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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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    • If you are buying a used car – you need to read this survival guide.
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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 
      • 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
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PT, I think the language filter has picked up a letter combination it doesn't like. Is it possible to put in a space maybe, so that the right name shows that way please? That way hopefully if the OP puts a space back in when they google, they should find the right page on the site.

 

HB

 

 

Thanks for that HB I'll list it as a TinyURL instead http://tinyurl.com/lbzr6cg

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It is not the Legal people you need to talk to but those who administer the various plans for those in difficulty. I assume it will be the Helping Hand scheme you need http://www.southeasPiers Morganer.co.uk/your-account/pay-your-bill/difficulty-paying-your-bill/helping-hand . If SEW take the debt back voluntarily then they become responsible for all the HCEO fees as well.

 

Thank you Ploddertom, one interesting thing is noted on the helping hand application, I quote a passage :

 

As soon as we receive your application, a hold will be put on debt collection action on your account while your application is dealt with.

 

I wonder if this applies to a high court writ and HCEO too? as would this not constitute a "debt collection"? but a VERY informative link, thanks

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I guess I know your first call in the morning then.

 

 

I sure do! but knowing my luck the HCEO will turn up at 6:30 when I am in the land of nod!

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Court is best attended in person just after opening if possible as you may have to wait. Complete all the paperwork necessary including that need for Fee Remission if applicable & the proofs they ask for.Explain what has happened and that you are expecting an imminent visit from the HCEO and a lot of the time a spare Judge can be found who will hear your application on the spot. If granted you should then notify the HCEO ASAP who will probably need - name of Court, Judge, date etc. When the paperwork comes forward a copy on - do not rely on others having done it, then make sure you keep a copy by the door in case of visitors.

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PT, I think the language filter has picked up a letter combination it doesn't like. Is it possible to put in a space maybe, so that the right name shows that way please? That way hopefully if the OP puts a space back in when they google, they should find the right page on the site.

 

HB

 

The tinyURL solves the auto-filter problem elegantly.

 

Its "The Scun*horpe problem" : the administrative centre of the North Lincolnshire unitary authority having given rise to an eponym for similar issues.

http://tinyurl.com/9ghrclj

 

In this case, rather than picking up on the 2nd, 3rd, 4th and 5th letters of that town, and deciding that someone has posted a rude word, it has picked up on the last 't' of east, and the first 3 letters of water.

 

Interesting that it hasn't inserted the usual "****' replacement, but has apparently been set to change it to PiersMorgan instead!.

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Court is best attended in person just after opening if possible as you may have to wait. Complete all the paperwork necessary including that need for Fee Remission if applicable & the proofs they ask for.Explain what has happened and that you are expecting an imminent visit from the HCEO and a lot of the time a spare Judge can be found who will hear your application on the spot. If granted you should then notify the HCEO ASAP who will probably need - name of Court, Judge, date etc. When the paperwork comes forward a copy on - do not rely on others having done it, then make sure you keep a copy by the door in case of visitors.

 

 

 

SO if a judge grants the stay of execution and variation order once I notify the HCEO they can no longer enforce?

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The tinyURL solves the auto-filter problem elegantly.

 

Its "The Scun*horpe problem" : the administrative centre of the North Lincolnshire unitary authority having given rise to an eponym for similar issues.

http://tinyurl.com/9ghrclj

 

In this case, rather than picking up on the 2nd, 3rd, 4th and 5th letters of that town, and deciding that someone has posted a rude word, it has picked up on the last 't' of east, and the first 3 letters of water.

 

Interesting that it hasn't inserted the usual "****' replacement, but has apparently been set to change it to PiersMorgan instead!.

 

Like it, thank you. Maybe it shows what it thinks of Mr Morgan.

 

:lol::madgrin::lol:

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SO if a judge grants the stay of execution and variation order once I notify the HCEO they can no longer enforce?

 

It would probably be just an interim Stay pending a further Hearing but yes once the Judge says granted then that is it. But remember it is not guaranteed.

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I feel so bad asking as I know it appears I am stupid but can I clarify

 

 

- Am I the claimant or defendant on the form? The reason I ask is it seems varied around the net on which I would be.

- Is it a district judge needed?

- it asks if I have attached a draft of the order, Not sure what this means

- do I do a witness or statement of case?

 

 

Thanks I really could not have done this without this site!

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Sorry Ploddertom can I ask when filling out the N244 do I request a hearing if I am trying to see a judge that day?

 

 

 

I feel so bad asking as I know it appears I am stupid but can I clarify

 

 

- Am I the claimant or defendant on the form? The reason I ask is it seems varied around the net on which I would be.

- Is it a district judge needed?

- it asks if I have attached a draft of the order, Not sure what this means

- do I do a witness or statement of case?

 

 

Thanks I really could not have done this without this site!

 

1 - put your name

2 - Defendant

3 - You are asking for a Stay of Execution against the Writ of Control the HCEO has because:

i - you cannot afford the fees demanded

ii - the HCEO is telling you minimum payments may be more than you can comfortably afford

iii - you have made an offer of payment of £XXX based on your I&E but the HCEO is refusing to consider

4 - No

5 - at a Hearing

6 - leave blank

7 - leave blank

8 - District Judge

9 - Claimant, Defendant & HCEO

9a - HCEO name & address

10 - statement of case - expand on what you are asking for & why (Q3). Do it on a sepaprate sheet of paper & when finished don't forget to sign & date it

Complete Statement of Truth

11 - fill in your details as appropriate

 

I have an early start in the morning so must assume a horizontal position, but know there are others who can help with any other questions in the meantime.

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Little update. Went to the court today asked for a judge to look at it but they said that was impossible butnthey would expedite it and to call weds.

 

I am guessing action can still commence until such time I find out.

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Little update. Went to the court today asked for a judge to look at it but they said that was impossible butnthey would expedite it and to call weds.

 

I am guessing action can still commence until such time I find out.

 

Disappointing but not surprising. Yes they can still call and enforcement can continue until such time there is an Order saying they cannot. However some EAs are reasonable and if informed what you have done may decide to wait until a decision is made, they can always check you have made the application.

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Hi Ploddertom, yeah they advised that we could possibly be part of the scheme but it would not stop any collection as it "prevents" it going to debt collection. Although this is not clear in their documentation.

 

 

Still waiting for the Judge, I am ringing twice daily but apparently the stay has not come back yet.

 

 

Fingers crossed for tomorrow

 

 

If they do come and say clamp the car (even though it is not ours) will the stay cancel this if granted? or will it stay on a walking possession order or whatever it is called

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