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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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    • 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.  

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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      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
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Want to complain for Irresponsible lending - Need advice **WON**


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id personally given the adjudicator another bit of time - in my cases, I have had 3 cases where the adjudicator has changed their mind after deciding against me. There is no just way I cannot see you not winning this case though given the long term nature of the lending

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- in my cases, I have had 3 cases where the adjudicator has changed their mind after deciding against me.

how, with new evidence or going through things again, or...

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Hi guys,

 

The adjudicator is currently reassessing his decision... Hopefully my email hasn't upset him too much. I was very respectful and thanked him for his time looking at things so not to appear as though I was dismissive. I'm more than happy to wait and see what he says, I just hope the extra information I've given helps but if not I'll have to go to ombudsman... But I'll let you know before I do anything. I'm just hoping that he sees things from my perspective... I'm not trying to rip anyone off but to use the fact that I always paid on time as a reason to state that QQ didn't know I was financially struggling is a bit off side I think.

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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in one case, I submitted new/additional evidence (although I suspect this just gave them an excuse to right a decision they knew was wrong). In another case, I basically just kept asking the adjudicator to keep looking at points she appeared not to have missed or not referenced in the decision she made ( I believe she just took a lazy approach). I n the third case with Wonga, I got lucky as they did not adhere to the original adjudication decision in the agreed timescale which allowed me to argue that I only took a deal with them because they said they would settle quickly, when they didn't, I got the case re-opened

 

 

....this was in three cases out of around 11 I had lodged with FOS - the rest I all won....

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cheers for that info. well done on the wins.

keep at it then multay. dont worry about 'upsetting' the fos, they are supposed to be objective...! :)

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  • 3 weeks later...
  • 3 weeks later...

Hi Guys,

 

A small update.

 

The adjudicator did indeed change his mind and agreed with me. He knocked off a couple of the initial loans which I think is in line with current guidelines about no more than three rollovers.

So the amount he proposed to QQ was quite significant.

They have now come back again and made an offer - A very small one ignoring the proposal made by the adjudicator - Which I have rejected.

I've written to the adjudicator and explained my current financial situation and that I think QQ are simply attempting to employ delaying tactics in the hope that I give up out of desperation. They have ignored his findings even though I was prepared to compromise. I've asked what the next step is but think it will probably be the Ombudsman now, this has dragged on for 6 months with QQ delaying at every turn...

 

M

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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The adjudicator did indeed change his mind and agreed with me
good.

has qq formally rejected the adj decision?

 

if you agree with the adj decision, then you shldnt need to escalate it.

afaik, qq shld either accept the adj decision, or if not then escalate it themselves?

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good.

has qq formally rejected the adj decision?

 

if you agree with the adj decision, then you shldnt need to escalate it.

afaik, qq shld either accept the adj decision, or if not then escalate it themselves?

 

Hi, I don't totally agree with him. I think they should refund everything but the totals aren't massively different. I don't know if it's a formal rejection, more of an offer that suits them.

Adjudicator is putting the original offer to them again with a short reply period and if they still don't accept, it will go to the ombudsman.

 

Thanks

M

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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Adjudicator is putting the original offer to them again with a short reply period and if they still don't accept, it will go to the Ombudsmanlink3.gif.

ok. seems then that if qq then dont accept the adj decision, they will have to formally reject it and so escalate it to an ombuds.

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  • 1 month later...

Hi,

 

Quick update.

 

Adjudicator went back to them after I refused their second offer.

 

 

They then came back to me with a significant increase and an admission that

"some loans may have been irresponsibly lent".

 

 

It's nowhere close to the amount I think I'm entitled to so I rejected and it is now with the Ombudsman

- It's a big gamble on my part but I don't see why they should be allowed to flout the rules

and get away with it.

 

 

QQ have stalled, delayed and refused to provide info time and time again in the hope I will settle

but I'm sticking with it despite the distress this is causing me.

 

 

I'm hoping to get a decision this week and fingers crossed it will go in my favour,

if not I'm not sure what else I can do...

 

 

Thanks,

M

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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  • 9 months later...

Update..

. it didn't go to the ombudsman in the end.

 

The adjudicator revised his proposal further and I got close to the amount I initially calculated.

 

A significant payout from them that more than covered the interest I paid but possibly not the 8% interest on top.

 

I was pretty happy with the outcome,

 

so give it a try and don't be put off by the hurdles..

 

. if they didn't try to profiteer in the first place,

there would nothing to claim back!!!

Thanks for your help everyone... M

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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good result then

glad to help

 

 

don't forget to help us help everyone too.

 

 

 

 

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