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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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    • 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.  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Blueloobylou V. Woolwich


Blueloobylou
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Hi,

 

Im fairly new to this site and have been reading and lurking for the last few weeks and want to give everyone a big "cyber" pat on the back for finally making a stand against the banks! :grin:

 

I have read and digested every bit of information I can and, on 6th Feb 07, sent my S.A.R - (Subject Access Request) to the Woolwich for charges which, to my reckoning could total over £2,000. (Im also going after Capital One and Barclaycard but I will post those details on the relevant forums).

 

I shall post at each step of the way, as reading your posts has encouraged me and given me the confidence to challenge the Woolwich who, I now realise, have systematically robbed me over the years! :mad:

 

Good luck to everyone. Im sure I'll be along soon with many questions.

Blueloobylou

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Hi Looby

Welcome,

Seems like you have everything in hand just have a read of the forum while your waiting to see how others have got on.

Enjoy.

AL;)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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  • 4 weeks later...

Hi again,

Well, I have today received a letter from Barclays offering me a goodwill gesture of £1000 in full and final settlement. As I suspect my bank charges are over £2000, I wont be accepting this (not in full and final settlement anyway).

The strange thing is, I still havent received my bank statements - they have just sent me this offer? I have phoned them today to say I wont be responding until they send my bank statements. They have until 17th March to do this.

Has anyone else had this happen to them - offer of goodwill gesture BEFORE actually receiving details of bank charges? It just seems a very strange way to do things.

Blueloobylou

Blueloobylou

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Hi BlueLoo

Just wait for your statements to arrive. Dont bother wasting your money ringing them unless of course your bored or have no friends to talk to (but im sure you have).

Send them the rejection letter here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html and edit it to your own means. At least the woolwich know you want your money back so thats a result, you now just need to be determined and patient. :)

 

AL

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Hi Bluelooby

 

I'm about 2 weeks behind you timescale so thanls for the warning that the next letter I receive may well be an offer rather than my charges statement.

 

Out of curiousity, did the offer you received today have a deadline for you to respond and if so, was the deadline before the day your SAR 40 day is up?

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Welshcakes

The timescale on their offer is, not worth the reading time, you want to know what they removed from your account, unlawfully, nothing more, nothing less. If what they offer is below that amount send the rejection letter and get on with reclaiming what is rightfully yours.

 

AL:)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Hi e28

 

Without having my statement, I would not be in a position to know whether their offer was for the ful amount though ... am I being naive? If we receive, like Bluelooby, an offer before our statements, should we all just assume that the amount being offered is way off what we are owed?

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Hi e28

am I being naive? If we receive, like Bluelooby, an offer before our statements, should we all just assume that the amount being offered is way off what we are owed?

 

No not naive at all, but the woolwich would like to keep as much of your money as possible.

They are bound by the law to supply your statements within 40 days (they used to send offers out after the LBA letter, so perhaps by sending offers earlier they save money if you accept) so you are right to wait for them. :)

 

Assume they are way off, yes by at least 50%

 

AL:D

  • Haha 1

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Well, Ive been in shock for most of the day so sorry if I didnt get back to you sooner. ;)

 

I phoned Barclays this afternoon to tell them I hadnt received my statements so wasnt in a position to agree any "good will gesture". After repeating several times, this was their "full and final offer" (yeah, right), they referred me back to the Woolwich who they very kindly :| put me through to. After much confusion, and being told that they hadnt received a SAR from me, I was then transferred to about 3 other people, the last one very kindly telling me they had "found" my SAR.

 

He told me that the figure of charges over the past 6 years had been given to Barclays who had then sent me the letter.

 

Wait for it - the total amount of charges is £9900!!! He's getting the statements in the post to me today - and apologised that I hadnt received them.

 

So - with interest, this is going to be one hell of claim and obviously I wont be receiving Barclays measly offer! :p

Blueloobylou

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Hi Welshcakes,

 

No, they should send you the statements first. I suspect that as mine was such a huge amount, they conveniently forgot to send them out, hoping Id accept the £1000 goodwill gesture!!

 

The offer from Barclays advised me if I accepted the £1000 it would be in my account within 7 days. There was a slip on the back that I had to sign and return to them, accepting their offer. This had to be returned within 8 weeks or they would close my claim.

 

Bluelooby

Blueloobylou

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Hi Blue

 

I've been looking through the intermittent old statements from my account and I have a funny feeling my charges etc are going to be over the magic £5k figure. Just goes to showdoesn't it, that your own first reckonings were only around £2k. You must be so excited about all that (your) money coming back to you before Summer!

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Hi Welsh,

 

When I looked through my old statements, I knew that the minimum would be about £2000 but I did have a lot of statements missing (about 3 years worth!) but couldnt remember if Id had charges levied against me for that period. Obviously, the majority of the charges were during those "missing statement" years. Its unbelievable isnt it? :o

 

Im really trying not to "spend the money in my head" until Ive got it safely back in my bank account but its hard, I can tell you. ;)

 

It'll be interesting to see what comes back with your list of charges - you might be in for a nice surprise. :D

 

Bluelooby x

Blueloobylou

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Hi Guys

Just had a thought - the Woolwich only sent me a list of charges. They were not statements so I have no way of knowing if the list is correct or not.

Will they automatically send me the statements also? Or does the wording of the SAR allow them to get away with just sending a list of charges?

Thanks

Blue

Blueloobylou

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Hi Blueloobylou , I am just slightly in front of you and am getting worried as I haven't received any offer yet and I have my list of statements ( over 13k ) and I am on day 10 of the LBA . Does anyone know if it is true I need £450 to take a claim of this amount to court !!!!!!!!

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Hi Blueloobylou , I am just slightly in front of you and am getting worried as I haven't received any offer yet and I have my list of statements ( over 13k ) and I am on day 10 of the LBA . Does anyone know if it is true I need £450 to take a claim of this amount to court !!!!!!!!

 

no its £250 for your claim. offer makes no difference as it wont be the full amount. file on 15th day.

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Hi Blue

 

Woolly's 14 days to respond to you is up tomorrow isn't it? I don't suppose you've had any response...

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Hi Welsh,Thanks for your message.

 

Woolly have until 30th March to respond to me - no response as yet. :mad:

 

Then it will be LBA time, I think.

 

Hows your claim going? I havent been on the site for a few days so Im just off to check on your progress. :)

 

Blue x

Blueloobylou

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Woolies "aimed" to resolve by 30th (in response to my SAR request). Nothing through however the 40 days by my schedule isn't up for them til 4th April. I'm not going to bother giving them the +2 days for postage as they seem to draw theses things out at every stage so I'm sure my claim won't fail on a postage times technicality!

 

Will ring them on Monday morning to tell them they have til Wednesday for me to have received statements.

 

I suspect they really are swamped and likely have a backlog of work however this is not my problem and one on the easiest solutions for them is to start giving out no quibble full refunds upon written request.

 

This 40 days seems to have taken forever! :)

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Hi, sent off first letter to Woolwich on 27/03/2007 and today they have sent me a letter telling me they are looking into my issue and will get back to me by 30 April.In my first letter i had given them 14 days to respond and they have done so earlier.Should i wait for till day 13 then send off the LBA or i can do it right away?

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Stick to the timescales laid down here http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html READ THEM NOW

 

If it is time to send a prelim letter, or an LBA send it, if you wait for them you will be waiting and waiting, waiting ,waiting....................

 

And if you havent already got your own thread start one now Vdiddy

 

AL;)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Hi vdiddy

 

If you haven't already done so, start a thread vdiddy -v- Woolwich. That way you'll get step be step answers to all your queries as you go through the process.

 

Have you read the step by step guide yet? :)

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Woolies "aimed" to resolve by 30th (in response to my SAR request). Nothing through however the 40 days by my schedule isn't up for them til 4th April. I'm not going to bother giving them the +2 days for postage as they seem to draw theses things out at every stage so I'm sure my claim won't fail on a postage times technicality!

 

Will ring them on Monday morning to tell them they have til Wednesday for me to have received statements.

 

I suspect they really are swamped and likely have a backlog of work however this is not my problem and one on the easiest solutions for them is to start giving out no quibble full refunds upon written request.

 

This 40 days seems to have taken forever! :)

 

Welshcakes the timescales are there for a reason, that includes the post (2 days 1st class). Thats what the court recognise as resonable time for a letter to be recieved.

And dont phone Helen, Rob or whoever at the woolwich, write, send the letter recorded then you have a record of giving them ample opertunatey to supply your statements.

40 days is a long time but not in the timescale of the 6 years you could be trying to claim back.

Just to let you know i statred my woolies claim back in june 2006 it was finalised in Jan 2007 so it takes a while sticking to the timescales. Do it right not how you think it should or could be done:D .

 

AL;)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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