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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.
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    • 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 
    • Thanks Bank - I shall tweak my draft and repost. And here's today's ridiculous email from the P2G 'Claims Dept' Good Morning,  Thank you for you email. Unfortunately we would be unable to pay the amount advised in your previous email.  When you placed the order, you were asked for the value of your parcel, you stated that the value was £265.00. At this stage the booking advised that you were covered to £20.00 and to enhance this to £260.00 you could pay an extra £13.99 + VAT to fully cover your item for loss or damage during transit, you declined to fully cover your item.  Towards the end of your booking on the confirmation page, you were then offered to take cover again, to which you declined again.  Unfortunately, we would be unable to offer you an enhanced payment on this occasion.  If I can assist further, please do let me know.  Kindest Regards Claims Team and my response Good Afternoon  Do you not understand the court cases of PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729)? In both cases it was held by the courts that there was no need for additional ‘cover’ or ‘protection’ (or whatever you wish to call it) on top of the standard delivery charge, and P2G were required to pay up in full for both cases, which by then also included court costs and interest. I shall be including copies of both those judgements in the bundle I submit to the court next Wednesday 1 May, unless you settle my claim (£274.10) in full before then. Tick tock…..    
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I got my loan details i requested in the post today, well over 40 days after applying for them but i did give them the wrong account number.:rolleyes:

 

Anyway i just need some advice on what strategy to use when i write back to them.

 

The figures are:

 

Loan Date 23.3.01

Loan amount £23000

PLP premium £5290

No of payments 120

Total interest 13903.20

Total payable £42193.20

Monthly payment £351.61

APR 8.9%

 

On the form i have signed, the box has been crossed that i do want ppi but i was never asked this, they made me an appointment for a financial review and told me they could make my monthly payments a lot smaller, the sales guy came up with this loan and just told me to sign at the bottom, he never explained ppi or that it was optional, just to sign at the bottom.

 

I did pay this off early, in 2005 i phoned up for a settlement figure and to my horror it was still £19200!:eek:

So i had only paid off £3800 of the loan amount in 48 payments of £351.61.

The guy on the phone said it was due t the ppi and the apr rate. So i took out a new loan for £!9200 with no ppi and over a smaller period just to pay if off.

 

How do you work out the interest on the ppi as it was just added to the loan amount and 1 percentage rate of 8.9% for the whole loan.

 

I want to get the figures right for when i contact them by letter.

 

Any help or advice is appreciated.:)

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I got my loan details i requested in the post today, well over 40 days after applying for them but i did give them the wrong account number.:rolleyes:

 

Anyway i just need some advice on what strategy to use when i write back to them.

 

The figures are:

 

Loan Date 23.3.01

Loan amount £23000

PLP premium £5290

No of payments 120

Total interest 13903.20

Total payable £42193.20

Monthly payment £351.61

APR 8.9%

 

On the form i have signed, the box has been crossed that i do want ppi but i was never asked this, they made me an appointment for a financial review and told me they could make my monthly payments a lot smaller, the sales guy came up with this loan and just told me to sign at the bottom, he never explained ppi or that it was optional, just to sign at the bottom.

 

I did pay this off early, in 2005 i phoned up for a settlement figure and to my horror it was still £19200!:eek:

So i had only paid off £3800 of the loan amount in 48 payments of £351.61.

The guy on the phone said it was due t the ppi and the apr rate. So i took out a new loan for £!9200 with no ppi and over a smaller period just to pay if off.

 

How do you work out the interest on the ppi as it was just added to the loan amount and 1 percentage rate of 8.9% for the whole loan.

 

I want to get the figures right for when i contact them by letter.

 

Any help or advice is appreciated.:)

 

Hello,

 

It this the good old Nasty, and there lovely front loaded single ppi policy. I successfully reclaimed back my ppi last year with them. You have to be determined with them, cos they don't like to give you it back.

 

In my case they charged £4,600 for the ppi and after a bit of badgering them they confessed that the interest they applied at 8.9% was added every year. So in fact they charged over the 120months(10yrs) interest at 89% of the ppi. Actually they applied £4,094 in interest:o My loan was also in 2001.

 

So off the top of my head, the interest they charged could have been 89% of £5290, which is £4,708.10

 

I would write and ask them for a breakdown of the interest they applied and confirmation of your figures.

 

If you wish I can pm you with the name and address of who to contact regarding your complaint.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi,

 

Am going through the same struggle as you with thenastyWest as Hell likes to call them!!:)

 

Any help with calculating interest would be much appreciated as I have all info i need to hit em but just want to do it properly.

 

Took out loan for £20,000 in November 2006

Single premium PPI or Loan protection Insurance as the Nasty call it added

 

 

Loan Date Nov 2006

Loan amount 20,000

PLP premium 5650

No of payments 84 (made 20 so far)

Total interest 14,000

Total amount payable £34,000

Monthly payment £405

APR 8.7%

 

I cancelled the plp policy in February 2008 and have now had a plp rebate of 3600 to the account and interest on this of 1200. This has left me with a balance of 21k left to pay over the next 5 odd years.

 

Having spoken to someone in their complaints dept, i was told that had i not taken out the plp(which i didnt want in the first place) The total amount payable over 7 years would have been 26000 not 34000.

 

So far i have paid £7500 towards the loan.

 

Am i right in thinking that i can claim 26000(amount the loan should have been for)-7500(amount i have paid so far today)=18500.

 

so 21000(current balance) - 18500 = £2,500

 

What interest can i add to this

 

Help needed guys and gals:)

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hellhasnofury - Thanks for the advice.

 

I've only just got round to reading your reply so i have had a bit more progress on my claim.

 

I sent the first letter of complaint about the ppi to the same place that sent me my loan documents i requested.

 

The address was:

PPI Concerns Team

Regulatory Risk

5th Floor, 1 Hardman Boulevard

Manchester M3 3AQ

 

I got a reply in the post today explaining that they are investigating my claim and they have sent me a questionaire to fill in but they state it is NOT mandatory that i send it back.

I think i will fill it in as there are some points on there as to why i think it was mis-sold.

 

Also all correspondence i am getting is from RBS, do they own Natwest?

 

They have assigned a case manager and hope to have a decision with 4-8 weeks.

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hellhasnofury - Thanks for the advice.

 

I've only just got round to reading your reply so i have had a bit more progress on my claim.

 

I sent the first letter of complaint about the ppi to the same place that sent me my loan documents i requested.

 

The address was:

PPI Concerns Team

Regulatory Risk

5th Floor, 1 Hardman Boulevard

Manchester M3 3AQ

 

I got a reply in the post today explaining that they are investigating my claim and they have sent me a questionaire to fill in but they state it is NOT mandatory that i send it back.

I think i will fill it in as there are some points on there as to why i think it was mis-sold.

 

Also all correspondence i am getting is from RBS, do they own NatWest?

 

They have assigned a case manager and hope to have a decision with 4-8 weeks.

 

Hello,

 

What are they asking on this questionairre???????????

 

And yes RBS and the nasty are one:o and none of them will come up with a credit agreement and be at all helpful:mad:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Questions are as follows and the answers i have put in bold:

 

1. Please confirm your employment status when you applied for the policy.

 

Employed

 

2. Please confirm total working hours per week when you applied for the policy.

 

37.5

 

3. Provide details of any policies that you held or why you now feel that you had no requirement for the plan.

 

I have left this blank

 

4. Please confirm how you applied for the policy, through branch, over the phone or the internet.

 

I was called into my local branch for a 'Financial Review', so the loan was sold person to person.

 

5. Please provide your recollections of the description of the policy that was given to you by the seller. If you believe the plan differs to the description given, please explain how.

 

I wasn't told about any ppi policy, no details were provided at all.

 

6. Did you provide the member of staff with any details of any cover that was in place before proceeding with the application and what was the sellers response.

 

No, ppi was not discussed at all.

 

7. Did the salesperson provide you with any brochures / literature regarding the policy and level of service that was being offered to you. If so please list the titles of these documents and if possible provide copies.

 

None.

 

8. If there are any further issues you would like the office to inverstigate, please detail them below.

 

I feel i was mis-sold ppi as nothing was explained to me or any information given on it. The salesman automatically added this to my loan without discussing it and it wasn't made clear that this was optional.

 

9. Please provide any other information that you feel may be releveant to your claim.

 

If the salesman had been clearer and stated tha ppi was optional and not needed to have the loan approved i would have declined it. The interest charge for it and what it covered was never explained to me at all.

 

Then there is space for additional comments.

 

I didn't realise i had signed up for ppi until i phoned up for a settlement figure 4 years into the loan period. I was shocked to learn that i still owed £19000 on a £23000 loan after 4 years of payments. It was explained to me that the ppi was part of the reason for this. I had no idea how much the ppi was costing me or that it could be cancelled. I know now that the salesman didn't mention this as i would not have accepted the loan.

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  • 3 months later...
JUST A QUICK UPDATE

 

I had an offer from RBS today for £5148.23!!

 

I am very happy with the offer and have accepted.:)

 

Hello Ihatemybank,

 

Absolutely delighted for you :grin:well done:grin:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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