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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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    • If you are buying a used car – you need to read this survival guide.
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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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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I dont really know where to post this and im a bit embarassed to write about it all on a public forum however i really need some advice on what to do.

 

I am currently saddled with a fair bit of debt. Its not been too bad a situation however recently i have started to feel the pinch after work made us all take a pay cut to keep our jobs. It was only 5%, but 5% in their pocket is 5% less in mind, and has made a dent in my take home none the less.

 

I currently have the following:

 

Nationwide CC - Opened in 2004

Mint Credit Card - Opened in 2005

Tesco Credit Card - Opened in 2005

Egg Credit Card - Opened in 2005 (Egg have since cancelled my card but still take my monthly dd payment - something to do with a review of their accounts or something?)

Abbey Credit Card - Opened in 2007

Morgan Stanley (Now Barclaycard) - Opened in 2006

 

I also have 2 loans

 

Nationwide Loan - 1 year left to run

Abbey Loan - 5 and a half years left (8 year loan)

 

I reckon that my debt is probably somewhere in the region of about £40,000... and to be honest it is really starting to get me down.

 

I've just got into a new relationship with someone, and I had to go through the embarassment of admitting to them that i had this level of debt, and i really want to do something about it.

 

I also have a mortgage as well, well its a shared ownership scheme but to be fair thats a big con in itself. Im paying the best part of £900 a month for a £200,000 mortgage, with the greater part being the rent and service charge.

 

I know this is unrelated, but does anyone on here have any knowledge of how service charges work, as im paying nearly £50 a month more for my service charge than the smaller flats in the block... yet im not getting anything more for it - If anyone could also help on that i would appreciated it.

 

Back to my main problem... I really dont know where to go with my debts. All I know is I cannot carry on paying the monthly fees and letting them tick along, and I cant afford to clear the totals off. But I am now starting to feel the pressure on me and its almost becoming unbearable.

 

Any helpful advice would be great.

 

Thanks

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well firstly are any of these debts with a dca?

 

2nd, everyone you list is fair game for reclaiming any charges.

 

3rd, got PPI on any of them? was it mis-sold?

 

as for the service charge, not ny ball game butthere is a residential/housing forum, i'd post there.

 

your main priority is the mortgage and any domestic bills, after that, the other get what you can afford,

 

typically, it would be a good idea to fire off a cca request for each debt, if some fail then it put you in a very strong position to off er a very low F&F to close them.

 

start a thread in each of the named forums you have a debt with, then do a bit of reading too.

 

good luck

 

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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well firstly are any of these debts with a dca?

 

2nd, everyone you list is fair game for reclaiming any charges.

 

3rd, got PPI on any of them? was it mis-sold?

 

as for the service charge, not ny ball game butthere is a residential/housing forum, i'd post there.

 

your main priority is the mortgage and any domestic bills, after that, the other get what you can afford,

 

typically, it would be a good idea to fire off a cca request for each debt, if some fail then it put you in a very strong position to off er a very low F&F to close them.

 

start a thread in each of the named forums you have a debt with, then do a bit of reading too.

 

good luck

 

dx

 

My mint card is currently with moorcroft but there is an agreement in place with them.

 

Barclaycard keep threating me with mercers, and I hate mercers as they called me once before when i missed a payment on my barclaycard (by mistake), but i was busy so i couldnt speak to them at the time... so when i put them to voicemail they just kept calling me non stop and then started texting saying "I should pick up my phone and stop hiding from my problems".

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I dont really know where to post this and im a bit embarassed to write about it all on a public forum however i really need some advice on what to do.

 

I am currently saddled with a fair bit of debt. Its not been too bad a situation however recently i have started to feel the pinch after work made us all take a pay cut to keep our jobs. It was only 5%, but 5% in their pocket is 5% less in mind, and has made a dent in my take home none the less.

 

I currently have the following:

 

Nationwide CC - Opened in 2004

Mint Credit Card - Opened in 2005

Tesco Credit Card - Opened in 2005

Egg Credit Card - Opened in 2005 (Egg have since cancelled my card but still take my monthly dd payment - something to do with a review of their accounts or something?)

Abbey Credit Card - Opened in 2007

Morgan Stanley (Now Barclaycard) - Opened in 2006

 

I also have 2 loans

 

Nationwide Loan - 1 year left to run

Abbey Loan - 5 and a half years left (8 year loan)

 

I reckon that my debt is probably somewhere in the region of about £40,000... and to be honest it is really starting to get me down.

 

I've just got into a new relationship with someone, and I had to go through the embarassment of admitting to them that i had this level of debt, and i really want to do something about it.

 

I also have a mortgage as well, well its a shared ownership scheme but to be fair thats a big con in itself. Im paying the best part of £900 a month for a £200,000 mortgage, with the greater part being the rent and service charge.

 

I know this is unrelated, but does anyone on here have any knowledge of how service charges work, as im paying nearly £50 a month more for my service charge than the smaller flats in the block... yet im not getting anything more for it - If anyone could also help on that i would appreciated it.

 

Back to my main problem... I really dont know where to go with my debts. All I know is I cannot carry on paying the monthly fees and letting them tick along, and I cant afford to clear the totals off. But I am now starting to feel the pressure on me and its almost becoming unbearable.

 

Any helpful advice would be great.

 

Thanks

 

my advice is as follows:-

 

1. get a truecall if you can afford it (90 quid) or change your phone number

 

2/ send cca requests off for all your debts recorded delivery one pound postal orders as per the template letters on here)

 

 

 

3/ post up the responses less your personal info using a seperate thread for each one

 

proceed as advised from there and soon i predict you will get some very pleasant surprises

 

trust me the truecall or number change will be worth its weight in gold to you

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CCA consumer credit agreement- the agreement that you (alleged) signed

 

are any of your debts so old that you have not made any payments on them for a long period?

 

Most of my credit cards are about 4+ years old apart from my abbey one.

All of them are on monthly direct debit payments

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ok what i meant was have you not paid on any of them for a long time but i get your drift

 

the reason i asked is that if you have not made a payment or acknolwedged a debt for over 6 years it becomes statute barred and cannot be legally pursued

 

but i gather this is not the case so i would start the process outlined above

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Most of my credit cards are about 4+ years old apart from my abbey one.

All of them are on monthly direct debit payments

 

If any of your CCs are with the same bank you have your current account with it would be prudent to open a 'parachute' account with a totally unrelated bank. The reason for this is because banks are allowed to offset between a/cs, which means you could well end up paying double charges and interest if they robbed from your current a/c to pay a CC. Even more so if it causes other DDs to bounce. :eek:

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If any of your CCs are with the same bank you have your current account with it would be prudent to open a 'parachute' account with a totally unrelated bank. The reason for this is because banks are allowed to offset between a/cs, which means you could well end up paying double charges and interest if they robbed from your current a/c to pay a CC. Even more so if it causes other DDs to bounce. :eek:

 

I already have a bank account with another bank whom i dont have any credit with whatsoever.

 

I did this on the basis that i would end up possibly having to speak to CCCS to try and sort something out via them

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