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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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    • 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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PDL DEBTS - not able to pay everyone now...


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You're jumping way ahead of yourself.

 

They DON'T need to know anything other than you are having financial difficulties, and as such, you want them to stop interest and charges, and pay them what you're able.

 

You're TELLING them, NOT asking them.

 

Get the letters off to them first.

 

Wait for their response, if you do indeed get one, and see what, if anything, they are prepared to do to help you.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If its gambling and you had numerous pdl's dunning and bad credit or lots of pdl on you file already

Then a successful IR claim will wipe the debt out and totally remove in from your file and get what you paid already returned....hint best route

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hello,

I read the Payday Loan Reclaim Guide and I don’t know what to do now, it’s so hard.

 

I am not sure if I can claim, I was never lowering my income, I was always telling them that I have 3600 where the true is that to my account each Month is coming between 4000 – 4800.

 

Secondly – to get the loan I was lying about monthly payments to creditors – I was saying that between 600 – 700 a Month – completely wrong, much much more

 

Another – I am contractor on daily rate (working every day for my company over 10 years: First 7 – full time employee. After - last 3 – as a contractor) - I have limited company, but applying for a Loan I was choosing option full time employee, but they never asked me for payslip or bank statement.

 

In this scenario – can I start my claims ? or just begging them to give me a time to pay this off 

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IMHO start the claims now

And send the offer letters off too

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I don’t have any idea regarding the offers,

my Formal Complaint Regarding Irresponsible Lending letter should have offer to pay monthly only capital - not fees and interest, let’s say 50.00/ Month?

 

Or maybe should I send two letters, first Formal…

and after second one with offer. I am confused

 

I want to start claim from my Jar but I am not sure if I can.

 

I had first loan 600.00 from 13.05.2017 and I paid earlier in full on the 28.06.2017, week after I took new one 1,100.00 (which I am still paying) - they did search on my Credit File.

 

I had already at least 5 or 7 with the others and all searches are there and all loans as well. Is this qualify to Irresponsible Lending?

 

Should I mention on my letter that they didn’t ask me to provide my payslips and Bank Statements, where is so clear that I was gambling?

 

Should I attached my Bank statements and highlight loans and Gambling when sending the letter?

 

And Finally – what Can I ask ? – I have outstanding with them 3 payments x 328.00 = 984.00 (from 1,100 borrowed on 06.07.2017) – to write off everything or just interest

 

I can’t afford to pay it anyway – money left from salary 1,500.00 and Loans/ credit cards in total around 4000

 

Sorry for so many questions

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Get on with it

 

A lender should not be lending you more money because you can't pay, esp when from your credit file at the time you already had numerous loans/debts..or defaults..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I was using these loans to pay off other loans to **Companies**

 

Replace companies with other firms you were paying. Great first go :) need to make a bit more impactful me thinks.

 

But I am also aware that under these loans, the actual product

being offered changed from a pay day loan to a revolving credit facility

 

Remove this as well - not applicable here.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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sorry but what you mean "more impactful"? what shouls I add?

 

Well its a little bit of a mess - You need to instead of just using the template and adding bits you need to add your own.

Organise it a bit more... Set out like this.

 

- Why are you contacting them?

- Explain the issue you are facing them & any steps you have taken to resolve.

- Provide evidence if required

- Set your expectations on what you want them to do

 

Those sorts of things. English may not be your first language but imagine writing a letter in your native language about a complaint. How would you do it?

If you make it more organised then it shows them you wont be messed around :)

  • Haha 1

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Hello,

 

I have first respond from Mr Lender

"Thank you for your email.

 

Please accept this response as acknowledgement of your complaint.

 

As you have made us aware you are dissatisfied with the service we have provided, we can confirm that we will be conducting a thorough investigation into your concerns. This process can take up to eight weeks depending on the nature of your complaint. Once we have completed our investigation, we will be in contact to explain the outcome. "

 

 

means I have to wait but as well hold on payments? Am i wright?

 

 

NEXT - isn’t better request new debit card from my Bank than send 11 CCPA requests?

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you don't send CPA request

simply ring your bank on their phone banking line and cancel ALL CPA's to whomever you state.

the MUST comply

under FCA rules

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Send with the IR complaint if you wish

But if the IR is successful they will be wiped anyway

Adin fees etc are unlawful

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hello,

 

NEXT - isn’t better request new debit card from my Bank than send 11 CCPA requests?

No old wives tale

 

Cancelling a debit card doesn't cancel any CPA's that were setup using its number

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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DX is correct - You will need to cancel CPA with the banks directly.

 

In response to post 32 -

 

I don’t have any idea regarding the offers,

my Formal Complaint Regarding Irresponsible Lending letter should have offer to pay monthly only capital - not fees and interest, let’s say 50.00/ Month? - You tell them how much you can afford if it comes down to it.

 

Or maybe should I send two letters, first Formal…

and after second one with offer. I am confused - Just one - a complaint letter to open up dialog

 

I want to start claim from my Jar but I am not sure if I can. - Yes you can - you are entitled to complain at any point

 

I had first loan 600.00 from 13.05.2017 and I paid earlier in full on the 28.06.2017, week after I took new one 1,100.00 (which I am still paying) - they did search on my Credit File.

 

I had already at least 5 or 7 with the others and all searches are there and all loans as well. Is this qualify to Irresponsible Lending? YES!!

 

Should I mention on my letter that they didn’t ask me to provide my payslips and Bank Statements, where is so clear that I was gambling? - YES!

 

Should I attached my Bank statements and highlight loans and Gambling when sending the letter? Up to you. Just keep them scanned and documented in cased of sending to them

 

And Finally – what Can I ask ? – I have outstanding with them 3 payments x 328.00 = 984.00 (from 1,100 borrowed on 06.07.2017) – to write off everything or just interest - (You dont decide how much they write off to begin with - They must be shown to be helping you out. HCSTC is extremely risky in it own right and people in arrears are expected to be helped a lot by these companies - Part of the market they are in - They expect these loans to have some of a default rate)

 

I can’t afford to pay it anyway – money left from salary 1,500.00 and Loans/ credit cards in total around 4000 - Regardless - Time to act and be patient.

 

Mr Lender will have the ability to make amendments to their system accordingly - Remember its their system that they have full control over :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Hello Guys,

 

I sent all letters and attachments( Bank statements showing clear gambling signs plus budget) and I have to wait .

 

I had already a few emails back that they have my complains and I will hear something depends from Company in the next 3, 5 working days or a few weeks.

 

My Credit files are already very poor (I was excellent last year doing re-mortgage) and affected

 

I won’t pay anything until I hear something from them regarding solution what’s mean I will have so many defaults and unpaid instalments.

 

I will need to do re mortgage in the next 14 Months and I don’t know if Bank will still see my defaults after 16 Months and will take it into consideration .

Can you please let me know?

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Won't touch you with a barge pole

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hello,

I am receiving emails with confirmations that they have my queries and with cases numbers but are they going to chase me for outstanding payments sending emails, letters, phone calls after the 1st when they won’t get mu Monthly instalments?

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doesn't matter let them wave their arms.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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