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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 
    • 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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi,

 

 

Following the latest mis-selling scandal, my father-in-law has today received a letter from Homeserve "Requesting a review of your policy sale"

 

 

Enclosed was a questionnaire which seems to ask some very personal financial questions, should he answer these or just ignore the questionnaire and just submit a letter claim for mis-selling.

 

 

I know that Homeserve regularly used to phone him and sell him various policies until I told him they were pointless, as he was already covered.

 

 

Could this just be a "fishing letter" to find out reason to disallow a claim?

 

 

Think I need to get him to SAR them and find out some more.

REMEMBER! Hunger is the enemy - NOT the hungry!

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He does not have to complete the questionnaire sent, but can simply submit a complaint to them instead, stating the facts of the mis-selling that are relevant. I had a Homeserve product by default, as a local water company transfered a policy I had with them to Homeseve. They kept phoning me to buy other products and I instead asked them to cancel my existing policy due to their continual telesales calls.

We could do with some help from you.

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He does not have to complete the questionnaire sent, but can simply submit a complaint to them instead, stating the facts of the mis-selling that are relevant. I had a Homeserve product by default, as a local water company transfered a policy I had with them to Homeseve. They kept phoning me to buy other products and I instead asked them to cancel my existing policy due to their continual telesales calls.

 

 

 

Thanks Unc,

 

 

I'll draft him a letter to send off.

REMEMBER! Hunger is the enemy - NOT the hungry!

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Hi,

 

 

Just had a thought, would it be an idea to enclose a FOS questionnaire with the letter?

 

You could. If there was any other Insurance covering the same or most of the risks, I would also send a copy to Homeserve.

 

The problem with Homeserve is that they phoned telling people, did you know that you were not covered for x issues and did you know for £x per month, we could arrange a policy for you. Now most people on the other end of a phone line would not know instantly what other Insurance they had and they would not get around to cancelling with Homeserve within the 7 day cooling off period allowed for distance selling. Not a good way of selling, particurlary to the elderly.

We could do with some help from you.

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Hi,

 

 

Below is draft of letter for Father-in Law to send.

 

 

Dear Sirs,

Thank you for contacting me regarding the above policy and advising that this may have been mis-sold to me.

I believe that I was mis-sold this policy as:

 

  1. It was not suitable for me.
  2. I already had sufficient cover.
  3. My needs and requirements were not assessed at the time.
  4. I consider that your sales staff pressured me into buying this by using the practice known as “Fear Selling”.

Due to my reasons for believing that I was mis-sold this insurance, I do not consider it necessary to complete the questionnaire that you enclosed with your letter and as such I will not be completing it.

Although I will not be completing the questionnaire, I will still be pursuing a claim for mis-selling.

Yours faithfully,

REMEMBER! Hunger is the enemy - NOT the hungry!

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Seems ok to me. See how they reply. I expect that they will write back saying that they need the questionnaire to be completed, before they consider it any further. For this reason, you could amend the letter to ask them to note this as a formal complaint for FOS purposes. You could also elaborate a litte on the points made e.g why was the cover not suitable. This will have to be provided at some point.

We could do with some help from you.

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Reworked letter for Father-in-Law.

 

 

Dear Sirs,

Thank you for contacting me regarding the above policy and advising that this may have been mis-sold to me. I also believe that this will apply to all other policies that you have sold me.

I believe that I was mis-sold this policy and others as:

 

  1. It was not suitable for me.
     

    1. I already had sufficient cover through other insurances.
    2. Any possible claims would have been adversely affected by my age and existing medical conditions.
    3. [*]I was not asked whether I already had any existing insurance.

      [*]My needs and requirements were not assessed at the time.

      [*]I consider that your sales staff pressured me into buying this by using the practice known as “Fear Selling”. The salesperson(s) selling the insurance was pushy and strongly advised me to take the insurance.

      I believe you have not treated me fairly.

      Due to my reasons for believing that I was mis-sold this insurance, I do not consider it necessary to complete the questionnaire that you enclosed with your letter. Some of the questions that you now ask, should have been asked at the time, not several years later. This is evidence of mis-selling and supports point 3 above.

      I also consider it invasive and the questions inappropriate and as such I will not be completing it.

      Although I will not be completing the questionnaire, I will still be pursuing a claim for mis-selling.

      Unless you can prove that the policy was fair and reasonable and that I was treated fairly when I was sold the insurance, I demand a full refund of all premiums. I also expect 8% interest to be added to each payment I have made as this is the statutory amount a court would pay.

      Please regard this letter as a formal complaint for FOS purposes.

      I look forward to your full and prompt response to this letter. If this matter is not settled within eight weeks of this letter I shall be contacting the Financial Ombudsman to investigate my complaint.

REMEMBER! Hunger is the enemy - NOT the hungry!

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Yes that is better and hopefully will get a fuller response.

We could do with some help from you.

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Hi, my father aged 89 now, also received this letter which he forwarded onto me as he wasn't sure what to do with it. He has 5 or 6 Homeserve policies all highly dubious and 'doubling up' on other insurance products eg home insurance and private medical insurance. I plan to send a similar letter to yours. Please do post any developments...thanks.

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If you need any assistance or have any questions regarding the questionnaires you’ve received we’ll happily answer these for you and address any concerns you may have. Please send your details to our email address logged in the biography section of our profile.

 

Kind regards

 

James

Here To Help Team

HomeServe

Here To Help Team

HomeServe

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  • 4 weeks later...
  • 1 month later...

Hi,

 

 

Latest developments, sent a claim in for all policies which totalled £1655.

 

 

Homeserve have responded saying that they partially uphold the claim and offering a refund of some of the payments on one policy amounting to £26 plus a further £25 compensation for the attitude of one of their sales people when selling the policy.

 

 

They cite recorded phone calls as the reason for rejecting the rest of the claim. Strange, in the SAR we requested copies of phone calls etc, but none were included and it was stated in the letter with the SAR material that was ALL the information.

 

 

So, which part of the company is lying?

 

 

Now composing a reply regarding their offer of £26, which was for premiums only, no 8% interest. LOL

REMEMBER! Hunger is the enemy - NOT the hungry!

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Hi,

 

 

Latest developments, sent a claim in for all policies which totalled £1655.

 

 

Homeserve have responded saying that they partially uphold the claim and offering a refund of some of the payments on one policy amounting to £26 plus a further £25 compensation for the attitude of one of their sales people when selling the policy.

 

 

They cite recorded phone calls as the reason for rejecting the rest of the claim. Strange, in the SAR we requested copies of phone calls etc, but none were included and it was stated in the letter with the SAR material that was ALL the information.

 

 

So, which part of the company is lying?

 

 

Now composing a reply regarding their offer of £26, which was for premiums only, no 8% interest. LOL

 

Hi Jedicris, Sorry to hear about the concerns stated. Could you email your details to the Here To Help Team email address stated on our profile and we will have this looked into for you. Kind Regards, Dean, Here To Help Team, Homeserve

Here To Help Team

HomeServe

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They cite recorded phone calls as the reason for rejecting the rest of the claim. Strange, in the SAR we requested copies of phone calls etc, but none were included and it was stated in the letter with the SAR material that was ALL the information.

 

 

So, which part of the company is lying?

 

 

If they are using phone call recordings to deny most of the claim back of premiums, then they have to supply copies of these. Sounds like Homeserve are deliberately trying to reduce the amount they are repaying for the mis-selling.

 

Being that they have already been fined £30 million for the mis-selling by the FCA, if Homeserve are not being fair here, I would be tempted to report this back to the FCA.

We could do with some help from you.

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If they are using phone call recordings to deny most of the claim back of premiums, then they have to supply copies of these. Sounds like Homeserve are deliberately trying to reduce the amount they are repaying for the mis-selling.

 

Being that they have already been fined £30 million for the mis-selling by the FCA, if Homeserve are not being fair here, I would be tempted to report this back to the FCA.

 

 

I will discuss with Father-in-Law possible options and whether he wants to take up the Homeserve's reps offer.

REMEMBER! Hunger is the enemy - NOT the hungry!

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Hope you don't mind me jumping in on your thread,

 

We have two policies with Homeserve: 1. Water supply pipe cover 2. Plumbing & drainage, both running for over 6 years. The salesman told my wife they were necessary and paperwork came on Anglian Water headed paper (sounds official as Anglian are our provider) Premiums already paid over the years must be nearly £2000!

 

Not sure if a SAR is worth sending if they are not including phone call info. This is obviously an organised [problem] between certain water companies and Homeserve.

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Good evening Rockwell304, We have just seen your post and wondering whether you require any help or have any queries regarding your policies. If you would like to discuss anything further please don't hesitate to contact us at your earliest convenience. Please send your contact details to our email address located on our profile page. Many ThanksAnnaHere To Help TeamHomeServe

Here To Help Team

HomeServe

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Hope you don't mind me jumping in on your thread,

 

We have two policies with Homeserve: 1. Water supply pipe cover 2. Plumbing & drainage, both running for over 6 years. The salesman told my wife they were necessary and paperwork came on Anglian Water headed paper (sounds official as Anglian are our provider) Premiums already paid over the years must be nearly £2000!

 

Not sure if a SAR is worth sending if they are not including phone call info. This is obviously an organised [problem] between certain water companies and Homeserve.

Hi Rockwell304,

 

 

I think it is always worth sending for a SAR. Now we know that they have the phone calls, just keep pushing until they are sent.

 

 

I have already responded to Homeserve saying send them or ICO complaint on its way plus letter rejecting offer saying produce the evidence.

REMEMBER! Hunger is the enemy - NOT the hungry!

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  • 1 month later...
Hi Jedicris, any updates or developments on this?

 

I'm just about to hit Homeserve with a substantial claim.

 

Hi We have spotted your post and would like to help, if you do require any assistance, please email the Here to Help Team at [email protected] Kind Regards Jack Here to Help Team HomeServe

Here To Help Team

HomeServe

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