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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
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joint housing benefit claim am i solely responsible


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Hi all

Does any one know if this is correct

 

As a couple we have had an over payment in housing benefit, it was being recovered from ongoing benefit

We have now split up and I have informed them and have moved out of the area.

 

Now I have been told that Im responsible for the total amount even though it was a joint claim, you are unable to make a single claim for half the rent,so why am I responsible for his half.

 

I am happy to pay back my half.

but Im left holding the baby (literally) now a single mum of 2 how and he gest to walk away with no worries, he lived there too,

 

I made the claim to make sure we had a roof over our heads, now I'm stuck with the bill and he doesn't even have to pay half,

luckily I have realised what he really is after throwing me and 2 kids out of our home.

 

I have written to the council so will just have to wait and see

but was wondering if any body knows if this is even allowed with a joint claim? it was paid into his account not mine.

 

Thanks hoping for good news.

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Is he still claiming housing benefit too?

I would of thought that if the over payment was in joint names then the council should be claiming back off of both of you. I have to agree this does not sound right. Have you been in and spoken to anyone at the council about this. If not I would make an appointment and discuss this with some one and ask why the onus has fallen on you to pay it.

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Thanks but I don't know if he is, hopefully I will never see or speak to him again.

 

I cant go to the office as I'm now to far away.

 

Apparently its my responsibility as I was the lead claimant what difference that makes when its joint, I don't know if I could have put in a half claim I would have.

 

If anyone has any idea that would be great.

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Thats unfortunate,

So because you are the first name on the benefits, they have decided to chase you for it.

 

There is nothing in the The Housing Benefit (Recovery of Overpayments) Regulations 1997, that I can find, that states the first named on the benefit is totally responsible for the overpayment.

 

I would email them back and ask where it states that you are wholly responsible for the over payment.

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Whom the overpayment is recoverable from is covered in the Housing Benefit Regulations 2006. However, if the overpayment arose prior to 10th April 2006, it will be covered by different legislation.

 

I'm attaching to this post the Housing Benefit Overpayment recovery guide. Depending on when the overpayment arose, and how it arose, you could well have a very good case for appeal. When writing to the council, it helps if you can quote the exact paragraph to them, informing them that it comes from their own guide - this leaves no room for doubt.

HB OP recovery guide.pdf

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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although it is possible to make joint claims for some benefits, for example, income support or income based JSA, there is no such thing as a joint claim for housing benefit or council tax benefit

 

for HB/CTB claims, one person is the claimant and the other is the partner, in this case the overpayment is recoverable from you as you were the claimant

If you have found my post useful, please click on the star at the bottom of my post and add some reputation points.

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this is the letter i had from the council

 

You have requested that the outstanding overpayment as stated above be split in light of

this being created on a joint claim for housing benefit.

Unfortunately there is no regulation in place that permits recovery proceedings of an

overpayment being taken against a partner.

As the main claimant you would have been made aware via our notification letters of your

responsibilities as a claimant to make housing benefits aware of changes in your

household circumstances.

As the periods of overpayment are all prior to your housing benefit ending the

overpayment is deemed recoverable from you, the claimant, in full.

We have already set up a repayment plan, if this arrangement creates financial difficulties

please find enclosed a financial statement that needs to be completed and returned in

order to re-evaluate the repayment plan.

If you have any further questions regarding this matter please do not hesitate

 

 

I have written again so will keep you posted.

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  • 2 weeks later...

Hi everyone

I have just had another letter back from the council.

It says.

"although he signed the forms in 2009, the only contact they had was with me, no notification was sent to him, (even though addressed too both of us)

and due to a change in my income and an increase in child tax credits that was paid into my account. they have deiced that the overpayment cannont be split and is my responsibility.

 

this seem so unfair to me people say single mothers have an easy time, but they seem to get shafted by useless men and government bodies left right and centre.

 

does anyone know where i can get legal advise on this? as tax credits split any overpayment why are hb not the same.

thanks

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We are not able to recommend specific commerical companies or solicitors for legal advice.

 

However, your local CAB or Welfare rights department will be able to either provide you with free representation or provide you with a list of companies which may be able to give you legal advice.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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  • 7 months later...

Hi finally got some legal advice advice,

I have to pay the whole amount, because i have been pro active in trying to sort it out and therefore easier to chase for the money,

What a fab responce.

Just wanted to let you all know the outcome.

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