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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 
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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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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      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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    • 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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RBS: How to claim compensation and repair your credit rating after IT glitch


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Credit reference agencies have warned that late payment of bills can make it more difficult and more expensive for consumers to borrow money in the future and that people will have to be able to prove any payment problems were caused by the banking glitch. James Jones, head of consumer affairs at Experian, said: “It is perhaps yet to sink into the public, the potential ramifications in terms of adverse data about repayments. “If any payments are delayed, you really need to have a conversation with those creditors.".

 

“Many organisations now share data. It’s not just traditional lenders but mobile phonelink3.gif companies, utilities, broadband providers, mortgages, hire purchase agreements.” Mr Jones added that lenders should allow seven to 10 days before recording a late payment. Meanwhile, Neil Munroe, executive director of Equifax, said the agency was anticipating “more disputes” about missed and late payments.

 

Experian can be contacted on 0844 481 8000 or at experian.co.uk

 

Equifax can be contacted on 0844 335 0550 or at equifax.co.uk

 

Callcredit can be contacted on 0845 366 0071 or at callcredit.co.uk

 

Make a list and keep receipts

 

The Financial Ombudsman Service (foslink3.gif) has warned that the knock-on effects from the computer meltdown could take some time to rectify. FOS spokesman David Cresswell said there would be a “ripple effect from the original problems”. He urged consumers to keep a detailed record of all their transactions, including receipts, late payment penalties and overdraftlink3.gif fees. “What you need to do is make a clear list of how you have been affected, so you can go back to your bank and say: ‘This is the complete picture, how can you help?” he said.

 

How to complain to the Financial Ombudsman

 

The FOS advises that complaints should be made first of all to the bank or company concerned. They have eight weeks to look at the problem. The FOS can contact the business on the customer’s behalf. It added that it may be able to provide compensation to some consumers if the bank is unable to resolve all disputes on its own. The Ombudsman can be contacted on 0800 023 4567 0800 023 4567 or at financial-ombudsman.org.uk.

 

Beware of e-mail [problem]s

 

Many of the Natwestlink3.gif, RBSlink3.gif and Ulster Bank customers affected have reportedly been targeted by fraudsters following the banking calamity. According to the Government’s Action Fraud centre, phishing e-mails are in circulation, claiming to be “security upgrades” and asking people for their account details. People are being urged not to click on any links or attachments in suspicious-looking e-mails. The RBS Group said it would never contact anyone in this way to ask confidential details.

 

Bank contact details

 

Customers experiencing problems can contact RBS and NatWest on:

 

0161 931 9959

0800 656 9639

0845 777 7766

 

If you’re calling from overseas the numbers are:

 

NatWest +44 (0) 8705 88444

RBS +44 (0) 13154 98888

 

Ulster Bank customers can cal:

l

Republic of Ireland 1800 205100

 

Northern Ireland 0800 231232 0800 231232.

 

Rememeber you demand that your credit file is cleansed of ALL entries. If you found a late payment on your credit report, take it up with the lender and if they refused to remove it, you could of course add a statement to your report (called a notice of correction) to make sure anyone using the data in the future is fully aware of the circumstances.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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