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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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


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Hi,

 

Firstly this is fantastic! our banks have made me and my boyfriends lives a misery for years. We had always tried asking th banks for refunds - even when we could not afford the rent and they would always refuse! They don't give a s**t! I am determined to do this - i'l admit i am a bit nervous but when we were looking at the information sheets we got very excited. My boyfriend has been charged excessive amounts by Barclays over the years and Halifax have chrged me up to £800 in less than a year!

 

My friend told me about all this and she is studying law so i think she will be able to help me if things get complicated.

 

I will keep every one updated. Can't wait...Just 1 thing can any 1 confirm where i post my initial letter too?

Halifax -

LBA sent 12/05/06 for £1,232

 

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Hi everyone,

 

I am fairly new to this forum, i'v been havin a good old read and posted a few threads. Yesterday i sent my DPA letter off, my boyfriend has also sent one off to (Barclays), so i will keep u posted on how its going.

 

This site is absolutely brilliant. We have suffered really badly from banks charging us. On more than one occasion we have been unable to pay the rent simply because of charges. What angers me is how can they justify charging £30 for going overdrawn by £1.25????? How do these a** holes sleep @ night?

Halifax -

LBA sent 12/05/06 for £1,232

 

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Hi

 

All the best with both of your claims. Please keep us informed of your progress, and remember that we are all in this together.

 

If you meet any problems, or have questions that are not answered elsewhere (and most have been), please post them to the forum.

 

 

 

 

 

 

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Please guys help me I am just new to this forum.Where can I get this DPA letter.If any one has a copy please may you send me a copyplease.

 

Please can you post to a new thread. It helps people to follow your case - and enables us to give you a quicker response to questions. Check out the FAQ's:

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5

 

 

 

 

 

 

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Ok so i only sent my DPA leter off on the 3rd April but i just get the feeling that its going to take a long time. (My b'friend recieved a reply from Barclays within days).

Which e-mail address is it so that i can pester them?

Halifax -

LBA sent 12/05/06 for £1,232

 

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  • 2 weeks later...

Hi,

 

Ok so i am not the most patient person in the world but i have heard absolutely nout off Halifax yet. I am going to e-mail customer relations - has anyone got any good ideas for a scary reminder letter that might kick them up the ass!

 

Thanks in advance

Halifax -

LBA sent 12/05/06 for £1,232

 

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Hi,

 

It's your claim and your timetable. If you have sent them letters telling them what you are going to do and when, why do you need to remind them. The bank are 'big boys,' they can read and they understand what you are saying.

 

When your deadlines are up move onto the next thing you said you were going to do. If they start crying, and shouting 'foul,' then it's hard cheese for them...

 

Sorry...I'm very impatient, but unfortunately trying to remind them all the time will only add to your frustration. Believe me, I've heard not a sausage from HSBC, and a couple of weeks ago I was in the mood to go into the bank with a 'big hitty thing' and ask why they weren't responding to my communications.

 

Just hang in there and think of all that lovely money you are going to get back :rolleyes:

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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yep, your right i know!

It is just so frustrating - especially when they can still be arsed to send me plenty of letters saying they are charging me again!!!

 

23 days left to go!

Halifax -

LBA sent 12/05/06 for £1,232

 

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Charging you again - is this a statement of charges pending? If so, and to fill your time and get a little thrill to boot, you might want to try sending them this. They won't stop the charges going through, but I had them refunded within 8 hours of being applied...(with HSBC mind!)

Dear Sir/Madam,

 

I find myself in the position that your actions require my intervention for the [HOWEVER MANY] time in the space of a few days. I am seriously reconsidering my view that [bANK] has the capacity to act as my fiduciary in a responsible and lawful manner, as implied by the terms and conditions between both parties.

 

[WHENEVER] I received a statement from [bANK], stating their intent to unlawfully apply penalty charges to my account on [DATE]. These charges are to the sum of £XX, as well as an interest penalty of £X.XX for the 'privilege' of this unlawful action being undertaken.

 

As you are aware, I have asked you to demonstrate to me that these punitive charges are fair and just, that they are lawful, and that they are being lawfully applied. You have failed to demonstrate this to date, and therefore it is implied by your refusal or inability to supply such demonstration, that these penalties are, indeed, unlawful.

 

Therefore, I would draw your attention to the following point: you have stated that these charges will be applied on [DATE]. If these charges ARE applied, then you will be required to explain why you have, in my view, committed a pre-meditated breach of the law, and I will be reporting such breach to all of the relevant authorities.

 

However, as this has not yet happened, I require that you take action forthwith, and cancel this transaction prior to its execution. Furthermore, I require confirmation, in writing, that this transaction will, indeed, be cancelled.

 

I shall be checking my account on [DATE], and if I see that the penalty charges, plus interest, have been unlawfully applied to my account, I shall lodge a claim at the county court to recover these charges, plus my costs and interest calculated at 8% APR, without hesitation. Furthermore, I shall require that you confirm whether these unlawful charges have resulted in a default notice against my record with credit reference agencies, and if so, I will seek appropriate action to have this notice removed.

 

In view of my first paragraph, and considering your apparent incompetence to act as my fiduciary in a lawful manner, I will start to consider a course of action whereby I may seek redress for all the inconvenience you have caused me.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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No its not a statement of charges pending - just the usual standard letter from Gary Kettle saying: 'we have paid this DD on this occasion... or if this makes you overdrawn then we will also apply a penalty charge of £28.'

 

Not too keen on this Mr Kettle bloke...

 

Thanks for your help anyway Spiceskull - wouldn't like to get o the wrong side of you!

Halifax -

LBA sent 12/05/06 for £1,232

 

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- wouldn't like to get o the wrong side of you!

That would never happen - I'm too nice :rolleyes: I just like to shout at the bank!

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Guys nothing toupdate really - i sent my DPA but not so much as a peep from Halifax yet! My boyfriend has recieved the standard letter from Barclays saying that the statements are on the way but 'what do u mean by the term manual intervention' so i sent one back explaining exactly what i meant and so we shall watch this space.

 

Getting v. impatient with Halifax tho!:mad:

Halifax -

LBA sent 12/05/06 for £1,232

 

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Yeah i think i will.

I think i might of delayed it myself, cos rather than enclose the £10 fee, i said they could deduct it from my account but my account is overdrawn at the minute - (due to thier charges of course) so i am not sure what will happen. I'v only jus found out my account is overdrawn!

Halifax -

LBA sent 12/05/06 for £1,232

 

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Bookworm has very kindly changed the title of this thread so hopefully it will be easier for everyone to follow.:)

Halifax -

LBA sent 12/05/06 for £1,232

 

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I reckon Halifax will be using the fact that i am overdrawn to delay taking the fee out my account, therefore allowing them to avoid sending my statements.

 

Well i get paid on Monday so i will be ringing them to remind them about the letter i sent them and to confirm that it is ok to take fee out of account. This is entirely my fault of course! What an idiot i am!

 

Would it be best to ring customer relations?:)

Halifax -

LBA sent 12/05/06 for £1,232

 

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It shouldnt matter if your overdrawn or not. I've read through loads of posts and its clear the banks like to keep everyone waiting. They have with my - Abbey have 1 day to enter defence. They did everything else at the last min so im expecting this to be the same.

Abbey Claim

27/03/06 Served Claim, acknowledged 05/04/06, 24/04/06 Defence entered & 50% offer. 25/04/06 accepted 100% ofer via email.

 

Alliance & Leicester

LBA sent 27/06/06, Claim Started 25/07/06, 14/08/06 Charges refunded!

 

Barclaycard: DPA 21/04/06. Prelim 12/05/06, LBA 26/05/06, Claim issued on 27th June. Acknowledged 03/7/06, 20/10/06 Court Date Set: 8th December

 

Barclays: DPA 21/04/06, statements arrived 02/05/06, prelim 06/05/06, 21/05, LBA, Barclays offered 50% 1 day after LBA deadline. Refused and claim started 5/6/06. Acknowledged 9/6/06, defence entered 07/07/06, allocation questionnaire sent off. Court Date October 25th, case settled 24/10/06

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Yeah thats true. I think Halifax sent jonni2bad's statements to him on the 37th day!

I'm just very impatient cos i'm broke!

Halifax -

LBA sent 12/05/06 for £1,232

 

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Arent we all inpatient when it comes to getting money?

Abbey Claim

27/03/06 Served Claim, acknowledged 05/04/06, 24/04/06 Defence entered & 50% offer. 25/04/06 accepted 100% ofer via email.

 

Alliance & Leicester

LBA sent 27/06/06, Claim Started 25/07/06, 14/08/06 Charges refunded!

 

Barclaycard: DPA 21/04/06. Prelim 12/05/06, LBA 26/05/06, Claim issued on 27th June. Acknowledged 03/7/06, 20/10/06 Court Date Set: 8th December

 

Barclays: DPA 21/04/06, statements arrived 02/05/06, prelim 06/05/06, 21/05, LBA, Barclays offered 50% 1 day after LBA deadline. Refused and claim started 5/6/06. Acknowledged 9/6/06, defence entered 07/07/06, allocation questionnaire sent off. Court Date October 25th, case settled 24/10/06

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Wooooooooooohhhoooooooooooooooooooo!!!!!!!!!!!!!!!!!!!:lol: :lol: :) :) :)

Well guys its my birthday today and guess what arrived on the doorstep...MY STATEMENTS!!!!!!!!!!!!!!!!!!!!!!!!!! That was the best present of all!

 

And...! I was expecting around £700 in charges but when i totalled it up it came to £1,232!!!!!!!!!

 

Prelimenary letter in the post as we speak!;-)

(Sorry if i appear to be over excited - i'm a bit ****ed!)

Halifax -

LBA sent 12/05/06 for £1,232

 

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Sorry guys i have also updated my original thread but i was so excited that my statements arrived on my birthday i had to do a thread especially for the occasion!

 

The statements arrived yesterday and i calculated all the charges and it came to £1,232!!! This is just in a year - i can't believe it. I had assumed the figure would be around £700 so i was gobsmacked at the total.:eek:

 

Makes me even more determined to get it back now!!!

Halifax -

LBA sent 12/05/06 for £1,232

 

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