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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  
  • Our picks

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

      Many thanks 
        • 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

Maybox V. NatWest **WON**


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Been lurking here and finding this site an excellent resource!

 

I'm now up to the stage of submitting my claim using MCOL. I'm a bit confused however about the schedule of charges I send to NatWest following my MCOL submission (as thanks to the template on this site it states that despite already including a schedule of charges in all my previous letters I will do so again) - do I NOW include the S.69 interest in this schedule of charges?

 

Sorry if this has already been asked hundreds of times :)

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Yes you do. When filling in the form at MCOL you should be prompted about this and be told what to write on the claim!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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^^^ Thanks - but that's not what I meant....

 

In filling out the form I state I will be sending Natwest another schedule of charges. In this schedule of charges do I include s.69 interest for each item?

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Sorry, I read so much of this site I don't know whether I'm coming or going.

 

In answer to your question, yes you now send the schedule which includes the 8%.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Too right!!!! :lol: :lol: :lol:

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Thought I'd let you know about my making NatWest my not very nice lady.

 

Call to Natwest requesting statements: 13/09/2006

arrived nicely packaged: 20/09/2006 - I've never been charged £5 for this.... :-)

 

 

First Letter sent: 29/09/2006

 

Mr Higley replies stating he believes it's fair and transparent to take money from me and that credit cards are not the same as bank accounts blah blah blah: 03/10/2006 :lol:

 

LBA: 05/10/2006 :grin:

 

Mr Higley states he is sorry he cannot provide me with any more information as to why he doesn't want to be my not very nice lady: 10/10/2006 :lol:

 

Write to Natwest telling them they have 14 days to reflect on their decision to refuse refund before I proceed with a claim via the courts: 12/10/2006

 

Mr Higley writes back with identical letter explaining he is sorry he cannot provide anymore information: 18/10/2006. :lol:

 

26/10/2006: Filed MCOL online....

 

the fight begins....;-)

 

 

 

 

edited by Moderator: Please refrain from inappropriate language which may be construed as libelous on this site. Thankyou.

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edited by Moderator: Please refrain from inappropriate language which may be construed as libelous on this site. Thankyou.

 

Sorry! As we all know, relationships with not very nice ladies (or gents) can provoke emotional outbursts in all of us...

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Filed my MCOL today...........

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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Received standard letter from the court saying NatWest have until the 15th Nov to acknowledge court claim.

 

My claim is under £500 - what can I typically expect from Natwest at this point? I see from most peoples claims they bring it right up the AQ stage, but most peoples claims are significantly higher than mine!

 

I and Natwest both know it's simply not worth them taking the matter further re: legal costs. I think if they do I shall really have to consider if Natwest are capable of good fiscal planning and thus if I should even bother keeping my account with them ;)

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Guest Scarletrose

Hi good luck i just dont understand why they hang it out so long it ends up costing them more money, i appreciate that they do it as a scare tactic but if they just coughed up the original claim they would save themselves time and money and all of us would be a lot happier, by now they must realise about this site and that people know their rights and arent going to give up so easily.

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I received my claim acknowledgement from the court today. On the address for which documents must be sent i.e. the defendent, it gives 'group litigation' under a City of London address. I was under the impression that I'd get Cobbetts like everyonne else? However my claim is under £500 so maybe they've seen sense to defend it in house.

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You will get the usual cpr part 18 from them so try not to worry who acknowledges the claim

 

thanks for replying so prompt! I'm not particularly worried about my claim or who acknowledges it - though I would find it encouraging in terms of time to me receiving all my money back if NatWest wanted to defend it inhouse themselves....

 

role on the cpr part 18, I'm simply gagging to tell them I don't have to fill it.

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NatWest use Cobbetts solicitors for the litigation side. We do have in house ppl in the litigation department but these are mainly for issues in relation to mandates and the easy things. Cobbetts do the court stuff.

The CPR part 18 is stickied in the NW forum which does not apply to your claim so while the process is ongoing have a good read of it and a few threads that are just past yours. Be positive it is YOUR money

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So am I the only person not to get a CPR 18 then......? LOL!

 

(sorry for hi-jack)

 

Go for it I have seen a couple of peoples cases that have the Group Litigation instead of Cobbetts and it is the same.

Ex CAG helper ^_^

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Guest Scarletrose

i really hope you get your money cheddar because you are always on hand to give advice to others whilst still dealing with your own claim i only wish i was able to help you too.

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I was acknowledged by the RBS in-house legal group as well. A friend who I issued for on the same day is being dealt with by Cobbetts.

 

The Defence was due on my case on Monday, and as I hadn't received anything on Tuesday lunchtime I rang the solicitor handling the case, asking whether they were going to file a substantive defence or should I just go ahead and enter judgment by default (mainly because I couldn't be bothered to (a) walk down to the court and (b) go through the whole "set aside" procedure). She asked whether my case was under or over £1,000 (it's just under). She got the file and apologised, saying my file must have been overlooked and said a cheque in settlement would be with me by the end of the week (i.e. tomorrow).

 

The only difference between my claim and my friend's was the value - mine was just under £1k and his was about £4.5 k.

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I'VE WON!!!!!

 

7 Days after MCOL was acknowledged, the RBS litigation sent me cheque for everything on the condition I waive my right to tell people about my claim - I THINK NOT!!!

 

Thanks to everyone behind this site - been a great help. Point me to where I add a donation and I'll throw you 5% of my claim (which isn't that much - probably why I got it so soon!).

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Guest Scarletrose

congratulations!!!!! another victory against Natwest, as regards to condition to waive my to tell people about my claim will u send them a letter stating this or is it one that u have to sign and return with that part scribbled out. i haven't got this far and i'm curious to know what happens under these circumstances.

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There was no form. Just a cheque and a letter. I've written them a reply saying I've accepted the cheque, I retain my right to tell who I like about the case (they can't make you not tell anyone - it's MY money and I'll shout from the roof tops that I got back from them if I feel like doing so!!) and that I will advise the court to stop proceedings once the money has cleared into my account.

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Well done maybox, thoroughly deserved!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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