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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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      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.
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Finally Taking On RBoS


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Hi all

 

I got my statements from RBoS and calculated that they owe me £882.00 so my letter for claim 1 (£620.00) will be posted in the morning. Feeling a bit nervous about it but also feel I have plenty of support here if I get worried :)

 

I'm a bit confused with my RBoS statements though. I had a Royalties Account which cost £5 per month. Each month the statement has an entry of "CHG TO DDMMM A/C XXXXXXX £5.00", but on months where I went over my overdraft limit it still just gave one CHG entry for a total of £25. Does this mean the amount I claim for that month is £20? Also, on months with the £25 CHG, directly underneath this entry there was a similar looking one (still "CHG TO DDMMM A/C XXXXXX" with another amount eg £5.27. I presume this is interest charged by them for going over my limit? The amount seems a bit strange for going over my limit by £10 or so for 1 day. Can anyone clarify what this charge is? I've not included it in my 1st claim. I'm trying to keep the amount under £750 so doing it in 2 stages.

 

Thank you everyone in advance for being helpful and friendly. Hopefully one day I'll be able to return the favour!

RBoS Round One:

Subject Access Request sent 02.10.06

Prelim Approach For Repayment sent 23.10.06

LBA for £620 (round 1) sent 30.10.06

Partial Settlement Offer £374.00 received 4.11.06

Rejection of Settlement sent 6.11.06

Full Settlement of £620 offered 15.11.06

Ready for Round Two......................

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Based on my attempts to decypher my Royalties account charges, I think that your assessment of these charges is right. I had these variable charges as well, and assumed that they were interest charges on the overdraft.

 

Good luck with your claim.

Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived

LBA sent 29/8/06 £2646.64 claimed - no reply

Claim entered 26/09/06 £2716 + interest. Not acknowledged so Judgment requested 17/10/06

Judgment in default 28/10/06:lol:

Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...:D

GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06

LBAs on 2 accounts sent 5/11/2006

 

2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...

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ABSOLUTELY. Just deduct the £5 charge from your monthly figure (you can usually tell where it is by the fact it will be on the same day each month)

 

J

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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  • 2 weeks later...

Thanks for all your kind words.

 

Received my sod-off letter from Tommy McLean today. At least we're keeping someone in a job!!

 

I guess the next step is the LBA :eek:

 

I'll post it on Monday. I'll keep you all posted.

RBoS Round One:

Subject Access Request sent 02.10.06

Prelim Approach For Repayment sent 23.10.06

LBA for £620 (round 1) sent 30.10.06

Partial Settlement Offer £374.00 received 4.11.06

Rejection of Settlement sent 6.11.06

Full Settlement of £620 offered 15.11.06

Ready for Round Two......................

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Question - I've sent all my previous correspondence to RBoS Head Office in Edinburgh. Should I send my LBA to Tommy McLean at the Customer Relations address (ie, the address at the top of the letter he sent)? Just typing it now.....................

RBoS Round One:

Subject Access Request sent 02.10.06

Prelim Approach For Repayment sent 23.10.06

LBA for £620 (round 1) sent 30.10.06

Partial Settlement Offer £374.00 received 4.11.06

Rejection of Settlement sent 6.11.06

Full Settlement of £620 offered 15.11.06

Ready for Round Two......................

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Guest willowb

Hi:)

 

Yes, just deal with Mr T:lol: from now on until if or when the case gets passed on to their litigation team AKA Cobblers!!! LOL

 

Wxxx

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Wow, old Tommy McLean's reply came quicker than I anticipated. As predicted, I received my partial offer letter offering £374.00. I've been reading through the template letters and I'm a bit confused what to do next. I guess I need to write back a 'thanks, but no thanks' letter but I can't find a template for it. Also, what's the next step.

 

It's all a bit nerve wracking :o , but I suppose that's the banks's intention. They'll be hoping that we all accept the partial offers and slip away quietly!

 

Clint1974's post restored my faith and gave me the confidence to carry on (thanks Clint ;) )

RBoS Round One:

Subject Access Request sent 02.10.06

Prelim Approach For Repayment sent 23.10.06

LBA for £620 (round 1) sent 30.10.06

Partial Settlement Offer £374.00 received 4.11.06

Rejection of Settlement sent 6.11.06

Full Settlement of £620 offered 15.11.06

Ready for Round Two......................

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Hiya

 

Just write back accepting the £374 as partial settlement but say you will be going through the courts for the full amount.

 

RBS seem to be settling a lot quicker recently so you never know!

 

Stacy xx

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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If this helps, I've posted a copy of my partial settlement response in my thread.

 

T4FF v RBoS

 

Should expect a full settlement from Big Mac a few days after I would think.....good luck!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Thanks T4FF, that's exactly what I needed. With any luck, I'll get the same response you did!!

 

I also have a 2nd claim to make on the same account. I live in Scotland so had to keep the total amount under £750 so I've split it into 2 claims. I'll be watching your thread to see how you get on with your claim on your second account. Good luck!

RBoS Round One:

Subject Access Request sent 02.10.06

Prelim Approach For Repayment sent 23.10.06

LBA for £620 (round 1) sent 30.10.06

Partial Settlement Offer £374.00 received 4.11.06

Rejection of Settlement sent 6.11.06

Full Settlement of £620 offered 15.11.06

Ready for Round Two......................

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  • 2 weeks later...

Woo Hoo!!! Right on cue, a letter arrived this morning offering a full settlement :D . Thanks to everyone who gave me the confidence to believe this would happen!!!

 

As I previously said in this post, that was round 1 with RB0S as the total amount I was claiming for was over £750. Todays letter from TMcL states, among other things, "Payment is to be made on the basis of a full and final settlement of your complaint". Does this mean if I accept this offer I am unable to start another claim? I was very specific with dates on every letter I wrote (ie, this claim is 2002-2004 and the second claim is from 2005 onwards) so I think it's a separate claim, therefore it's OK for me to accept it and start another claim.

 

Does this make sense?

RBoS Round One:

Subject Access Request sent 02.10.06

Prelim Approach For Repayment sent 23.10.06

LBA for £620 (round 1) sent 30.10.06

Partial Settlement Offer £374.00 received 4.11.06

Rejection of Settlement sent 6.11.06

Full Settlement of £620 offered 15.11.06

Ready for Round Two......................

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Guest willowb

CONGRATULATIONS!!!!!:D :D :D

 

I don't think it makes a difference to your further claims. Check out another thread to do with the process in Scotland and see how they've done it.

 

Well done

Wxx

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