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    • Post #415 you said you were unable to sell it yourself. Earlier I believe you said there had been expressions of interest, but only if the buyer could acquire the freehold title. I wonder if the situation with the existing freeholders is such that the property is really unattractive, in ways possibly not obvious to someone who also has an interest in and acts for the freeholders.
    • i dont think the reason why the defendant lost the case means anything at all in that case. it was a classic judge lottery example.
    • Hello, I will try to outline everything clearly. I am a British citizen and I live in Luxembourg (I think this may be relevant for potential claims). I hired a car from Heathrow in March for a 3-day visit to family in the UK. I was "upgraded" to an EV (Polestar 2). I had a 250-mile journey to my family's address. Upon attempting to charge the vehicle, there was a red error message on the dashboard, saying "Charging error". I attempted to charge at roughly 10 different locations and got the same error message. Sometimes there was also an error message on the charging station screen. The Hertz 0800 assistance/breakdown number provided on the set of keys did not work with non-UK mobiles. I googled and found a bunch of other numbers, none of which were normal geographical ones, and none of which worked from my Luxembourg mobile. It was getting late and I was very short on charge. Also, there was no USB socket in the car, so my phone ran out of battery, so I was unable to look for further help online. It became clear that I would not reach my destination (rural Devon), so I had no choice but to find a roadside hotel in Exeter and then go to the nearest Hertz branch the following day on my remaining 10 miles of charge. Of course, as soon as the Hertz employee in Exeter plugged it into their own charger, the charging worked immediately. I have driven EVs before, I know how to charge them, and it definitely did not work at about 10 different chargers between London and Exeter. I took photos on each occasion. Luckily they had another vehicle available and transferred me onto it. It was an identical Polestar 2 to the original car. 2 minutes down the road, to test it, I went to a charger and it worked immediately. I also charged with zero issues at 2 other chargers before returning the vehicle. I think this shows that it was a charging fault with the first car and not my inability to do it properly. I wrote to Hertz, sending the hotel, dinner, breakfast and hotel parking receipt and asking for a refund of these expenses caused by the charging failure in the original car. They replied saying they "could not issue a refund" and they issued me with a voucher for 50 US dollars to use within the next year. Obviously I have no real proof that the charging didn't work. My guess is they will say that the photos don't prove that I was charging correctly, just that it shows an error message and a picture of a charger plugged into a car, without being able to see the detail. Could you advise whether I have a case to go further? I am not after a refund or compensation, I just want my £200 back that I had to spend on expenses. I think I have two possibilities (or maybe one - see below). It looks like the UK is still part of the European Consumer Centre scheme:  File a complaint with ECC Luxembourg | ECC-Net digital forms ECCWEBFORMS.EU   Would this be a good point to start from? Alternatively, the gov.uk money claims service. But the big caveat is you need a "postal address in the UK". In practice, do I have to have my primary residence in the UK, or can I use e.g. a family member's address, presumably just as an address for service, where they can forward me any relevant mail? Do they check that the claimant genuinely lives in the UK? "Postal address" is not the same as "Residence" - anyone can get a postal address in the UK without living there. But I don't want to cheat the system or have a claim denied because of it. TIA for any help!  
    • Sars request sent on 16th March and also sent a complaint separately to Studio. Have received no response. Both letters were received and signed for.  I was also told by the financial ombudsman that studio were investigating but I've also had no response to that either.  The only thing Studio have sent me is a default notice.  Any ideas of what I can do from here please 
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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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A&L loan help please


Madge67
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I took out a large A&L loan in 2007 to consolidate etc etc etc - you know the story. The application was made via telephone and they sent the forms via post for me to sign, which I did. I have recently CCA'd Santander who took over A&L. and thry have duly sent me a copy of the orginal agreement.

 

The agreement includes amounts for PPI which I had crossed through those and specifically stated on the back of the agreement that i did not wish to purchase PPI. I will scan the Agreement and post it tomorrow for your thoughts. It looks ok to me.

 

My beef with them is that I hit financial probs in 2008 and offered reduced payments which they accepted for a while. I wasthen advised that as i could not afford to pay my arrears they swould be looking for a CCJ to apply a charging order on my property and it was only a formality and not to worry, to keep making reduced payments. I was so naive at tthe time and just went along with it. I had just had a baby and had no idea how to deal with things like this. It was utter madness as our house was (and still is) in negative equity so the order is worth zilch to them.

 

I am continually pursued by Shoosmiths who state they are delaying with the debt. Im just wondering where I stand on this - I know it's a bit of a imppossible question to answer at the moment but I thought it important to get a thread started in the hope that someone has been through a similar thing with A&L or another bank.

 

I will send an SAR to Santander to see if there are any flaws in their processes. I just wonder if its all too late beings as the CCJ has already been awarded.

 

Madge

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  • 6 months later...

Just to update this thread. SAR docs were sent to me on 03/11/12. Contained very little info and only related to most recent loan which was taken out in 07. I had several loans with Alliance and Leicester and am certain there would have been PPI on them. Sadly I have no records - DOH!. Santander are saying that they have destoyed all info prior to this. I dont believe this for one minute so failed SAR letter to go tomorrow demanding the info or records of destruction dates, authorisation etc. I will keep you posted as to what comes back (if anything). Id love to hear of anyone in a similar position who has won their PPI claim. I didnt want to just submit a 'just in case' claim. Its far better to have the info to hand .

 

Madge

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  • 3 weeks later...

Hi guys just an update,

 

Ive recd a letter today from Santander stating the historical information can only be retained for legitimate reasons, therefore some personal data may no longer be held as it has been deleted in line with our retention policy. We can however confirm that we have sent you all the personal data that we still hold in relation to the customers account.

 

Im unsure what to do next folks. I had a feeloing they would do this. Should I be SAR'ing Alliance and Leicester maybe as these were who the loans were with?

 

I know I had many labs with A&L and they are bound to have PPI ont hem that I want to claim back

 

thanks

 

Madge

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Can anybody advise on this please. Should I send an SAR to A&L for old loans even though Santander had taken over the latest loan. I am pretty certain I had PPI on the old loans but Ive no iodea how I can find out without an SAR,

 

Cheers

 

Madge

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  • 3 weeks later...

Well ive been searching high and low for any kind of references and even resorted to asking my bank for old statements which they duly sent.

 

This paid off and I have at least one ref number for the old A&L loan. Next question is - where the blinking heck do I go from here? I have already SAR'd Santander who only sent the very latest loan details. Should I write back to them 'with reference to my previous SAR request' and give them the account numbers now that i have them?

 

Any advice is really appreciated

 

Madge

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  • 1 month later...
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