug me any bloody more"

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Hi Bathgate Buyer,

 

I am about to pursue the Halifax for £4600.

I intend to go use the 'Summarry Cause' court for three claims of just under £1500 and a 4th through the small claims court.

Can I submit all 4 claims simultaneously, or must I submit each claim one at a time?

I have my preliminary request letters ready and I'm about to deliver them by hand at my branch.

 

Your advice would be greatly appreciated.

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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:eek: No way!!! I'm not changing my 11 yr old phone number because one department of the Halifax doesn't speak to the other. If anything, they've just made me even more determined to take them to court for the full extent of the charges.

 

I have, however, registered a complaint with the Telephone Preference Service today about the number of calls they have made which rings once or twice before hanging up, and am shortly to prepare a complaint to HBoS themselves.

 

They are making me angry, and definitely taking them all the way now.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Hi - not sure how to deal with it! I've yet to decide whether to use the English or Scottish Courts system. Moneyclaim seems a good system, and I do have an address in England I can use, however, the convenience of using Edinburgh Sheriff Court is not something to be sniffed at, so I may be following the same course as you in pursuing this via our own legal system.

 

It will be good training for me as I'm now in 2nd year of a Law degree so consider it valuable experience. Something I pointed out the the Halifax when they phoned.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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You won't be short of thesis material then!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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I have now sent my last 14 days "gie's ma' money back or ah'll see you in court" letter on 11th October - they received it on 12th October 06 (the joys of Track and Trace!), so let's just wait and see what happens next!

 

If I get nothing back by a week tomorrow it's Moneyclaim for me :rolleyes: How exciting, my first MCOL!!!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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And a wee response from their Customer Services Team today telling me that they have made an offer to sell and will not make any further offers. They also suggest I complain to the Financial Ombudsman :rolleyes: But given that it will cost them money, I just might!

 

If they think a 'that's our final offer' will suffice, then they are diddies. In one week, I lodge my claim. Let's see if that changes their mind.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Go get em!!

I hope you nail them.

It is very satisfying to visit this website and see that joe public is not as impotent as the financial institutions woul like us to be.

This backlash is way overdue.

Once I have settled my claims - there will be many - I will take control of my finances by paying bills either by cash or standing order.

I used to do this but allowed myself to be bullied by banks into using Direct Debit. They then withdraw money from your account(s) at a time of their choosing, not when you buget for it.

It is definitely time to take control.

This just relinquishes control to them.

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Recieved a response to my complaint about the persistant phone calls, part of which says:

 

"I would advise that the Halifax does comply with OFTEL guidelines when contacting customers for payment of arrears. OFTEL and Halifax believe that it is acceptable to call customers at 8 am any day of the week including Saturday and Sunday".

 

That's good of them. What about the 10 or so calls each day which ring 2 or 3 times then cut off because they use automated diallers?

 

Ach, that's annoyed me. It's off to raise this with my MP I go!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Hi Again,

Well spent a very happy six hours going back over six years worth of bank statements and logging them on to check interest amounts. Wot fun. I have now got everything together and will post off today my first letter. Will let you know responses as and when. It is interesting to note that things only really got bad when BOS and the computer took over and carried on working all through the weekend. I used to go down to pay in cash/cheques in the machine outside only to find it was out of order. It's even worse now they (the Halifax) say that if I use my card on the internet, the floor limit of the company I am buying from may be £50 before they check with the Halifax for clearance. This has resulted in a lot of my charges over the last year. I think this is also an unethical way of making huge amounts of money out of unsuspecting people. If you click to pay for something on the internet, and it is allowed, this may not mean you have the money available. They are allowing it and will finally claim it from the bank by which time you may go over your limit and incur more charges. The Halifax says it is not their fault! They give these companies the limits don't they. :rolleyes:

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Think I'll definitely be sending off a copy of the OFT harassment complaint form! Ah.............looks like such a busy weekend!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Righto - preparing my N1 form.

 

Can anyone help me with my 'Brief Details of Claim'?? What should I put in that section? Ok for the Particulars of Claim section, but a bit unsure for the first part.

 

Ta' in advance!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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