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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
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      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.

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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.
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      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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Benefits Porn reaches new low


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Channel 4 and Channel 5 have been obsessed with Benefits Porn for a while now, Benefits Street, my 40 benefit children and all the other rubbish.

 

But I have just seen an advert for a new low - Benefits pets!! They have actually gone to the effort of making a programme purely dedicated to showing people on benefits who have the audacity to have a dog, Cat or Snakes etc.

 

They really are scraping the barrel now.

 

I don't understand why people actually willingly go on these shows - OK Channel 4 treats them fairly well, but the narration on just about every channel 5 is so downright nasty, and sneering, I just cant believe people continue to go on them, unless they were all filmed before any have been broadcast.

 

It is almost literally stuff like "Jane is off for a haircut today, paid for by the blood, sweat and tears of hardworking taxpayers, but Jane is OK, she can sit on her fat ass all day on benefits" And they have to point out the most obscure parts of their lifestyle and ram down our throats that benefits are paying for it, in case we didn't realise from the title of the programme, and the 88 other mentions of the word Benefits to that point.

 

I would like to see Channel 4 (from the evidence so far, C5 is incapable of seeing beyond "scroungers") do a couple of shows on the working poor, on the people working minimum wage who also have to rely on benefits to top up, as their employers arent prepared to pay a decent wage.

 

But then, I would like to see HMRC or whomever pubish a yearly list of all the companies, at least the national/franchised ones who only pay minimum wage, and thus the corporate coffers are shored up by taxpayers benefits - stuff like working tax credit is not a benefit to the individual, it is very much a benefit for already wealthy shareholders and CEO's.

[sIGPIC][/sIGPIC]

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Don't worry because next year all these middle class sponger turkeys on WTC and CTC who look down on the poor will regret voting for Christmas.

"Ask not what your country can do for you, ask what you can do for Poundland"

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Don't worry because next year all these middle class sponger turkeys on WTC and CTC who look down on the poor will regret voting for Christmas.

 

:madgrin:

We could do with some help from you.

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Next advert for Chan 4?

 

Is your pooch on the scrounge? is your feline a skiver? Is your budgie taking the hard working person for a ride? Then call channel 4, you know they love this!

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TV should broadcast the reality of the benefit system - where some claimants score zero points during their health assessment and are forced to start looking for employment because they are told they will no longer be paid in respect of their illness.

 

Claimants score zero points based upon a silly little interview that lasts for 10? 20? 30? minutes? The interview is undertaken by a nurse or a doctor.

This interview undermines the claimants own GP who has declared the claimant unfit for work.

 

The most vulnerable in society such as people with mental health problems are told they are fit for work when they are not fit for work.

 

I question the ethics of the medical professionals interviewing claimants. The doctors or nurses interviewing have a duty of care to their patient. Far too many people have died as a result of being declared fit for work when they are not fit for work.

 

I claimed benefits in 1993? for a few weeks and remember I had to jump through hurdles for those few weeks. The system has become a lot worse since 1993 and that is shown by the number of deaths of people who were declared fit for work.

 

There are benefits scroungers, there are genuine people and then there are genuine and vulnerable people.

For the benefit system to show a complete disregard of the vulnerable people is abysmal and unforgivable.

 

Apologies for rant! This makes me very angry as I see vulnerable people being demonised and told that they are fit for work. GPs all over the country are being undermined by some silly little DWP tick box exercise interview. Claimants are dying because the system is unjust.

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I got zero points on a recent assessment, despite having an obvious period of sickness prior to the interview and a very obvious right sided weakness - I should have had at least 4 points for living in sheltered adapted accommodation!

 

Channels 4 and 5 need to get of their ultra right wing stance on benefits and look more to the middle road.

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I got zero points on a recent assessment, despite having an obvious period of sickness prior to the interview and a very obvious right sided weakness - I should have had at least 4 points for living in sheltered adapted accommodation!

 

Channels 4 and 5 need to get of their ultra right wing stance on benefits and look more to the middle road. Most Definitely

 

Work is a great therapy so long as someone is actually fit enough to do some work. Others who fall through the cracks patently unfit, but some jumped up Professional decides they are fit after a chat deserve better.

We could do with some help from you.

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

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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They are airing what the watching public want.

Sadly more a comment on the state of the nation than the TV stations that are catering for what that nations wants to watch.

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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Notice they avoid the real crisis in benefits; the Working Poor on pittance pay with Tesco, Asda, Poundworld etc on part time and Zero Hour contracts. They need Tax Credits, and latterly Universal Credit to survive. I know one disabled worker on part time hours with caring responsibilities, being harrasssed by Scope (who act as a back to work conduit for disabled for DWP) to chuck in the job that pays them more for two days and 24 hours than 4.5 at Asda, to take a job that pays less for double the hours over 5 6 hour shifts totally ignoring the caring responsibilities.

We could do with some help from you.

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

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Interesting that the care industry is now throwing 'care will become unaffordable and we won't be able to employ as many people if we pay the carers the living wage' into the hat.

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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I find this kind of program disturbing TBH, it creates the fiction of a them and us culture, which throughout history has preceded some of the worst atrocities .

There but for the grace of god go I in my opinion.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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