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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
    • please stop posting up unnecessary unnamed screenshot files  you've done it throughout your threads and we have to renamed them. RENAME THE FILE before you upload if its just text information like a defence or a claim history or a link to a previous post  type it here not by an unnamed screenshot attachment  . sorry NM but you've been here dealing with PPC claims since 2021 somehow you always manage to screw up.......or do totally the opposite of std repeated advice on 10'000 of PPC threads here you are your own worst enemy... dx  
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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.  

      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.

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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backdoor CCJ Aktiv Kaptial - set aside - whats next?


batty69
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Ring the Court and ask the status of your CC....If they had filed a defence then CCBC would have served a copy on you.

 

Regards

 

Andy

We could do with some help from you.

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  • 2 weeks later...
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Just had a good one from my Claimant,

it has left me in stitches and I am laughing at this one.

 

in my defence I denied the POC's in their entirety and then proceeded to a point by point dissection of each of them.

 

My claimant has now applied for a strike out of my defence and a default judgement against me on the grounds that although I

"deny the particulars of claim,

the defendant does not deny the debt.

 

therefore failure to deny the debt constitutes admittance of the debt.

 

hence the defence should be struck out and judgement awarded for the claimant"

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  • 4 weeks later...

Update time:

I nearly lost my case up on some procedural error which would have resulted in CC being thrown out and judgement awarded to the claimant.

all sorted as the court made a mistake as well and I was able to pass the buck for my mistake as being a result of their mistake.

 

everything on track now, hearing date set, directions given by the judge etc.

 

Although one thing I have noticed in the directions is that although both parties have been given directions to exchange relevant docs, ws etc 14 days before the hearing.

 

He has made a separate direction,

which I will avoid repeating verbatim,

but says for the claimant to,

 

1) clarify their case set out to the court so far

 

2) send to the court and all parties by blah,blah full and precise evidence of the assignment of the debt to the claimant.

 

Is this a normal direction ? (I didn't ask for it)

 

If they fail to produce this evidence by blah,blah. does that prevent them from introducing this evidence later?

 

if they fail to produce this evidence by blah,blah (I expect they won't),

how do I turn this "Direction" into an "Order" ?

Edited by batty69
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Are there no sanction stated if they fail to comply Batty?

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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No sanction mentioned,

just a general sanction to apply to all directions that if any of them are not followed it may result in the case being adjourned and the party at fault incurring the costs.

 

Just to add although the hearing is over 6 months away,

the claimant has been directed to do this within 3 weeks.

 

Any idea what the judge is getting at here ?

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Not sure but it all assists your case...keep your eye open in 3 weeks time ...if they fail report and let the Court decide what's required.

We could do with some help from you.

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Andy the deadline passed last week,

I've gave it 7 days and have checked with the court and they haven't received anything.

 

What's my next step ?

 

If it's any help, I

n short my defence is that I deny the POC's in full,

the claimants claim consists of nothing more that A owes B.

B has no paperwork that shows A owes B anything.

 

The defendant has knowledge what so ever of the claimed debt.

The defendant states he does not owe the claimed monies to either the claimant or anyone else.

It is the defendants assertion that no debt has ever been assigned to the claimant and the defendant has proof to this effect.

 

I have done an all out categorical denial.

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Good morning Batty

 

Ok time to inform the Court then...this can be done informally or by way of an application with a request that the Court issues an or else or that you direct the claim be struck out...your choice.

 

Regards

 

Andy

We could do with some help from you.

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An application is the correct procedure and carries far more weight and will contain your draft Order...you can request costs within the application.

We could do with some help from you.

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Hi I went to do this,

but looks like the other side has pre-empted me.

 

Can't confirm yet,

but they have put in an application which by the timing of it,

means they are looking to vary the judges order and directions.

 

Only possible thing they could have issue with is the documents direction,

as the rest is pretty standard stuff.

 

Any ideas what I should do ?

shall I wait for the outcome of this or move quickly ?

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Have you been served a copy of said application?

We could do with some help from you.

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Just been reading up,

it doesn't look like I will get my costs,

and it is theoretically possible to re-instate the claim.

 

Also what about my Pt20 CC ?

surely if they were planning to discontinue and never come back they would have asked me to withdraw my claim ?

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I think you can still apply for your costs, even if they have discontinued.

 

You will need andyorch or donkeyB to advise if you can still continue with your Pt 20 claim ?

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Been down to the court, this is the state of play unofficially.

 

1) The claimant tried to have the judges order/directions varied and got no were.

 

2) Claimant has now backed off and has discontinued.

 

3) Counterclaim is still live

 

4) Judges order is now winging it's way to me pay the hearing fee as I am now officially the claimant.

 

Sounds goods, but I'm very peeved as this is very much a pyrrhic victory for me.

 

I will be pushing this very much to the end.

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Tell me about it!

Have had lot's of issues with the court missing the CC,

even had to go down to the court and explain to them what the rules are about handling CC's (thanks andyorch).

One member of staff even asked me

"What's CPR ?"

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Right need to get back on the case with this.

 

I'm very uncomfortable with the "discontinued" aspect of this case, as it means

"Theoretically" they can come back at me at some point.

A peruse around this forum shows that this does happen and there are various tricks to do this.

I need to have the claimants claim dead and buried once and for all.

 

Is it possible to do this via a SJ ?

 

My grounds would be.

 

1) The dispute has been now been on going for 9 years.

 

2) Due default notices placed on the defendants credit record, the defendant has encountered difficulty in finding accommodation.

 

3) Claimant brought the case to court while the matter was in dispute as claimant has failed to provide any proof of debt.

 

4) Claimant lacking said paperwork gave the court a false address in order to gain a default judgement.

 

5) Due to the default judgement the defendant was made unemployed

 

6) The default judgement was set aside due to being a irregular judgement.

 

7) The claimant restarted the claim but has still failed to provide any proof of the alleged debt.

 

8) The claimant due to being unable to comply with a judges order to supply said proof has now discontinued the case.

 

Due to the length of time this dispute has been on going,

and the material impact this dispute/claim has had on the defendants quality of life,

the defendant requests summary judgement to prevent the claimant issuing further claims against the defendant.

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I think you can make an application to disagree with the discontinuance.. I am not absolutely certain about that ?

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Looks like I can, just been reading up on Gilham V Browning [1998].

 

It provides for where a claim a materially hopeless and one party discontinues in the hope of having better chance later on.

 

Just wondering,

is it worth me approaching the claimant to ask for an out of court settlement for the CC or otherwise I will proceed with the CC and will apply to have their notice of discontinuance set aside ?

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