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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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    • 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. 
       

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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SCOOP....Up to date news stories about bailiffs, debt, universal credit, and much more.


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There are so many worrying stories on SCOOP that I would not know where to start. I am really fearful of the full effect of Universal Credit and already in the areas where it has been launched, there are so many families defaulting on their rental payments and I have no doubt that they will be defaulting with their council tax obliigations as well.

 

These are the families that should NOT be subject to bailiff enforcement.

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@ tomtubby " These are the families that should NOT be subject to bailiff enforcement."

 

Sadly inevitably they will, and if the Ea's follow their usual MO, they will engineer a way to charge the full range off fees available from the Compliance, to Enforcement, and the Sales and storage fees if they can.

 

Wonder how many of the impoverished can't pays will be driven further into debt in Bury

 

http://www.thisislancashire.co.uk/news/11367846.Bury_Council_bosses_vow_to_send_in_the_bailiffs_and_collect___6_million_in_unpaid_tax/

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Apparently there are no depths to which Capita won't sink as it acquires the country’s biggest private parking operator, Parking Eye......

 

We saw off the rogue clampers. Now let's purge the parking ticket pirates

 

Capita's entire 'business model' could be in tatters. In the private parking section I posted a very important thread in October 2012 about a very serious Court of Appeal judgment between Parking Eye and Somerfield. I actually managed to obtain a copy of the initial judgment that led to the appeal. Even the BPA and DVLA had no idea about the case. If Capita had carried out a full due diligence on Parking Eye they should have had access to ALL court papers and these should have left Capita deeply worried. There is an important appeal court case shortly that could have serious implications for ALL private parking operators.

 

Also, if there is a legal challenge to DVLA about the 'selling' of our keeper details all parking companies could be for high jump.......

 

Their business models are flawed.

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Capita's entire 'business model' could be in tatters. In the private parking section I posted a very important thread in October 2012 about a very serious Court of Appeal judgment between Parking Eye and Somerfield. I actually managed to obtain a copy of the initial judgment that led to the appeal. Even the BPA and DVLA had no idea about the case. If Capita had carried out a full due diligence on Parking Eye they should have had access to ALL court papers and these should have left Capita deeply worried. There is an important appeal court case shortly that could have serious implications for ALL private parking operators.

 

Also, if there is a legal challenge to DVLA about the 'selling' of our keeper details all parking companies could be for high jump.......

 

Their business models are flawed.

 

Hopefully Capita may well have put one too many fingers into one too many pies and will get it severely burned.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Capita's entire 'business model' could be in tatters. In the private parking section I posted a very important thread in October 2012 about a very serious Court of Appeal judgment between Parking Eye and Somerfield. I actually managed to obtain a copy of the initial judgment that led to the appeal.

 

Even the BPA and DVLA had no idea about the case.

That doesn't surprise me one little bit, TT

If Capita had carried out a full due diligence on Parking Eye they should have had access to ALL court papers and these should have left Capita deeply worried.

And if it is shown that Capita's directors failed to exercise full due diligence, they could all be liable to disqualification or prosecution or both.

There is an important appeal court case shortly that could have serious implications for ALL private parking operators.

I feel many will be following this with interest an not just CAG members.

Also, if there is a legal challenge to DVLA about the 'selling' of our keeper details all parking companies could be for high jump.......

It would probably only need a small number of complaints to go to the Information Commissioner's Office (ICO) to trigger an investigation. ICO has the power to fine transgressors up to £500,000. However, there are offences under the Data Protection Act 1998 of Possessing or Using Personal Data for an Unlawful or Illegal Purpose and I would not be surprised if it applied to disclosures also.

Their business models are flawed.

 

I have addressed specific issues in red text, TT. The BPA should not escape unscathed from this. The whole issue of parking - private and municipal - needs investigating and, here necessary, legal action needs to be taken against companies and local authorities. However, it is the individuals responsible for what has happened who need to be held to account. The days of companies and local authorities expecting the taxpayer to indemnify them against the financial consequences of their misconduct and/or hold them harmless from being held to account by the justice system are drawing to a close. People have had enough and are speaking out and the clamour is getting louder.

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Thanks for that gem, Outlawla.

 

The case for an urgent and far-reaching investigation into what is going on at DVLA is now overwhelming. The oaf who masquerades as DVLA's CEO, Simon Tse, has to go, along with the rest of DVLA's senior management. And not only should they lose their jobs, they should also lose their index-linked pensions. Ordinary civil servants lose their pensions if they seriously transgress and there is no reason whatsoever why Tse and Co should not suffer the same fate.

 

I am sure motorists who have been victims of DVLA's actions would pay good money to see Tse and Co unceremoniously turfed out the main DVLA building, but I have a feeling there will be scuffles as motorists vie for the privilege of kicking Tse's ample backside the length and breadth of Longfield Road in the Morriston area of Swansea.

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It is all the more shocking that the publication was issued in 2011! Talk about the wheels of the law grinding slowly........

 

I believe the term you're looking for is "Let's bury this and hope the public don't find out." Well they have now.

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There are so many worrying stories on SCOOP that I would not know where to start. I am really fearful of the full effect of Universal Credit and already in the areas where it has been launched, there are so many families defaulting on their rental payments and I have no doubt that they will be defaulting with their council tax obliigations as well.

 

These are the families that should NOT be subject to bailiff enforcement.

 

This link relates to an Impact Assessment by ECHR

 

http://diaryofabenefitscrounger.blogspot.co.uk/2014/07/confirmed-full-impact-of-cuts-disabled.html?spref=fb

 

The main conclusion is that families who have a disabled adult or child lose as much as five times as much proportionally as better-off able-bodied families.

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This link relates to an Impact Assessment by ECHR

 

http://diaryofabenefitscrounger.blogspot.co.uk/2014/07/confirmed-full-impact-of-cuts-disabled.html?spref=fb

 

The main conclusion is that families who have a disabled adult or child lose as much as five times as much proportionally as better-off able-bodied families.

 

Why do you think that IDS and Chris Grayling were not moved from cabinet posts. The man that lost his job was Dominic Grieve who believes in proper protection of human rights. Instead Cameron promoted Jeremy Wright who is willing to go along with the right wingers who want to take the UK out of the European Court of Human Rights. They claim that they will have a British bill of rights, which will offer the same Human Rights protection.

 

David Cameron who had a disabled child is allowing a very right wing authoritarian streak of his party to take them down a road, which will mean that the vulnerable are put in a very unfair position. With the withdrawal of human rights protection and limiting access to judicial review the Tories seem to be wanting to cut the nations debt by punishing the vulnerable, presumably hoping that charities step in to offer financial help, when some need it.

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UB,

 

It's really good to see you, like an increasing number of people, have realised what is going on. Please tell as many people as you can. The more people that know, the better. Once people wake up about such matters, they tend to stay awake and do something about it. Although Dominic Grieve is a Tory, he is, deep down, a good man and his dismissal just shows the despotism going on within the current government. The UK government will find it very difficult to renounce ECHR as there are provisions within it, notably, Articles 17 and 18, which mean the Convention rights cannot be taken away from the people, nor can they be restricted. The alleged Bill of Rights is like the Emperor's clothes. Failing Grayling made a big mistake having a go at the legal profession and IDS is just, well, arrogant and totally out of touch. Someone I know who was in the Army with IDS said to me, "He was an a :censored: e when he was in the Army and he still is an a :censored: e." And before someone pipes up that said bodily orifice is useful, the reason the person described IDS as an orifice is because he is full of what is emitted from said orifice.

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OB and UB, the whole LibLabCon are off down a very dangerous road, the poor and disadvantaged being castigated as scroungers so made are the scapegoats to justify their cruel policies.

 

Hoipefully the sheeple have woke up to the lies, one cruel measure is the farming out of what was the Social Fund to councils who will make sure they don't spend anything on it.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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There are so many worrying stories on SCOOP that I would not know where to start. I am really fearful of the full effect of Universal Credit and already in the areas where it has been launched, there are so many families defaulting on their rental payments and I have no doubt that they will be defaulting with their council tax obliigations as well.

 

These are the families that should NOT be subject to bailiff enforcement.

Too true. There are families already living well below the poverty line. Any enforcements against them would lead to even further hardship.

 

In addition, many councils are taking it to court without even notifying the debtor of the court date and location which I think is illegal anyway. You should ALWAYS be notified of any court case against you, the court should also be within reasonable travelling distance to where you live as well. That means they must locate you and notify you BEFORE a court case goes ahead if you have moved since defaulting. This business of suing you at your old address means anyone can sue you for debts you don't even have, the first you know that they've even sued you is when a bailiff turns up at your door. Since you have never been summoned to attend court to plead your case, you have been given no opportunity to deny the debt or question the amount the creditor is asking for.

 

Try negotiating with any bailiff who is only interested in getting their cut from it and you'll get nowhere, I have tried it with a phantom debt against me. Someone decided to sue me for £500 plus "costs" at my old address. I didn't even know the company who I was supposed to be in debt with, let alone borrowed any money from them. It took me 6 months and a lot of letters to finally get the information I needed to get it quashed. I only managed it because I was working at the other end of the country when they say the agreement was signed, it would have been a lot harder if I was still in my home town on that day. The company put it down to a "clerical error" and got away with trying to defraud me, how many other people just paid up because it was too much trouble to try to get it quashed or they didn't know how to?

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How are councils allowed to make up their own rules ? Have the government allowed local councils flexibility in how the draw up benefit rules ? I can't believe this is the case and that there must be national standards.

 

As this was a Labour council in Tom Watsons areas, I do hope this is raised with Ed Miliband. It is embarrasing for Labour, as any analysis would have seen that it would cause problems. The local press are saying that Labour have become right wing.

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Nasty very nasty, it also exposes the holes in the governments arguments that there is a sufficient and robust provision to alleviate hardship. Lord Fraud must be chuckling as he quaffs his wine., whilst IDS rubs hus hands together like gleeful Shylock.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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But... UC is a fantasy due to be scrapped any minute whoever wins the next election so we don't need to worry about it. Move along now,move along - nothing to see here!

 

Whichever party wins the election I would bet money that they would not touch the dreaded Universal Credit or any other of the 'benefit schemes'. Other parties may well give sound bites about changes in their blurb to electors but whether they actually INTRODUCE the changes is a wholly different matter altogether.

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Whichever party wins the election I would bet money that they would not touch the dreaded Universal Credit or any other of the 'benefit schemes'. Other parties may well give sound bites about changes in their blurb to electors but whether they actually INTRODUCE the changes is a wholly different matter altogether.

Whoever wins, they will bring them in, and blame the Tories if it is Labour, saying it is too expensive to unravel the whole shebang, yada yada yada.

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Whoever wins, they will bring them in, and blame the Tories if it is Labour, saying it is too expensive to unravel the whole shebang, yada yada yada.

 

I agree with you. I am not happy to read the SCOOP article either about two councillors who failed to pay their council tax and where they cannot be named as this would 'cause them distress'. Bless.

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I agree with you. I am not happy to read the SCOOP article either about two councillors who failed to pay their council tax and where they cannot be named as this would 'cause them distress'. Bless.

 

Name and Shame, just because they are councillors, they are no different to anyone else, hope the bailiffs call on them, well sauce for the goose.....

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