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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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Struggling with Alliance and Leicester PPI claim


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Hi guys, I have recently contacted Santander regarding an alliance and leciester loan which was taken out about 2004.

 

I have had a response saying that they are unable to locate an account, product, or PPI policy based on the information provided and as such they will not be upholding the complaint.

 

As my own memory of the loan is sketchy other than the amount and the fact that I did pay PPI

(I was told at the time my application would likely be unsuccesful without taking PPI);

 

 

I was wondering if there is any other way I may find details.

I have no paperwork left to do with the loan,

and the bank account that repayments was made from is long closed down

(Was with natwest I am going to contact them to see if they still have any records),

the loan is also long gone off my credit file.

 

Any assistance would be greatly appreciated.

 

Gary

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Hi Gary,

 

I think you may toil to get any of them to part with your old account details, it may be worth your while sending Natwest a SAR.

Did you give Santander details of your address ect at the time you took out the loan with A&L.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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did you sar Santander first?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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HI Maroon & dx.

 

I actually didn't send a SAR to either organisation, though in the case of Santander I did give them details of my old address. Perhaps it would be worth my while sending the SAR's to both of these? (And also Egg C/O Citibank that I recently send the PPI document to for an old egg loan/credit card from the same period.)

 

Just shows the importance of retaining documents to do with loans etc as I'm sure if I still had the documents or at least account details I would find this all a much simpler process!

 

When sending a SAR do I need to make it clear that I want any information regarding to companies that they have taken over too, or does the request cover anything that they have on any systems/databases etc?

 

Thanks

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Hi,

 

The SAR should cover anything they have on you including any loans ect they have taken over.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 5 months later...

Hi guys,

 

Update on this.

 

 

I did the SAR to Natwest and have been sent bank statements that show the loan from Alliance and Leicester going in;

have sent Santander another letter with the date of loan and the correct amount etc.

 

 

I will do a SAR to santander if they don't come back with anything,

thought when I queried SAntander saying they couldn't find any information on the A & L loan I was told that they would have it somewhere but in paper archives and they are unable to go through them all to find the information.

 

I am awaiting their response from my updated request and go from there.

I will update this in due course.

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sadly for them if they at they have it

they must find it.

else off to the ICO you go

just because 'they cant be bothered..is NO excuse to not comply to an SAR.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi...

 

So are Santander something to do with Alliance and Leicester?

 

When I had a bank account with Abbey National, I had credit cards for both A&L and MBNA...I also had a Capital One card... I'm not sure if they are all connected with Abbey/Santander, though...

 

Time to SAR I think!

 

Is there a specific address, please, or an online form or does one just apply to the nearest branch?

 

Thanks, Theda.

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Cap1 not

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 1 month later...

So a summary of where I am at with this, any advice would be appreciated.

 

1. I wrote to SAntander regarding a loan I had with A & L that I definitely paid PPI on (Dec 16).

 

2. They replied saying that they can't find any details and that I would have to provide more details, I called to discuss and was told that they would have details of loans from that period but they would be in paper archives and too difficult to locate (Jan 17).

 

3. I write to them with exact details of the dates and loan amount, including repayment details (May 17).

 

4. They write to say that they still can't locate details and asked if I have proof of the loan, repayments and/or PPI being paid (june 17).

 

5. I report to the Financial Ombudsman Service to ensure that the complaint doesn't go past the 6t month period, receive complaint reference etc (June 17)

 

5. I send santander bank statements showing the loan being paid into my account and repayments coming out of my account (July 17).

 

6. Last week I receive the attached response.

 

I am going to send a SAR into santander as recommended above (Thanks DX) - but am fearful that they will respond without details of the loan, would there be any other way I can try and get them to find details? Unfortunately my bank statements from the time of the loan and my bank itself say they are unable to locate any reference numbers to do with the initial loan going in and repayments coming out of the account.

 

As I say any further advice would be appreciated. Thanks :)

 

 

SAntander_PPI_RED2.PNG

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dunno if itsjust me

but it smacks to say we already thought we knew you coulnt go to the FOS

so we'll fob yo off with this response as we know you cant go anywhere with it.

 

 

now i'd call their bluff

i'd write back and state that you registered the complaint with the FOS whilst awaiting their last reply

as you knew it would expite if you didn't.

 

 

the FOS has advised that an official SAR is sent to you

then you have no excuse for not looking hard enough as an official request had not been made.

 

 

the FOS have advised me to recontact them in 6 weeks with your reply to the Legal request for documentation under the SAR.

 

 

I look forward to you hopefully now finding the information.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks DX, I will do as you suggest.

 

Strangely though in my last letter which this is the response for - I did explain I had referred it to the FOS and included the reference number, so they know that I have referred to them. I will now write again with the SAR and mention that it is on the advise of the FOS that I have sent it, and that they have requested that I let them know details of what I am sent back.

 

The most disappointing bit of this is where he suggests a way to move forward, I thought they may actually be reasonable at that point!

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just as a side issue

drop in the that the FOS made a comment about there might be information held by Santander's insurance underwriter and maybe an avenue of the claim going to them, but he was at that time unsure who the underwriters were.

 

 

they might cough that info up?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

just as a side issue

drop in the that the FOS made a comment about there might be information held by Santander's insurance underwriter and maybe an avenue of the claim going to them, but he was at that time unsure who the underwriters were.

 

 

they might cough that info up?

 

Hi,

Ive recently had an issue with Santander regarding an old Mortgage account from A&L days. They also said were unable to find any information relating to my mortgage. One of the advisor's did drop a nugget by saying Santander have a department who solely deal with "old A&L accounts" this may be just mortgages, not 100% sure. When i phoned and spoke to said department, low and behold, they had all the information about my old A&L Mortgage account, subsequently sending the information i had previously requested within my SAR. The A&L department number: 08000851590.

Hope this helps and good luck

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