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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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Debt_mountain vs MBNA


debt_mountain
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Sent sar on 28/8. Tried my luck by phoning them after 17 days to try the "lets settle this quickly" approach. They said they couldn't find my letter on file and could I email a copy. There is currently a large backlog of these "complaints".

 

My data is old and needs to be dearchived so may take a little longer. Oh, what a shame, I aint changing my timetable- tough.

If I have helped click my scales....

 

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  • 2 weeks later...

Got my list of charges back. offers £115 which is the difference between the amount they beleive I was charged and the OFT £12 guideline.

 

Will phone them after 9am and ask for full amount + contractual interest + compound interest.

 

The account had a lot more charges before the 6 year cut off, I may try to push this also.

 

will update later on.

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phoned them at 10am and they were adamant that the guesture of goodwill is all they will offer but they will phone back after 4pm to confirm how it will be paid back and the exact amount that will be paid.

 

Request my money back letter is being prepared and will be emails today if it is not for the full amount and the default lifted.

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  • 2 weeks later...

Well LBA tilelimit been and gone.

 

N1 in the post today so should be server on Thurs/Friday.

 

I put the charges inc compound interest (16% to be conservative) plus the loss of savings interest I could have got (4.85% my current saving rate) plus 4 hours research and letter wrinting at my current hourly salaried rate plust admin costs.

 

Just short of £1000 so only an £80 fee for the court...

 

They don't have a default against me as the debt was passed to my pals at Cabot.

 

tick tock, tick tock.

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Got a reply to my prelim including a cheque for charges but not the interest as reuested.

 

They say I accepted it over the phone, but I actually rejected it over the phone and also in an email I sent them (read receipt was received by me).

 

Same day I got this letter the claim was served on them.

 

Lets see what they do now.

 

I accepted the cheque as part payment and informed the court of the part payment.

 

 

tick tock tick tock.

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  • 2 weeks later...

Well, MBNA phone today and offered the last bit of my claim the day before the 14 days acknowledgment period was required.

 

Just waiting for the cheque before I inform the court.

 

Result

 

Charges (which they paid out at the Prelim stage) £300 is

interest I claimed at 16% from originating date to court date £350, they claimed it was £250 as they only pay upto the balance going to ), I understand that.

 

But I also claimed for loss of interest if I had saved the £300 at 5% compound totalling £170

 

plus 4 hours of my time investigating, researching and writing letters (£70) and £30 in cost for printing, posting, petrol etc.

 

Plus the £80 court fee

 

So all in from £300 of charges they paid out double what the interest would have been.

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Evening Debt Mountain,

 

Nice one on your 'win' ha..

 

Out of interest, please could you PM me the e-mail address you used for just post it on here if that's ok ? Would like to keep it for when I get to the LBA/Court filing stage.

 

Thanks

 

WP

---------------------------------

NatWest

Data Protection Act sent 02/06/06

Statements Received 22/06/06 - Calculated Total.

Stalled with Natwest while I sort my MBNA.

---------------------------------

MBNA

Data Protection Act sent 13/10/06

---------------------------------

Capital One

Statements requested over phone 18/10/06

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