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    • yes a couple of months before the CCJ from what i saw
    • When I click on last page of a thread to read I get an 'Uh Oh your link has been broken' type of message alert.
    • Hopefully I haven't made too many errors up until this point, but I just wanted to check rights/compliance here before continuing. We bought a used car less than a week ago - it was sold to us with no faults, and with an MOT carried out by the dealer with no advisories. They made a particular point of stating that they didn't sell any car with advisories on the MOT, and also drew attention several times to their AA Approved status implying that this meant they *had* to ensure the cars were of good quality/they were more legally compliant etc (I thought that AA Approved was just something dealers paid for to have a 'badge' and to have cars advertised on their website). The dealer also mentioned repeatedly during the viewing how 'immaculate' the car was. Whilst test-driving, I noted the air-con wasn't working (it was 25 degrees that day). The dealer tried to insist it was cold when it really wasn't (this did ring some alarm bells at the time), I said that it would need to be fully working. Dealer agreed to fully test and regas the system before purchase, which they did. Three days after the sale (and less than 150 miles driven), the engine management light came on, accompanied with a strong emissions/exhaust smell. We've also realised that the 'stop-start' function doesn't work (this could have been deactivate due to the fault code though), and that a replacement windscreen had been fitted rendering the rain-sensing wipers, automatic headlights and heated screen non-functioning. We didn't notice these faults prior to driving it, although I did mention the stop-start during the test drive (having never owned a car with this function) and the dealer made no mention of it not working. I have an OBD scanner/reader, which tells me that the fault is a P0420, so is related to the catalytic converter. I emailed the dealer outlinging these problems, and suggesting that the best course of action would be a refund as I need a fully operational car for work, and this fault could take them time (and money!) to fix. I should add that the dealer is a 2-hour round trip away (in good traffic), so I really do not have the time to take it back and fore. They replied very quickly apologising for the fault, and saying that they will fix the engine management issue ASAP and 'hopefully before the weekend'. Regarding the windscreen, they say that is out of their remit as it was on the vehicle when they purchased it, causes no mechanical defect, and the rain sensors, auto headlights and heated screen were not specifically mentioned in the advertisement. They have offered to have their mechanics look at these issues and if a staightforward fix, they will do this free of charge as a goodwill gesture, or find out the cost of repair and offer to do this (at our cost) if more complex. (To clarify, I did not mention repair being an option in my initial email, and only referred to a refund being the best option). The car was sold with a 'full service history', although this consists only of stamps in the service booklet. We have no receipts of any work done apart from the dealer's MOT. This particular car is known to have issues with the timing chain (it's a Mini Cooper) after 100k miles, and the fault code could well be in relation to this problem. I mentioned this known model's fault during the test drive and was told that it would be very obvious/noisy if the car had this fault (which didn't really have anything to do with my question which was specifically 'has the timing chain and tensioner been replaced, as I know this is a known issue with these cars'). I've had bad experiences with used cars and dealers in the past, so my faith is easily shaken, hence me asking for objective opinion and advice here. Despite the 'extras' not being advertised with the car, surely the fact there are specific buttons/switches relating to the lights/heated screen etc, along with their not working not being pointed out at purchase mean that the car is not as described? Where's the line here - there are windscreen wiper stalks/headlight switches etc, but these weren't specifically mentioned either in the advert, so are they also not covered? The EML so soon after purchase (and the code being potentially a serious one) is alarming, and having consulted mechanics specialising in Mini, they (without having seen the car) suggest that this could be an expensive problem to fix. My partner paid for the car, and unfortunately did so part cash, and part BACS. This of course means we've lost full control of the money. Our bad experience previously was with a dealer who sold us a car with a 'new MOT' which then suffered a tyre blow-out, revealing a tyre which was literally threadbare on its inner edge. We got a refund from that dealer by sitting in their office and refusing to leave until the money had been refunded into our account. When we returned the following week with the logbook, the whole lot was empty - no cars, logos, nothing. Lucky escape there, so my partner assumed he'll be able to get the money back just as easily this time. I haven't yet replied to their email, so would like to know the best way to proceed. Thanks in advance for any and all assistance!
    • What i've read about LFT and PCR tests is they both have their own ambiguities however, PCR tests are sent to a Lab but they don't know how 'right' the result they are looking at is.   I would say yes UB, could have neg LFT and a positive PCR.
    • if the ccj was almost 6yrs ago, odds on your last payment was more than 6 yrs ago???, so .... is that true?
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Account At Collections

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My husband had an a/c with Lloyds plus an overdraft facility of £500. They tool the o/d off and started to charge him unauthorised borrowing fees taking the balance of his account to aprox £2000 Dr. The account is now closed and with collections. I have gone through all the procedures, sent the letters working out that his charges plus interest at about £1700, the rest of the balance is made up of overdraft usage fees.

During the time the charges were being added my husband contacted the bank regularly asking for his o/d facility back as this would have prevented the charges. They refused.

Now after my LBA they are still refusing to reimburse anything saying the charges are in the contract, etc, etc, etc.

We are paying a regular amount to settle the debt through Payplan as we have put them on our payment plan.

I am now not sure what to do, is it different if your overdraft facility has been taken off you? Can we still claim?

Please help!

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How much have you paid to them through your payment plan?

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!


17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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Hi there, dont worry about your account being with payplan.


Simply keep following the proceedures on here.


So long as you maintain your payments on a monthly basis via payplan and do not default you are fine to continue and this will not effect the claim.


This is assuming that payplan have written confirmation from Lloyds that the payment offer has been accepted by Lloyds for a certain period of time. (which they must have done for it to be included in the plan).


Chin up and keep going, although Lloyds are one of toughest.

Angi77777 xx

If your new to CAG...read, read and read some more.

This is a great site and invaluble especially to LLoyds Victims, so dont forget to donate WHEN you WIN!!

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I think this is more complicated than it appears. As the charges have net yet been paid how can they be reclaimed? Hopefully someone can assist you here. Maybe even stop paying them and reclaim the difference, not sure how this would work!


Hopefully someone will be able to help

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My current a/c with nat west is also with thei collections dept. What i would recommend is that when you complete the POC for the court , make it a point that the only method of refund you are prepared to accept is by CHEQUE. if you do this , should it go to court which is unlikely, you would get a cheque but addidionally when lloys cough up at the last minute it should hopefully be by cheque. if you don't insist on cheque payment right from the 1st stage, they will almost definately refund the charges into your account meaning you will see none of it.


hope this helps




ps I am just about to make post re a claim i am making for a colleague, if you knew the answers and could reply that would be brill as i am not a lloyds customer

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