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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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      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.  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Nemo - Repossession hearing please help***SUSPENDED***


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The N244 is a PDF document - you just need to print it out and fill it in in pen.

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Affixed is the letter you need to send to the lender - make sure you send it by special delivery guaranteed next day by 1pm - if you send it tomorrow they will get it Monday morning and we have given them until Friday next week to reply.

 

When you print the letter out make sure the printer is set for A4 paper, not letter size. Fill in your address, their address, mortgage account no and also - in the 3rd paragraph I have put Mr XXX has secured a new job, delete the XXXs and put your name there - check the text stays all on one page. Also check you have the correct address and department to send it to.

 

Let me know when you have completed the budget sheet and if you need me to look it over you can send it to me at [email protected] (there is no space between the c and o, the site just makes it look like that). If you do send it to me let me know so I can look out for it.

 

Make copies of the letter and budget sheet before you send them - and keep the receipt for posting safely so you can check and print out their signature a few days after posting. We will need all that to go with your defence papers if necessary.

Isoprox letter.doc

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Ok word opened it ok so can edit the letter, just had a glance over the info that they have sent not sure I can get my head around the monthly interest charges tho, but back in January 2015 it says interest waived £6,395.00 I'm presuming that wrongly calculated interest in the past so they have deducted it from the total sum owed I can take pictures of the account history and forward them to you if they would help our defence?

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Let's see what happens after you've sent the letter and budget sheet. You need to put your name and account number on the top of the budget sheet.

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Ok when I'm done with the budget sheet and letter I will forward them onto you just make sure I have completed everything ok, they did say that they already instructed there solicters to start the eviction process with the county court and would contest us at court due to the arrears history so I'm not holding much hope with the letter I'm sending but fingers crossed and thanks again for your help

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You need to send the letter to confirm that you had tried to come to an arrangement with them. Never mind what they say to you at the end of the day it's not their decision to make, it's the judge's decision! You will find that judges do not want to take people's homes away as long as they can show they have the income to make payments towards the arrears.

 

Who is the lender ?

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Thanks it's just that we are so worried at the moment, I remember the last time when I went to have it suspended the judge wasn't very pleasant with me at at all and I hope I don't get the same one this time

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Hi, did you get the letter sent off ?

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OK, were you OPK with the budget sheet? how much did you have left over in Step 5 ?

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You have to wait for them to reply - you gave them till Friday. Keep an eye on your emails in case they respond that way. Also they may try to contact you by phone, no harm speaking to them, but do not allow them to pressure you into offering more money - stick to your guns.

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If you are able to make payments towards the arrears it is extremely unlikely that a judge would order eviction - try not to think about that at the moment.

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Just received a letter from nemo finance this morning

saying that the amount of arrears totals 13 missed payments and the instruction was due to this fact,

also saying that we had very little contact with them which is a total lie,

 

 

also saying that I never told them I was unemployed at anytime,

 

 

also they are saying that I never got back to them to prove I had been SSP

which in all fairness I didn't and that's because I was was receiving it

 

 

I just said I was as an excuse really, then they are saying that they have concerns with my budget planner

and my offer of £100 as I have more than enough to offer moe

 

HELP NEEDED PLEASE

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OK, were you OPK with the budget sheet? how much did you have left over in Step 5 ?

 

Hi, you didn't answer the above question - you may have left over too much and they will want that towards the arrears as well..... I did offer to look over your budget sheet, but you emailed it to them quite quickly

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Hi Ellenn

Sorry I have only limited time with access to the Internet , I thought I emailed you my budget sheet, after lookin at the budget sheet that I sent it seems that I have missed adding a secured loan repayment which would reduce the amount on the budget sheet, I will email the sheet over to you again with the other secured loan amount, also do you want to have a look at the letter that they sent me.

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