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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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Kensington SPO ***Resolved***


markez78uk
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stop talking on the phone!

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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everything in writing only please

put the phone down.

 

 

IMHO 90% of your worry is allowing them to wind you up on the phone.

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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just called me again from a different number

stated i owe them £1723 from previous missed payments on court orders from september & December last year and i owe them this months payment so i have 7 days to find £2582 and have to call them on 8th august to make the payment

haven't a clue what im going to do apart from cry :(

 

i have advised we can afford to make a payment of £1000 at the end of the month

- but they stated this isn't good enough as i have broken agreements in the past and Septembers payment would be due on the first and we wouldn't be able to afford sept due payment untill end of September

 

they said we let you off over june and july to pay late

- but you had outstanding arrears from last year and senior management have decided that this has to be cleared to stop any further action

 

i have a asked if the payment date could be changed from the 1st of the month to the 28th they said no

also i asked if i could capitalise the arrears

- they stated no my account doesn't allow that :(

 

i paid end of julys payment

but asked if we could pay this months payment on the 10th as this is my wifes pay day

- this is this months payment that was due on the 1st august

- but i then get paid again end of august ready to pay for Septembers payment

 

regards

Markez

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do i risk going to court again ?

as i would of paid august 1st payment on the 10th august

and be paying end of august ready for the 1st September payment this i would be paying 25th august

so i would of paid them £1718 off the above due and be on track apart from the arrears on the court order of £866 ? of which i need to go through bank statements to see where that has come from .

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and yes dx i dont want to talk to them on the phone but they have rung me 3 times now on different numbers and this is the first communication i have had since i sent the proposal off in early june and late june .

godsake im in such a mess

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writing only put the phone down...

please stop talking to them on the phone!!

 

 

these old arrears, mortgage arrears or their unlawful charges they've added?

 

 

so DID you have mortgage arrears from sept - December...?

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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you ask who is calling before you do anything if they ask for someone by name

when they say Kennys you say 'writing only please' and HANG UP>

 

 

we've been telling you this since DAY ONE!!

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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Share on other sites

they have stated if i dont phone them on the 8th and pay £2582 they will issue possession proceedings

not 2 sure about the arrears i know we where in trouble last august but kennys stated they would reset the agreement and let us pay ithe missed month a bit later - i presume they are calling in this debt now

 

i have to check payments when i get in as at work at the moment

 

payment due 1st June - paid 28th June

payment due 1st July - paid 31st July

payment due 1st august - paying 10th august

payment due 1st September - paying 25th august ------- Back on Track

 

they are stating because august payment hasn't been made and is late and July payment hasn't shown on system yet im 2 months in arrears with court order soc they have no choice but to issue eviction if i dont pay £2582 on the 8th they will issue eviction

£2582 - July 31st payment = £1723

+august due cmi = £2382

- august payment cmi + £ 200 arrears court order payment on the 10th august = £1523 outstanding from last year ?

 

cant work it out ??

 

they are awaiting july and august payment and this is why they are going for eviction - but they have added extra arrears from some where ?

Regards

Markez

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they have stated if i dont phone them on the 8th and pay £2582 they will issue possession proceedings

 

thats you ringing them to give a payment which you really should be doing by bank transfer on you interweb banking site rather than by debit card.

that way you've no need to ring them at all.

we've told you that time and again too.

 

i would only be ever paying attention to what they say in letters only

not phone call willy waving.

 

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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Has this Kensington only got one customer ....you ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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what should I do then

just pay Augusts payment on the 10th and then await an eviction letter ?

 

pay end of august ready for Septembers payment

 

so I have paid all the payments I have proposed

 

not sure what you mean by Has this Kensington only got one customer ....you ?

 

I'm just sat here wondering what to do and just looking for guidance and help

 

as you guys and girls have been amazing in the past

 

regards

markez

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yes do what you propose that's the best you can do.

stay off the phone

have you got internet banking?

best pay it that way.

 

have you absolutely stripped everything else bar gas/electric and ctax back to very small payments

 

this has been going on long enough

you need to cut paying non priority stuff like sky/VM/mobile/cards/catalogues out

then get on track with the mortgage

the rest cant do anything to you

 

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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Hi Markez, you should make payments in line with the proposal you sent them. If they go for eviction, we will help you deal with it.

How much are the total arrears ?

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good morning

the total arrears overall ? are £27,596 but will be then reduced to £26737 when we pay on the 10th august

thanks dx - yeah stripped everything back and been paying them over the past year but this has all come back because wife had to get a new job and the start date was delayed for nearly 6 weeks

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If you have to go to court I'm sure the judge would take into account the fact that your wife was trying to get a better job to help with the family finances but the delay was not of her doing :)

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i really hope so

thanks ell

i proposed late june - paid

late july - paid

1st august - not paying untill the 10th so 9 days late

then i will be back on track to pay end of august for 1st September due payment

 

i just hope i can get the payment on the account on the 10th before they go for eviction

 

Regards

Markez

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Maybe write them a letter stating how disappointed you are with the communication from them despite you sending letters and keeping to your proposals. Do you want me to draft something ?

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ELL Yes that would be great

as yes they didn't respond to the proposals i sent beginning of june and end of june

- yesterday on the phone they stated they had noted on my account i was paying late June and July

but because i offered to pay again 1st of august and haven't thats why they called me and stated eviction may be gone for

Regards

Markez

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Hi Markez - well 10 days late is not a disaster. Would you be able to send the letter to them today by special delivery to get there Monday ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Never mind what they say - we need to build up a series of letters you sent to them in case you have to go to court - that way you can show the judge you had a reason for having to make a payment proposal and they have been their usual nasty selves !

Get it posted asap - tomorrow would be fine as long as it's special delivery for Monday by 12 noon

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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