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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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      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.

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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.
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      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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GOT A COURT DATE? Important, please read......


GaryH
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Hi im confused.

 

I have received a copy of Lloyds Defence no court date mentioned on letter.

 

Do I have to send a bundle now. Is it mandantry to do this as I thought the court would have sent me forms to complete or will they use the initial statement made with the claim.

 

Please help very confused.

 

Also on the bundle there is the peter mcnamara thing which says to include should I just print off the whole page or should I copy and paste it to word document then print.

 

Any advice would be gratefully received

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Hi I am as confused as to what to put in the bundle as JasonBall24 - so would also be greatful for advice.

So far I have got together my list of charges, have created a spreadsheet of these charges. Got all correspondence between myself and Lloyds but not sure what else should be included. Big thanks for any help.

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I have a letter in which Martin Orton states that Lloyds' charges exist - "in order that we can recoup our costs". This was in response to a direct request to justify their charges, and no mention was made in the letter of them being any sort of "service charge". Please PM me with either your address or your e-mail address and I will post/send this to you to include in your bundles.

 

Gary could you please send me this

 

many thanks

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Hi im confused.

 

I have received a copy of Lloyds Defence no court date mentioned on letter.

 

Do I have to send a bundle now. Is it mandantry to do this as I thought the court would have sent me forms to complete or will they use the initial statement made with the claim.

 

Please help very confused.

 

Also on the bundle there is the peter mcnamara thing which says to include should I just print off the whole page or should I copy and paste it to word document then print.

 

Any advice would be gratefully received

 

Hi

No need for the Court bundle yet, wait to hear from the Court. You should get a Court date and on that letter will be when you need to submit your bundle.

If you start up your own thread, you can ask any questions on there.

Good luck!

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi I am as confused as to what to put in the bundle as JasonBall24 - so would also be greatful for advice.

So far I have got together my list of charges, have created a spreadsheet of these charges. Got all correspondence between myself and Lloyds but not sure what else should be included. Big thanks for any help.

 

Hi

Here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Thread one tells you what is needed, but yes i think I got a bit confused because in addintion I would have thought a copy of your POC, defendants defence, copy of AQ everything related to your claim, anyway I have stuck a copy of everything in it and they will have it by now so it's to late to worry. when is your hearing

 

Pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Hi Pen,

 

Sorry not sure if your question is for me or Jasonball24.

Anyway I haven't got a date yet - just getting prepared as don't want to be doing it all in a rush and get it wrong

Thanks and will update when known. :)

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Hello, I have just received a an order from the court that the case is to be transfered to the mercantile and commercial registry at the Royal Courts of Justice what does this mean for my claim?

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Leeds I take it?

 

First of all you need to start a thread - http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=11

 

Post the order up in full and someone should be along to help you:)

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Lloyds specific Witness statement for inclusion in court bundles. Amend to suit;

 

 

 

© Reclaim the Right Ltd.

 

Gary, For the prelom hearig, do I need Mr Ortons letter?

Thanks for all the help to everone.

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No, not for a prelim - you don't need a bundle.

 

There are a couple of bits and pieces you should take, see this thread (top bit) -

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

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Gary

Sorry to post on this thread, but couldn't think how else to get your attention?

Firstly, did you get my PM about the info I have, I think it could be quite telling?

Secondly, my claim is now in full swing. Recieved acknowledgement of service and intent to defend.

Guess it's now wait for the defence and possibly an AQ.

All due within next 14 days.

Do I post info regards Litigation in Process to someone ?

Regards

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Hi there

 

I am using the Witness Statement in my court hearing. Is it important that it is placed in a particular order in the bundle? If so, where should it go? I have the same problem with the McNamara transcript and, when I receive it, the Martin Orton letter.

 

Thanks!

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Olli Thread one is #1 the very first post on this thread by Gary, it has links to all you need for the bundel

Pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Hi Gary,

 

Thankyou for all your advice. However just to let you know I never ended up filing an amendment as i have been so busy at work etc but was going to get round to it when as i said to you i received an order that my case had been read through and transfered to the mercantile and commercial registry at the Royal Courts of Justice. I don't know if this was Leeds or not as it does not say.

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I am just checking about this 'bundle' business. Do I have to send the bundle to MCOL and Lloyds TSB solicitors. I have a court date of 1st June 2007.

 

Hi

You need to send it to your local Court where you got the Court date letter from and a copy to the Solicitors, do NOT send it to MCOL.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi Gary,

 

I'm under pressure to get my bundle submitted by next Friday so excuse me if my brain is not functioning too well.

 

I read your post about the OFT summary and am now worried about what to include.

 

You say "No need to print out the whole thing, but you do need the front cover, section 1 "overview" and most importantly, section 4.21 "Disguised penalties". You should put this in INSTEAD of the OFT report summary from the Basic Bundle in the templates library.

 

My case is against Barclays and I have used the summary from the basic bundle.

 

Does your advice only apply to Lloyds claimants or should I replace it as well?

 

THe AQ has been dispensed with and I have a hearing date. I must submit copies of all the documents I intend to rely on but I'm confused as to whether I need to produce a Statement of Evidence. It hasn't been asked for specifically.

 

Hope you can clarify.

 

Thanks,

John.

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Hi John,

 

Not essential I don't think - Barclays don't specifically defend on the basis that the charges are a service - but its still useful to include. Just add section 4.21 alongside the summary.

 

No need for a statement of evidence, but it would be advisable to include a witness statement. Use the one in this thread amended to suit.

 

HTH

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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