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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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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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SAR?


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Well thankyou for the information, i take a normal SAR form is required. Me and my partner were wrongly tricked into paying £1000+ of rent arreas to get a move as we had four children in a one bedroom. This was a verbal agreement:-x. Didnt know back then what i know now. Now my case is going back to 2000, there is now a total debt of £1648 paid by me for rent, also a fat council tax bill too "waiting for paper work." Me and my partner were always in reciept of benefit, problem being is proof of this. We at the moment are SAR The local council authority for me then my partner £10 - £25 each, Bank £25 SAR, Tenants SAR from local council office £25. Housing Benefit want £10, Council Tax want £10. Has the price gone upto £25 or are they mearly trying to take me for a mug again. By the time im done ill be judge judy "but a male version" and ill be doing the system for its malicious bullying. Any help would be appreciated, as currently trying to save a single mums mortgage, and many friends who have been screwed over by so many organisations. There is one bonus im doing all this from the love in my heart. "okay maybe a little satisfaction of being able to stick my finger up, in a polite political way of course:lol:

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Well thankyou for the information, i take a normal SAR form is required. Me and my partner were wrongly tricked into paying £1000+ of rent arreas to get a move as we had four children in a one bedroom. This was a verbal agreement:-x. Didnt know back then what i know now. Now my case is going back to 2000, there is now a total debt of £1648 paid by me for rent, also a fat council tax bill too "waiting for paper work." Me and my partner were always in reciept of benefit, problem being is proof of this. We at the moment are SAR The local council authority for me then my partner £10 - £25 each, Bank £25 SAR, Tenants SAR from local council office £25. Housing Benefit want £10, Council Tax want £10. Has the price gone upto £25 or are they mearly trying to take me for a mug again. By the time im done ill be judge judy "but a male version" and ill be doing the system for its malicious bullying. Any help would be appreciated, as currently trying to save a single mums mortgage, and many friends who have been screwed over by so many organisations. There is one bonus im doing all this from the love in my heart. "okay maybe a little satisfaction of being able to stick my finger up, in a polite political way of course:lol:

 

I've not come across any organisations that charge more than £10 myself, but ICO guidance does have this to say:

 

A subject access request must be made in writing and must be accompanied by the appropriate fee.
In most cases
, the maximum fee will be £10,
but this can vary
, particularly if the information requested is for health or educational records.

 

I always thought £10 was an absolute upper limit, but from reading that I guess it's more of an average and reasonable ceiling.

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The DWP and HMRC do not charge for SAR's. If they were to introduce a charge, their maximum would be £10. Local authorities may charge - again it's a maximum of £10 for each request (unless it's educational records) but it depends on the authority. Some councils charge, some don't. What council is it?

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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It is brighton and hove city council. managed to get a few templates ready i was how ever given a form on their website cannot link as not had enough posts yet there is a SAR form there i have printed out but it looks more a benefit in its writings towards the council, should i use a template and apply for all of my public record?

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Brighton and Hove LA charge £10.00.

 

I've attached their SAR form to this post. You can use a SAR form, or you can write a letter. If writing a letter, make sure that you are asking for information in accordance with section 7 of the Data Protection Act 1998, and enclose the payment. You need to be very specific about what you want and about who you are otherwise they may try to delay the request by asking for clarification or saying that there isn't enough information to idenify you or your files. BHCC_Subject_access_form.doc

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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thats what i was going to link, also ive added my own personal loggos up the top, is that a problem for offical forms or am allowed to mark them. Plus i want all information brighton and hove council have on me, i.e video survallance, council tax, fines, etc, do i just tick boxes and expect all to be given to me or should i be specific and if so is their information on all that i can ask for. Currently researching if i can SAR inland revenue, national insurance, basically anything to do with my Mr Name. This way i can be full aware of all circumastances.

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was interested can i print my name at the bottom of documents, in fear of Forgery and Counterfeiting Act 1981 (c. 45)

should i also list this in documents and trying to find template to make all communication in writing. thanks

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Have a search of the debt section may be the legal bit (unsure where I last saw the SAR advice)

 

You do not have to sign anything! The fact that they are replying to you at an address which they normally would send mail too (without verification every time by you) is proof enough.

 

Erika's top dog on this subject so heed her advice..

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It's extremely unlikely that the LA will use your signature fraudulently - they are not DCA's. In relation to benefits, most insist on a signature so that they can check the signature matches those on your benefit claims - which they could easily lift your signaturre from anyway if they were going to do it (which as I've said, is unlikely).

 

Although the DPA does not specifically require a signature on a section 7, it does state that they are not obliged to comply with the request if they reasonably require further information in order to satisfy themself as to the identity of the person making a request and have communicated that to you. A signature can be a way of satisfying themselves of the identity of the person making the request. If they refuse on this basis, your only comeback is to complain to the ICO or take them to court to force compliance, which will drag it out - and remember the ICO or court will also consider that they are taking their data protection obligations seriously by trying to satisfy themselves to the identity of the person. However, if you prove your identity in other ways, it will be harder for them to get around it. I had a similar carry on with a catalogue company. I had no account with them, yet they insisted I did. There was no debt registered but I found they had been at my credit file so wanted to know how they came to be there and what info they held on me, I'd never heard of them in my life. People told me to leave it as they weren't saying I owed money, but I wasn't happy that they'd been nosing at my credit file without reason. The mere threat of court made them provide the info quick smart.

 

There are ways that you can sign your name without people being able to 'lift' the signature. You can sign through a line, a row of crosses or symbols - even use a digital signature.

 

If you are really concerned, don't sign it and see if they comply - then if they don't we can look at it again.

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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