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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…..    
    • 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.  
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Acenden repossession court order


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Hi Indistress, you need to apply to the court to suspend the warrant for eviction. What date is the eviction set for? What are you able to offer as a payment arrangement?

 

Kind Regards

 

 

Ell-enn

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I recieved an eviction notice yesterday and I am trying to find all the help.

My eviction date is 10th July. For a secured loan.

I was in court in Nov 07 for a repossession order and they agreed for me to pay £100 extra per month, I paid it for a few month, then I went on the sick with postnatal depression and fell behind with the payments, I spoken to my my lender (prefered) on the 11th June and went through a budget sheet and they took my bank details to restart a direct debit, I offered on extra £100 on top of the original to clear off the arrears I caused. I heard nothing more from the compant till the 18th June I recieved a letter from the solicitors telling me they put on order in for eviction (letter dated 13th June). I phoned my lender up and they told me I had to pay £3700, I have been worrying about this as I have a 7 month old baby and a 12 year old, I am going to pay something on the 1st of July off my arrears but not the full amount :confused:

I have been reading to fill in a N244 form, will it be worth it? And are the judges lenient for homeowners to stay in their homes

 

Thanks S

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If you are able to make an offer of payment each month towards the arrears I can see no reason why the court would not grant a further suspension. You need to fill in an N244 form and I can help you with that. You can download the form at Her Majesty's Courts Service - Home

Select Forms and Guidance from the menu on the left hand side and then enter N244 in the box. When you have downloaded the form let me know and I'll walk you through it. The most important part is Part C which is what the judge will use to make his decision.

 

Do you have a copy of the budget sheet you did for the lender? you will need to attach one to the N244 to show you can make the payments you are promising. The fact that you have 2 young children at home will carry a lot of weight with the judge, so try not to worry too much.

 

Kind Regards

 

Ell-enn

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I dont have a copy of the budget sheet i gave the lender :mad: but when I done it they wouldnt take in effect my husbands wages as he is not on the mortgage, but when we married I lost £800 per month (widows benefit and tax credits) is it worth putting housekeeping money down from my husband to give to the judge. Thats why Capstone have persued this as they dont think I can afford to pay it........

I am willing to pay £400 plus a months payment on the 1st, should I still go ahead and pay this? Even though they aske for the £3700 will they still take payment over the phone?

 

I have a N244 form. Do you think I should go to court with a representive ie solicitor

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Hi, yes you should make the payment on the 1st July as this will look good to the court and show you are committed. You need to download a budget sheet here: National Debtline England & Wales | Personal Budget Sheet

 

tick monthly and Windows boxes.

 

You will see in the income section there is a box for partner's income. When you fill it in make sure you don't underestimate your expenditure - it's better to err on the high side in case things increase in the next few months, or you have an unexpected expense.

 

Ell-enn

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Do you have a solicitor? it would be helpful if they accompanied you - if you can afford it.

 

I filled a budget sheet today as I went to CAB to see if I could get advice and I went prepared but they couldnt help

 

Why couldn't they help? :o

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Yes, will do - as usual.

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Hi there, if you give me 15 minutes or so I'll draft a statement for Part C of the form. Also, ring your local court in the morning and ask if they have any CAB representatives in attendance, a lot of courts do and they are invaluable - they will come in to the hearing with you and support you. Sometimes there are solicitors from law centres at courts too who will accompany you.

JonCris is right, it's unbelievable that CAB can't offer help with your situation and as he says ring another one in the area.

 

Back soon.

 

Ell-enn

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Hi this is a draft of the text for Part C:

 

 

I respectfully request the court to consider the following when hearing the claim for possession.

 

 

  • The current arrears arose as a result of my being unable to work due to suffering post natal depression following the birth of my daughter.
  • A payment arrangement to clear the arrears was agreed with the lender by telephone on 11th June, following a review of my income and expenditure with them. Bank details were given in order to set up a new direct debit.

I was distressed to then receive a letter dated 13th June from the claimant’s solicitors advising that an eviction order had been sought.

 

  • I am confident that I can maintain my offer of £100 per month in addition to the normal monthly payment of £xxxx (please see affixed income and expenditure statement – Appendix 1).

When considering my offer of payment towards the arrears I respectfully ask the court to take into account the case of The Cheltenham & Gloucester V Norgan.

 

  • A payment of £xxxx which includes £400.00 (is this correct) towards the arrears will be made on 1st July 2008.
  • There are two children aged 7 months and 12 years resident in the property.
  • I assure the court that I am committed to reducing the arrears in order to maintain stability for my young family.

............................................................................................................

 

On the budget sheet write the claim number on the top left hand corner and Appendix 1 on the top right hand corner and staple to the N244. Make sure you take a photocopy of the form and attachment before taking it into the court.

 

Front page of the N244 - boxes top left:

1. you should tick at a hearing.

2. estimate time for hearing ...10 mins

3.isthis agreed by all parties. tick no

4. give dates of trial...no trial.

5.level of judge...district.

6.parties to be served...both..

 

 

Part A: cross out (we) then cross out other options to leave Defendant.

Cross out (a draft of which is attached)

that - suspends the order for eviction.

because - I am in a position to make regular payments to clear the arrears.

 

Part B : tick the box for evidence in Part C

 

When you have made the payment on 1st July make sure you have a receipt (bank statement etc), you can then take that to the court with you on the day to prove payment.

 

Any questions, just shout:)

 

 

 

 

Ooops, a couple of the paragraphs have moved to the left when I copied the text over into the post:

 

Paragraphs starting "I was distressed" and "When considering my offer" should sit under (in line with) the paras above them.

 

You can copy the text from the post and paste it into the N244 you have downloaded, you just need to print it out then.

 

Kind Regards

 

Ell-enn

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Yes, put both. Sorry, I've just realised that the form has been changed in the last month,

 

2. Defendant

3. Suspend eviction order

4.No

5. At a hearing

6.10 minutes

7. No

8.District

9.Both

10. Evidence in box below

 

Ell-enn

 

In Part 10, if you can't fit all the text in the box (probably won't fit) put it on a separate sheet and write your name top right and case number top left.

 

Ell

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10. You sign the statement of truth - so you chose

I Believe on first line

Applicant underneath signature,

then full name underneath that.

 

11. your signature

Applicant

your address details.

 

Ell

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That's good - I'm sure it will be fine. I have been involved in helping people in a much worse situation than yours, and with much higher arrears, even on the day eviction was due to take place, and they have kept their homes. You have an income which will support the payments, and young children and it would be a very, very unusual for a judge to award possession in your circumstances.

 

Take the forms to the court as soon as you can and you should get a hearing within a few days - the court staff will probably give you a date there and then.

 

Stay positive - and stay in touch:)

 

Kind Regards

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Sorry to read of your situation, but try to stay positive, Ell-enn is fab and you should follow all her advice. I have just been to court and thanks to Ell-enn was given a suspended order, however the judge said at the hearing if at anytime you cant keep up with the payments apply to the court for another hearing (n244) and they will look at reducing the payments. We dont have chilldren and as said by others if you are willing to try paying the judge will look more favourable at you then the money hungry banks etc. Keep your chin up and listern to Ell-enn (she knows what she is talking about)

 

Regards

 

Chris

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