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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
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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 
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    • 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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Diskmandave -v- Robinson, Way & Co - The Never Ending Story


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any response from TS Dave?

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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Hi Dave, Hi babybear,

 

I know exactly what you both mean, my own hassles have been rather quiet lately too.

 

Every time I come in from work I ask the other half if there`s any post and she always says no. In a strange way I feel rather dissapointed, LOL :confused:

 

 

N.P

Edited by N.P
Dodgy spelling

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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I'm the same now. I've got three battles on at present but its been nearly a month since one of them wrote to me. The other two haven't contacted me for over two months.

 

Must be something I said or wrote I suppose - like showing them I can fight back!

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Hi Dave, Hi babybear,

 

I know exactly what you both mean, my own hassles have been rather quiet lately too.

 

Every time I come in from work I ask the other half if there`s any post and she always says no. In a strange way I feel rather dissapointed, LOL :confused:

 

 

N.P

 

 

I'm glad it's not just me that does that!:D

 

I'm even at the stage I ring them with my OH details to find out why they haven't been in touch :lol:

 

Jogs

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Same here - no messages on the phone, only calls are people trying to sell me stuff, and nothing in the post. The calm before the storm:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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LOL guys its quiet for me too ;) I wonder if its something to do with the time of year?? April was a month when I was inundated with rubbish letters and phone calls - maybe as it was the start of the new financial year ??? Now I have seen them all off there's been nothing in the post but leaflets for double glazing, stair lifts and pizzas :eek:...all very boring!! (hope I don't speak too soon).

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Maybe they can't find replacement cartridges for their threat-o-matics. They are getting a bit old. Cue picture DMD.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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caveman.jpg

 

Errrrr, how do you spell DMD? Is it errrrrr D, errrrrmmmm derrrrrr M, yeah, D, ugggh errr DMD, yeah that`s it :confused:

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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:lol::lol::lol:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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subscribing.

 

Its taken me four hours but I finally managed to read it all!

 

Its inspired me to get back in the fight with my DCAs- they seem to travel in packs :)

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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you guys think its quiet.

 

Most of my companys gave up at the first hurdle, yes after recieving a cca request and then either sending me a letter saying we have nowt or recieving a non compliance letter as they have not supplied a cca with my sig.

 

The only ppl writing to me seems to be studio cards who get there lovely letters back with no stamp. They need to learn manners a simple please gets u a long way.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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OMG Dave!

 

I can't believe this thread is still going. I haven't contributed since Aug 07! I had to start from page 24 to catch up.

 

It's good to see everyone is still around, Curlyben, ODC, spiritgirl, babybear to name but a few.

 

I had a battle of my own with RWC which I didn't serialise, as I have quite a few things going on at the moment, however I'm pleased to say that they've stopped writing and phoning me (remember my 3 calls a day, EVERY day). They had the cheek to pass my debt on to Scotcall, then on to Capquest (yes whilst in dispute), who I sent packing. So I've not had any DCA fun myself in over 6 months.

 

They will give up eventually. I'm surprised they haven't sold your debt on though. That's what they did to me the cheeky tankers!

 

Anyway I will be keeping a closer eye on proceedings from now on. :p

 

deedee xx

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My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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  • 5 weeks later...

2 calls today... They must have run out of pensioners and soft targets today?? :rolleyes:

 

1st one at home, obviously not in...

2nd one to mobile which I missed and called back...

 

Ring....

RWC: Good morning you're speaking to James at Robinson, Way. How can I help today. (I've had James before, total hothead, this won't last!!)

Dave: I'm returning a missed call.

James: Can I take the number you're referring to please.

Dave: Yep, it's 079..............

James: Mr B I presume...

Dave: Yes what do you want.

James: I can't see why we would have called you, we don't deal with you anymore (i'm that good?!)... I can only assume that it's about the letter we sent you in March that you failed to respond to..

Dave: I didn't fail to respond to it, I sent it back unopened and stamped JUNK MAIL like I said I would.

James: You're not helping yourself Mr B.. I'm going to send this to legal action and....

Dave: Aren't we doing security then James?

James: Can I take your date of birth and home postcode then please..

Dave: No, I don't give out personal details over the 'phone....

James: balloon-burst.jpg

:-D

Mr B.. *DO NOT* ATTEMPT TO SPEAK TO ME LIKE THIS..

Dave: That's a very authoritative voice James, were you trained how to do that?

James: I'M SENDING THIS TO THE SOLICITORS RIGHT NOW!

Dave: Ohh, you mean Horwich Farrelly who're registered at your Salford address, however, on the Law Society website it states no solicitors are registered there...?

James: YOU CAN'T POSSIBLY KNOW THAT, AND I'M NOT SITTING HERE BEING LECTURED BY YOU MR B...

Dave: Well, f**k off then...

James: Went off into a total rant about hell, debtors and damnation...

Dave: Careful James you'll split your a**h*le.

James: I'M SENDING THIS FOR COURT RIGHT....

Dave: you're talking b*ll*cks James...

James/Dave: Next 30 Seconds.. Mr B../F**K off... Mr B.../F**K off..... Mr B.../F**k off........ (you see where this is going...!)

Dave: Your an idiot James........ CLICK... Bye then.... :-D

 

I'm going to nip this in the bud and get a harassment warning out to them via their Comp's Procedure tonight.

 

Funny how he started off saying that they didn't deal with me anymore, and then just couldn't resist going into money and argument mode!! :lol:

 

Do a letter after tea me-thinks.. :D

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I think I'm going to print that out and frame it.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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