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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!  
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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mbna


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This has been going on now for approx 6 months - I have sent MBNA various letters (recommended on this site) asking for a copy of my signed agreement - nothing has materialised. They will not be able to provide one because I have never signed one - my agreement was with Beneficial Bank and MBNA took over. Anyway, I have spoken to them today (as they sent me a postcard telling me they were going to call me this week) - I have asked again for my agreement and I was advised that I needed to write in (enclosing a £1.00) - I explained that I have already done that back in May. Apparently, I had written to the wrong address!!! and it was my responsibility to phone MBNA to get the correct address!! I have also been advised that there will be a default placed on my account at the end of this month if I do not make a payment. They have also checked my other loans (apparently) as he tells me that I do not have any other defaults (can they legally do this?) and they cannot put a charge on a property as I don't own one!

He has given me the address to write to ask for my agreement - I am getting really frustrated by all this as I know they are not going to be able to supply me with the agreement and they tell me that once they have supplied my agreement, they are able to go down any route they choose to get their money - is this right? Any thoughts please or advice?

Finally, MBNA tell me that there has been a ruling in the courts a couple of weeks ago and that credit card agreements are enforceable - I haven't heard anything about this - has anyone else?

Many thanks

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Well they gota produce the agreement which i doubt they will, as mbna are known for buying up credit from others companies.

 

It fails to amaze me why the original crediter does not get a signed document from the lender agreeing to the debt being transfered under the new lenders terms and conditions.

 

Its not hard is it.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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This has been going on now for approx 6 months - I have sent MBNA various letters (recommended on this site) asking for a copy of my signed agreement - nothing has materialised. They will not be able to provide one because I have never signed one - my agreement was with Beneficial Bank and MBNA took over. Anyway, I have spoken to them today (as they sent me a postcard telling me they were going to call me this week) - I have asked again for my agreement and I was advised that I needed to write in (enclosing a £1.00) - I explained that I have already done that back in May. Apparently, I had written to the wrong address!!! and it was my responsibility to phone MBNA to get the correct address!! I have also been advised that there will be a default placed on my account at the end of this month if I do not make a payment. They have also checked my other loans (apparently) as he tells me that I do not have any other defaults (can they legally do this?) and they cannot put a charge on a property as I don't own one!

He has given me the address to write to ask for my agreement - I am getting really frustrated by all this as I know they are not going to be able to supply me with the agreement and they tell me that once they have supplied my agreement, they are able to go down any route they choose to get their money - is this right? Any thoughts please or advice?

Finally, MBNA tell me that there has been a ruling in the courts a couple of weeks ago and that credit card agreements are enforceable - I haven't heard anything about this - has anyone else?

Many thanks

 

a prime example of why one should NEVER talk to anyone regarding monetary/debt issues on the phone.

 

demand everything in writing

 

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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a prime example of why one should NEVER talk to anyone regarding monetary/debt issues on the phone.

 

demand everything in writing

 

dx

 

I have got everything in writing - as per the letters on this forum, but they keep calling and I keep telling them the same things. I only asked for help - not being made to feel like I have done something terrible

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nasty beggers

 

just refuse to ans the security questions

they'll soon get the msg.......

 

as for the rest of the rubbish they sprout, i bet thats not in writing.

 

ok well CCA time and then sit back and wait fot its failure

 

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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Hi Miss Strawberry

 

The best way is to not answer any calls from them as they only want you to pay over the phone, if they do catch you out just refuse to give them any security information.

 

Always correspond in writing and send any letters recorded delivery and print one out for your records with the Post Office receipt clipped to your copy and when you track it on Royal mails website you can write on the receipt when it was signed for. Then when you follow up with another letter you can state the date when any previous letters sent were signed for, this way they know you are recording your correspondence and it confirms your on the ball with them.

 

Use this address when sending any letters

 

MBNA Europe Bank

Customer Assistance Dept

Wrexham Road

Chester Business Park

Chester

CH4 9FB

 

 

Good luck and never let them get you down, its just a game :)

 

Gordy

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