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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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    • 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
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DLC after old WElcome Finance DEbt **FOS COMPO + DEBT CLOSED**


MONTY
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A SAR goes to the original creditor not a DCA as they rarely have the required info.

 

You will now need to SAR the Original Creditor and pay the fee again

 

This does not seem correct

"Additionally, the DN figure quoted is approximately £1,000 less than that currently being claimed.

 

The debt collection company claim they purchased the debt at the higher amount and therefore this is the amount they are entitled to claim.

 

They are contacting the original lender to explain why there is a discrepancy between the two figures.

The debt collection company maintain that they have satisfied my SARlink3.gif and that all disputes are resolved."

 

Who is the current DCA and what is the nature of the debt, can you please give us more history to this please

 

Also since there is a discrepancy you need to dispute this and the account should go on hold again.

 

 

Then see what the correct SAR brings back ok?

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It is better to keep the thread in the forum, as other posters will not see what is discussed in a PM

 

The information that really is needed is when, what and last payment/acknowledgement

I.e. CC/loan bank in 2006 last payment in 2009 just basics really but what is needed to advise better ok

 

Since there is an investigation this account should be on hold by the DCA until such a time as it is concluded in full..

 

But still sent off the SAR to the OC please, sending one to a DCA is a waste of money as in this case.

 

Did you have any fees applied to this debt? or is there any PPI involved?

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I have put a request to the site team to look in on this post for you as well, I hope this is ok and you will get great advice as well.

 

In response to your PM you need to delete items from your inbox as it is full

 

 

MM

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Thank you for updating your post with the information it will allow us to advise you better.

 

 

You may wish to consider posting up the CCA and your DF with pers removed and in a PDF format

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Since you have posted this extra info it appears from this that you can now dispute the amount that they claim you owe, put in a formal complaint to the DCA this will put the account on hold, they can take up to 56 days to respond to you.

 

 

Next if the answer is not forth coming or not completed by this time escalate it to an Official complaint. Again the same rules apply

 

 

You may also want to start to read the FCA handbook especially CONC 7/8/13 from here http://fshandbook.info/FS/html/FCA/CONC/13

 

 

Further more stay off of the phone and do everything in writing keep all letters and proofs of postage/delivery if you send a statutory fee to the DCA/Creditor make sure you tell them that it is for the fee and no other purpose.

 

 

The SAR goes to the original creditor £10 fee 40 days to comply.A CCA request goes to the DCA fee £1-00 12+2 days to comply

 

 

This advice is correct "I submitted another SAR to the current DCA in October 2014. They have responded but not with all the documents I have requested. In response I have asked for the provision of all documents listed in my post of 11:32 29.11.2014. They maintain they are only responsible for providing documents and information they hold and recommend I request the same from the original lender (contradicts ICO )

 

A DCA will only have limited info anyway so was a waste but moving on now

 

 

 

Now you need to SAR the OC

 

 

Finally have you been getting statements of account each year from your creditor/DCA?

 

 

A final though if you own your current property the DCA "MAY" try to get a SD against you do not ignore this letter if you get one please post up for further advice as it will be time limited for you to defend

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Ok thx to dx100uk for this guide follow these simple steps below to post a PDF to your post

 

 

HOW TO uploadlink3.gif DOCUMENTS / IMAGES ON CAGi

IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAGlink31.gif

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

- Don't forget you can use a mobile phone or a digital camera too!!

.

- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

.

2. HOW TO EDIT (Remove Personal Information)

.

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

.

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

.

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

.

OR Go to one of the many free online pdf converter websites:

.

- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

.

4. BEFORE UPLOADING YOUR DOCUMENT ON CAGlink31.gif

.

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

.

- For Example: Default Notice DD-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

.

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

.

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

.

- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

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Following protocol a formal complaint then an official complaint these go to who is dealing with your debt at this time, you will also need to find out who owns this debt and if it is still with the OC or if the DCA now owns this debt. A formal complaint should put the account on hold for up to 56 days, then they will inform you of their "investigations" if the info you get is not complete then write again to make it an official complaint the same time frame applies.

 

 

I would also check your credit file and save an up to date print out of it. This will show you what info is on there and who owns what debts if any.

 

 

You can sign up for a free 30 day trial for most but Noddle is free, here https://www.noddle.co.uk/ you will need to put in your addresses so you can get a fuller picture of how your rating is now. But you must cancel the free trial before it ends, or pay a fee of £2-00 to get one in the post, it is up to you what you use, butr you will need all the info that it contains

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Look how much info and control you are now getting I bet you thought you would never be able to take on the fleecers Monty so keep the pressure up and see what happens next....

 

 

They now have up to 56 days to deal with this complaint then they must send you their results, if they cannot sort the complaint out they must then send you a final resolution letter, stating what options you can take next

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Also if they put this quote in writing you need to keep it very safe

 

 

"DCAlink3.gif's argument:"

 

'With regards to any disputes on the account,

we hold separate records for you and Mrs

… it may have been the case, as in your most letter, as you state the account reference ........

 

.... only; we took this as the account was being disputed by yourself only.

 

Your recent letter contains both names and as a result we have noted our records confirming that both parties are disputing the account'.

 

Because this is a joint credit agreement then you/both can make the complaints but the DCA Must deal with you as a "Joint"

so demand they address this issue as well, but at a later stage, in as much as let them complete

1 complaint at a time then move on to the next till they get it right keep all letters from the DCA

as like this one they will be very handy and needed for for future reference please try to use the following

 

 

I/we when dealing with this joint debt then put both of your names at the end of the letter from now on ok

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Hi Monty just a quickie was the life care compulsory at time of signing as welcome tended to do this even if you did not want it? this was loaded very high

 

 

Page 2 first 2 boxes how many fees in total were added during the agreement?

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What the heck was this quote added for?

"You have no right to cancel this agreement under the Consumer Credit Act 1974, The Timeshare Act 1992 or the Financial Services (Distance Marketing) Regulations 2004."

 

Will this mean it was an unfair contract as you did not have any recourse to cancel even after a very short time?

 

Then just underneath it this quote

"If you exercise your right to settle this agreement early you may expect to pay, if you settle: After a quarter of the term has elapsed After half of the term has elapsed After three quarters of the term has elapsed"

 

This is a conflict within the contract and contradicts its self. Maybe some else will comment on this one very strange.

 

 

Also did they sell you the "GAP" insurance as well can you verify this please

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  • 1 month later...

Can you list the documents you received in your SAR from WF?

 

 

If DLC get pushy then tell them you are still waiting for the rest of the documents from WF then wait! if the dispute has not been sorted or DLC send you a final resolution letter then just sit tight till they do.

 

 

If and when they do, post up their reply for further advice.

 

 

MM

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Ok lets recap

 

 

The nature of your complaint is

 

  1. You received a non-compliant DF
  2. You received a non-compliant CCA
  3. WF have refused your SAR due to WF being unable to verify your identity
  4. DLC are getting pushy
  5. You provided copies of documents as to your identity to WF
  6. WF refuse to accept these documents for your SAR
  7. There is a discrepancy between the DF and what DLC are claiming
  8. This has been running for some time
  9. If the CCA request has not been complied with then tuff on WF/DLC you could send the letter in the library
  10. Did you keep copies of these original requests? this is a must
  11. Did you use the template letter form the CAG library for either the CCA/SAR?

 

 

Your options are

 

  1. Do nothing and get passed around and start again with a new DCA as it has done so far
  2. Play letter tennis (is it worth it)
  3. If 2 then you can will need to keep ALL letters in/out to provide for a defence at Court this will help you
  4. Optional a letter to DLA explaining that you have had a non-compliant DF/CCA/SAR and account still in dispute. DLC's fault for buying a lemon debt
  5. Wait to be taken to Court then provide all of the letters and defend, it would have gone to Court already if the debt was enforceable

 

 

When I send a SAR I add a signature strip see attachment never had any issues

 

 

Did you keep the letter from WF saying they can not confirm your identity?

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Monty

 

 

For posting clarity can you provide a timeline for this please include what when where in one post

 

 

I think it will help you along list letters in/out all parties

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