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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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Brown attacks PM for trying to crack down on voting rights of Scottish MPs.


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This bloke was rubbish as a Prime Minister, and now he is telling the rest of us what to do.

 

He has hit out at David Cameron and accused him of being ‘unstatesmanlike’ in attempting to stop

Scottish MPs voting at Westminster, on only English issues, but he is happy with the extra powers

Scotland will receive to make their own laws without hindrance from the Parliament at Westminster.

(English MPs will not be able to vote on laws in Scotland that do not affect the rest of the

UK).

The former Prime Minister said the move could drive a ‘wedge’ between England and Scotland.

(I thought Salmonde and the referendum had already done that?) He says the Tory plan for

‘English votes for English laws’ would turn the Scots into second-class citizens because their Westminster

MPs would be downgraded. (you could say the same about Scottish MPs voting on Scottish only

laws as downgrading the rest of the UK MPs, what is good for one is good for another).

 

The three Westminster leaders promised to devolve more power to the Scottish parliament.

 

This anomaly whereby Scottish MPs can vote on English matters but English MPs have little or no say north

of the border is wrong. Brown criticised this approach. He said I fear for the health and unity of our country,

(make of that what you will, it just makes me laugh words are cheap).

He said Mr Cameron made an unstatesmanlike error when, he tried to rewrite his vow with a proposal for

restricting the rights of Scottish MPs to vote at Westminster’. (He wants his cake and eat it).

He adds: the morning after the referendum, allegations of foul play, broken promises and bad faith began,

with a wedge being driven between Scotland and England.

 

(I am still of the opinion that it would have been better for us all if they had got their independence,

this cr*p is going to carry on until they do).

 

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I think maybe "This bloke was rubbish as a Prime Minister" is a bit of an understatement, I think probably the worse this country has ever had. He was certainly the most evasive liar ever to sit in parliament.

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Gordon was one of the best chancellors we have ever had and showed excellent leadership in stopping the collapse of the world banking system.

 

Westminster is a UK parliament and all MP's can vote on divisions that are called. It is only currently possible to restrict who can vote/take part in committee stages. England as the biggest part of the UK does have a major affect on other parts of the UK. So it can be argued that Scottish, Welsh and N.Irish MP's should have a say on some English legislation.

 

We are heading towards having seperate national parliaments and a federal parliament at Westminster. It is also possible for England to have regional government. But no doubt the political parties will use this to gain extra paid politicians and to serve their own political interests.

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Gordon was one of the best chancellors we have ever had and showed excellent leadership in stopping the collapse of the world banking system.

 

Westminster is a UK parliament and all MP's can vote on divisions that are called. It is only currently possible to restrict who can vote/take part in committee stages. England as the biggest part of the UK does have a major affect on other parts of the UK. So it can be argued that Scottish, Welsh and N.Irish MP's should have a say on some English legislation.

 

We are heading towards having seperate national parliaments and a federal parliament at Westminster. It is also possible for England to have regional government. But no doubt the political parties will use this to gain extra paid politicians and to serve their own political interests.

 

 

 

Mc Broon was a total failure at everything he did and said!

 

 

Apparently he rarely shows up the House and does the square root of naff all for his constituency so who votes where and on what should not concern him.

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Mr (no more boom and bust) Broon was the worse chancellor any country could ever have had, remember he brought this country to it's knees, he practically bankrupted us, he made Wonga look really good and fair.

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Mc Broon was a total failure at everything he did and said!

 

 

Apparently he rarely shows up the House and does the square root of naff all for his constituency so who votes where and on what should not concern him.

 

You cannot dispute that when Gordon led the G20, he was seen by quite a lot people as central to stopping a total collapse of the worlds financial system. In 100 years time, the history books will comment on his role and there will be very little mentioned about Cameron/Osborne.

 

http://www.spiegel.de/international/europe/political-bailout-gordon-brown-saves-the-banks-and-himself-a-584124.html

 

Perhaps Gordon was in the right place at the right time. If it had been left to Obama or Sarkosy, I am not sure what would have happened. Osborne was suggesting in 2008 that Gordon should have allowed some UK banks to collapse and I would question what this would have led to.

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He was the leader of the world collapse, how can you say that he saved the world ?

 

The seeds of the world collapse started in about 1987. For about 20 years banks changed from being sober financial organisations to being partly casino banks, where they issued loads of lines of credit and gambled money. Both Labour and Tories turned a blind eye to what was going on, enjoying the tax revenues coming in, while doing very little to regulate.

 

I personally believe that what the banks were doing is criminal and I know that in the US, some have been jailed. There have also been problems with some of the bankers in London, who have been involved in criminality without too much action. UK banks based in the US have faced paying hundreds of millions in fines.

 

This was a massive failure of the banking industry and politicians for over 20 years. If you are going to blame Gordon Brown, you might as well blame all politicians in power in western countries between about 1987 and 2007.

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I can't blame anyone but Brown, he oversaw the collapse, he 'insisted' there would be no more bust, in fact he insisted practically ever PM questions. He just borrowed more and more and introduced more giveaways, things this country has never been able to afford.

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No more boom and bust was a stupid thing to say. I am sure he must regret saying this. It is not possible for a UK government party to control what is going on in the city of London, let alone have any slight control over what happens around the world. If you watched the recent BBC programme on financial traders, you will have seen how people make quick decisions on gambling with millions of pounds worth of money. It is probable that another financial collapse will happen in the next 20 years, which the government and regulators won't see coming.

 

Labour and Tories spending plans are not that different. The Tories have just announced £7 billion worth of tax cuts, for which they have not worked out how they can afford it. Meanwhile they have promised to spend more on the NHS and are committed to overseas aid spending of 0.7% of GDP. By 2018 the UK's national debt will amount to £1500 billion and will probably still be increasing, as it unlikely the deficit will be reduced to zero by 2018.

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The deficit problem is mainly down to benefits. They have been increased and increased and new ones introduced plus no limit on housing benefit. It was never designed to be like this, it was to keep people alive, especially the widows with children of WW2, but now people expect a full living wage from benefits, enough for luxuries. No one seems to want to cut their cloth according to their means any longer.

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The deficit problem is mainly down to benefits. They have been increased and increased and new ones introduced plus no limit on housing benefit. It was never designed to be like this, it was to keep people alive, especially the widows with children of WW2, but now people expect a full living wage from benefits, enough for luxuries. No one seems to want to cut their cloth according to their means any longer.

 

Lets not forget the problems of tax evasion and fraud. They don't need to cut their cloth according to their means, but are so greedy that they want to keep as much as possible for themselves, rather than contribute to support their country's economy.

 

http://www.cas.org.uk/features/myth-busting-real-figures-benefit-fraud

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

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If only we had a perfect world to live in ! A world where nobody had any reason to complain, where we loved our politicians and could live a peaceful life without any hassle from anyone.

 

If this was the case, we would not need to have CAG and could replace it with a hippie site where we would spread our love for the world.

 

In the meantime perhaps a neutral perspective on these issues. It is easy trying to blame one person for the worlds problems, but actually we are all to blame. We let banks politicians etc get away with dubious stuff and just moan about it. In most recent elections 30% of peope don't even bother to go out to vote.

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Gordon Brown was a disaster for this country !!

 

he sold off our gold reserves for next to nothing, he hired an extra 750,000 public sector workers that were jobs for the boys, and he opened the borders to let everyone in

the last 2 he did to create millions of greatful labour voters that would keep him in power for a generation

 

in the end, he was so bad, that even they couldn't vote for him

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I post the link again as not responding for me and maybe others in that format

 

http://www.cas.org.uk/features/myth-busting-real-figures-benefit-fraud

 

Thanks termi.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

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I pray to God, I find it helps me:-D

 

I pray to those people who pray to God, I find it helps me. Provided it is the right God of course ! :|

 

For those that are interested in economics, debt etc, have a look at the world debt clock ( which you may have seen before).

 

http://www.nationaldebtclocks.org/

 

UK debt is about £21k per person in the UK.

US debt is about £35k per person in the US.

Japanese debt works out at about £49k per person in Japan.

 

Another thing to be aware of is that most UK government debt ( about 70%) is owned by UK government BoE), UK Insurance companies etc. Only 30% of it, is actually foreign owned. So most of the interest that the UK government is paying on the nations debt, is coming back to the UK, over a period of time. So don't believe the really bad picture that is spun on UK debt, as other countries are in a far worse situation. Yes we need to make cuts to government spending and make sure tax is properly collected, but the UK is able to deal with the situation.

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Gordon Brown was a disaster for this country !!

 

he sold off our gold reserves for next to nothing,

 

, and he opened the borders to let everyone in

 

Simply untrue.

 

The sale of gold by Brown raised about £7 billion, hardly next to nothing.

 

Also, reserves of bars of gold earns no interest, they just sit in a vault. Brown turned this into cash to invest for public services, a perfectly practical thing to do.

 

I would suggest that what Gordon sold off hardly compares to what assets Thatcher sold during her time and for which huge amount of the British public now struggle to pay to foreign owners.

 

Oh, and open borders are a consequence of being in the EU, not a policy adopted by Brown.

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He was the leader of the world collapse, how can you say that he saved the world ?

 

Gordon Brown even convinced that great capitalist nation, the USofA, to embrace that pillar of socialism, nationalisation, in order to save their, and thus the world's, economy. A totally unthinkable thing to happen before the crash.

 

And it worked.

 

No mean feat.

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The former Prime Minister said the move could drive a ‘wedge’ between England and Scotland.

He says the Tory plan for

‘English votes for English laws’ would turn the Scots into second-class citizens because their Westminster

MPs would be downgraded. (you could say the same about Scottish MPs voting on Scottish only

laws as downgrading the rest of the UK MPs, what is good for one is good for another).

 

It's hardly Brown's fault that England are constitutionally not allowed a parliament, or, English only issues for English only mps.

 

He's absolutely 100% accurate on this issue.

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I think maybe "This bloke was rubbish as a Prime Minister" is a bit of an understatement, I think probably the worse this country has ever had. He was certainly the most evasive liar ever to sit in parliament.

 

No way, Thatcher was the worst by a country mile. And John Major was just useless.

 

I also think Cameron's tenure will be seen as a flop too when in 7 months time we are rid of him and his toffs.

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Simply untrue.

 

The sale of gold by Brown raised about £7 billion, hardly next to nothing.

 

Also, reserves of bars of gold earns no interest, they just sit in a vault. Brown turned this into cash to invest for public services, a perfectly practical thing to do.

 

I would suggest that what Gordon sold off hardly compares to what assets Thatcher sold during her time and for which huge amount of the British public now struggle to pay to foreign owners.

 

Oh, and open borders are a consequence of being in the EU, not a policy adopted by Brown.

 

Agree about the sale of BoE gold. To add Brown was advised to sell some of the gold assets and to instead invest in foreign currencies. Some of these currencies bought increased in value, but not quite as much as gold. Brown did not wake up one morning and think ' today is a good day to sell some gold'. This was something being discussed between BoE and Treasury officials over a period of time. Brown just agreed to the recommendations that were put to him. Of course if Brown knew that gold would increase in value so much years later, he would not have sold it.

 

Selling off state assets by the Thatcher government was done so they could earn money to spend, without raising taxes. Of course Thatcher knew that these companies would want to make a profit and invest in infrastructure so prices would rise. She just hoped that competition would help keep price increases down. Thatcher enjoyed most of the North Sea oil/gas revenues and most of the privitisation money, yet the countries public services like the NHS and schools were in a right mess. The UK is still dealing with the legacy of the Thatcher era.

 

Again on issues regarding the EU, the Tories have signed up to more treaties giving powers to the EU than Labour have ever done. Under the Blair/Brown period various opt outs were agreed and we did not even consider the EURO. It is true that Labour agreed to pay additional amounts to help with enlargement, but the Tories also agreed with EU enlargement, so would have also paid an additional amount. What the Tories did not like was that it was Thatchers rebate that was reduced and not just an extra amount paid in.

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Selling off a trainset is a bit different from selling the nations security. If you want a holiday what do you do, sell, your car or your house.

 

 

All countries have gold as security but Brown was too thick and too greedy. Don't put blame on the BoE, that wasn't independent then, Brown took it over so anything the BoE done can be put down as Brown doing.

 

 

He ordered ships for the RN, aircraft carriers, not one but two. We have neither the manpower nor the aircraft to crew one, but not only that, he signed a contract that was impossible to get out of. So now we have on ac sitting alongside a wall and the other will be rusting in a yard somewhere unless it can be sold off.

 

 

You will never win arguing on his behalf, for every one thing you can come up with, others can come up with a dozen to counter.

 

 

As regards Eu treaties, I don't know if they have signed up to any as there is no mention of the ones supposedly been signed up to, but if they have, they didn't welch on a promised referendum to do so, Brown did.

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