Jump to content


  • Tweets

  • Posts

    • 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
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 161 replies
    • 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
        • Like

Me vs A&L


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6088 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Thanks seaside lady, I am just getting around to that.

 

However today I've received "Notice of Allocation to the Small Claims Track" (preliminary hearing)

 

"District Judge ***** has considered the statements of case and allocation questionnaires filed and allocated the claim to the small claims track.

 

Before the claim is listed for hearng, the judge has ordered that a preliminary hearing should take place because special directions are needed in this claim to prepare for the final hearing which the judge would prefer to explain to you in person

 

The prelim hearing will take place on 31st may at*******"

 

WHAT DO I DO? I never got an AQ, I haven't got my court bundle, prelim hearing what and why? I'm really panicing, if nowt else I can't get that day off work I know for sure!

 

I gather some judges are setting these preliminary hearings when you don't get an AQ to complete.

 

Have a look at this link, which explains it all and what you need :

 

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html#post553523

 

Like Janus says, you may need some guidance, so I'd contact a mod. to help you if no-one comes along to assist soon.icon7.gif

 

By the way, have you sent them a "nudge" letter to try to get them to settle before court?

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

  • Replies 135
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Try not to worry ... the bank's are the ones with all the explaining to do! I'm sure the vast majority of us feel the same.

 

With it only being a preliminary hearing, I really can't see you having to say much. Seeing as you didn't have an AQ, the judge will want to know the basics I would think like, whether you intend to have any witnesses, how long you anticipate it lasting, etc., so he can then give you his directions. He'll already know why you're claiming and what it involves.

 

I'm sure you'll be fine and only be in there for a matter of minutes.icon7.gif

 

Good luck and report back on how it goes.

 

x

  • Haha 1

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

Thanks MimiJane. I think I just need some reassurance, I can't talk about it to my friends, and my partner (helpful as he is trying to be) thinks I'm in too deep and only bad things will come of it.

 

I assume I just say I won't be having witnesses, but as for timescales, erm, I have no idea! Oh dear, what am I like!

 

In the AQ people are recommended to put 1 hour down (though I doubt it would take that long!). Don't think you'd need any witnesses.

 

With all our local judges treating our claims differently, it must certainly be keeping Wragges on their toes:rolleyes:

 

x

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

Just to say good luck for tomorrowicon7.gif It would be good if you can contact a mod. later to try to put your mind at rest and let you know what's involved. I'm sure you'll be OK and be sure to report back.icon7.gif

  • Haha 1

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

Let's hope that they don't turn up and don't bother sending a letter so you get judgement by default and it's all over for you ... fingers (and everything else) tightly crossedicon7.gif

 

Mimi x

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

Well doneicon7.gif Sounds as if you quite enjoyed tying the solicitor up in knotsicon10.gif

 

You obviously stated your case well for the 14 days and I'm really pleased it all went so well.

 

Keep us informed how you get on ...

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

Maybe the bank's solicitor turned up as "an example". They know we all frequent these forums and swap notes, so know we'll all be made aware of the fact. Another frightening tactic to make us think they'll turn up at the hearingsicon5.gif

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

Good idea ... a lot of this legal jargon goes right over my head (and others' I think :rolleyes:).

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

How about something like :-

 

Re : Claim No/Noisy v. A&L

 

I attended a preliminary hearing on .............., at which time I made the parties aware of an error regarding my claim for a refund of bank charges, which I now wish to amend. To clarify, I included statutory interest on my Particulars of Claim which I omitted to include on my charges schedule. It was agreed by the judge that I have until 7th June to rectify this and submit the amended figure to all parties concerned, together with a Witness Statement.

 

By submitting an amendment, I am aware that I am committed to paying a £35 non refundable amendment fee, in addition to a £40 fee which applies to the next cost band.

 

I trust this now clarifies my claim and apologise for any inconvenience caused.

 

Noisy, hope the above helps. I did it in a hurry (about to go out), so do check for accuracy and play about with it.icon7.gif

 

 

Mimi x

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

MJ that's great, but I wonder if i've not made myself 100% clear. my shedule matches my particulars, but the actual amount I put the claim in for doesn't match the two of them (because I didn't add the itnerest) Do we still think it would work?

 

You could substitute the first para. for something like this :-

 

I attended a preliminary hearing on .............., at which time I made the parties aware of an error regarding my claim for a refund of bank charges, which I now wish to amend. To clarify, I omitted to include statutory interest on my Particulars of Claim, although they do state this is included. The interest is also omitted from my charges schedule. It was agreed by the Judge at the above hearing that I can rectify this and have until 7th June to submit the amended figure, including interest, to all parties concerned, together with a Witness Statement.

 

Hope I've understood this time ... difficult to get your head around these different scenarios at times:rolleyes:

 

Mimi x

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

MJ you're a star, that's just what I wanted! I'm just brain frazzled after watching big brother last night and can't form a sentence without "Have it!" ;) I shall tweak that slightly and attach witness statement. Thankyou thankyou thankyou a million times!

 

No problem ... I'm off to the shops now and then going for a few drinksicon12.gif

 

I always say I'm not going to get involved with BB, but always end up watching it. Already I can see Tracy winning, the "different" ones usually do:rolleyes:

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

  • 2 months later...

Hi there,

 

Pleaseeeee don't pack it all in now after all your hard work so far:shock: Once the bundle's out of the way, it's plain sailing and you'll also get back your court fees, etc. Your court date's not far away, which means your money isn't far away either!

 

I'm so sorry you've been having a hard time of it and you must be feeling emotionally drained and exhausted, but this may help take your mind off things a little and you'll feel so proud of yourself when it's all over!

 

I'll have a look back over your thread to see if I can find what you need. If it's not there, please post your directions and I'll help you all the way.

 

Mimi xxx

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

Please post your "Directions" on here, i.e. what the judge has asked you to submit, so we can help youicon7.gif

 

Mimi x

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

Hi again,

 

You said you had to ring them for the details ... what did they say? Have you got to produce any sort of Statement of Evidence of Witness Statement as far as you know?

 

Mimi x

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

That's great if you've already submitted it. Presumably you've still got a copy so I'd submit the following :-

 

- Statement of Evidence

- Charges Schedule

- Bank Statements with charges highlighted (just the ones with charges on)

- Basic Court Bundle

- Copies of all correspondence you've sent and received from all parties

- Terms & Conditions for the start of your claim year and the end

- Relevant case laws

 

I'll send you my Document Index and some other bits and bobs to help. Shout for help with T&C's, etc. or any other reports you can't find.

 

Mimi x

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

Hi Noisy,

 

April 2007 here :-

 

http://www.alliance-leicester.co.uk/currentaccounts/ec03964.pdf

 

Just having a look for your 2002 ones now.

 

Mimi x

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

Can't find 2002 ... sure I've looked for these quite a few times before with no success. The nearest ones seem to be for July 2003 and I think people have been including these instead and making a note on the index that they're the nearest they can find :-

 

http://www.alliance-leicester-group.co.uk/html/csr/termsandconditions.pdf

 

It could well be that none were produced in 2002 so, if no-one else can help, I'm sure you'll be OK with these.icon7.gif

 

Mimi x

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...