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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.
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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…..    
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natwest overdraft debt


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A couple of years back i was in a mess financially. countless pay day loans etc, there got to a stage where even the pay day loans wouldnt lend to me as i assume my credit score was too bad.

 

Now i hadnt been able to get an overdraft or anything for years, natwest suddenly offered out of the blue a 2500 pound overdraft, i obviously took it and then managed to top it up up to about 3700 over about a year.

 

I was on the edge of my overdraft each month and i was paying around 150-200 pounds each month to keep myself below the overdraft limit each time i got paid.

 

in the end i assume they had had enough and told me they were taking away the overdraft and i had to pay them immediately. i obviously couldnt afford to do that.

 

I thought i'd chance my arm at an irresponsible lending claim but they flat out refused.

 

Is it worth taking to the financial ombudsman do we think?

 

thanks for your help

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Tell me more about all these PDLs you had. I saw the one about Square Today - I do not know what to suggest on that one...

 

As for the FOS - Go for it - It is free to do so...

Do it differently though - Go down the Hardship route and include elements of IRL

 

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I'd say that it's irresponsible borrowing on your part.

 

Nobody seems responsible for their own actions these days.

 

Agree but Natwest have more access to info about transactions etc and so can make a more defined decision about who to lend to... If they have maxed out someones overdraft after they had already hit the limit then that should have been the end of it and no further lending should have taken place.

It is on the onus of the Lender to do stringent checks and verify affordability.

Natwest could do so very easily. Its very difficult for someone to get their expenditure wrong etc when the person who is lending is the bank that you bank with :)

 

So anyway :) Be nice to the OP and be constructive - not restrictive :)

 

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yes go after NatWest

IMHO a good case there

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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Nope where can I view that.

 

In regards to the square today thing I just don’t know where to turn I logged a complaint with credit expert thy said they have contacted the lender. But there not going to get a response if they’re shut down

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If they dont get a response then you can ask that they remove it :)

And they should comply...

 

Link is in my signature and also in post #7 :)

 

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Probably best to just keep this thread dealing exclusively with the NW overdraft Problem ...overdrafts can be recalled at anytime as per the terms and conditions of the offered facility...without reason.

 

I doubt you will get anywhere with the FOS/irresponsible lending.

 

Have you made alternative banking arrangements away from the RBS group ?

 

Andy

We could do with some help from you.

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Getting mixed signals some saying do it others saying not do it.

 

Yes this was a couple of years ago I bank elsewhere now

 

Andyorch is right - They are able to call it in under T&Cs however there is a slight caveat to that in that they shouldn't be allowed to extend your OD if you already have gone over a certain amount in debit over a defined period.

I reclaimed for Lloyds but i went the Hardship route and it took 3 years to get a result with numerous head buttings... All i would say is that it is free to raise a complaint but make your complaint worth it as if you supply the evidence then the FOS usually rules in favour of the complainant

 

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Getting mixed signals some saying do it others saying not do it.

 

Yes this was a couple of years ago I bank elsewhere now

 

Good stuff......so what has happened with this overdraft in the meantime ?

We could do with some help from you.

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whats its defaulted date?

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 overdraft is closed the account is closed it’s just a debt on my credit file now

 

Okay...and is it still with Rats Nest ? or assigned to a DCA ?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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  • 9 months later...

ombudsman said there was no wrong doing in this, just thought id update. i dont think ive ever had anyone chase me for this debt since it was defaulted. natwest dont update the account anymore on my credit file but the default is obviously there. just curious who do they normally sell these debts to. just wondering if ill ever be chased for it.

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Which DCA is dealing ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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ans post 17/20...……..

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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default date is 31/12/2015 and its with a debt collector

 

The overdraft is closed the account is closed it’s just a debt on my credit file now

 

So whose name is against it on your Credit file ? NW may not have sold the debt...they normally instruct the likes of Wetcloths to chase but dont assign it to them.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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no harm in ringing NW and asking??

there is no 'set' dca they sell too

only whomever the fleecer is that buys the debt portfolio you are in.

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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