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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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    • 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.

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Hazy v RBS Credit cards::: (Help Please)


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Hello and I wonder if someone can give me a little advice. I have started the ball rolling with a few credit cqrd companies, ie

 

Nationwide credit card

Morgan stanley

MBNA

and Alliance and Leicester b/society.

 

After bringing up 2 kids and spending what seems to be the last few years living from hand to mouth despite a full time job, I know only too well how credit card companies and banks prey on the vulnerable and stuff you at each and every opportunity.

 

Well now thanks to the help i am receiving on this site it is Payback Time.

 

The advice i require is this ::

 

Having sorted out a few of my other credit cards it appears they are all RBS cards albeit under a different guise, Mint etc.

 

Now i have left RBS to last as they are my major debtor.

Does anyone know what happens when you make a claim against them. re closing account. demanding cards to be paid up etc.

It is just that i am sure they owe me a lot of money though i am not sure i would be able to pay off the balance in one go, and obviously dont want to commit financial suicide.

Also do i send SAR request to Southend Address.

 

Finally. They are obviously a Scottish Company. based in Southend. Are they covered by Scottish or English law. as this may determine how many months/Years i can claim for.

 

I would really appreciate any help you may be able to give as i cant seem to find much on the site re RBS credit cards, only their bank accounts.

 

Thanks in advance

 

Hazy :)

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english law

and i doubt anyone will close A/C etc after A+L got fined a few weeks back.

 

go for it!

 

dx100uk:D

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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Found this address for your SAR, i can't remember where i sent mine,

 

Data Protection Consultant

Business Risk - Retail

HBOS plc

Trinity Road

Halifax

HX1 2RG

 

I think all requests are forwarded internally to the correct department anyway, no matter what address you use (as long as it's a valid RBS one!)

 

As far as closing your account they seem to treat everyone differently, though i imagine if your claim is substantial they will be keen to close you down IMO.

 

They are covered by English law if the branch the account is held in is English and Scottish alike! if that helps.

 

Good luck,

I have just sent my prelim for a Business account to the Customer relations Freepost Edinburgh address.

 

I've just seen dx's post to you, I didn't know that either, that's encouraging then

First Direct ** WON ** :p

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Brilliant, Thanks very much to you both for advice.

I had read on this site that A & L were closing accounts and had been fined for it. Apparently it seems they are still closing them though i have seen some recent threads on here confirming this.

The thing to do i suppose is to take them to court for closing it, althugh it wont get your account back it will get them a heavier fine each time.

 

I will get my SAR done now.

Thanks again and please keep in touch, let me know how your claim progresses Badmother, ( I am sure your not really ) lol

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Sorry Hazy, just reread your thread I didn't realise these are credit cards financed by RBS, and not a current account! The address I gave you may not be appropriate in your case, you would probably be better writing directly to the credit cards own address, ie Mint customer care etc, the address will be on the prepaid envelope they send along with your bill. Sorry, in my haste to help I get a bit carried away !!!!:o

First Direct ** WON ** :p

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