Jump to content


  • Tweets

  • Posts

    • 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…..    
    • IMG_2820-IMG_2820-merged.pdfmerged.pdf Case management was this morning. Here is the Sheriff’s order. Moved case forward to 24/05.   He said there was no signed agreement and after a bit of “erm, erm, yeah but, erm” when he asked them, he allowed time for sol to contact claimant.  what is the next step now? thank you UCM  
    • I've had a quick (well, quick for a thread of this length),  read of this thread and to be honest I'm struggling to make heads nor tails of the actual crux of the issue here. You seem awfully convinced that whatever is going on is worth the fight and the odds are in your favour but with how the thread has gone it seems that one trail goes cold so you simply move on to another in an attempt to delay the inevitable. All it does is end up digging holes and confusing others and yourself which means any advice given to you is completely pointless. I note that for the life of this thread there has not been any documentation or correspondence uploaded for people to have a look. Have you got any that you'd be willing to redact and upload for members to assist you? Right now, it seems people are shooting out advice while being in the dark because it's starting to become very difficult for people who weren't here at the start of this (including myself) to follow along. Right now, this whole thread is just hypothetical "He said, she said" and is going nowhere fast. Nothing more than basic advice can be given which, as you've sought out some legal advice, is likely not sufficient to actually come to any sort of conclusion. I, personally, am starting to agree with others that it may be best to consider bankruptcy and put the matter behind you.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      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
        • Like
  • Recommended Topics

Hastings Direct Car Insurance Cancellation Issues


citizens
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4925 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I am CitizenS and have recently (today) joint CAG. I am writing for advice on how to deal with Hastings Direct. I originally had an insurance policy with M&S. The requote was @£404. I searched the web using various comparison websites and settled on Hastings based on the cashback I would get through Quidco.co.uk. Insurance cost @£434 with some better terms. Cash back £53.50. I paid for this on the 30.10.10. Phoned M&S and they gave me a cheaper quote i.e. @£369. This original quote was apparently an administration error. We agreed for this policy and phoned Hastings back to cancel immediately. This could not be done because it was not on their system (apparently it takes 24 hours for the system to be updated( obviously they have an amazing IT system)). I phoned the day after 31.10.10 and was advised that my money would be returned minus £25 administartion fee. While being shocked I was able to advise them that this was illegal. They denied this as this was in their on-line terms and conditions which i had signed up to:mad2:. About an hour later, having calmed down, I phoned again and advised them that this was illegal and contradicted the insurance documents which I had downloaded from the internet. In it it is stated that the full premium should be refunded if the policy is cancelled within 14 days of taking out the policy. They ( the complaints department) said that they or their manager could do nothing about this and that this was the charge. I have started writing letters to both companies i.e. Hastings Direct and M&S, with copies to my MP. How can I resolve this matter quickly?:|

Link to post
Share on other sites

They can legally make the £25 cancellation charge. This has been challenged before.

 

If you are unhappy about this, give the FOS a call to check with them.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Many thanks unclebulgaria67 for your advice. However is this not contradictory to their paperwork? After all this is distance selling and the same 14 day rules apply. Bearing in mind the advice from this website, it would appear that the small claims court is the best route? What are your thoughts? By the way when people have challenged this before, what has been the outcome?

Citizen S

Link to post
Share on other sites

I am also with Hastings and took out my policy online.

I can confirm that the administration fee of £25 does appear in the terms and conditions.

The FOS would expect you to try to resolve things by the usual 8 weeks timescale before taking it up.

In the same way a Court would want to see that pre action protocols have been followed.

I suggest writing to Hastings and asking them to provide a breakdown of the Admin fee which demonstrates it is a true reflection of the cost in cancelling.

Keep a copy and send recorded delivery.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Hi Martin3030,

 

Thanks for your post. I will follow your advice and write to them within 8 weeks and ask for a breakdown of the administration fee. The chess game begins..........

 

Citizen S

Link to post
Share on other sites

The 8 weeks is their timescale for dealing-you are free to write straightaway.

I would also request a copy of their complaints procedure (as is a requirement if you are filing a complaint)

I did get a similar fee waived in the past by another well known car insurance firm,when I approached them in the same way.

If they cannot show this charge to be in proportion to their costs then it leaves the way open to challenge it as a penalty charge under Unfair Contract Terms.

Its incomprehensible to imagine they would want to go to Court over £25,but if this turns out to be the chosen route then you MUST demonstrate that you have exhausted dialogue with them to try and resolve it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Heres their CC licence details which show address for correspondence and a list of names from which to write to.

 

Application / Licence Details

 

 

 

 

Licence Number:0421597

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Hastings Insurance Services Limited03116518

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Hastings Bike Team Hastings Direct Hastings Essential Hastings Local Hastings Van insure insure commercial insurebasics insureblue insurepink Likewise Insurance People's Choice Renew Insurance

 

Trading Name(s) (Historic):

 

Agenda Insurance Services Hastings Insurance 1st Advantage Insurance Services Call 2000 Plus Call 2000 Plus Insurance Services Toyota Insurance 121 Auto Insurance Services Auto 121 Direct Ridesure Insurance Services Insurepink Student Finance Company 1066 Direct 1st Advantage Angel Insurance Services Halo Insurance Management Powerline Insurance Services Ridesure 121 Auto 250/500 Insurance Services Aardvark Insurance Management Agenda Help Insurance Services The Automobile Insurance Service Centre

 

Issued Date: 08-Jan-1997

Expiry Date: 16-Feb-2012

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

 

NamePosition Adrian Parry Anthony Stephen Leppard Edward Martin FitzmauriceDirector John Castagno Neil Alan Utley Paul Bryan Pavey Richard Mark Brewster Timothy Andrew Ablett

 

Historic Individuals that run the organisation:

 

NamePosition Alison Sarah PickupCompany Director Augustine HatchOFFICER Christopher John HopperOFFICER Claire Louise DayOFFICER David Guy GundlachOFFICER David John TitteringtonOFFICER David PyeOFFICER George Leslie FeltonOFFICER Graham SeymourOFFICER Ian GodfreyOFFICER Ian Ronald Sutherland Jeremy Peter KendallOFFICER Masanobu KobayashiOFFICER Michael HawkerOFFICER Michael Hutton Michitoki YokaiOFFICER Nicholas Potts Peter BaretteOFFICER Peter ConnellOFFICER Phil KnightOFFICER Robert George McKibbinOFFICER Steven Terence Hunter Griffin Tetsuro OgataOFFICER Toru MorotaOFFICER Yoshiaki YamazakiOFFICER

 

Historic Organisations that run the organisation:

 

NameCompany Registration NumberPosition CuggyVictoria LouiseCompany Secretary

 

Current Address(es):

Address TypeAddress CorrespondenceConquest House, Collington Avenue, Bexhill On Sea, TN39 3LW Principal Place Of BusinessConquest House, Collington Avenue, Bexhill On Sea, East Sussex, TN39 3LW Registered OfficeConquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...