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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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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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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Interview under caution-DWP-


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Yes, because you can't make a sweeping generalisation. Because of the different benefits and reasons. You most certainly cannot label a sick person with the same brush as a JSA claimant who refuses to get off their ass and work (this is a minority of JSA claiments)

I label people who refuse get off their ass to work just as deserving as the sick to have the financial support, albeit at a lower rate.

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I label people who refuse get off their ass to work just as deserving as the sick to have the financial support, albeit at a lower rate.

 

Let's not go there.....

Please do not ask me for advice via PM as I will not reply.

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Let's not go there.....

 

Agreed. Let's just drop the speculation about other peoples' motives, eh?

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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Neither can you make a sweeping generalisation about DWP staff! You can't compare someone who works in a call centre with an investigator or a visiting officer. Most of your experience of staff is the call centres.

All I am trying to say is don't demonise us all because some staff are rude & unpleasant.

Just like people on benefit it's a diverse bunch but actually i personally know a lot of staff that go out of their way to help.

Shall we move on now? Have you looked at your figures again?

 

 

Ok, you are right. I cannot label you all the same. And yes, all my experience is with call centre staff, I just find it hard to believe. Never mind.

 

Yes, I have looked at my figures again & taking off underlying entitlement using the HB online calculator. HB would only be £480 (give or take a few £)

 

And Esa would be nearer the £4000 mark. Which I am aware is still over the prosecution limit. And I have gone through everything, and spotted my mistakes.

 

On my phone bill for May '14 I made a phone call to HMRC (on the day my husband started working) the phone call was 42 mins long- after that I made a phone call to DWP, I t wasn't for very long and was at 4:47 and if i remember correctly, I put the phone down as i didn't have time to wait on hold. and then never got round to it after that, Stupid mistake & yes I most certainly should have rang when the money was coming in my account, but something in my brain was telling me I had already told them & it was their problem to sort out. Well, now i am paying for it. I deeply regret it.

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I label people who refuse get off their ass to work just as deserving as the sick to have the financial support, albeit at a lower rate.

 

That is your opinion and you are entitled to it...I'm not arguing with you.

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Neither can you make a sweeping generalisation about DWP staff! You can't compare someone who works in a call centre with an investigator or a visiting officer. Most of your experience of staff is the call centres.

All I am trying to say is don't demonise us all because some staff are rude & unpleasant.

Just like people on benefit it's a diverse bunch but actually i personally know a lot of staff that go out of their way to help.

Shall we move on now? Have you looked at your figures again?

 

I've worked for the DWP and repped clients against the DWP with many hundreds of hours trying to sort out benefit problems for clients.

 

Call centre staff tend to be prickly as they get a whole lot of abuse, attitude and blame. It's not right that client communication suffers as a result, but it's what happens. When I worked for the DWP we answered our own calls for the claims we handled. We could give an answer, sort out a problem and deal with things directly, in my opinion this worked much better.

 

I've dealt with hundreds of DWP staff and most there to help. They have a bad day just like anyone - I've had dWP staff say to me 'sorry I was short with you yesterday, everything was getting on top of me'. I've had a DWP staff member cry on the phone because they were struggling so much. Most want to help. Unfortunately there are so many things tying their hands it is hard to do, and as a result they get frustrated, abused by the public and jaded.

 

My principle has always been - as a DWP decision maker, as a benefit adviser or as a claimant to treat others how I would want to be treated in the same position. It's all we can do, and remember that the voice on the other end of the phone belongs to a person, just like us.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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My principle has always been - as a DWP decision maker, as a benefit adviser or as a claimant to treat others how I would want to be treated in the same position. It's all we can do, and remember that the voice on the other end of the phone belongs to person, just like us.

 

My principal exactly too & its served me well in the 22years I have spent working in benefits.

I do agree with your comments re call centre staff- I'd hate their job!! They take the flak day in day out. No excuse for being rude I know

Please do not ask me for advice via PM as I will not reply.

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Ok, you are right. I cannot label you all the same. And yes, all my experience is with call centre staff, I just find it hard to believe. Never mind.

 

Yes, I have looked at my figures again & taking off underlying entitlement using the HB online calculator. HB would only be £480 (give or take a few £)

 

And Esa would be nearer the £4000 mark. Which I am aware is still over the prosecution limit. And I have gone through everything, and spotted my mistakes.

 

On my phone bill for May '14 I made a phone call to HMRC (on the day my husband started working) the phone call was 42 mins long- after that I made a phone call to DWP, I t wasn't for very long and was at 4:47 and if i remember correctly, I put the phone down as i didn't have time to wait on hold. and then never got round to it after that, Stupid mistake & yes I most certainly should have rang when the money was coming in my account, but something in my brain was telling me I had already told them & it was their problem to sort out. Well, now i am paying for it. I deeply regret it.

 

 

Even 4k doesn't always land you in court. Even if that were to happen, the speed at which you have acted & your obvious remorse will go in your favour when magistrates look at your case. That's IF it happens.

 

You are doing your best to sort it out.. Please don't torture yourself over it and make yourself unwell- it will change nothing. I'm assuming you have never been before the courts before - so even if you did go to court £4k is below the "threshold" for custody.

Please do not ask me for advice via PM as I will not reply.

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My principal exactly too & its served me well in the 22years I have spent working in benefits.

I do agree with your comments re call centre staff- I'd hate their job!! They take the flak day in day out. No excuse for being rude I know

 

It's a job I got out of as soon as the opportunity presented itself. I don't think I was ever rude (I hope not, anyway - I don't remember ever shouting or snapping at a claimant, though I do recall expressing frustration on a few occasions) but eight hours a day spent talking to unhappy people with every reason to be unhappy, in many cases, isn't how most people would choose to spend their time. I think the thing that upsets staff and claimants alike is that very often there isn't that much you can do. CC staff lack training (I was better trained back then than today's staff are, but even then, I lacked any deep understanding of the benefit process) and are under pressure to get the claimant off the phone as quickly as possible, and preferably without having to refer the matter to anyone else. When I got the chance to take a sideways move into processing (in an office much closer to home as well) I jumped at it.

 

None of this is to excuse rude behaviour, which obviously does happen more often than it should. But for the most part, where the DWP fails, the incompetence is systemic rather than individual, and the departmental attitude commonly mistaken for malice is really just sublime institutional indifference.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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It's a job I got out of as soon as the opportunity presented itself. I don't think I was ever rude (I hope not, anyway - I don't remember ever shouting or snapping at a claimant, though I do recall expressing frustration on a few occasions) but eight hours a day spent talking to unhappy people with every reason to be unhappy, in many cases, isn't how most people would choose to spend their time. I think the thing that upsets staff and claimants alike is that very often there isn't that much you can do. CC staff lack training (I was better trained back then than today's staff are, but even then, I lacked any deep understanding of the benefit process) and are under pressure to get the claimant off the phone as quickly as possible, and preferably without having to refer the matter to anyone else. When I got the chance to take a sideways move into processing (in an office much closer to home as well) I jumped at it.

 

None of this is to excuse rude behaviour, which obviously does happen more often than it should. But for the most part, where the DWP fails, the incompetence is systemic rather than individual, and the departmental attitude commonly mistaken for malice is really just sublime institutional indifference.

 

"CC staff lack training (I was better trained back then than today's staff are, but even then, I lacked any deep understanding of the benefit process) and are under pressure to get the claimant off the phone as quickly as possible, and preferably without having to refer the matter to anyone else."

 

Not the staff's fault, but a recipe for unhappy callers and (justified) complaints.

 

Why are complex queries not "sieved out" and referred on quickly?. It would free up the 1st line staff to turn over the "easy" calls rapidly and in one step, while allowing the complex cases to be dealt with by a 2nd line team empowered to do so.

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Why are complex queries not "sieved out" and referred on quickly?. It would free up the 1st line staff to turn over the "easy" calls rapidly and in one step, while allowing the complex cases to be dealt with by a 2nd line team empowered to do so.

 

That was what was supposed to happen. In practice, though, if you "handed off" too many calls you'd get complaints from management. It was another of those supposedly non-existent targets, really. It's the same logic that allows the DWP to claim that there are no "targets" for Jobcentre signing advisers in terms of the number of claimants they refer to the DMs for sanction decisions: it's not a formal target, they just complain and put you on a Performance Improvement Plan if you don't meet the target that does not exist.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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That was what was supposed to happen. In practice, though, if you "handed off" too many calls you'd get complaints from management. It was another of those supposedly non-existent targets, really. It's the same logic that allows the DWP to claim that there are no "targets" for Jobcentre signing advisers in terms of the number of claimants they refer to the DMs for sanction decisions: it's not a formal target, they just complain and put you on a Performance Improvement Plan if you don't meet the target that does not exist.

 

I'm so happy I got out a few months before the system changed. Working directly for the client was much more rewarding, but sadly even those jobs are going now since the legal aid cuts and cuts in charities funding, and claimants suffer.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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That was what was supposed to happen. In practice, though, if you "handed off" too many calls you'd get complaints from management. It was another of those supposedly non-existent targets, really. It's the same logic that allows the DWP to claim that there are no "targets" for Jobcentre signing advisers in terms of the number of claimants they refer to the DMs for sanction decisions: it's not a formal target, they just complain and put you on a Performance Improvement Plan if you don't meet the target that does not exist.

 

So it's a lot of splitting hairs because targets exist but aren't defined as targets? Sounds like you got out at when the system was better

I've met a few relatively decent people - just doing the minimum and not dishing out threats

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I have always been treated well by DWP staff, maybe I was one of the lucky ones, but I cannot complain on how I was ever treated.

I have even been apolgised to on a couple of occasions for having to attend interviews - but that is not their fault it's the systems.

My DWP adviser could not have been more understanding/helpful to me.

 

The call centres are different, but they only have a potted history and I am not good over the phone, so maybe some of the blame is also mine, but I have never been spoken to rudely - given the wrong info a few times.

 

I have had set backs like most people who have to deal with the system on a regular basis, and many times I have asked on here for further information to help me understand something .

 

I hope you get your problems sorted soon.

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it's not a formal target, they just complain and put you on a Performance Improvement Plan if you don't meet the target that does not exist.

 

Only in Kafka, Monty Python ....

ohh, or the Civil Service!

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  • 4 weeks later...
Can I assume this will not get me a 24 week prison sentence??

 

The DWP can not hand out custodial sentences, only a judge in a court can. So unless the case gets referred to the CPS (unlikely for £3K), you will not be going to prison.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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