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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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    • 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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Rockwell Collection Agency - hounding me


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Hello all, I'm desperate for help here!

 

About 12 years ago I found myself in a dreadful financial soup. My debts were sorted via various CCJ's and I have been paying 2 pounds per month by Direct Debit ever since.

 

About a year ago I started receiving letters and phone calls from Rockwell, and I noticed that one of the DD's had stopped being taken. I spoke to a rep from the company and stated that I had not stopped the payments. I filled in a new DD mandate and posted it back to them. They have never taken any funds since.

 

The last month or so they have hounded me again. I spoke to a very angry and verbally bullying woman from Rockwell, and when I told her that a court had ordered that I pay the 2 pounds per month, she told me that if I didnt provide proof of the CCJ within 2 weeks that I had to pay the full amount (about 14,000 pounds) or be taken to court. I do not have any copies of the CCJ agreement.

 

I am currently not answering their calls (at least 2 per day) as I am actually quite worried. It has taken me many years to get back on my feet financially. I work part time and am a single mum of 4. My credit score is now very good.

 

They basically say that I have to prove the CCJ. But I can't! Help!!

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Hi there

 

Forget Rockwell...they are a dca and have no teeth. STOP TALKING TO THEM ON THE PHONE (If you haen't already).

 

Who was the original creditor for the debt they are chasing.

 

You could send Rockwell a CCA request which will stop them in their tracks. When was the last payment you made to them?

 

ims

 

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If this is subject to a court order then a CCA request will not help at all.

 

Get onto the court and ask them for the details you are missing.

 

However the length of time involved they are unlikely to have the details of the CCJ.

It is NOT for you to prove anything, they are talking bowlark, and as for the telephone harassment, keep a diary of events, and report them to the Police for the criminal offence of harassment, not to mention the admin of justice act..

 

Send the muppets this http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

The least you need to send that by is 2nd class post, BUT, obtain "Proof of Posting" which is free from the PO counter, that will put them to strict proof that any further calls will be reported as harassment.

 

Start a complaint's procedure through the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

Also make one to the FOS and your local MP;

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

 

http://www.writetothem.com/

 

Stay OFF the phone to these clowns, if you answer it DO NOT go through their hilarious security questions, just tell them "Everything in writing" and hang up.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The original debt was to Midland Bank (now HSBC) and it was passed on to a couple of companies, Tessara and Phoenix Recoveries. I last paid 2 pounds about 2 years ago. I think (!) this was when it passed onto Rockwell. All the other DD's from that time of all the CCJ's are still coming out of my account. I just don't understand why this is happening now. What I'm really afraid of is that it will generate a new CCJ which would completely ruin my now-good credit score. I have offered to pay the 2pounds every month but they say that that was just a 'temporary arrangement' which it wasn't. It was a CCJ. They appear to not accept this, and have said that to be allowed to continue paying this amount I somehow have to prove it. What is a CCA? Sorry to sound so clueless but all this was sorted by a caseworker at the CAB all those years ago. Eeek!

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Thank you both for your replies. I am very grateful.

 

I shall inform them that I feel harrassed and request everything in writing. Unfortunately I do not even remember which court it was, it may have been local, but I really don't know. I was young and clueless at the time, and like I said, everything was sorted by my caseworker. I lost my house, everything.

 

I know I still owe the money, and am more than happy to pay the 2 pounds every month. I just wish they would accept this as I really thought those dark days were way behind me.

 

Surely they must have evidence of the CCJ? Wouldn't the original lender have a copy? Can they take me to court again?

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A CCA is a consumer credit agreement, the document you would have needed to sign in order to get the credit/loan/bank account in the first place.

 

If this is for Midland, your on a good footing for a start.

 

Do you know which court awarded you the CCJ? If so contact them and see if they have any record of this being made, tell them that a somewhat undesirable outfit has reared their head out of the sewers demanding payment for a debt that is/was subject to a court order, and they are demanding full immediate payment. They will tell you what your best move will be.

 

If the court can find NO details of this ever being awarded against you, then I agree that a CCA request would work in that instance, it will be extremely unlikely for them to pluck that agreement out after all of this time!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi

Well your finger crossing got some good rsponses :-)

 

Here is a link to the letters you will be needing over the next few weeks/months/years

 

http://www.consumeractiongroup.co.uk/forum/content.php?609-Can-t-find-the-letter-you-want-Look-here

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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