Jump to content


  • Tweets

  • Posts

    • 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
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

Bicester1 vs Barclaycard


Bicester1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6193 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Well here we go! Joined the forum yesterday am. SAR sent to Barclaycard yesterday pm. Game on!

 

Bicester 1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

Thanks Yasmin I will!

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

  • 2 months later...

Been busy with the day job and have won against MBNA !

 

Finally got Barclaycard moicrofiche two weeks ago. Sent prelim 7 days ago. Holding reply received this morning saying "we are sorry balah blah blah we will get back to you by the 20th Feb."

 

I don't think so!

 

LBA goes in 7 days and counting!

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

  • 2 weeks later...

Well offer received by return of difference between my claim and the OFT £12.

 

Wriiten back rejecting and LBA sent!

 

bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

  • 3 weeks later...

Hi

 

Barclaycard adamant that no further offer will be made so MCOL issued for charges and contractual interest.

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

Hi

 

Barclaycard adamant that no further offer will be made so MCOL issued for charges and contractual interest.

 

Bicester1

 

Next you will receive the allocation questionare and then you will have to start getting your bundle ready for court. It is a good idea to start reading up on what information you need and start your photocopying X 3 of your statements etc as this takes up loads of time. I found the Statement of Evidence a tricky one as when you type it out you have to in places put your info in there, it is not straightforward. Start giving it some thought.

All the best

DS

Link to post
Share on other sites

Hi

 

Thanks DS thought I might start this week!

 

Keep us informed how you get on. Barclays seem more obstructive than most!

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

Hi Bicester

I used the Statement of evidence from the link below. Have a look at it there are 2 versions and I think that the first version is suitable for you.

I retyped it and carefully included what was needed for my own claim. I also headed it up with the Claim Ref and my name on it.

 

statement of evidance

 

DS

  • Haha 1
Link to post
Share on other sites

Hi

 

Thanks very much very helpful link

 

Regards

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

Hi

 

Acknowledgment of service from BC stating that they intend to defend.

 

We shall see!

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

Hi

 

Acknowledgment of service from BC stating that they intend to defend.

 

We shall see!

 

Bicester1

Hi Bicester,

Just returned from a short break in sunny Marbella, come back to rain just a few minutes ago. Yes BC do defend and they will take it to just before a court date.... from other threads that I have read.

My court date is on the same day with BC and GM so will be taking a packed lunch.

I had another letter on a without predjudice basis from GM Card Solicitors they maintain they will only pay S69 8% unless I can come up with relevant legislation. I will post on my own thread tomorrow evening once I have been to work. If I accept their offer I am short of £200+ on my claim, so I will not do this.

I think that I will write back to them asking them again for a complete breakdown of their clients charges and how many cases have they actually gone into court with and won! and how many cases they have settled without going to court.

Regards

DS

Link to post
Share on other sites

  • 3 weeks later...

Hi DS

 

Have been away so absent from forum!

 

How's things?

 

Barclaycard have got three days left to file their defence. Nothing from them as yet.

 

I gather that they usually apply for any judgment in default to be set aside but I think I might object to that on the grounds of a cynical abuse of process by the bank!

 

Does anyone think its worth me phoning them to see if they want to settle or shall I just leave them ?

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

  • 4 weeks later...

Hi Bicester

I noticed on one of my threads you were asking me for a template of the letter which Garyh advised that I sent to the courts. I hope that helps you with your quest against Barclaycard.

I await hearing from you with your progress.

DS

 

District Judge ******

C/O The Court Manager

****** County Court

Court Address

Postcode

 

[date]

 

Dear Sir/Madam,

 

[You] -v- The Bank Plc

Claim No:********

 

I, the Claimant, refer to the claim as detailed above and specifically the order made by district judge ***** dated [date]. Please find enclosed a copy of the order to which I refer.

 

I wish to inform the court that the Defendant has not complied with the order in that it has not served upon me its evidence, or any such documents, as was specifically directed.

 

I can confirm that my documents were both filed and served pursuant to the terms of the order on [date].

 

It is submitted that the Defendants non-compliance creates a significant imbalance between the parties in light of the forthcoming hearing, which I believe to be contrary to the overriding objective. This imbalance is particularly exacerbated by the fact that the Defendant is represented by specialist solicitors, whereas I am a litigant in person.

 

Accordingly, and in view of the terms of the honourable courts previous order, it is respectfully suggested that the court may be minded to make an order pursuant to Rule 3.4(2)© of the Civil Procedure Rules.

 

Yours faithfully

Link to post
Share on other sites

  • 2 weeks later...

Thanks

 

Been away.

 

Have now got a trial date; 31st July for 30 mins at Oxford County Court, before Judge Mathews. Bundle to be sent to all parties by 16th May. What a waste of trees as we all know they won't defend!

 

There was an order that no AQ be submitted so tried a respectful letter to the Court asking if they would order special directions -no luck- but did get small claims track.

 

So down to the bundle this weekend!

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

Hi Bicester

Glad to see you back on CAG - just received this morning my chq from Barclays paying my claim in full + court costs & my costs with them - the trial date is for this comming Monday and in case you have not seen my GM thread thet paid last week, eventually in full. As I had claimed contractual interest on both cases. I am just on the my way to the bank to pay it in.

 

There has been a hearing at the Mercantile Court this week in Leeds and some 77 cases (bank charges) were up before the Judge, Many settled either before coming to court and out of thos who came to court only 4 cases have been re-scheduled to come back in May. It is hoped that those 4 cases will be settled before that if not the Judge has said he will have a Test Case. My conversation with the guy at Barclays who settled my claim said that the Citibank claim was the most likely to be the test case from the Leeds cases.

 

The guy at Barclays said that he would deal with my hubbys claim if he telephones him on Monday on his dedicated line, and settle it as his court date which has just been received is August. It has taken since February when he sent back the AQ till this week to obtain this court date. I told him that it would be good if they settled before he has to prepare his bundles, so if that goes well I will PM you with the details to try and get your claim settled sooner, if this is the route you would like to take.

DS

Link to post
Share on other sites

Hi DS

 

Have been out of the country for a while on business so nice to be back!

 

Thanks for the update. Many congrats on the wins. Well done! Contractual too - very nice! Was that Barclaycard or Bank?

 

I have got two court dates in July one against Barclaycard and one against the Nat West Bank who as you might have seen have settled my cc charges but will not settle my bank charges!

 

Guess I might write again and give them one last chance!

 

Best wishes

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

Hi DS

 

Have been out of the country for a while on business so nice to be back!

 

Thanks for the update. Many congrats on the wins. Well done! Contractual too - very nice! Was that Barclaycard or Bank?

 

I have got two court dates in July one against Barclaycard and one against the Nat West Bank who as you might have seen have settled my cc charges but will not settle my bank charges!

 

Guess I might write again and give them one last chance!

 

Best wishes

 

Bicester1

Hi Bicester

It was Barclaycard and of course GM (HSBC Bank)

As I said to you I now have a good contact at Barclays Litigation, so if you need the direct telephone no and contact details just shout and I will PM you. My hubby will call him tomoz and if he settles as he said he would he could do the same for you - why not and why wait until the court dates.

Good Luck

DS

Link to post
Share on other sites

Hi Bicester

It was Barclaycard and of course GM (HSBC Bank)

As I said to you I now have a good contact at Barclays Litigation, so if you need the direct telephone no and contact details just shout and I will PM you. My hubby will call him tomoz and if he settles as he said he would he could do the same for you - why not and why wait until the court dates.

Good Luck

DS

 

Hi, my case is scheduled for a small claims hearing on 3 May. I wanted to know if you could send me the direct number and i could contact the guy you were in contact with? Thanks.

Link to post
Share on other sites

Hi DS

 

Yes please!!!

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

Hi

 

Called Barclay's litigation department yesterday. Talked to very helpful lawyer - definite impression they want to settle and said they will send me an offer to settle before Court. Lets see !

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

Hi Bicester, did you speak to the nice young man that helped me!!

he told my hubby that he is leaving the Litigation Dept in the next couple of weeks, but said he would help him get his claim paid before he leaves.

Don't forget to tell him No to confidentiality clause and ask for a cheque instead of it going back into your account and then withdrawing some of your limit.

Please let us know.

All the best

DS

Link to post
Share on other sites

Hi

 

Yes I did but he was not dealing with my claim and put me on to a colleague who was also helpful. There seems to be a change at Barclays

 

Bicester1

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...