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


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Go set up a parachute account with the COOP / Another bank outside of where you are at the moment. Get your money paid in there.

Then we can help :)

 

Then take a look at our guide to PDL Reclaims etc

You could find it helpful

 

We could do with some help from you.

 

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**Fko-Filee**

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Well the most certain thing you need to do is secure your salary first off so get it moved :)

Then we can take it step by step :)

 

So list all of the loans and amounts as well as companies - We can help.

 

We could do with some help from you.

 

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**Fko-Filee**

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I have a better idea... Now that we know there is some gambling involved - Attach the spreadsheet as a PDF (Excel has a Save As Function)

Upload it and then have a look at this beauty here...

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=68285

 

It wont solves all your issues, but will do a fantastic job of helping you get back in control. Your CRA will be affected and there is another fantastic guide coming soon to support this one about CRAs.

Use this to get yourself into a manageable situation.

 

We could do with some help from you.

 

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**Fko-Filee**

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In the short of it - Bailiffs is a long process...

- Creditor has to default you after 3 - 6 months of arrears - Then it gets sold to a DCA - They probably wont take court action unless they are stupid enough to do so.

you have to lose the Court case and get a CCJ - then it has to be escalated to enforcement - then it gets allocated to a Bailiffs. - This can take YEARS!!

 

Just to add - We can help see them off if it ever go to court. Then if you do a PDL reclaim and explain the issues well you could potentially see some balances written off

 

We could do with some help from you.

 

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**Fko-Filee**

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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.

 

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**Fko-Filee**

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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 :)

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**Fko-Filee**

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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.

 

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**Fko-Filee**

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Once again - Any damage done such as AP markers etc to your Credit File can be corrected by the lender - Let them scream at you - You are now in control.

 

We could do with some help from you.

 

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Now now... It may feel it but you are bringing it back under control. Trust me you will wise up to it.

In the event that you feel like you are struggling mentally etc (Debt can have a very negative impact on your health) -

 

Then you can have a look at

 

Samaritans

Telephone - 116 123

https://www.samaritans.org/

 

OR see your GP. There are also other people that can help.

 

Christians Against Poverty

 

https://capuk.org/

 

Just keep on top of it... There is a light at the end of the tunnel.

 

We could do with some help from you.

 

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**Fko-Filee**

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Howdi - Having a look at this - Its a good start... You now have the decision to make about Mr L

You may not get a COMPLETE write off - But its enough..

 

You can open negotiations on this one... You can tell them that the amount the are stating is still too high and I would also point out regardless of the status they should be doing more to help you.

£700 in other loans should have rung alarm bells. Also as well they should have checked your bank statements defacto. How many loans did you have with Mr L? This should be part of their criteria.

 

The door is open and Mr Ls response isnt set in stone. So go for them... Tell them what you expect... If you can get an extended amount written off then Id say take it and negotiate.

 

FYI a credit score is not a measurable acceptable method to go by!! GRRRRRRRRRRRRRR!!!

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69344

 

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**Fko-Filee**

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But you have had a great start though :) !! dont forget that and you wont win them all. Sometimes you need to compromise and sometimes you need to escalate to the FOS because they are'nt always being fair ^__^

 

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  • 2 weeks later...

Hi Wisona

 

I have unapproved the attachment as it still has references in it. I have seen it though and this is where you now open negotiations with them on the loans etc...

Take back control your way.

 

Good start with them taking off the interest. Or you can refer to the FOS.

 

We could do with some help from you.

 

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We ensure applications are completed through the use of the web based application form. It is not possible for an incomplete application to be submitted. Data from Credit Reference Agencies (CRA’s) is used to verify your existing credit commitments, including mortgage/rent, by providing us with actual credit commitment information.

 

We perform checks with the credit reference agencies. If the costs we check return a higher expenditure, than you declared, we will process your application with the higher figure obtained.

We use your verified outgoings, along with the proposed new loan repayment amount, to determine the minimum amount of income you require to afford the new loan. This value is then sent to the CRA Call Credit for verification and only when your income can be verified by the bureau your application is automatically accepted.

 

This automated income assessment is performed using an industry-standard Call Credit product. This is then used to assess how sustainable a new loan will be for you over the term of the loan. When we are calculating the minimum amount of income you require, the most conservative estimate of all the outgoings (i.e. the higher of your stated and the verified amount) are used to ensure your outgoings are not understated.

 

The information I have obtained from credit management shows the following information

 

Okay so time to play them at their own game - They have then said the above - They automatically use the higher amount or expenditure. So if you lowered it then it should have flagged up and then they should have queried that with you!!! They didn't!!

Plus they claim the loans are not showing but they will do! - Well all of the above started using Callcredit to report back in 2015 when they had the new rules.

 

Add to that that i know FOR A FACT that MYJAR and MR Lender, Sunny and 118 118 Money all use Callcredit and are all registered as advance Against Income and will show up under Noddles Short Term Loan section.

They have realtime reporting, Jesus - They have no clue.

 

Its time to challenege them and this will need to go to the FOS. Now that i know about the other loans, this will make a whole load more easier :)

 

Are you seeing now?

 

Take a screenshot of all of your accounts with the opening dates on Callcredit - Tell me also if Satsuma appear in Callcredit as Provident etc

 

Help me to help you! :)

 

We could do with some help from you.

 

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**Fko-Filee**

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Noddle is callcredit! :) So you dont need to! :)

Read our other guide :)

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69344

 

We could do with some help from you.

 

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**Fko-Filee**

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No need to post it here - Youve already given me enough info - You need it though. Keep it in a file - Speak to Satsuma - Tell them you are not happy can provide more evidence to them. If they still dont play ball then go to the FOS with all the info you have!

 

We could do with some help from you.

 

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**Fko-Filee**

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  • 2 weeks later...

Hi Wisona

 

You win some you lose some... But just remember you had a good start so dont be disheartened by this.

 

Go here to raise a complaint to the FOS :)

 

https://help.financial-ombudsman.org.uk/help

 

We could do with some help from you.

 

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**Fko-Filee**

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FOS Complaints can take some time... It doesnt matter if you start missing payments etc

All the info they add to your CRA can be removed at the click of a button...

So dont worry :)

 

Well done with Myjar and THL...

MR Lender is a very good result... Considering they are a real pain in the backside.

 

Bit by bit you will do well :) They have 8 weeks to respond to you and then you can take it to the FOS unless they respond sooner and then you can take it.

Depends if you agree with what they are going to do.

 

As far as Provident / Satsuma are concerned - They are scheduled to make a very large loss this year - So i would expect them to be difficult...

 

We could do with some help from you.

 

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**Fko-Filee**

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No problem :)

We are here to help. All i would ask is that you consider making a donation to the forum to keep this place running for others :)

Also finally - Please do let us know all the updates. We have threads that people dont update sometimes and it means we never know what happens :(

 

We could do with some help from you.

 

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**Fko-Filee**

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