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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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hi there

after i have asked for the cca and not received it and the done a DSAR and still not received the agreement. and having exchanged many letters, that still got nowhere, today a default notice turned up.

 

any advice on this one would be greatly appreciated, thanks in advance

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Hi LGIS, [short for letsgetitsorted],

 

My Default Notice is similar to yours. I received a lot of help on this thread which I believe you could too. I posted the link below. The default notice does not appear to have the creditors address, is missing prescribed text and does not appear to be dated.

 

(the date on the accompanying separate letter dated is NOT acceptable as a date for the purposes of the default notice, which is a stand alone document

 

in short it's pants

 

any demand for payment in full of the outstanding balance of the account thereafter would be an unlawful repudiation

 

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/196312-invalid-default-notices-64.html

 

What date is written on your Default Notice?

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Hi Fretful

thanks for your input on this on, the only date is on the covering letter of which is 15th April.

having received the notice yesterday 14days takes it to 3rd may which is a bank holiday so would this mean that the actual date for rectifying the breach would actually be Friday 30th

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Hi Fretful

thanks for your input on this on, the only date is on the covering letter of which is 15th April.

having received the notice yesterday 14days takes it to 3rd may which is a bank holiday so would this mean that the actual date for rectifying the breach would actually be Friday 30th

 

Hi LGIT, I suggest that you post up your questions on the

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/196312-invalid-default-notices.html

 

you will most definitely get so much help and advice to your questions as I did.

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  • 11 months later...

Can Anyone give me some advise on where to go with this one.

 

I asked Vanquis for my for my signed credit agreement last year, never received it,

done DSAR this came back incomplete.

 

finally they defaulted the account on the back of a dodgy DN, and then a few days ago sold the account to Cabot.

 

who are now asking for the Balance of which £700 were charges added whilst the account was in serious dispute,

not only that they, are adding 12% interest.

 

so what will be the best way to deal with these muppets who purchased a debt that was in serious dispute.

all and any advise will be greatly received......THANK YOU

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Letsgetitsorted.Hi I guess you sent your CCA request by recorded?

 

The SAR you say came back incomplete,can you tell us what was missing.

 

As the account was in dispute and the CCA and SAR did not produce an agreement or a reconstituted version of the agreement and no T&CS then advise Cabot that they purchased a debt that was in serious dispute,and they are well aware, OFT guidelines clearly state this must not happen,and suggest they return the account to Vanquis.

 

Being Cabot they will give you a load of reasons why they shouldnt,if this happens come back and we can help with the next move.

 

Regards FS

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Hi FS

The CCA was missing not even a reconstituted one,

 

they sent their latest terms and conditions and not the one for when the account was activated,

no statements or account transactions, no copies of any and every letter i sent them,

 

no terms and conditions, no records of calls that i made to them, no breakdown of charges and interest..

 

....so in all quite a lot missing..

 

..they sent one set of info that included a sheet that said repayment protection insurance,

 

this was crossed out and had written in was repayment option plan..

 

..however they sent another set of the same that included a sheet that said repayment protection insurance.

so not only where charges in dispute but so where the payments for the insurance.

 

..vanquis then sent a DN which wasnt a valid one, mine is exactly the same as this on bare the amounts.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?287353-Vanquis-What-a-nightmare-outfit-Refused-affordable-payment-Issued-undated-Default-Passed-to-1st-Credit&highlight=vanquis+default+notice (thanks to alfwithhair for posting his up).

 

there we have it FS where too from here....i was actually thinking of sending Cabot a DSAR to see what they come up with.

 

cheers for you help.

lets

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Can Anyone give me some advise on where to go with this one.

 

who are now asking for the Balance of which £700 were charges added whilst the account was in serious dispute, not only that they, are adding 12% interest.

 

There's absolutely nothing wrong with them adding interest and charges to an account despite you believing that there is a 'dispute'. Can I ask what makes you think that they can't do this?

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As the account was in dispute and the CCA and SAR did not produce an agreement or a reconstituted version of the agreement and no T&CS then advise Cabot that they purchased a debt that was in serious dispute,and they are well aware, OFT guidelines clearly state this must not happen,and suggest they return the account to Vanquis.

 

firstship,

 

Sorry but you are mistaken on this point. Selling a debt is NOT debt collection, it is merely the sale of a debt.

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nicklea you are probably correct as the debt has been sold rather than a DCA acting for the OC.Need to check this with OFT

 

 

Lets do the same thing that you did with Vanquis CCA and SAR Cabot,Vanquis could not comply so there is a good chance Cabot cannot either.

 

Regards FS

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Hi Nicklea

 

 

when the account went into dispute i was paying the minimum payment,

 

but charges where loaded and loaded and loaded some more on top of that the interest rate went up as well as their "repayment option Plane" PPI.

 

so dispite paying i was getting charged more and they took the bare minimum to make sure more charges where added..

 

. so yes too right i think they are in the wrong.

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Lets,Hi,been giving your thread some thought today.Cabot purchased the debt from Vanquis while this account was in serious dispute.So Cabot have purchased the debt,the dispute and the charges that where made unlawfully(or in contravention of OFT guidelines}

 

This being the case(remember Cabot have paid peanuts for this debt )TRY telling them in writing just that,and that you have no intention of paying any further money until the dispute(name all those items that are missing the agreement etc) and the removal of all charges and interest.Might be lucky to get all these items,

 

In my thread line NO7 I said CCA and SAR Cabot,DO NOT do this you have paid once

 

Wish you all the best FS

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Lets ,good things are moving,lets see what the result is,at the present just wait,as they have acknowledged it will take time,then you do not have to pay,been having a very similar chat with Godmother over Cabot on another thread

 

regards FS

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U need statements mainly and the CCA. Basically the statements will help u claim back any PPI and charges.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Lets remember you paid Vanquiis for the info,you put them in dispute so Cabot purchased the debt so they need to comply and they have confirmed this in their email reply.Got to say Cabot are not the best with the speed of their replies,just dont pay them and make it clear why.I think you are at this point anyway

 

regards FS

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Fs.

indeed i am,

 

this all started in October 2009 when i received a county court claim from cohen,

 

that panic me bit, but with the help from here and all those who had been in a simmular situation

 

i managed to sort it and the debt got wiped and my credit file entry amended,

 

hence followed guidance and requested all of my CCAs and so far none have come up trumps.

 

the easiest i had to deal with was Lowell they sent a bill i asked to prove the account and supply CCA,

they couldnt account closed credit file amended took all of about 7 weeks,

and this was all down to the great advise from everyone here.

....THANK YOU..

....so i will not let Cabot get the upper hand, even if they come up with the CCA, the account was closed on the back of a Doggy DN.

 

..not to mention the charges and PPI whilst the account was in dispute.

 

....i will keep you updated on this..

..see where it leads.

 

...Many Thanks for you support always appreciated.

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Are you saying this is ALL for the Same account or different ones?

Also remember Cabot are NOT obligated to provide the information u are missing Vanquis is. U can make a formal complaint to the ICO re the lack of info in the SAR. Also u can start legal action against them for it aswell. tho the legal action maybe the quickest the courts can order u pay the cost of the other side. I know when l made a complaint over the phone and requested info they were 18 months behind and was advised court action might be quicker.

 

I would fire off a complain to the ICO this is there website. http://www.ico.gov.uk/

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi GM

No, it was for 2 other accounts,

I am going to see what Cabot have to say when they come back to me. but in the meantime i will contact ICO, Ta for the link, and also FOS to tell them of the shinanigans that Vanquis have been upto.

see what happens there.

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hi All

Well this is what i have just had back from Cabot

Any thoughts anyone.???

 

[quoteFirstly, I note your concerns relating to your previous Subject Access Request ("SAR"), which you state was made to Vanquis, the original lender. I note from our records that we responded to advise you we have contacted Vanquis to investigate your concerns and upon receipt of their response we would contact you again. Vanquis have confirmed that your SAR was fully complied with on 10th March 2010. In addition, they have advised that you previously made a request for information pertaining to your account, pursuant to section 77/78 of the Consumer Credit Act 1974 and the relevant information was sent to you on 31st December 2009. As a result, Vanquis no longer consider your account to be in dispute.

 

As you are already aware, a SAR is made in accordance with the Data Protection Act 1998 ("DPA") and as such, Vanquis' legal obligation under the DPA is to provide you with all information they hold on their files and relevant filing systems. Therefore, with regards to your comments relating to documentation that was missing from your SAR, if this information was not held on file, then there would be no requirement to include this in your SAR. In light of this, should you remain disatisfied with the informaiton that Vanquis has provided regarding your account, I would request that you refer this matter to them directly.

 

In addition, I note your SAR to Cabot Financial (Europe) Ltd ("Cabot"). However, in order for us to proceed, we require a payment of £10.00, which is the statutory fee for this request. Therefore, please forward your cheque or Postal Order made payable to Cabot in order for us to continue and upon receipt of the same, we would be happy to supply you with the information that you have requested. However, I must reiterate that should Cabot not hold a copy of your credit agreement or terms and conditions on file, then this information would not be included in your SAR. Furthermore, Cabot does not hold details of any Payment Protection Insurance ("PPI") on file, as we are not the original PPI administrator. Therefore, we recommend you specifically request the same from Vanquis, should you still require this information.

]

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So now part of the STANDARD account information kept on file and in the relivant filing systems DOES NOT include payment made lists of charges etc. ROLEX.

Vanquis have to supply you with all this info and if they dont the ICO can make them supply it and can compense you for not doing it.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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