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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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Apex Credit Management - strange reply to CCA request. ** SUCCESSFUL OUTCOME **


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Hi All,

 

My wife closed her Santander account and forgot about a direct debit of £20. Santander bounced the DD and charged her about £110 in total. She offered to pay the direct debit cost but disputed the charges. silence ensued until she got a threatening letter from Apex Credit Management Ltd asking for £550!

 

We sent them a CCA request, including £1 postal order etc via signed for mail and we've they've replied with a signed for letter stating:

 

"Thank you for your letter dated ... the contents of which have been duly noted.

Our records show that we have not received written authority to deal with an appointed third party on the above account. Please forward authorisation so that we can forward any requested information to you."

 

 

Anyone got a clue what they are on about? How should we respond?

 

Thanks in anticipation!

apex2soph.jpg

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What exactly did you write in your original letter.. I agree there reply is a bit wierd ?

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Have they cashed your payment?

 

Andy

We could do with some help from you.

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Hi Andy,

 

Nope they returned the £1 postal Order, the CCA request letter and included their strange letter stating "Thank you for your letter dated ... the contents of which have been duly noted.

Our records show that we have not received written authority to deal with an appointed third party on the above account. Please forward authorisation so that we can forward any requested information to you."

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Aha! Think I've just figured it out - Apex sent the original letter to my wife under her maiden name as she had her Santander account before we got married (married last august). When I wrote to them with the CCA request I put her married name. They must be viewing that as the third part ergo if I resend the CCA request in her maiden name that should work?

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They have returned it Chris because its an overdraft, (even with the incorrect name) CCA requests are not applicable to current accounts.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thanks Andy,

 

So what's the best way to fight it? I got my initial info a bit wrong. It wasn't a bounced direct debit, she'd forgotten that her Santander card number was linked to her amazon account and bought something for about £20. They whopped on £100 or so in charges, she was closing the account anyway so told them she'd pay the £20. They've passed it on to Apex who now claim they wan't £550. Doesn't seem fair that £20 last year can turn into demands for £550?

 

thanks for all the help

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Have Santy advised of any assignment or do they still own it? Apex know you are on the ball so I would just file it for now, no paperwork can be disclosed for an O/D so they cant prove it.Retain all statements from Santy and watch for any interest being applied to the debt.

 

Andy

We could do with some help from you.

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Santy haven't advised anything. Wife joined LloydsTSB and they said they'd close the Santander account. She deleted it from her online banking and heard nothing more from Santy. Then in October the Apex letter turns up. So we just await developments? She doesn't get statements from Santy since the account shut so we can't see how it got to the alleged £550 level or check interest/what they're doing with it now.

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Did you receive conformation of the closure from Santy ? More importantly did you not receive a termination notice of the account closure and request for any outstanding balance? You could DSAR Santy this will give conformation of how the debt as accumulated and could prove handy if this progresses any further.Costs £10.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Nothing received from Santy. Possibly things were sent to my wife's ex flat (she moved in with me when we got married). She's been back and checked mail but hasn't seen any Santy letters (some things may have been missed/returned as the post arrives in a central lobby area). Thanks very mcuh for the advice. So ignore Apex, DSAR Santy and go from there?

 

Cheeers

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Nothing received from Santy. Possibly things were sent to my wife's ex flat (she moved in with me when we got married). She's been back and checked mail but hasn't seen any Santy letters (some things may have been missed/returned as the post arrives in a central lobby area). Thanks very mcuh for the advice. So ignore Apex, DSAR Santy and go from there?

 

Cheeers

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Thats all you can do Chris at this stage, Apex don't know what day of the week it is so deal with the OC on resolving this matter.

Retain all paper trail because sometimes your DSAR request may trigger litigation.Knee jerk reaction, but hardly likely for the amount involved,Also check her CRAs see if they have defaulted her.All bases covered then.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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  • 1 year later...

So you are still waiting on the Subject Access Request ? Has the 40 calendar timeline passed ?

 

Did you check the request had been received (if you sent it special/recorded delivery)

 

If you sent hte payment by Postal order you can check if it has been cashed by telephoning the number on the receipt

 

If you sent it by cheque then you should check with your bank/statement.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Thanks for the reply,

 

It's about 70 days since the request was sent (early December). Sent a postal order and via recorded delivery - wife can't find recorded deliver or postal order receipt - doh!

 

Guess I should re DSAR Santander (this time keeping the proof!) Inform "Clarity Credit" that Santander have been Dsared and wait for developments?

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Oops.. it might be worth sending a failed DSAR letter to Santander and see what htey have to say. I imagine as the letter hasnt been returned to you then they have received it.

 

It is important that you keep all receipts for proof.

 

When I send letters that contain postal orders - I always put the PO number within the letter and add a note at the bottom of the letter to confirm that it will be sent by a tracked method.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks for the advice - shall do! Is their a template for a failed DSAR letter?

 

Try something like:

 

 

 

Dear Sirs

 

Account no: xxxxxx

 

LETTER BEFORE ACTION

 

On (date) I sent to you, by recorded delivery, a Subject Access Request pursuant to s.7 Data Protection Act 1998, together with the statutory fee for same.

 

You will be aware that such a request must be fulfilled within 40 calendar days.

 

To date I have not received either disclosure of the data you hold on me, nor have I had the courtesy of an acknowledgement or explanation for your non-disclosure.

 

Take notice that should you fail to discharge your statutory obligation within the next 14 days, I will bring an action against you in the County Court for an Order to disclose, together with damages at the Court's discretion and my costs in the matter. I will also raise a formal complaint with the Information Commissioner.

 

Yours etc.

 

 

 

Of course you should only threaten court action if you intend to go through with it, but as long as you can locate the recorded delivery chit they would stand no chance - they either gave full disclosure or they didn't.

 

However, I'd guess that you'll get some weaslly excuse about not receiving the letter, but with disclosure, so you'll achieve your end.

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