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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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Lowell Backdoor CCJ for old Sky Debt..***Claim Discontinued***


Cosmicdancer
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Not an update but a query.

 

The court date for the CCJ was 02/03/2022 ( 2nd March this year )

am I right in thinking if I paid it within 28 days it can be removed from my credit file? Or is it 14 days?

 

I would then be looking at Sky to compensate me my money when my proof is there.

I’m just worried this delay from Sky is a cover up for the proof I need and I’m going to be stuck with this for 6 years .

 

Thanks! 

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paid within 28days get it removed from the public register of judgements. Yes.

 

but you are slipping again...

sky are nothing to do with the judgement nor who took you to court..

 

there is not 'cover-up' upon sky behalf nor any need for them to do so...they sold the debt..wiped their hands of it.

 

had you written to everyone on your credit file ...updating them with your correct and current address, you would not be in this .... i would have thought you would have learned this from all the passed dealing on debts/CCJ's here. even if it was just a friends address till you settle.

 

dx

 

 

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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Ok thanks Dx.

 

I just meant is there any chance of claiming it from sky considering I don’t owe this debt .

 

I will be updating Lowell with my address this week via post.

 

Is there certain wording I must include so they can’t mark me as “acknowledging debts” thanks ! 

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Update :

received a county court letter today saying the claim has been transferred to my local county court to deal with the application for the order of setting it aside .

 

Also someone at Sky has informed me they have the comms notes about my requested cancellation ,

 

however I did mention on that phone call I had no money no possessions etc to pay any cancellation fee..

 

weeks after that my ex partner tried to change the name etc on the account and continued to pay the account which kept it live..

 

the sky representative told me there was an indemnity on the account from 2017 and a substantial amount of money was claimed back ( obviously not from me ) .. so.. where do I stand with this one ?

 

Apparently sky have proof they emailed me about this indemnity but I can’t remember reading any emails from them .... 

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await the N180.

 

so should be  a walk in the part of theres proof you were not there and someone tried to change the name on the account.

 

this is why it was so important to await the SAR BEFORE you sent the N244 off!>

 

would be nice to see your N244 and statement.

 

a letter simply informing debt owners you have moved cannot reset any debt SB date.

 

 

 

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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I know that now.. sorry!

 

Just another quick question please .. so if this set aside hearing goes ahead and if by somehow the claimant manages to win ( doubtful)

 

would that reset the 28 days to pay it in full to remove the CCJ or is it a case that has to be paid from 28 days of the original court hearing (2nd March) .

 

If I have to fill anything else in I will try and get everything scanned and put on here for you to see. Thanks!

 

On 10/03/2022 at 10:28, dx100uk said:

I wouldn't worry about paying an old ccj. They arent chasing and paying a ccj outside of the 1 month does not remove it. A satisfied ccj is as bad as a non one with regards credit. It still kills it for 6yrs.

 

Please read my last post and answer my questions

 

Dx

Sorry to quote but have done for easy reference ...

 

in regards to the old stagnant ccj..

 

in 2019 this was also a back door CCJ from a property vacated in 2015 .

 

The date on the judgement date in 2019

 

I can prove I was in a really bad mental state this was only a couple of months prior to a sectioning and hospital stay.

 

Would that be grounds to set it aside and use my affordability check as a reasonable grounds for defence?

 

Thanks 

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best create a new thread for this other ccj

 

dx

 

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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1 hour ago, dx100uk said:

await the N180.


 

 

 

 

Have to wait and see if the application to set a side is successful before any allocation.

 

1 hour ago, Cosmicdancer said:

I know that now.. sorry! Just another quick question please .. so if this set aside hearing goes ahead and if by somehow the claimant manages to win ( doubtful) would that reset the 28 days to pay it in full to remove the CCJ  No or is it a case that has to be paid from 28 days of the original court hearing (2nd March) . Yes If I have to fill anything else in I will try and get everything scanned and put on here for you to see. Thanks!

 

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opps getting ahead of myself...

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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  • 2 weeks later...

I have received the SAR request via email . It’s a Dropbox link with a password.

 

Within a minute of searching I found a confirmation of cancellation with a cancellation date .

 

Would you like to see this?

 

Is this the only proof I will need or should I dig further?

 

Thanks!

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Were you not also lndicating you were not living there when a reclaim was made?

On 23/03/2022 at 10:16, Cosmicdancer said:

Update : received a county court letter today saying the claim has been transferred to my local county court to deal with the application for the order of setting it aside .

 

Also someone at Sky has informed me they have the comms notes about my requested cancellation , however I did mention on that phone call I had no money no possessions etc to pay any cancellation fee.. weeks after that my ex partner tried to change the name etc on the account and continued to pay the account which kept it live..

 

the sky representative told me there was an indemnity on the account from 2017 and a substantial amount of money was claimed back ( obviously not from me ) .. so.. where do I stand with this one ?

 

Apparently sky have proof they emailed me about this indemnity but I can’t remember reading any emails from them .... 

 

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

Yes that’s correct but there isn’t anything in the SAR that mentions anything about a reclaim from what I’ve seen so far .. just state seements with direct debit reversals .

 

I’ve got recorded phone calls from this year in regards to me containing any information 

 

the sky representative has said someone tried to change address etc after cancellation but none of this is on my SAR.

 

What do I need to do now then in regards to this not at address thing?

 

They don’t have the phone recordings from back then . Just the cancellation letter and then statements from the months that follow . 

Edited by dx100uk
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Please take the trouble to space your posts in sentences. With blank lines

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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Sorry .. i will do in the future.
 

I’ve called Northampton county court to ask how to submit this further evidence and they said they basically can’t help me with anything because it’s now at my local court..

 

Does this mean it’s been allocated for a hearing? 
 

Also referring to my previous post , what reasonable steps can I take now to get this to an easy as possible victory please? 
 
Thanks!

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why not ask us...

you are awaiting allocation 

 

dx

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

Ok I will ask.. should I submit this letter confirming the cancellation?


If so where to and how? 

 

As far as the proving I wasn’t at the address ..

 

I’ve got the most recent phone call as a .mp3 file from a Sky agent who told me she could see someone had tried to change the details on the account etc ..

 

however this was not in any of my SAR .. ( only the .mp3 with what she told me )

 

thanks...

Edited by Cosmicdancer
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in your statement, when the time comes.

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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...

Update: I have been given a court date . 25th May 2022.

 

However no further forms to fill in?

 

It’s a telephone hearing.

 

I’ve spoke to the court and I can submit further evidence via email .

 

So should I send my confirmation of cancellation letter ( 2016?) how can I go and prove i didn’t claim this money back and I wasn’t there?

 

Or will be cancellation letter be sufficient ? Thanks!

Edited by Cosmicdancer
Spaces for dx
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Quote

However no further forms to fill in?

 

Please scan redact and upload a copy of your Notice of Hearing (N244) then we can confirm the courts directions in preparation of the hearing.

 

Andy.

 

 

 

.

We could do with some help from you.

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Correct...is there not a second page advising what documents or statement to submit ?  or did you submit a full defence with your application ?

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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That's your application n244...nothing on the reverse of the N244a Notice of Hearing  ?

 

 

.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Nope nothing just my name and address ( was used in the window of the envelope ) 

 

I don’t know why on my copy of application there is no boxes ticked for how I’d like to deal with the case e.g hearing , telephone etc ..

 

I filled in 3 separate forms word for word and sent them to the court because of no access to photocopier 

 

I ticked at a hearing so don’t know what’s happened there 

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