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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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CCJ paid for 9 Years but has PPI on PPI Loans


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Well this is what's happening now. Advice again now needed as they being awkward!

 

I returned my letter stating I wanted all PPI money paying to me direct as the debt had been sold twice

and I that they returned my SAR saying no info on me when they clearly have as they have quoted to me exactly what I paid to them

before they sold the debt on and assigned it to something portfolio for which I have copies off all letters proving this.

 

Phoned them just now as still had no response to my letter.

 

They said not had anything from me so put me through to the guys phone who I addressed my letter to to speak

to someone who said this guy wasn't there.

 

He said they won't pay me the amount assigned to marlin as I have not paid that element to them.

 

I told them I am still paying the debt and whether or not the PPI was added upfront onto the loan they have had the money from selling to marlin.

 

He says he can only pay me what I have paid to him and they can't offset to marlin.

Told him their letter to me said they were offsetting to marlin!

 

He said to send him a copy of the letter by email as I told him they broke the terms of my SAR request too by claiming to have no info on me when they have.

 

He said that was a different department.

 

Told him doesn't matter what department it's the Bank I requested info and if one department can find my info then the other should be able to also.

 

He was going to send me a letter today showing all the legal reasons what can't pay me full amount of PPI direct

said would it not be better to see my last correspondence before responding as he doesn't have the full info?

 

He said to send by email copy of letter but I feel they are going to try to wriggle out of this one.

 

What are my legal standings on this one?

 

On a good note...

 

. I found all my old loan contracts this weekend and there are more than 3 with PPI loaded upfront on them

all paying off the previous loan with PPI on!

 

I was so pleased to have found them so further claims going in anyway!

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this is the issue with using the phone

 

they say what they like.

 

you SHOULD be getting all the PPI back - end off

 

p'haps time to phone the FOS?

 

as for the old loans

 

 

if they were ALL refinances - then its ONE claim

as they are all linked.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Well they have now responded in writing saying just what they said on the phone. If I want to complain further then they say to send to Financial Ombudsmen.

 

They still say proportion to me for what I paid them and then a reduction at Marlin for what they took of the debt. No mention of the debt been sold twice and no explanation as to why they told me they had no info in reply to my SAR.

 

What are my options with facts that I can substantiate as to why they can't reduce the amount of debt they sent to Marlins. They still aren't saying the debt has been sold despite me having the letters saying debt assigned.

 

I don't know enough or understand the legal side of this as to whether its worth perusing as there letter to me says they will not address me in any further communications as they have exhausted all their investigations.

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When they obtain the judgement it was for the whole amount including the PPI. the fact that they sold it on at a cheaper price is of no consequence to you as they chose that option. Therefore they are liable for the full PPI amount plus interest refund. About time someone caught out a bank. The PPI refund would consist of all three PPIs so you should be quids in and the bank left with the shortfall! I am loving this one! :-D

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Me too as I am in a very very similar situation but with another bank.

 

But also Marlin is where my CCJ is. The portfolio company the OP is talking about is Marlin. It hasnt been sold twice just once but is another desk/department in Marlins office.

 

Marlin specialise in CCJ debt and they will know about it. They search before they buy these debts. What they will not have done is register it in their name. Costs money. They work on the ignorance of the consumer.

 

All this PPI miss-sale and CCJ debt is starting to look like it needs looking into.

 

I keep being told that a CCJ is it and you cant get it set aside as it too old. Nearly 4 years now. But if the judgement debt is made up of lots of PPI then its wrong the bank/DCA can hide behind this. Dont ask why it wasnt defended. Hindsight is a wonderful thing. Sometimes you believe banks courts and the establishment wouldnt lie to you.

 

The courts if this is the case are starting to show themselves up and should be very open to these CCJ's being overturned. If they dont then they are just acting as a debt collection tool on behalf of the banks/DCA's

 

Judges should be asking if there is ANY PPI on an account before judgement is entered now as these CCJ's are surely flawed.

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Most of the remaining debt will be PPI debt that Marlin have! I have the letters saying debt has been assigned to portfolio then another letter saying debt assigned to Marlin under name of MCE or something like that.

 

I am so confused as to what to do. I don't have any expertise in the matter of who owns what and who can offset what where etc. the bank now say wont deal with any further correspondence on the matter and next step is FOS to complain. A big part of me want to just agree what they have offered and be done with it.

 

Not sure where to go now with this. Will ring the FOS on Monday and see where I stand.

 

Anyone else have any ideas and some Firm grounds that I can push this on?

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If I am correct in thinking your letter will have said MFS Portfolio ltd.

 

It then says it has been assigned to Marlin.

 

Both are one and the same entity.

 

Your debt is with Marlin.

 

Think its just a way to confuse which it has done.

 

I have the same letter.

 

If it was assigned absolute then as everyone has said then the bank cannot offset so the PPI should be yours.

All of it.

If the bank deems that they should be telling the DCA then they have breached DPA as this is sensitive personal data.

 

I would write to the bank say no offset and no telling Marlin otherwise you will be reporting them to the ICO

 

The CCJ and defaults are further down the line.

 

First get your PPI back

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I have spoken to FOS and they have said they can reduce the amount to Marlin even though the debt has been sold on twice. He even asked a colleague to confirm this so nothing else I can do now so signed the offer and returned it :-(

 

Thanks to you all for your help and advice very much appreciated. :-)

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  • 2 years later...

Sorry for resurrecting my old post

 

just going through all that happened previously as I am still paying this to Marlins or whoever they are as they have changed their name again in last 12 months.

 

I have been paying this for years and still have a fair bit to pay off.

 

I have wondered is it too late to send a CCA?

If they can't provide my signed contract then can I legally just stop paying?

 

the CCJ dropped off my file years ago

but I have kept on paying to the DCA who purchased the debt from YB when the CCJ dropped off my file.

 

What can I do legally to stop paying or do I just have to carry on?

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You were advised to stop paying years ago

 

Did you get that PPI back?

 

DX.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I know DX but I daren't just stop paying.

 

 

Too honest and I know you say I'm cash cowed but yes I did have the money from the loan

so yes owe it to whoever has the debt

so don't just want to stop without a valid reason.

 

 

I got the PPI money back quite a bit too so I wasn't paying it off this!

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I hope the PPI reclaim was correct as this was several refinanced loans?

did you do a spread?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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pers I'd stop paying

the very WORST that can happen is you get taken to court

and you restart the payments

 

 

simple idea is to put the money aside whilst you do this.

 

 

sorry but I really cant see why is the years you have been here and been told this you've not done this...

 

 

it cant harm you

 

 

once you've done this

we'll know what to do by the threat-o-grams you get.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I had a detailed breakdown for each loan account number and 8% compensation for each account.

 

Have just found some more loan contracts not included in the payout that have sent off new claims for too hence the going over old ground.

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