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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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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Experian - Aspire keep phoning me to arrange a loan!


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Hello! I've recently obtained my credit history from Experian Credit Expert, following a loan application being unexpectedly declined (previously excellent credit record) and am now trying to resolve this. It's quite painful! Unwittingly, and just trying to find out what my options might be other than a bank loan, if my credit rating isn't resolved, I pressed the key for "further information" and explanation of the results of this little investigation. Oh, I wish I hadn't! An outfit called Aspire are now hounding me to apply for a loan with them - they are shown as being Experian's "advisers" on loans. They've phoned me five times today (at work, I put them off) but I know they'll phone me again. I don't want to apply for a loan, I thought I'd get some advice online from them. I really should have known better - they've texted me twice as well as phoning. Is this really what Experian are supposed to be doing? I have become completely disillusioned with CRAs as I've tried to resolve my credit position in the last few weeks. No one will do anything quickly, either. They seem to hold differing information about me, too, which hasn't been very helpful.

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  • 1 month later...

Hi, new to this forum. Same thing here!!! Not sure how to proceed, as we do actually need a loan and aiming to get rate low as possible as own bank offering stupid APR %. Aspire seem reasonable and aimimg to hlp. I agree that Experian should NOT be doing this, as I di not ask to be directed towards that link and they then phoned. Have to wait and see if it backfires or not

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DO NOT GO WITH A LOAN COMPANY WHO CONATCT YOU!

Don't forget the old addage, anything that seems too good to be true probably is!

Not had dealings with them, but have you Googled them? Do they ask for an upfront fee?

 

Getting strange calls myself after taking Equifax on for mishandling my data (Check your table 1 searches and get back to me if any of them are from a DCA).

 

HB

 

Read on hear recently that CRA's are selling details, and intend to look into it further.

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

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DO NOT GO WITH A LOAN COMPANY WHO CONATCT YOU!

Don't forget the old addage, anything that seems too good to be true probably is!

Not had dealings with them, but have you Googled them? Do they ask for an upfront fee?

 

Getting strange calls myself after taking Equifax on for mishandling my data (Check your table 1 searches and get back to me if any of them are from a DCA).

 

HB

 

Read on hear recently that CRA's are selling details, and intend to look into it further.

 

 

We cannot hide from even the credit scorers eh?? They seem to look for loans based on your Experian score? i couldn't see anything underhand with how they operate, and it seems that you are under no obligation to proceed with any loan. Also, as they 'appear' to be promoted by Experian I don't believe that a credit agency with this amount of clout would risk their reputation gambling with Aspire if they used underhand tactics......i may be very wrong however! I tried to post theaspire link but apparently being new to this site I have to post a certain amount of times before it will allow me to do so

 

 

 

 

Cheers!

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certainly dont go with them

register yourselves with tps gentlemen.

 

dx

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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I must admit, Experain do seem to be the most proffesionial of the 3 CRA's, but they also appear to be passing details on to a loan company! :|

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

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Sadly our data isn't OURS, it is a sellable commodity, and data is used for all sorts of things.

 

Even before you are born there is data about you, from the time your birth person (apparently a new PC name which can encompass surrogate mothers (paid and unpaid) and all other eventualities) first attends a clinic when they are expecting you - and when you are actually born not only is the data file set up you also have other records set up. It is a very easy area to get paranoid about, and a very easy area to be complacent about.

 

Experian are unregulated, unlicenced and uncontrolled and therefore they should NOT have such a hold on society as a whole as they do.

 

Rant over for today!

 

If any company contacts you from a contact from Experian the route to go is to complain to Trading Standards and the Information Commissioner and the Ministry of Justice, that way a file will be built up on this unregulated, unlicenced activity and if enough people complain then they will have to do something.

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