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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.  

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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.

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Order for recovery of award. housing benefit overpayment


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My partner has just received this order this morning. It appears it went before the county court yesterday but we received no notification about the hearing so were unable to provide a defence.

 

The claimant is a borough council and the amount is for housing benefit overpayment of about £4500.

 

We do have a defence in that at the time her and her children were subjected to severe physical, emotional and financial abuse. They only got out nearly 2 years ago after suffering 13 years like this. She was moved 150 miles away by police and social services.

 

We know it would need repaying but we've not had a chance to sort a repayment through the court. I don't trust bailiffs to agree to a reasonable amount either.

 

Can anyone tell me what our next step should be!

 

Thanks.

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Do you have a defence?

(a reason why the decision that it is owed is wrong),

since you also say "we know it would need repaying".

 

Or do you not have a defence (and it is owed), but you need the court to order repayments at an affordable rate?.

 

For the first (you have a defence), you ask for the judgment to be set-aside (cancelled), and the case to go back to be reheard with your defence submitted.

 

For the latter (you don't have a defence but need time to pay), you ask for an order setting out the payments at an affordable rate.

 

It could even be a combination of the 2 (you owe some, but not all, and need time to pay that which you do owe).

 

Is the judgment sum due 'forthwith' (what is the wording of the order?).

 

I don't trust bailiffs to agree to a reasonable amount either.

 

Can anyone tell me what our next step should be!

 

Thanks.

 

County court bailiffs are usually very reasonable if you engage with them and explain the situation, and tell them what application(s) you are making.

 

HCEO's can be less easy to deal with, but again, engage with them.

 

 

For both, with a personal civil debt,

they have no power to force entry into residential premises

(so, as option is just to not let them in),

 

 

but if you decide to go down that route they may be less amenable to engaging with you,

so make sure you don't have any seizable assets where they can get to them

(such as a car parked outside, or goods in a shed or out-building).

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Andy

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The exact wording is:

 

On 28th April 2017, A Proper Officer

 

Sitting at the county court at .......

 

Considered the application and the award made to the applicant on ........ by the council under reference .........

 

And the court orders that

 

1. The applicant may enforce the award in court.

 

2. The respondent pay the applicants costs of the application, which are to be added to the amount unpaid under the award.

 

3. The amount enforceable is:

 

Unpaid under the award £4500

(Including interest)

Court Fee £44

 

Solicitors costs £0

 

Total £4544

 

Together with any further interest becoming due.

 

 

 

So I've no idea now what's going on?

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The Council has probably applied for this Order against you in order to protect the debt from expiring. In the past, debts can, and have become 'statute barred.'

 

For the Order to have been issued, the Council made a paper application to the Court and paid a fee. They were not obliged to put you on notice. Then a court officer issued this Order.

 

I think you were expecting both claimant and defendant go before a Judge before the Order was issued?

 

However, paragraph 1 shows that it can be enforced in the same way as a County Court Judgement would be. Definitely try and avoid the Order getting to the enforcement stage, only because bailiffs add on their own fees to the original debt.

 

To reiterate what the earlier poster said.

 

1) Resist it if you have the grounds to do so. I could not really understand your grounds from your earlier post. Have you spoken with your Citizens Advice Bureau?

 

2) Alternatively try and set up a payment plan.

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Did you appeal? If there was an appeal and it's handling was procedurally flawed : that would be grounds to seek a set-aside of the order.

 

If you owe the money, agree a payment plan.

At the moment they are at the stage where they can now apply to the court to enforce the order, and a payment plan that you stick to may stop them going for enforcement.

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Did you appeal? If there was an appeal and it's handling was procedurally flawed : that would be grounds to seek a set-aside of the order.

 

If you owe the money, agree a payment plan.

At the moment they are at the stage where they can now apply to the court to enforce the order, and a payment plan that you stick to may stop them going for enforcement.

 

All this happened before we got together. She was in a highly abusive relationship where her ex partner made all the claims, refused her access to the finances etc...

 

All I know is that it went to court on the grounds of benefit fraud. But there was no order for repayment made by the court.

 

She has told me that under caution the abuse issue was raided but for some reason this never made it to court, she doesn't know why either.

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Has your other half been in touch with Womens Aid or suchlike? They are meant to be helpful with this kind of thing. I have no direct experience of their work though.

 

As already stated, the Order you have set out above, is an Order stating that the amount to be repaid and that the Order can now be enforced!

 

The burden is on you (or your other half) to raise the domestic abuse issue. To be brutally honest, it sounds like the Council just wants to be paid. They are not going to pursue your side of the story for you!

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