Jump to content


  • Tweets

  • Posts

    • 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  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

My case v Barclays


Geraintheath
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6523 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Sent off my DPA letter on Thursday last week and got all of my statements already, along with my £10 cheque! Is this the being nice stops?

 

Just gone through them all and reckon I've been charged £1045. Now here's my dullard question. Since I've been overdrawn forever all of these fees have accrued interest. How do I work this out and can I, I believe so from reading the FAQs, claim it back?

 

Good luck everyone else

Link to post
Share on other sites

Hiya

 

There is an excel spreadsheet here : http://www.consumeractiongroup.co.uk/forum/showthread.php?t=182

 

this will work out your interest at 8% (which small claims courts allow) per day on the charges, however, if like me you consider the bank has 'borrowed' your money without your consent, then you could try to add a nominal interest rate of your own on top of this and add that to your claim. banks charge between 14% and 29% on loans. check how much your bank charges and do likewise, if you feel lucky, otherwise just use the spreadsheet.

 

TIP: if you select the cells in the spreadsheet and copy/paste below the example, the formula's automatically update to refer to the cell they are in, use the option 'insert copied cells' and tick the box to 'shift cells down' this keeps the formula's and totals intact.

 

You may need to do this depending on the number of entries you need to put in the spreadsheet.

 

Rebel

vs Barclays Bank plc - £1670+interest @ 8% + Costs Concluded 24th June 06 - 5% donation sent

vs Bank of Scotland - £2226.42+interest @ 8% + Costs SETTLED IN FULL 6th Aug INCLUDING 8% pre court.

Link to post
Share on other sites

Thanks for the tips rebel uk.

 

I'm not going all medieval on them and charging them a rate for borrowing my money as I have an overdraft and it's not really my money to lend them, if that makes any sense!?

 

However, I'm still not clear on how on Earth I can calculate how much of the interest they have charged me on my overdraft over the years is down to these unfair fees.

 

Anyone able to help?

 

The 8% apr is only applicable once you have sent the initial letter and have then issued a claim against them, n'est pas?

Link to post
Share on other sites

Ok, from what I've seen so far:

 

1) Barclays seem to be offering 33-50% of claim after the first letter.

 

2) Those who fight it and are claiming relatively small amounts

 

3) Those claiming higher amounts are not getting such quick resolutions

 

 

If the mods don't mind...can we find out who has got back what, at what date and at what stage?

 

I'm about to send off a claim for £1040+interest after having received my statements through the DPA letter for free.

Link to post
Share on other sites

Could I make a suugestion based on Richard's answer - there are quite a few surveys going, and they tend to reflect 'work in progress' for various issues. My suggestion is that there is a whole new folder for surveys...and all existing threads get pulled into it...some of them are becoming hard to locate now...thanks.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

Link to post
Share on other sites

  • 2 weeks later...

Sent my initial letter to my local branch requesting 6 years worth of statements, as I didn't have a complete set, and a £10 cheque.

 

5 days later my statements, my £10 cheque, a large paper clip and a nice letter saying 'there is no charge for this service'. Kind of making a mockery of no charge for 250-300 sheets of paper when they charge me £25 everytime I go over my limit - even when they don't send me a letter!!

 

I've calcualted they owe me £1040 plus interest. I've no way of working out how much of my o/d interest is down to the penalty charges as I can't find the different tiers they charge at and when they applied.

 

Posted the request for the money last Thursday giving them 14 days to pay-up, I also detailed that I will retain the right for the interest accrued due to penalty charges.

 

Had a nice letter from them this morning with the usual spiel informing me it would take upto 28 days to deal with my complaint. It's my complaint, so that 28 days means nothing to me...if I don't have a positive response by Monday 25th then it's small claims time.

 

Guess I should expect an offer of £400-£500 next week?

Link to post
Share on other sites

  • 2 weeks later...

No further reply from Barclays so LBA will be on it's way tomorrow.

 

Still unclear on how to work out the o/d interest on the penalty fees, do I need to detail this now or just acknowledge that I am seeking it? Slightly concerned in the lack of cases resolved. Pretty sure it will just be a matter of time as there seems to be a large amount of cases pending.

Link to post
Share on other sites

Yes deadlines are approaching now for some of the cases, so we should have some positive results.

 

Work out the amount of interest you are claiming by using the Interest Spreadsheet.

 

Then include the relevant statement that you are also seeking interest of £x.

Barclays - £4k - Hearing Date 19th Sept 06

Smile - £370 - Refunded in Full

Capitla One - £100 LBA 25/5

Virgin ? Data Protection Act 25/5

Link to post
Share on other sites

They're really taking the p!ss now. I'm sure that £10 over the o/d limit incurred a £25 penalty. Just been sent a letter charging me £30 for going £5 over. Swear I haven't been informed of the change!? Anyone else noticed this? Horribly crass considering! Not sure whether I should phone-up and demand a full refund of this penalty charge or just add it onto the £1300+ they owe me!?

Link to post
Share on other sites

They put their charges up earlier this year, funny they didnt advertise this?? I wonder why they didnt?

Barclays - £4k - Hearing Date 19th Sept 06

Smile - £370 - Refunded in Full

Capitla One - £100 LBA 25/5

Virgin ? Data Protection Act 25/5

Link to post
Share on other sites

I went in today on another matter and asked about this. I was told by an advisor that this had been mentioned on my statements. Will look hard for those little gems but genuinely have never noticed them. Guess I'll get it back sometime but certainly not helping today...

 

 

...looks like there are a lot of people from Plymouth on this site due to the publicity it has attracted in the local media, so has anyone else been 'done' by the city council today?

 

I did'nt get paid and will not until Tuesday morning!! Skint all bank hol now and have missed DD payment so yet another penalty charge. The cheeky , sorry lying, sh!t on the phone told me that banks had been contacted and would extend o/d's, not charge you fees etc... . I now have another black mark against my credit rating and had to walk 5 miles to work today thanks to some useless tw@t who missed the pay deadline. They even had the nerve to try and apease me by saying 'we haven't been paid either!'...I DON'T CARE! They will apparently pay all penalty charges back to me so, but doesn't help today and certainly doesn't help my credit score. Any ideas on how to deal with these @ssholes!?

Link to post
Share on other sites

What does your employment contract state regarding dates of salary payment?

If it specifies a particular day or date in each month and they have failed to adhere to this then they are in breech of contract. You should sue for damages- bank charges, incovenince over bank holiday weekend including any consequential losses.

Link to post
Share on other sites

Heard this on the news, today.

 

Apparently HBSC had a major meltdown of the system computers and so were unable to accept or process any BACS transactions. It is anticipated that the problem will be rectified by Tuesday.

 

 

Full story at......

 

http://www.vnunet.com/vnunet/news/2114750/experts-question-hsbc-outage-claims?vnu_lt=vnu_art_related_articles

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

Received a very typical letter from Dave Chapman offering me £425.00 full and final. Normal spiel with T&Cs and disagreeing with my view etc, but also interestingly...

 

"This is with the cost and inconvenience inherent in a further dispute in mind and is intended as a gesture of goodwill"

 

I'd been quite patient with them and actually didn't send my LBA off, as stated previously. With cases looming for about 4 or 5 others I was playing a bit of a waiting game. They must be just stalling, as mentioned by OBLong in another thread, they can't know something no-one else does!?

 

LBA will be sent this afternoon.

Link to post
Share on other sites

Guest Lueeze

Threads merged, please stay on this one if it is to do with your Barclays diary.

 

Thanks

 

Louise

Link to post
Share on other sites

Gearintheath

""This is with the cost and inconvenience inherent in a further dispute in mind and is intended as a gesture of goodwill"

 

This is a typical legal ploy, but in fact is quite a mild one in this case. It is usually accompanied by an additional statement with words to the effect that if you don't accept this offer, they will make it clear to the court and judge that they have "been reasonable" and tried to resolve the matter without going to court, but you were unreasonable and unwilling to accept. Cheeky but that what these legal types do.

Link to post
Share on other sites

Thanks, so short-changing me around £900, not to mention the initial 'theft', is reasonable behaviour! I see. May be it's time to start bandying around "extreme stress due to financial pressure caused by your maladiministration" or "considered suicide" and go for some proper compensation!

 

Maybe I should ring-up and tell them I'll accept the amount with cleaning the credit record without o'd interest/costs/8%APR if they want me to settle for a reasonable amount!?

 

 

Merged threads, please keep to the same one.

Link to post
Share on other sites

  • 1 month later...

Been offered £600 by some chap called Pereira. Typical bumph in the letter along with 'your view that the charges are unfair' . I don't just think they're unfair, I know they're unlawful, buffoon. MCOL will be launched at the end of next week.

Link to post
Share on other sites

  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6523 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...