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    • Heres a point, while we wait for @theoldrouge to condemn rather than promote and support right wing bigots spouting genuine and clear monstrous antisemitic rhetoric ... Isn't it actually specifically unlawful to promote violence against politicians on top of laws to criminalise such things? ... As is reported happening in these closed facebook groups run by Tory staff and where a Tory police minister and the Tory London mayor candidate are members and post?   .. or do the Tories (seemingly like tor) only promote laws for protecting the hate spouting hard right ?   "“Some of these (Tory facebook groups) posts constitute the most appalling racism and I would urge the Conservative Party to swiftly distance itself from these hate-filled groups and urgently investigate what role any Conservative politicians and officials have played within them. “Susan Hall and the Tory MPs who have belonged to these groups need to come out and explain why – and to denounce the content they have tacitly endorsed by their membership.” "Reporters found widespread racism and Islamophobia as well as conspiracy theories and celebrations of criminal damage on the pages, including sharing the white supremacist slogan and antisemitic videos. " "Unearthed found that 46 out of the 82 admins have clear links to the Tory Party, including a recent digital campaign manager for the party and a conservative activist. Conservative councillor for Haywards Heath, Rachel Cromie, is an admin on all the groups. "     Also interesting that Facebook groups opposing 20mph speed limit in Wales are being run by English Tories   Conservative-run anti-Ulez Facebook groups hosted racist and Islamophobic posts - Unearthed UNEARTHED.GREENPEACE.ORG Tory staff running Facebook groups described as 'cesspits of vile racism' WWW.THENATIONAL.SCOT TORY staff and activists are running Facebook pages which are riddled with white supremacist slogans and Islamophobic attacks... Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts   Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts - London Post LONDON-POST.CO.UK A coordinated network of 36 Facebook groups opposing London’s ultra-low emission zone (ULEZ), run by Conservative councillors and...  
    • 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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FirstPlus to Elderbridge


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I've put in my complaint with the ICO and provided the evidence that Elderbridge charged me twice.

 

Has anyone of you more learned people seen anything untoward with the statements?

 

I'm guessing that they probably hide the charges and unless you have all the paperwork you will never be able to make sense of it all.

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I can only see 1 £30 fee

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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  • 3 weeks later...

Wow, hold the presses. We’ve had a response from Elderbridge regarding the SAR.

 

In a nutshell they need to protect our privacy and confidentiality

so need signed authority from my partner and I dated within the past 3 months,

and then....

they will provide the information we’ve requested ASAP but within the 30 days as per new legislation.

 

I’m going to send the letter onto the ICO as we both signed the letter when we requested the SAR.

 

I still haven’t heard back from the ICO sign I made my complaint

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  • 5 weeks later...

Update

 

ICO replied to me last week and upheld my complaint and said that Elderbridge should comply with my SAR and they would contact them but felt that I should send them what they had asked for???

 

I asked them what more do I need to send them seeing that we had already sent them the request which was signed by both of us - didn’t hear anything back. No reply back fro them yet.

 

Today received a call from the complaints department from Elderbridge.

They were very apologetic and said they had sent out the information and given me a tracking number.

 

Also giving me £50 plus a refund of the £10 for the original SAR request payment and taking of the extra payment that they had taken.

 

It seems that Elderbridge only responds once the ICO contacts them.

ICO aren’t much cop are they really?

 

They even said to me that Elderbridge had done nothing wrong by taking the payment twice and charging interest.

I’ll wait to see what the SAR says and report back.

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I’ve received the disc but all it has on it are letters from firstplus an practically nothing from Elderbridge.

They’ve enclosed the terms and conditions and the original agreement and an updated statement.

Am I right to think that they should also send me a list of any charges that they have made.

 

I’ll upload the agreement and statement and would appreciate some advice on what I should be looking for.

 

Oh yeah, Elderbridge we’re also kind enough to enclose other customers letters on the disc. I’ll let the ICO know for what its worth.

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yes should be every statement showing the charges and the Elderbridge

SAR Elderbridge now? but they are the same lot?

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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They did enclose a form to complete to request more information so I will send that to them requesting any other with held information as I refuse to believe that what they sent me is all that they have.

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Agreed

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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Share on other sites

  • 2 weeks later...

Hi all, just going through the SAR stuff from Elderbridge which doesn't seem right to me.

FOS had ordered Firstplus now Elderbridge to refund the premium of £13,469 and interest and all interest paid on the premium up till that date of £3962.24.

 

They also sent me a cheque for £4681.86 in respect of the part of my monthly repayments that were made towards the policy and a further £595.79 in respect of 8% interest on the monthly payments of the cost of the premium.

 

Just looked on my statement and while they ave done the above they also appear to have added the refund cheque to the overall balance and then continued to charge interest.

 

I am not an accountant but the object was to put me back in the position I would save been if I had not been missold the PPI:

 

I would've taken the PPI premium away from the starting figure and would start from the £55,000 that I was borrowing.

Taken away then subtracted all capital and interest payments that I made which would've been more accurate and truly left me in the position that I should've been in.

 

By my very rough calculations the balance should've been in the mid £30k's which takes into account the 41 payments that I had paid till then and the interest.

 

They haven't done what they should've done and gained by refunding me and then making me pay it back with interest.

 

I would really appreciate it if one of the team can take a look at my statement - post 14 date 6/02/2009 - and advise if I've got it wrong or if they really are a bunch of @@@@@@

 

Many thanks as always.

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deal with this in over the next days or so..

 

can we see the full sar return please

 

one multipage PDF

read upload

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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Share on other sites

re page 13 of the pdf

somethings not right there whats the £13k refund???

 

why don't you ring the FOS ref that ?

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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yea I took me shoes and socks of and realise that now..:lol:

 

maybe approach FP first.

but yes you could reopen the old fos complaint as FP have failed to do what the FOS instructed.

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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Share on other sites

Thanks dx.

 

Given the run around by FOS and Elderbridge this morning.

Bottom line FOS advised to complain to Elderbridge and get a final response from them and then it can be opened as a fresh complaint that FOS can take years to sort out.

 

Elderbridge say that because it happened before they took over it is nothing to do with them and will be sending out a final response.

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  • 3 weeks later...

Hi,

I've tried to attach the spreadsheet hoping that someone with a bit of knowledge on these matters will be able to check but I couldn't change it to PDF.

 

I managed to find a spreadsheet (THE MORTGAGE PROFESSOR'S AMORTIZATION WORKSHEET for variable mortgages) that works out what the cumulative interest and balance should be. I also put in the rate changes on the dates that they happened.

 

I Started the loan at £55k, inputted all payments from the start until my most recent payment (also a couple of charges which they naughtily added - the £10 SAR payment added £129 interest:-x ). The actual balance according to the spreadsheet is £15,778 and not the £32.5K that they claim.

 

I called Elderbridge today as I received a letter from them saying that they are now investigating my complaint that they did not follow the Ombudsman ruling which was to restructure the loan and put me back into the position I should've been without the PPI.

They say that they will have an update in a few days.:|

 

Please let me know if there is a way of getting the spreadsheet upload for one of you knowledgable people to look at.

Elderbridge payments to 1:08:2018.xls

Edited by dx100uk
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i'll look later

  • Confused 1

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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gotta admit im not familiar with that

but its not ever been questioned As far as I can see

so the way it works [the spreadsheet ] must be ok.

 

i'd let this run with EB

then se what they say.

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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Share on other sites

  • 4 weeks later...

Heard back from Elderbridge who have knocked back my complaint on the grounds that, " 'part' of what I'm complaining about happened more thank six years ago and I'm complaining three years after I realised (or should have realised) there was a problem".

 

They go on to say that if FOS agrees with them regarding this time limit thing then they will refuse permission to FOS consider my complaint and FOS will only be able to consider the complaint in "very limited circumstances" i.e. the delay in me complaining was due to exceptional circumstances.

 

What a pile of @#@@.

How was I an uninformed punter, meant to know that they have been swindling me?

 

Makes me think that they've sought advice from FOS themselves and been given this advice.

 

Any ideas how to move this forward would be greatly received.

Very upset by this.

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usual crap to put you off.

 

AFAIK that doesnt apply to them anyway [ CCL letters only I think]

 

and anyway you are correct

it run from when you found out.

 

don't give in

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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