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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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how long to sort out a complant


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I started a complant aganst norwich-union back on the 27 febuary and i am still awating a answer.

today after i email them again i got this

 

 

Thank you for your e-mail of 4 April addressed to Joe Beesley at this office.

 

I've made further enquiries and understand from our Liverpool office hat their investigations are still on-going. I've asked that they update you.

 

Regards

 

Brian

 

Brian Spatchett

Customer Relations Manager

Chief Executive's Office

Tel: 01603 682972/Fax: 01603 685359

[email protected]

 

 

How long should i give them before i take this further.

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HERE IS THE EMAIL COMPLANT I SENT

I was involved in a motor accident on 30 august 2006 were my 1999 reg Rover 200 tdi was damaged. This incident has left me far from happy with the service your company.

First complaint –

After informing you that I had been in an accident and my car was not in a roadworthy state 2 hours after the acident, I was told somebody would be in contact with me in a few hours, I had to call you company again after two days to inform you that nobody had contacted me. Two days later a business card was sent to me in the post from a garage 30 miles from my home address asking me to contact them. When I called them they told me the only work on Renault cars hand had no provision to give me a courtesy car, which was part of my insurance agreement.

Second complaint

After further phone calls to your company trying to get things moveing a loss adjuster arrived at my home seven days after the accident, took one look at the car and stated “It’s a Rover so it’s a write of no mater what’s the damage” he give the car a quick look over never even trying to open the bonnet or look under the car to see if the was any structural damage, he then stated “You will be lucky to get a grand for that lump of rubbish”, he then left.

Several days later he phoned me and said “the car was only worth £1300 it that all right if I send that figure to the insurance company” to which I said ok, I was not made aware that this was me agreeing to this figure as the value of my claim.

Complaint three

Because of not being supplied a replacment car despite several phone calls asking for one I lost my job temping , because of the inability of me to due early shifts as their was no public transport available at that time of the morning.

Complaint four

I was in contacted by a recovery company from York 6 weeks after the initial incident saying they had been informed by you to remove my car. This was the first I had been contacted by anybody since the loss adjuster about my car, to which I refused to allow them to take my car. They said they get this a lot and would be in contact with me in due time. I rang your company again and was informed that I had agreed to the total loss of my car and a payment for the agreed amount was on its way, and their were no further costs or action to be taken on this policy. I sated that I had not agreed to anything or ever seen anything in writing on this agreement but I was told that the adjuster has stated I had agreed the price and it was now to late to do anything about it and also I should return the courtesy, car back to the suppliers as I was no longer entitled to use it, When I said I never received one their was a long silence on the other end and the phone was then disconcerted I called back once again and after explaining my story yet again, I asked if there was a way I could have the vehicle as I had been told by a local garage that they could do the work needed to put the car back on the road for £ 400, I was told there is no way I could have this car as it now belonged to your company and you never do anything like that. The payment arrive two days later with instruction for me to send you company the registration document, not the dvla as they state on their website.

Complaint five

I was then sent a two letters stating my insurance was cancelled at my request on 31 august 2006 and I owed you company a payment for the august payment although I was told the account was now clear and had no further payments. When I phoned you company to sort this out several time the phone was put down on me or I was transfer in mid conversation to another department, all the operators wanted was payment.

Complaint six

Today I received a second letter from a layer acting on the behave of the other party saying your company was not contacting them so if he did not receive any word he would be tacking action against me in the courts for the money due.

As you see I have been run raged by your company and its representatives and would like to know what your company will do about this?

As a act of goodwill maybe you should give me the costs of the courtesy car I never received although it was in the policy and supposedly your company was paying somebody for one, and I may have not lost my job.

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According to the FSA rules they should acknowledge your complaint in writing within 5 working days. If they haven't resolved the issue in 4 weeks you should get another response.

 

The final response should be within 8 weeks - or you can take them to the FSO

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that seems to be amazingly shabby treatment. I had a claim with NU in 2004 and it couldn't have gone easier so I'm really surprised at you treatment.

 

bed32 is spot on.

 

I have to agree - i put in a claim at 11am on Good Friday and within 3 hours the police had been round (fingerprinting) and NU picked up my car and dropped off a courtesy car and i received a total loss offer on Tuesday!

Cahoot - Rejection of offer sent 14/06/07

 

Barclaycard - S.A.R - (Subject Access Request) sent 22/03/07

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Lenny's story doesn't surprise me at all.

 

In 2001 my car was stolen whilst parked at a friend's house. A burglar broke in and took the keys.

 

NU took the car to one of their approved bodyshops rather than the BMW dealer I asked for. The work was substandard, and despite their assessor agreeing, it took them over a year to get the repairs completed satisfactorily. They also sent the cheque for the stolen hi-fi to the wrong address, never phoned back when they said they would, and their customer service was generally abysmal.

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