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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.

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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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Work trying to get rid of me after knee op. *Settled Out Of Tribunal*


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Im currently being treated through the NHS for a meniscus repair . So far I've had 2 operations, steroid injections,gel injections and hours of physio. Luckily, I have a protected payments scheme through my employer which means, now the sick pay has ran out, I get a substance payment through the pension scheme.

Im currently looking at a termination due to sick time off. I'm caught in a catch 22, the NHS wont sign me off till the knee stops swelling, my employer wont allow me back till I'm 100%. There's no other jobs to be had which can accommodate me and I will only be able to do my old role which is 12 hour shifts, stood all shift.

Ive spoken with my Union and my rep said she deals wit this all the time, people lose their jobs through the NHS and long waiting lists.

I'm just wondering if this is factually correct ,as I have a full time position, an exemplary sick record prior to this and through no fault of my own I'm looking at being on the dole with a dodgy knee. I feel panicked as I cannot plan for my future due to everyone else making decisions for me beyond my control.

Is it just a case of 'tough' or am I being given bad information. No termination process h

as begun, but my rep has stated 'they'll be looking to get rid of you ,if they haven't written you off already, due to your sick record'

I feel completely helpless and broke :|

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How long have you had the job

Does your condition fall under the Equalities Act, has the condition a capacity to stop you from normal day to day functions in the future

How big is your employer staff wise

Can you be Relocated into other roles with your condition if applicable

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Im currently being treated through the NHS for a meniscus repair . So far I've had 2 operations, steroid injections,gel injections and hours of physio. Luckily, I have a protected payments scheme through my employer which means, now the sick pay has ran out, I get a substance payment through the pension scheme.

Im currently looking at a termination due to sick time off. I'm caught in a catch 22, the NHS wont sign me off till the knee stops swelling, my employer wont allow me back till I'm 100%. There's no other jobs to be had which can accommodate me and I will only be able to do my old role which is 12 hour shifts, stood all shift.

Ive spoken with my Union and my rep said she deals wit this all the time, people lose their jobs through the NHS and long waiting lists.

I'm just wondering if this is factually correct ,as I have a full time position, an exemplary sick record prior to this and through no fault of my own I'm looking at being on the dole with a dodgy knee. I feel panicked as I cannot plan for my future due to everyone else making decisions for me beyond my control.

Is it just a case of 'tough' or am I being given bad information. No termination process h

as begun, but my rep has stated 'they'll be looking to get rid of you ,if they haven't written you off already, due to your sick record'

I feel completely helpless and broke :|

 

(Sorry, posted elsewhere but in wrong forum)

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How long have you had the job

Does your condition fall under the Equalities Act, has the condition a capacity to stop you from normal day to day functions in the future

How big is your employer staff wise

Can you be Relocated into other roles with your condition if applicable

 

Hi capquest worst knightmare and thank you for the reply!

 

My employer is FSTE 100 listed. My impairment shouldn't affect me in the future, its just due to huge NHS delays. I cannot be relocated as the nearest depot would be 100 miles away. I have had cancer whilst with this employer and came back to work too early (according to Occupational health) I had 2 months off for treatment and radio therapy. So I might fall into the disability bracket. Ive been with the employer 5 years, currently 18 months off with knee.

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I'm an analyst, so its monitoring production on a line. No seating available due to regulations. I notified the employer when I began that my knee had issues and was awaiting treatment 3 years prior to being worked on. Im just at a loss as to how I can be left unemployed and I've done nothing wrong :(

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You are coverd under the Equality Act and have protected characteristics due to your cancer treatment, even if in remission. Your employer will be on dodgy ground due to the staff head count in not being able to offer you a temporary role withing the business until your knee is fixed. They will have to show justification for your dismissal under capability grounds if you are currently at no cost to the business. Your cancer treatment should be discounted as an absence as you are protected, although they can record but not use against you. What is your total absence during the last 12 months as a direct result as to your knee complaint

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I have relocated your thread to the correct employment forum - you were in a media subforum.

 

You do not have to do anything, this was purely an administrative move.

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You mention a trade union, has your union managed an ill health retirment policy with the business. This can be generous, All it shows is that you are not capable of doing your job role at the time of dismissal. That is the worst case scenario and by mutual agreement betwen employer and employee

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Hi,

 

I'm going to be honest and say at 18 months, most employers would seek to dismiss - while it is unfair the NHS are delaying your op, this is not your employers fault either.

 

Things to think about

- how much to go private?

- talk to the pension trustees for guidance on normal procedure.

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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Hi,

 

I'm going to be honest and say at 18 months, most employers would seek to dismiss - while it is unfair the NHS are delaying your op, this is not your employers fault either.

 

Things to think about

- how much to go private?

- talk to the pension trustees for guidance on normal procedure.

 

As I can understand your point, it doesnt help my situation . Im financially broke, as you can imagine, so private isn't an option. Im now looking at dismissal due to sick time. Ive not benefited from this at all,so its not my fault either. My work record was outstanding up till his point, Im now going to be looking at a severe reduction in my prospects for following NHS recommendations on repair/recovery.

 

You mention a trade union, has your union managed an ill health retirement policy with the business. This can be generous, All it shows is that you are not capable of doing your job role at the time of dismissal. That is the worst case scenario and by mutual agreement between employer and employee

 

Thanks capquest worst knightmare :-)

I may be impaired due to the cancer as I have to take tablets daily to replace the function of the cancerous organ, this hasn't gone too well and leads to fatigue and lethargy. The knee 'should' come back to full use, its been so long, Im now getting hip and lower back pain, which is being sidestepped by the NHS as a 'wait and see' scenario whilst they're prescribing painkillers for it. :(

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As I can understand your point, it doesnt help my situation . Im financially broke, as you can imagine, so private isn't an option. Im now looking at dismissal due to sick time. Ive not benefited from this at all,so its not my fault either. My work record was outstanding up till his point, Im now going to be looking at a severe reduction in my prospects for following NHS recommendations on repair/recovery.(

 

So things to check

- talk to pension trustees about ill health retirement

- find out if your organization has a benevolent fund

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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Hi all,

 

Well running out of options as I've been off work for 18 months and no sign of NHS completing treatment anytime soon. Reading the CAG, I've found I'm accruing holiday pay. I've not been told of this or approached by anyone, so I didn't really know till now.....18 months on.

Can I claim the holiday as a payment? Have I lost the previous years entitlement? I'm seriously running low on funds and I'm looking at swapping the mortgage over to an interest only its that bad. Along with the prospect of being left unemployed, Im really at my wits end.

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Hello there.

 

I think you mentioned on your other thread that you have a union. Are they able to help with this? It sounds as if you've found the forum stikky about this?

 

HB

 

Ah! This just reiterates the points I've already found.

 

I want ed to know if I can claim for all the holiday I've missed or just within the financial year? Will it be as holiday or cash? I'm still employed, will it be viable to make a claim whilst I'm still on the sick?

 

Many thanks 8)

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I guess no one knows on here, so I'll leave this for anyone in my situation, I'm amazed at how little there is to be found on this subject, even thought I'm actually living it.

Well after a days worth of research, I've found unclaimed holiday pay it can be paid up to 2 years prior to first absence. Not sure if it can be claimed whilst still employed (on the sick). I will contact my HR department and let you all know when they have made a decision.

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Holiday only becomes owing in this situation upon your return to work (in which case you are entitled to the holiday itself) or upon termination of employment (where you are entitled to pay in lieu).

 

The only way you can secure pay whilst still on sick leave is by way of a relevant agreement with your employer.

 

Arguably this is limited to a carryover period of 15 months prior to the last leave year - so up to 27 months in total.

 

I suspect the reason you cannot find a definitive answer is that this remains a fast changing and uncertain area of law.

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