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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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HPH2/Cohen Claimform - old HSBC Credit Card 'debt' ***Claim Discontinued***


RU753
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Hi,

 

Could you help me with a Northampton county court claim dated 13 sep 2016 which is for £935.50 + interest.

I have acknowledged it online and the issue date is 13 Sep 2016.

 

Claim History

A claim was issued against you on 13/09/2016

Your acknowledgment of service was submitted on 22/09/2016 at 20:20:43

Your acknowledgment of service was received on 23/09/2016 at 08:01:36

 

I want to dispute the whole claim which I have told the court online as im not sure about this credit card or when it was taken out as at that time I had so many debt but im not sure which one this is.

 

Which forms do I need to send off to the claimant and the solicitors.

 

CCA and 31:14?

 

Any help will be appreciated.

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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,

 

Thank you for your reply.

 

Name of the Claimant ? HOIST PORTFOLIO HOLDING 2 LTD

Date of issue – 13 Sep 2016

 

Particulars:

 

1.The claim is for sum of £935.00 in respect of monies owing under an Agreement with the account no.xxxxxxxxxxxxxxxx

pursuant to The Consumer Credit Act 1974 (CCA)

The debt was legally assigned by MKDP LLP (Ex HSBC) to the Claimant and notice has been served.

2.The Defendant has failed to make contractual payments under the terms of the Agreement.

A default notice has been served upon the Defendant pursuant to s.87(1) CCA.

 

3.The Claimant claims

1.The sum of £935.00

2. Interest pursuant to s69 of the County Court Act 1984 at a rate of 8.00percent from the 20/04/11 to the date hereof 1968 is the sum of £400

3. Future interest accruing at the daily rate of £ .21

4.Costs

 

What is the value of the claim? £935

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card

When did you enter into the original agreement before or after 2007? Not sure

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. HPH2

Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I can remember

 

Did you receive a Default Notice from the original creditor? Not that I can remember

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

 

Why did you cease payments? I had a few debt and lost my Job and had to stop paying all of my debts but i'm not sure if this is one of them.

What was the date of your last payment? Not sure

 

Was there a dispute with the original creditor that remains unresolved? Not sure

 

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management plan?

Yes I did pay some of the other debts but I really can't remember this one.

 

Thanks.

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so

CCa request to the claimant

CPR 31:14 to Cohens

 

 

don't sign ANYTHING

leave the £1PO blank and uncrossed

 

 

might give you more info if you go check your credit file

see if this debt shows.

 

 

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 gather from you mentioning MKDP that you've prob had ots of various letters over the years

some dates on history would be nice

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

Thanks allot DX, :-D

 

I will check the credit file as I didn't think of that.

 

Could you please check the red parts of the CCA and the 31:14 as im not sure if they are ok and if im asking for the correct stuff.

 

[templates removed - dx]

 

alot of the letter went in the bin as it was sent to my old address but then I changed my bank address about 5 months ago to my new address and I received a letter saying court action will take place and soon after I received the CCJ

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please read the top of those letters.....

 

 

and you've not got a CCJ

you've got a claimform...

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

Opps, yes its a claims form silly me. :-)

 

 

please read the top of those letters..... which ones?

 

On the CCA you gave me a link to its asks to pick s.77/78/79 (delete as appropriate - see post 3 below) on post 3 it says credit card is 78 would I take out 77 and 79?

 

s.77(4)a/78(6)a/79(3)a(delete as appropriate) which part do I delete here?

 

 

On 31:14

 

1. The agreement...

2. The assignment by MKDP LLP.

3. Default notice.

4. Contractual payments.

 

is it the above what I need to ask for?

 

Thanks for your swift replies DX

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no they both say what right at the top....

PLEASE DONT PUBLISH IN THE OPEN FORUM......

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

Opps, yes its a claims form silly me. :-)

 

 

please read the top of those letters..... which ones?

 

On the CCA you gave me a link to its asks to pick s.77/78/79 (delete as appropriate - see post 3 below) on post 3 it says credit card is 78 would I take out 77 and 79?

 

s.77(4)a/78(6)a/79(3)a(delete as appropriate) which part do I delete here? a credit card is what ....78 ...so work it out...

 

On 31:14

 

1. The agreement...

2. The assignment by MKDP LLP.

3. Default notice.

4. Contractual payments.

 

is it the above what I need to ask for? what is mention in their poc..

 

 

 

Thanks for your swift replies DX

 

 

no being funny nor obstructive

but its a legal process and you need to understand why and what..

everyone else manages..

take your time.

dont need posting till the morning.

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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so you want them to lift the sig and place it on fake paperwork..

not that any DCA would ever do that of course...

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

please just get on with it

we've done 1000's of claims here

 

 

they do not need to be signed.

READ THE 2 FULL THREADS

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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the clickme links where you got the CCA and CPR from

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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  • 3 weeks later...

Hello dx,

 

I have received a reply back from Robinson way and Howard cohen

 

https://drive.google.com/file/d/0BytXDIYLA5NNOVNRc2hWQkNoS0U/view?usp=sharing

 

https://drive.google.com/file/d/0BytXDIYLA5NNNU9rY0swWUgtZlE/view?usp=sharing

 

Please could you tell me what I need to do now?

 

Many thanks,

RB

 

Also, my last day to put my defence forward to court is in 4 days time on the 16th.

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both std letters they send to everyone.

if you had looked at any other like threads here

 

 

as for your defence

likewise you need to go look at like other threads

I cant see you've actually viewed any others ??

 

 

this is a self help site too.........

 

 

have a go at a defence

post it up

and we'll help

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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Yes, I have looked at other posts some people send a defence saying they didn't get the documents requested and some people ask for an extension but id like some more to read could you give me some links which I could look at which are similar to mine, please.

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you do not want to give them more time to magic up paperwork...old hat

 

 

copy and paste your thread title

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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search cag box of the top red toolbar.

 

claimform credit card debt 2016

 

by old hat I mean that's a old defence you must have read.,

 

its a speculative claim

hoping for a non contested [defended] default rubberstamped judgement

where nothing is checked.

 

you defended now put them to strict proof to PROVE their case

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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Hello Ford,

 

Could you check my thread and advise me on which document or template I need to send as a defense now? dx is helping me but the more help I get the better.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?469936-HPH2-Cohen-Claimform-old-HSBC-Credit-Card-debt&p=4950011#post4950011

 

Many many thanks,

ru753

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