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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  
  • Our picks

    • 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
      • 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
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Homershairdo versus HSBC - This time it's personal....! - **WON**


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Hi all - long time reader (well, two weeks:) ) first time poster!

 

After reading this excellent site for the past couple of weeks, I yesterday decided to take the plunge and attempt to recover my charges for the past few years.

 

So last night I totted up has been taken by Lloyds TSB - which came to around £500 - but from reading the site they seem to be one of the more "fighty" banks (is that even a word?)

 

So I have started proceedings against HSBC - I last night emailed the DPA claim for details of charges etc for the past couple of years - hopefully something good will come from all this!

 

I have a question - I am / will be making a claim on my personal account - and I have heard that banks can be a little funny about keeping that facility open after such action - I also have a credit card which, although has a balance, has had no charges etc against it - would they likely close this also?

 

Many thanks for the excellent site - top notch!

 

Homer! (after the king of TV Homer J Simpson)!

My Timeline

 

Lloyds TSB - Moneyclaim issued 17/06/06 - £420

HSBC - LBA Sent 06/07/2006 - £700

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Guest Lueeze

Okay, you must send the DPA request recorded delivery with £10, otherwise they do not have to comply with the request!

 

Your credit card should be okay, but they may close your current account that your claiming on...open a parchute. It is unlikely your account will close as I dont think HSBC have done this as yet, Abbey have though!

 

Good Luck!

 

Lou x

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Go Homer, Go! I am trying to convince my hubby to do the same - he incurred a charge for just exceeding his overdraft in April 2005 and each month it snowballed. He ended up with an overdraft of £2500+ with nearly all of that amount being due to charges. HSBC have now instructed debt collectors!

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Guest Lueeze

Its okay...you will learn, Like I did...its all daunting to begin with but now im like a dog with a bone!

 

Hunkydory, you must start! Dont let them ruin your hapiness, that amount of Debt cant be stressfree!

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I know - but it's his decision! We sent a prelim letter and hubby balked at the answer as bank said no further correspondance on the matter. Like many people, I think he's to worried to take them on but I keep trying to persuade him!

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I know - but it's his decision! We sent a prelim letter and hubby balked at the answer as bank said no further correspondance on the matter. Like many people, I think he's to worried to take them on but I keep trying to persuade him!

 

Show him this site and the returned charges survey - now up to £300,000 with not one bank going to court. Surely that must tell him something!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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  • 1 month later...

All the statements came through when I was on honeymoon - for my account alone the total is touching £700, which was a shocker! Will send the first letter today, via both recorded delivery and email. I also have a joint account which also has these charges which I have also totted up - can / should I include the two accounts on the same action?

 

Had a look through the site in respect of account closure - is this something that HSBC seem to do upon a successful claim?

My Timeline

 

Lloyds TSB - Moneyclaim issued 17/06/06 - £420

HSBC - LBA Sent 06/07/2006 - £700

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Well, I personally am claiming for all accoutns seperately. I think however you can link them, together as long as the total claim amount is less than £5000. I think this is right. Have a look through the posts, there is loads of info on other people's threads about this.

 

Your DPA request can include ALL accounts you hold with a company, and as long as you asked for statements on all accounts in the letter, the one £10 payment should cover it all.

 

As for HSBC closing accounts, they don't seem to be doing that at the moment, but that doesn't mean they won't!! So, it's always best to open another account with a different bank (also called a parachute account). This way if HSBC to wanna be nasty and they close your account, you've got another one you can use!!

 

Hope this helps!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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  • 3 weeks later...

And as if by magic, just as I sent the LBA letter, I get home a find that a letter has been delievered from HSBC, offering £XXX, which is about 70% of my original claim. Obviously I am going to ask for the full amount, so should I follow the following steps:

 

a) send back the form etc saying thanks, can I have the rest?

b) ask them to ignore my LBA that was sent today

 

Or is there something else I should do - I am right in thinking that once they offer so much the rest is forthcoming??

 

Cheers!

 

Homer

My Timeline

 

Lloyds TSB - Moneyclaim issued 17/06/06 - £420

HSBC - LBA Sent 06/07/2006 - £700

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Don't tell them to ignore the LBA - what you said still stands, they need to pay up or you'll take them to court.

 

Send the following:

 

 

Dear Mr Banker

 

Thank you for your offer of £xxx.xx as part settlement of my claim.

 

Your offer is not satisfactory, although I am prepared to accept this sum, unconditionally, in part-settlement of my FULL claim of £yyy.yy.

 

I shall continue to proceed with my action to recover the remainder of my claim.

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

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Jolly Good - in this instance do you sign the agreement form, or simply add a cover letter stating further intentions without signing the form?

 

Ian

My Timeline

 

Lloyds TSB - Moneyclaim issued 17/06/06 - £420

HSBC - LBA Sent 06/07/2006 - £700

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Cheers, and it should follow the gist of thanks, but no thanks!! They normally (!) pay up after a couple of days after receipt of this letter.

 

Cheers for the help maverik - looks like you have been busy tonight!!

My Timeline

 

Lloyds TSB - Moneyclaim issued 17/06/06 - £420

HSBC - LBA Sent 06/07/2006 - £700

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Sent a letter back today to the bank - but crossed out the full and final bit, added part settelement, and added the following:

 

Dear Mr Langdale,

 

Many thanks for your letter dated 5th July 2006, and the subsquent offer of £xxx in partial settlement.

 

In this instance I feel that I am unable to accept your offer of settlement - I would however be willing to accept this amount as part settlement towards the claimed amount of £xxx.

 

Unfortunately, if we can not come to an agreement in this amicable fashion, I would have to continue my action.

 

Many thanks for taking the time to contact me and I look forward to hearing from you soon,

 

Kind Regards

 

 

Mr Homershairdo

 

Does this cover all the bases etc??

 

Cheers!

 

Homer

My Timeline

 

Lloyds TSB - Moneyclaim issued 17/06/06 - £420

HSBC - LBA Sent 06/07/2006 - £700

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Letter has been sent - hopefully(!) a little bit of money will be coming my way! Wish me Luck!!

 

Does anyone know of a decent bank account to open for those with a dodgy credit rating - I don't have defaults or any of that marlarky, but not the strongest score!

 

Cheers!

 

Homer

My Timeline

 

Lloyds TSB - Moneyclaim issued 17/06/06 - £420

HSBC - LBA Sent 06/07/2006 - £700

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Two days to go until raising a MCOL - hopefully something will come before then! Mrs Homershairdo is starting to claim hers back as well, so I need to show her how to do it!!

My Timeline

 

Lloyds TSB - Moneyclaim issued 17/06/06 - £420

HSBC - LBA Sent 06/07/2006 - £700

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Just to let you know that HSBC have agreed to refund the charges - letter came today! Thanks very much for all your help people! Just LTSB to do now!!

 

A donation and completion of the survey will be happening soon!!

 

Cheers!!

 

Homer

My Timeline

 

Lloyds TSB - Moneyclaim issued 17/06/06 - £420

HSBC - LBA Sent 06/07/2006 - £700

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Congratulations!!

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

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