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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!  
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HSBC is going to remove my overdraft facility help.


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I have today received a letter informing me that my overdraft facility of £600 will be removed on the 23rd of January.

 

They said that the overdraft facility would be removed.

 

They also ask for a list of income and outgoing list to be completed which the have called the Affordability form.

 

Is this punishment for sending them to court twice?

Can they do this?

How do I stop them?

Can I stop them?

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They do have the right to withdraw this facility, although you may of course be correct in the assumption that it is a retaliatory action for having reclaimed charges.

 

Proving it would be another thing. It would essentially be a case of complaining to the FOS and letting them decide, but if you feel as though they are doing this for no other reason, it might just be better to move to another bank who will offer the same or similar OD facility.

 

Are there other circumstances that could have affected this decision - change of financial status etc?

 

If your finances are in order, my best advice would be to move banks now. You might wish to keep this account open (unused) whilst you submit a complaint...

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 8 months later...

I think your best bet would be to open a parachute account somewhere else. That way you can start from scratch and manage your finances a bit better. Once you have set up a new account,you can then go back to HSBC and start up a repayment plan as well as carrying on with your claim.

 

If you need to check the charges, you can do this online at the HSBC website. You do need to be registered for this. You can check up to 6 years worth of statements.

 

I do not know any free "help" comapnies, but I am sure you can get all the advise you need right here. It also might be best to start up your own thread, that way we can advise you of the whole reclaiming process and it won't get confused with the advice given to JOSHIOU.

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sometimes it can take a while to get a response from the FOS. should you need any further help, just ask away. We are right here ready to help :)

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Take more water with it jo..............:D

 

 

PS : Have you told katylegs her answers are on here jo ? :confused:

:)

Edited by johnnymitch

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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