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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
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Backdoor Arrows CCJ - old Cap1 Card Debt Prob SB'd **SET ASIDE**


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Hi everyone,

I have a bit of trouble I need help with.

I was recently rejected for a flat that I wanted to rent due to a CCJ for £287 filed in Aug 2012.

I traced where it came from and Northampton County Court told me its from Arrow Global and that they stated I have made an agreement to pay monthly but did not keep up with this.

I never made an agreement with them!!

I have 1 letter from then at my old address asking for £200 but I have written on the bottom that I called them to ask where this debt had come from and asked for the information to be sent through in writing as I am not acknowledging the debt without knowing what its for.

They never wrote to me again after that so I forgot about it.

I now have a CCJ!!

I am annoyed because I have had no letters about this, I did move again in March 2012 but my mail was redirected to here so I would of got a letter.

I also got nothing from the court telling me of a date, and nothing to say I have a CCJ.

I mean, im on the council tax list, voters register everything so why have i had no letters?!?!

I have traced this debt back using the reference number the court gave me and it relates to an old credit card I had 10 years ago.

It was so long ago I have no paperwork for it but I definitely have made no payments or acknowledged a debt on this card for well over 6 years so I didnt think it would go to court.

Obviously it is a debt company who has bought the debt I dont know how many times since the card company owned it but I have not once acknowledged it so I didnt think it would be acted upon.

I now have a CCJ on my file for 6 years stopping me from being able to rent a flat and all for £200 which I would of just paid had I of been made aware of all this.

DO i have any sort of re-course?

The claimant in court stated I made an agreement but this is not true.

Can i argue this as I was given no court date to attend?!?

Any help apreciated.

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Hello there.

 

Given what you've said you could make an application to have the judgment 'set aside'. For this to succeed you need to meet two key points:

a) you must make the application promptly

b) you must have a reasonable prospect of success

 

b you certainly meet due to the potential that this debt is subject to the statute of limitations. the promptness argument might be a little more difficult as could be judges out there that feel the application hasn't been made promptly enough - that said you should look to argue that you made the application as soon as you became aware of the judgment. I think it would be a pretty rotten judge that wouldn't allow the application.

 

More info on setting judgments aside here: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=12_how_to_set_aside_a_judgment_in_the_county_court

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thanks for that info. Do i need to apply to the court where it was issued though, Northampton? Thats 300 miles away from where I live. Ive never lived near Northampton. Can i go to my local County Court?

 

Any successful application will transfer the claim to your local County Court for hearing.

 

Regards

 

Andy

We could do with some help from you.

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hi, i have been and got the N244 form you said about but i have no clue how to fill it out. I read the guidance notes but it says its an application for a court order. i dont really understand what im supposed to put on it.

firstly do i put Northampton County Court in the top right box or do I put my local Court? And where do I send it?

Question 3 says what order are you asking the court to make and why, i have no idea!

 

Any help apreciated as im not confident in what im doing at all.

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  • 2 months later...

hi all,

I found out about a CCJ on my credit file when I was rejected to rent a flat. I traced it and worked out they had written to a previous address and this is why I had no knowledge of it. The debt was from 2007 and for £200.

 

I went to my local court and today was told it would be set aside as I had no knowledge of it.

 

What happens now though? I didnt want to ask the judge as she looked a bit mean! lol.

She said they would serve notice again to my new address, what does this mean? Will I get an oppertunity to pay it without it going back to court?

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You will receive a notice from the court "General form of Order". This will be sent to both you and the claimant.

 

If you wish to repay the debt then the company may well write to you. I do not think it will be in their interest to reissue the claim to your new address.

 

If you give us some idea what the debt was for then perhaps we can offer other advice :)

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I will alert the site team for you to see if they can advise whether you should approach the company or wait for them to approach you.

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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can I suggest you get an SAR off to cap1

 

WHO took you to court?

 

do you know?

 

[the claimant]

 

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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ok i must not be talking sense sorry,

 

the credit card was taken out in 2004, my last payment i made to it was in 2007 so not quite the 6 years ago to claims statute of limitations. The debt was sold from capital one to Arrow Global in 2011. They took me to court without me knowing and the CCJ was filed in August 2012.

I only found out about the CCJ on my file in March 2013 when I was rejected for a flat rental. I then applied to my local court for them to set aside judgement as I was not aware of the proceedings.

Today the Judge agreed to set aside judgement.

I probably do owe the £200 remaining balance on the card and Im happy to pay it but im just wondering what he procedure is now.

I presume both parties myself and the claimant arrow global will receive a letter regarding the judgement being set aside.

Do arrow global then write to me asking to pay the outstanding amount or do they file another claim and serve notice to me at my current address or what?

I just want a chance to pay before it goes to court again.

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You are back in the same position as though they hadn't issued any court papers, so for them to continue they would need to reissue the claim from the beginning to the correct address.

 

It is up to you whether you wish to pay it off and get rid of it or check to see if they are any charges / ppi or dispute mount etc by sending the sar as suggested above.

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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  • dx100uk changed the title to Backdoor Arrows CCJ - old Cap1 Card Debt Prob SB'd **SET ASIDE**
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