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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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      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.  

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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.
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      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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Unsecured Loans - Bad Credit, anyone know a genuine lender?


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Hey folks,

 

Right, I'll try and keep this a bit brief. My rating is a bit shot thanks to some youthful indiscretions and I really wanna get myself back on an even keel.

 

I am currently having issues with some payday lenders, but thanks to the advice on here, it's well in hand. However, that doesn't stop me wanting to really put things right again and just in one place.

 

Basically, I'm looking for bad credit unsecured/tenant lenders for £3000 over 3 years, hopefully averaging out at £125-150 a month in repayments, well within my scope of finance, even if I ended up jobless.

 

My debts aren't quite as high as £3k but I want some left over so I can move in with my partner and with only one debt, with a very affordable repayment.

 

I'm in full-time employment and only been there 3 months though, but they have just sorted my contract and I'm earning about £1k take home right now. I have other plans for earning more, but neither here nor there atm.

 

Anyways, I wasn't sure where to post this as I didn't see an unsecured loans board, so feel free to move this.

 

Any help would be grandly appreciated.

 

Thanks

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Personally, I think it would be a bad decision to go for new credit if you're already handling payments back to payday lenders. First sort them out and then decide what to do.

 

Also, even bad credit lenders would not look positively on someone being with an employer less than 12 months.

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I understand that, but paying off charges etc that payday lenders charge is much tougher than taking one big loan and setting them all at once.

Plus I have designs for the rest of the loan that I would be taking. It's just much safer than continually incurring charges/defaults/rollovers to sort things out.

 

To reiterate, does anyone know any dependable unsecured loan companies for people with poor/fair credit?

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  • 2 weeks later...

Hi,

I would imagine the best way to get quotes would be on google or such like but I note you stated unsecured and wanted to advise you of this....

 

You should be aware that their no such thing as an unsecured loan, they are in fact easily secured on your property providing the CCA is enforceable. If you have equity in your property any creditor will have this loan secured on your property in a matter of months. I have personal experience of this and took out an 'unsecured loan' for new windows. to cut along story short my employment changed and I could not meet the repayments. Within 5 months they had a CCJ and subsequently secured the loan via a charging order. To sum up we had to sell the house.

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You Want My Advice

 

Dont Bother

 

I Fell Into This Trap And Ended Up With Welcome

 

They Are All Out To Screw You

 

Good Luck And The Only Advice I Will Give Is

 

If They Ask For An Application Fee Is Run A Mile But Saving Is Best

 

Credit

 

Who Needs It

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  • 1 year later...

i dont think the charging order point would be anything to worry about, i think the OP is a tenant.

Good place to start looking would be moneyline, if your a council tenant or credit union, but you wont get 3k to start with

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