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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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    • 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
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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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Tanzarelli v Cap One... £ + default **WON**


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Just phoned Carolyn Parsons and agreed to email her a copy of the letter to the court. Added a quick note to acompany the letter which read:

 

Hi Carolyn,

 

I am enclosing, as promised a copy of the letter to Worcester County Court, which I withdraw my claim. I will send a signed copy of this letter to yourself via standard post to the Trent House, Station Street address at the top of you last letter of 15 May 2007.

 

Thank you for your assistance in this matter, and hopefully Capital One can avoid similar actions in the future by reducing its late payment and over limit fees to a level which would be proportionate to your actual liquidated losses, somewhere around the 50p mark would be a good place to start. This would save us all a lot of time and trouble and would avoid wasting the courts valuable time.

 

Regards

 

Lol one last dig. PMSL

 

Well Done Tanz - so glad you got that sorted.

ROFPMSL 50p :D

 

I am just waiting to see whether Cap1 file their amended defence etc..

they have till 4pm tomorrow!!! I wonder how they'll explain to Judge all about their "porkies"? :rolleyes: Sure will make interesting reading :-D

 

I shall phone court late tomorrow afternoon to see whether they filed or not!!!

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Guest Botsy

Well done Tanz, that must be a weight off your shoulders, very pleased for you!

 

I received my court date today for August, it states I have 7 days to make an application to have it set aside, varied or stayed if I object to the Order. Not sure what that entails or why I should have it set aside etc.,

 

Does anyone know if this is usual?

 

Cheers

Botsy

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Tanz, good to see you got it all sorted at last. Just goes to show though - they can move quickly when they need to.

 

Yes when it suits them, if I had withdrawn earlier it would still have the default on one of my files, so worth hanging in there.

 

Well done Tanz, it's about time they listened to you instead of ignoring you. Had they have listened in the first place it would not have got so close to a court date!

DS

 

Muppets is all I can say. lol

 

Well done Tanz, all that hard work paid off, it's just so sad they put us through so much before they cough up. Enaid x

 

Thanks enaid, wheres my £100.74.

 

Well Done, Tanz, so glad you got it sorted, all your perseverance and hard work has paid off!!

 

glav:)

 

Thanks mate

 

Well done Tanz, that must be a weight off your shoulders, very pleased for you!

 

I received my court date today for August, it states I have 7 days to make an application to have it set aside, varied or stayed if I object to the Order. Not sure what that entails or why I should have it set aside etc.,

 

Does anyone know if this is usual?

 

Cheers

Botsy

 

Cant see why you would want it set aside, a bit ealrier perhaps. lol

 

Thanks anyway.

 

May you all have unlimited success.

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Tanz,

 

First of all , gongrats on your success.

 

Last year, i recived letters saying that i owed Lloyds TSB £0.00 on my loan. I was still paying it at the time, and just shrugged off the letters, which arrived each month.

 

Eventually, i sent them a cheque for £0.00, and the daft letters stopped.

 

Now i have found that these letters have registered as unpaid with Experian (and i assume the other 2), and have knocked 300 points of my credit rating.

 

Experian have said there is nothing they can do, and LLoyds TSB refuse point blank to remove the so called missed payments.

 

Although i have read through you post, i find some of your terminology confusing. Where do i start in getting this injustice removed?

 

Thanks in advance.

[COLOR=#2e8b57][B][SIZE=1][U]Claimed & won so far[/U]:-[/SIZE][/B][/COLOR] [COLOR=#2e8b57][SIZE=1][COLOR=seagreen][U]Banks[/U]:- NatWest Personal £1000, Natwest Business £2000, Lloyds TSB Personal £1500, [U]Mortgages[/U]:-Central Capital (PPI) £500, Natwest MEAF £140 [/COLOR][COLOR=#2e8b57][U]Credit cards[/U]:- HSBC Gold card £365, Capital One £599.55 Barclaycard £1070 ( i only aske for £700) , Lloyds £500 [U]Catalogues[/U]:- Littlewoods Direct Flex Account £60 :D [/COLOR][/SIZE][/COLOR] [COLOR=#2e8b57][SIZE=1][B][U]For Friends[/U][/B]:- Natwest £1500, £1800 & £500, Cap One £600, Barclaycard £400, Solutions £100, Aqua, £105.[/SIZE][/COLOR] [COLOR=#2e8b57][B][U][SIZE=1][COLOR=seagreen]Pending:-[/COLOR][/SIZE][/U][/B] [COLOR=seagreen][SIZE=1]Barclays Bank Personal (On hold - Thanks a lot OFT) :mad:.[/SIZE][/COLOR][/COLOR]

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Will do - many thanks!!

[COLOR=#2e8b57][B][SIZE=1][U]Claimed & won so far[/U]:-[/SIZE][/B][/COLOR] [COLOR=#2e8b57][SIZE=1][COLOR=seagreen][U]Banks[/U]:- NatWest Personal £1000, Natwest Business £2000, Lloyds TSB Personal £1500, [U]Mortgages[/U]:-Central Capital (PPI) £500, Natwest MEAF £140 [/COLOR][COLOR=#2e8b57][U]Credit cards[/U]:- HSBC Gold card £365, Capital One £599.55 Barclaycard £1070 ( i only aske for £700) , Lloyds £500 [U]Catalogues[/U]:- Littlewoods Direct Flex Account £60 :D [/COLOR][/SIZE][/COLOR] [COLOR=#2e8b57][SIZE=1][B][U]For Friends[/U][/B]:- Natwest £1500, £1800 & £500, Cap One £600, Barclaycard £400, Solutions £100, Aqua, £105.[/SIZE][/COLOR] [COLOR=#2e8b57][B][U][SIZE=1][COLOR=seagreen]Pending:-[/COLOR][/SIZE][/U][/B] [COLOR=seagreen][SIZE=1]Barclays Bank Personal (On hold - Thanks a lot OFT) :mad:.[/SIZE][/COLOR][/COLOR]

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Hi Tanz, no news with my claim yet but hubby got letter today offering full charges, CCI and court costs plus removal of default. Big thanks to you and also smel for taking the stand with them in regard to default removal, it has made it easier for everyone who has followed your actions.

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Guest Botsy

Doo

That' good news about your hubby's charges. Did he have to start court action?

 

I've got my court date in August, we shall see!

Botsy

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Yes, we filed N1, he received an acknowledgement of service on the 14th day, 4 days later he got offer of full amount and default removal.

 

I need to remind myself again of your case, I will visit your thread.

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Hello Tanz and belated congratulations on all you have achieved both for yourself and the continuing help you are giving to others with your sound advise.

Could you do me a favour please I have asked a number of questions regarding a Lloyds account I am fighting for my Son in law and up to now I haven't recieved any replies.

It can be found at Mightyquinn V Lloyds see what you think.

 

Thanks in advance for your help....John

 

PS its not the same without the eye!

If You are on benefits you must read this

 

Social Security Administration Act 1992

Miscellaneous

Certain benefit to be inalienable **

 

187- Subject to the provisions of this Act, every assignment of, or charge on-

(a)benefit as defined in section 122 of the Contributions and Benefits Act;

(b)any income-related benefit; or

©child benefit,

and every agreement to assign or charge such benefit shall be void; and, on the bankruptcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors

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Hi Tanz, no news with my claim yet but hubby got letter today offering full charges, CCI and court costs plus removal of default. Big thanks to you and also smel for taking the stand with them in regard to default removal, it has made it easier for everyone who has followed your actions.

 

Thanks doo, and well done for your hubby's success.

 

Hello Tanz and belated congratulations on all you have achieved both for yourself and the continuing help you are giving to others with your sound advise.

Could you do me a favour please I have asked a number of questions regarding a Lloyds account I am fighting for my Son in law and up to now I haven't recieved any replies.

It can be found at Mightyquinn V Lloyds see what you think.

 

Thanks in advance for your help....John

 

PS its not the same without the eye!

 

I'll pop and a have look.

 

Tanz

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Tanz, you wouldn't have an up to date fax number for a contact in capital one, would you. I'm trying to finish crap 1 off for my son and although I'm doing rd's, I want to fax the clowns as well!

 

Cheers and well done.

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Hi Tanz,

 

Phew have just finished reading your thread - what a compelling read! WELL DONE AND MANY CONGRATULATIONS.

 

Am just about to start with CapOne received my statements within 2 weeks (!) am gobsmacked. Now the fun starts - your thread will be my "BiBle" through the process -hope you don't mind.

 

xxx Woody xxx

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Just been offered the difference between £20 and £12 back, and its been credited to my account.

 

I take it i refuse?

[COLOR=#2e8b57][B][SIZE=1][U]Claimed & won so far[/U]:-[/SIZE][/B][/COLOR] [COLOR=#2e8b57][SIZE=1][COLOR=seagreen][U]Banks[/U]:- NatWest Personal £1000, Natwest Business £2000, Lloyds TSB Personal £1500, [U]Mortgages[/U]:-Central Capital (PPI) £500, Natwest MEAF £140 [/COLOR][COLOR=#2e8b57][U]Credit cards[/U]:- HSBC Gold card £365, Capital One £599.55 Barclaycard £1070 ( i only aske for £700) , Lloyds £500 [U]Catalogues[/U]:- Littlewoods Direct Flex Account £60 :D [/COLOR][/SIZE][/COLOR] [COLOR=#2e8b57][SIZE=1][B][U]For Friends[/U][/B]:- Natwest £1500, £1800 & £500, Cap One £600, Barclaycard £400, Solutions £100, Aqua, £105.[/SIZE][/COLOR] [COLOR=#2e8b57][B][U][SIZE=1][COLOR=seagreen]Pending:-[/COLOR][/SIZE][/U][/B] [COLOR=seagreen][SIZE=1]Barclays Bank Personal (On hold - Thanks a lot OFT) :mad:.[/SIZE][/COLOR][/COLOR]

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Just been offered the difference between £20 and £12 back, and its been credited to my account.

 

I take it i refuse?

 

 

There is a letter in the template library to accept this as "part payment" - saying you still want the remainder and will be continuiing your claim etc..

 

Don't accept this offer at all - tell them you want all of your money back.

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Hi Tanz,

 

Phew have just finished reading your thread - what a compelling read! WELL DONE AND MANY CONGRATULATIONS.

 

Am just about to start with CapOne received my statements within 2 weeks (!) am gobsmacked. Now the fun starts - your thread will be my "BiBle" through the process -hope you don't mind.

 

xxx Woody xxx

 

Not at all if its of use to you feel free.

 

Just been offered the difference between £20 and £12 back, and its been credited to my account.

 

I take it i refuse?

 

Reject it see here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

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Congratulations Tanz. Default removal is so important for your future credit. Glad you made them see sense.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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