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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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      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.
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babes66 vs Halifax


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Hi All,

I am a newbie, but having estimated my bank has been taking approx £200 a month from me for the last six years, I am joining the fight!

I have 2 problems that I could do with help on, and I apologise if these issues are coverd elsewhere, I have looked but may have missed the relevant information. I would appreciate any help you can give.

The first is this; My account was held at my local Halifax branch, but since the Halifax/BOS merger, my branch closed, although my sort code etc on my accounts remain the same. There IS a BOS branch in my town, but no Halifax, so where do I write to?

My second question is this; I am in Scotland, my account is with the Halifax...so how much can I claim? £750 (as I'm in Scotland) or the full amount (as the Halifax is an English bs?

These are probably stupid questions, but I'm feeling slightly overwhelmed with information just now!

Thanks

Halifax acc 1: 1st request letter sent 20/4/2006

LBA sent 27/04/2006

1st action filed Kirkcaldy Sherriff court 03/05/06

 

Halifax acc2 (closed): 1st request sent 03/05/06

LBA sent 11/05/06

Capital 1: 1st request sent 11/05/06

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In which case, just take a couple of days (if necessary) to go over all the information contained in the FAQ section.

 

You really will benefit from this, as there is a wealth of info that you need to get your head around in order to sucessfully claim back what is rightfully yours.

 

You will find, if you don't do some groundwork yourself, that you head off in all directions and get yourself i an much more confused state!

 

A little more effort now will pay dividends later. At that point, if you are still unsure, repost your questions on the same thread.

 

Good luck

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hi Everyone,

I sent my first letter before action by registered post last Thursday.

On Sat I received a standard letter saying someone from Customer services would contact me.

Today I received a phone call offering me back my charges since Jan this year as long as I accepted this as full and final settlement, I said no immediately, the guy on the phone then asked what I WAS looking for, so I said I wanted ALL my charges back, at which point he gave me "a friendly warning" that if it went to court I could lose.

I said I'd take that risk;)

So now I have a question, since the guy basically said he would see me in court and that they would not be making another offer, do I still have to send a second letter before action or do I jump straight to filing at my local court?

Halifax acc 1: 1st request letter sent 20/4/2006

LBA sent 27/04/2006

1st action filed Kirkcaldy Sherriff court 03/05/06

 

Halifax acc2 (closed): 1st request sent 03/05/06

LBA sent 11/05/06

Capital 1: 1st request sent 11/05/06

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If you "could lose", that implies you are in the wrong. In which case, why are they offering you any money at all :)

 

Good luck!

Claim against Halifax for £492

:: Moneyclaim form filed 22nd May, total claim now £649.57 including costs and 8% interest.

:: £210 offer recieved 19th May, rejected

:: LBA sent 8th May, 22nd May deadline.

:: £70 offer recieved 6th May, rejected

:: Recieved Halifax charges leaflet: 28th April

:: Original Request Sent: 25th April / Deadline: 10th May

 

View my progress

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Thanks Mr Flib, I asked him that, and he said it was purely a "goodwill gesture" when I replied that they had never been keen to show me any goodwill in the past he just restated that their charges are "both fair and lawful" at which point I told him I would take my chances with the court.:D

Halifax acc 1: 1st request letter sent 20/4/2006

LBA sent 27/04/2006

1st action filed Kirkcaldy Sherriff court 03/05/06

 

Halifax acc2 (closed): 1st request sent 03/05/06

LBA sent 11/05/06

Capital 1: 1st request sent 11/05/06

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I posted yesterday that the Halifax had phoned and offered me my charges since Jan this year as a goodwill gesture, which I refused.

Today I recieved a letter from them stating they would not refund my charges for the last 6 years.

The interesting thing is that I havent asked for 6 years yet...since I am in Scotland and can only claim £750 per claim, I am claiming one year at a time, and this is the first, strange they are assuming I will want all 6 years yeah?

Halifax acc 1: 1st request letter sent 20/4/2006

LBA sent 27/04/2006

1st action filed Kirkcaldy Sherriff court 03/05/06

 

Halifax acc2 (closed): 1st request sent 03/05/06

LBA sent 11/05/06

Capital 1: 1st request sent 11/05/06

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I am ready to spit nails!

I am at the LBA stage of my claim, I turned down their initial offer of £240, and now they have taken away my £250 overdraft on my acc and frozen it!!!:-x

 

I am disabled with MS and my monthly benefits went in to my acc today, this is the money myself AND my kids need to eat etc and the bl**dy b*stards have taken the lot!

 

I am ready to cry, we have no food, no gas or electric ( I use powercards)

 

I know if I keep going I'll beat them in the end, the law is on my side etc etc, but that could take at least another month, God knows what I'm going to do until then. I cant even open another acc to get my benefits paid into because my credit rating is so low (mainly thanks to them again)

 

I am seriously thinking of printing off leaflets telling people about this place and how they are all thieving sh*ts and handing them out in front of my local branch:o

 

If you are in a position to set up an umbrella acc, I strongly advise you to do it because the b*stards are fighting dirty!

 

Sorry to rant like this, and for the language, but I don't think I have ever been so angry in my entire life.

Halifax acc 1: 1st request letter sent 20/4/2006

LBA sent 27/04/2006

1st action filed Kirkcaldy Sherriff court 03/05/06

 

Halifax acc2 (closed): 1st request sent 03/05/06

LBA sent 11/05/06

Capital 1: 1st request sent 11/05/06

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So have you been left with no mney at all now?

 

If so that is completely disgusting. There has to be some avenue for you that someone can come up with. I just wish there was a way to help you out.

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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Oh no i really do feel for you:(

 

(((hugs)))

 

Have you tried calling them and explaining your situation?

 

That is really bad, they need to sort this out for you....you need something to live on, perhaps if you speak to the debt management deparment.

 

They are such bar stewards:evil:

Natasha

 

Abbey-received DPA letter on 13/03, received some breakdown till 2004 waiting for the more recent ones(where most charges occurred)

sent reminder email on 17/4/06

called abbey on 19/04/06 to remind them:rolleyes:

sent another email on 26/04/06:mad:

Approx charges £2500

received £500 refund in dec 06

sent LBA

Capital one- sent DPA letter 17/03

Sent prim letter for charges of £260 14/04

Received a refund £109 awaiting further refund of £151

Settled IN FULL

Barclay card- Sent DPA letter 17/03 sent reminder 14/04

received info claiming £120

settled in FULL

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Just wanted to add that if i was you i'd tell every national newspaper and New station to let them know this is how they treat vurnerable people!!

Dont get mad get even!

 

PS i have merged the two threads, it helps to know the history of you claim

Natasha

 

Abbey-received DPA letter on 13/03, received some breakdown till 2004 waiting for the more recent ones(where most charges occurred)

sent reminder email on 17/4/06

called abbey on 19/04/06 to remind them:rolleyes:

sent another email on 26/04/06:mad:

Approx charges £2500

received £500 refund in dec 06

sent LBA

Capital one- sent DPA letter 17/03

Sent prim letter for charges of £260 14/04

Received a refund £109 awaiting further refund of £151

Settled IN FULL

Barclay card- Sent DPA letter 17/03 sent reminder 14/04

received info claiming £120

settled in FULL

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BABES66

it doesnt matter whether you have a bad credit history, by law all banks have to give you an account, even if it is just a basic one, i have bad credit history, i recommend that you join with the co-op, as for the Halifax take them to court after sending the second letter by recorded deelivery and only give them 7 days.

i am now at the stage you are and i am pondering my next step as they increased their offer from £78 to £273, you will win in court and it is very doubtful that that bloke you talked to will attend anyway, dont call them on the phone any more deal by letter ok

best reguards Andy

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After another "get stuffed" letter following my LBA, I filed my first action today for £727 plus interest plus charges, and have sent a first request letter on my other acc (which has been closed already)

I was so scared going into the court to file my claim, I didnt even know where my local court was LOL! It was all very simple and easy though, to anyone out their who is petrified like I was, it's honestly easier than it sounds!

I was given a date of July 7th for my case, I can't wait..... now lets see them suffer for a change!

Its my sons 18th birthday next week and Ive had to tell him I dont have a gift for him because of them taking my overdraft away, but he'll get something nice when I get my money back!

Halifax acc 1: 1st request letter sent 20/4/2006

LBA sent 27/04/2006

1st action filed Kirkcaldy Sherriff court 03/05/06

 

Halifax acc2 (closed): 1st request sent 03/05/06

LBA sent 11/05/06

Capital 1: 1st request sent 11/05/06

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Guest Lueeze

Hello, I have merged your threads so poeple can follow your story, please stick to this from now on!

 

Thanks

 

Lou x

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Sorry I thought I had posted to my original thread!

Halifax acc 1: 1st request letter sent 20/4/2006

LBA sent 27/04/2006

1st action filed Kirkcaldy Sherriff court 03/05/06

 

Halifax acc2 (closed): 1st request sent 03/05/06

LBA sent 11/05/06

Capital 1: 1st request sent 11/05/06

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You will get there in the end mate - and it will be so worth it!;) x

Halifax -

LBA sent 12/05/06 for £1,232

 

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  • 12 years later...

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Halifax acc 1: 1st request letter sent 20/4/2006

LBA sent 27/04/2006

1st action filed Kirkcaldy Sherriff court 03/05/06

 

Halifax acc2 (closed): 1st request sent 03/05/06

LBA sent 11/05/06

Capital 1: 1st request sent 11/05/06

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