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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
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      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.

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Im looking for some advice Piggybank,Sunny,Wonga


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INC OFF WONGA

20th June2014£200

2nd July 2014£400.00

29th Jul 2014£400.00

11th Aug 2014£400.00

8th September2014£400.00

19th September 2014£400.00

3rd October2014£400.00

19th January 2015 £130.00

16th febuary2015£300.00

18th March 2015 £300.00

23rd march 2015£600.00

 

 

 

 

 

Paid Back to Wonga

30th june 2014£219.89

10th july 2014£442.00

9th Aug 2014£454.16

5th September2014£510.93

19th September 2014£458.22

3rd October2014£462.27

31st October 2014 £109

6th November2014 £410.04

23th January 2015£134.16

20th febuary2015£312.00

20th March 2015 £307.20

15th may 2015£100.00

£543.20 Paid

 

 

INC SUNNY

26th august2014 £100

26th august 2014£400

1st September2014 £100.00

1st September2014£400.00

1st September2014£500.00

2nd September2014 £75.00

2nd September2014£200.00

3rd September2014£200.00

4th September2014£25.00

8h September2014£50.00

8h September2014£91.24

19th September 2014£104.15

6th October2014£102.00

20th October 2014£59.93

12th November 2014£100.00

12th November 2014£100.00

24th November 2014£200.00

23rd march 2015 £500.00

7th April 2015£100.00

17th april 2015 £150.00

5t may 2015£300.00

18th may 2015 £300.00

29th may 2015 £300.00

1st June 2015£200.00

19th june 2015£350.00

 

 

 

Paid back SUNNY

5th September2014£153.31

6th October2014£169.99

17th October 2014£125.61

31st October 2014 £168.59

7th November 2014£417.13

14th November 2014£108.90

2nd April2015£159.16

17th April 2015£58.55

17th april 2015 £159.16

1st may 2015£58.54

1st may 2015£87.82

2st may 2015£79.61

1st may 2015£159.61

15th may 2015£159.17

15th may 2015£174.38

29th may 2015£174.38

29th may 2015£174.38

1st June 2015£160.58

12th june 2015£114.57

12th june 2015£175.65

13th june 2015£159.21

26th June 2015£114.56

26th June 2015£194.60

10th July 2015£194.60

 

 

 

 

 

 

Piggybank INC

 

4th September £50.00

9h September2014£150.00

22nd September 2014 £250.00

3rd October2014£250.00

20h October 2014£250.00

28th November 2014£169.37

12th December 2014£169.37

27th March 2015 £100.00

7th April 2015£250.00

14th april2015 £350.00

1st may 2015£400.00

29th may 2015£500.00

20th July 2015 £400.00

3rd August 2015 £300.00

 

Piggybank Paid back

9h September2014£59.96

20th sept 2014£171.24

6th October2014£279.76

17th October 2014£285.89

7th November 2014£294.27

6th April 2015 £108.00

13th april 2015 £264.00

1st may 2015£397.60

26th June 2015£612.00

24th July 2015 £419.20

7th august 2015 £309.60

 

 

 

 

 

Myjar Inc

 

8th June 2015 £100.00

14th july 2015 £150.00

 

Myjar Paid back

12th june 2015 £105.60

24th July 2015 £163.20

 

 

 

 

After alot of sifting through here we are

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Just before I go and grab something came to mind.

 

Do you have a sunny login? IF the loans are all linked to the same account they will show up there.

Wonga maybe the same as it would be one account, but youd need to check , I have good contacts for Wonga who can get the info quickly inclusive of their Complaints team leader email addy.

Finally Piggy Bank I really don't know. NEver had any dealings with them if you do have an account login for their website its worth checking... They may beable to give you a summary of Loan Refs and also other key info.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Just before I go and grab something came to mind.

 

Do you have a sunny login? IF the loans are all linked to the same account they will show up there.

Wonga maybe the same as it would be one account, but youd need to check , I have good contacts for Wonga who can get the info quickly inclusive of their Complaints team leader email addy.

Finally Piggy Bank I really don't know. NEver had any dealings with them if you do have an account login for their website its worth checking... They may beable to give you a summary of Loan Refs and also other key info.

 

 

Yes have all the logins and linked to the same account, cant see any previous loans on wonga and also piggybank sunny shows them though

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Goodie! :) Thats good. For Sunny at least, Wonga should have had a summary somewhere.

 

Might be worth ringing them and asking for info :) They should beable to give a summary via email too.

Contact details are on Wonga's Site.

 

Christ, the amount youve been lent!

 

Wonga; £3930

Sunny; £5007.32

Piggy Bank; £3858.74

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Awesome, FYI Ive reported the thread to the site team. I want some more advice from them just to be sure.

How many gambling accounts did you have?

 

We could do with some help from you.

 

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**Fko-Filee**

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At a guess around 5, rangeing from bet365 skybet paddypower betfred betfair garlabingo may have been one or two more, but Self excluded from the lot of them as its the only way to stop any temptation along with will power

 

 

was there also questions you needed answering regarding my bank?

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was there also questions you needed answering regarding my bank?

 

You said defaulted loans? yet you bank with Barclays who supplied them yes?

 

We could do with some help from you.

 

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**Fko-Filee**

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And these loans appear to have been made to you over the last 2 years - during which period of time the Pay Day Lenders have been under scrutiny for irresponsible lending and bad practice !

 

In the first instance, you need to write to each of the Lenders pointing out this - unfortunately you will need to give them some time (I think 8 weeks) in which to look at your complaint, after which time and depending on their responses, you would then escalate any complaint that wasn't satisfactorily dealt with.

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You have a defaulted or delinquent account

it states that on the credit alert at the top yet i cant find anywhere that shows this? it shows 5 missed payments but no Default on anything? so quite unsure regarding this issue

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Well it might not be defaulted yet... However can i ask, which banks have you been with in the past? And which do you have debts with? (If you do)

 

We could do with some help from you.

 

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They might not have registered a Default - some lenders are stalling in order to extend the default position - which is quite outrageous as well.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Just childhood banks - no debt what so ever with them so just barclays although i did receive this email? but this payment was settled 6 days after the email recieved

 

Notice of Our Intention to Register a Default‏ clear.gifclear.gifclear.gifclear.gif

 

04/07/2015

clear.gif

 

 

To: [email protected]

 

Loan Agreement Ref:

IMPORTANT INFORMATION - Your credit rating may be impacted

Dear -----

We're writing about your outstanding balance of £543.20 under the loan agreement dated 21 March 2015 between you and WDFC UK Limited trading as wonga.com.

If you have already agreed a repayment arrangement

If you have agreed a repayment arrangement directly with us or through a third party such as a debt management company and you stick to it, we will not file a default on your credit file. We will report such an arrangement to credit reference agencies and your credit file will be marked accordingly.

 

However, if you do not pay the instalments under your repayment arrangement on the agreed date(s), we may file a default 120 days from your original loan repayment date.

If you have not agreed a repayment arrangement

Please note that you agreed to repay this loan in full on 3 April 2015. As of today, the debt has been outstanding for more than 60 days. If you don't repay the amount owed within 28 days from the receipt of this communication, it is likely that we will register a default on your credit file with one or more credit reference agencies. This will stay on your file for 6 years and may affect your chances of getting credit in the future.

 

If we are unable to reach a suitable solution, it is likely that we would also take further action to recover your debt including passing the debt to a debt collection agency or selling the debt.

If you haven't done so already and if your balance is in arrears we recommend you contact our specialist collections team as soon as possible to discuss repayment options. You can call us on 0207 138 8331 or email [email protected].

 

If you're struggling with your debts and feel you'd benefit from some impartial advice, you can contact any of the UK's free debt advice services such as:

 

 

Kind regards

Collections Team

wonga.com

0207 138 8331

 

Wonga.com is a trading style of WDFC UK Limited. Registered in England and Wales.

Registered Number: 6374235. Registered Address: 88 Crawford Street, London, W1H 2EJ.

Authorised and regulated by the Financial Conduct Authority. Interim Permission Number 611974.

 

They might not have registered a Default - some lenders are stalling in order to extend the default position - which is quite outrageous as well.

 

 

do i email creditexpert then? asking them to eplain where the default has came from?

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No... LEts get some more info from the CRAs...

 

Go to Noddle and Clearscore... They are both free... And show Callcredit and Equifax...

Lets see what they say.

 

 

Also Id think about moving away from Barclays... Just to cover yourself.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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No... LEts get some more info from the CRAs...

 

Go to Noddle and Clearscore... They are both free... And show Callcredit and Equifax...

Lets see what they say.

 

 

 

Also Id think about moving away from Barclays... Just to cover yourself.

 

 

http://oi64.tinypic.com/2aioxfp.jpg

 

 

Showing no evidince of a default here either?

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Okay so my question is now, have you caught the arrears up? As Barclays will only show what should be correct info.

 

I managed to come to an agreement with them as long as i dont miss another payment of £224 a month and the arrears will be added to the back of the loan without the intrest added

 

after browsing the forum also i see people able to claim back overdraft+missed payment charges.. i wouldnt be able to do that? as my problems self made?

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Its harder to claim those back Barclays will be your last point of call at the moment...

Are you able to suitable afford the payments to Barclays? You are in a good position if you can and end up without a nother default.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Its harder to claim those back Barclays will be your last point of call at the moment...

Are you able to suitable afford the payments to Barclays? You are in a good position if you can and end up without a nother default.

 

 

Yeah im able to afford the loan payments havent missed one since the agreement was set up :)

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