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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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    • 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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benefits muddle! HELP!!!!


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I was claiming incapacity and income support, i failed my atos "medical" which i had intended to appeal against. My partner has now moved in and I have recieved a letter saying I can no longer claim income support and i do not have enough stamp payments to get paid any incapacity so if i were to carry on with that claim I would receive no money but they would pay my stamps! I cannot claim working tax credit as my partner earns to much annually, still waiting on housing benefits. Any suggestions? My son also lives at home with no income so 3 people would have to live off one wage! Is it worth claiming job seekers just to get another income in??

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You would only get your stamp paid if you claimed JSA and you would have to show that you are willing and able to actively seek and take up offered employment. If you are still not able to wok due to incapacity then you need to appeal the Incapacity Medical and you may be moved on to the contribution based ESA (someone else with more knowledge of Incap/ESA should be able to advise you more about this). But there are no other income based benefits that you can claim due to your partners incone, so he will now be required to support you as a family unit.

 

How old is you son that lives at home?

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My son is 21. he was claiming job seekers but now refuses to do the course they send you on, he instead is doing a small cleaning job of only 10 hours per week, which brings in the same as he would on job seekers . I'm not well enough at the moment to work. I have the support of my doctor but not sure how the appeal will go!

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I was claiming incapacity and income support, i failed my atos "medical" which i had intended to appeal against. My partner has now moved in and I have recieved a letter saying I can no longer claim income support and i do not have enough stamp payments to get paid any incapacity so if i were to carry on with that claim I would receive no money but they would pay my stamps! I cannot claim working tax credit as my partner earns to much annually, still waiting on housing benefits. Any suggestions? My son also lives at home with no income so 3 people would have to live off one wage! Is it worth claiming job seekers just to get another income in??

 

hi mrw

I take it you have failed the medical that would have taken you from IB to ESA.

If your partner hadnt moved in then you could have claimed ESA appeal rate, but I think you would have claimed the Income Based ESA as you havent got enough stamps for the ESA conts based...

This means in simple terms now he has moved in you cant claim any benefit whilst you appeal.

You can sign on JSA but it will only be to credit your NI stamp you will receive no money..

As Flumps says your son can claim JSA if over 18

but now you have a partner in full time work he will be expected to keep you :(

Your IS has ceased because your IB has closed

Hopefully you can get housing benefit

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Yes they said I can't claim IS because my partner moved in. I could have still claimed IB on the lower rate whilst my appeal goes through but because i had not payed enough stamps IS was paying my incap. If that makes sense! Normally having a partner moving in would not affect IB . I will wait and see what housing benefit comes up with. My partner is paying an IVA so might have to go bankrupt if we have to pay everything!

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Yes the Incapacity Benfit was a contribution based benefit and if you didn't qualify to receive the actual payment of Incapacity Benefut then you could claim for an Income Support tiop up as long as you met the qualifying conditions for IS.

 

With regards to your son, he is working 10 hours per week but if he refuses to participate with the Job Seekers Directions (suchj as training courses or the work programme) then he would be referred to the decision makers to determine the payability of his JSA award and it would be likely that he would receive a sanction.

All he can do is look for additional hours or a full time job.

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Yes they said I can't claim IS because my partner moved in. I could have still claimed IB on the lower rate whilst my appeal goes through but because i had not payed enough stamps IS was paying my incap. If that makes sense! Normally having a partner moving in would not affect IB . I will wait and see what housing benefit comes up with. My partner is paying an IVA so might have to go bankrupt if we have to pay everything!

 

 

Oh yes this makes it clearer

 

You had failed the IB PCA, if you appeal this then you claim I.S hardship rate its £54.00 per week.

But I.S is means tested so now you have a partner who works over 24 hrs then you are not entitled to I.S any more

 

You are correct a partner does not effect your IB if you were on IB conts.. But you say you were just getting IB credits with I.S paying the benefit so he would have effected your claim. Appeal the decision but if you win your IB will be reinstated but you will win no arrears of benefit because you are now not entitled to I.S

 

I am taking it he has just moved in and you have just informed I.S..

Because before you failed your PCA and were on IB/IS if he was in ther household then you would not have been entitled to I.S,

 

Have you put his figures into the WTC calculator

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Yes he has only moved in this week, so everything is happening at once and we just don't know where we are! I informed them last week. I will continue with the appeal and see what happens, What is the WTC calculator? My son won't budge on this course thing, it is held in a rough part of town which he refuses to step foot in! He is looking for a full time job but unfortunatly not a lot on offer around here, and the jobs that do come up have hundreds applying for them.

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