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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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      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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Metropolitan collection services


robbo57
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Have only just found this site as I owe money through First Direct, if this company are operating outside the UK, so not coming under British law can I refuse to deal with them on grounds of security.

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tell us more please

 

what is the debt?

 

is it on your CRA file?

 

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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so who are you paying

what is your actual problem?

 

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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ok getting no where here...

 

on your cra file who is listed as the owner?

 

the original creditor or these muppets you are paying?

 

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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ok getting no where here...

 

on your cra file who is listed as the owner?

 

the original creditor or these muppets you are paying?

 

dx

I will have to get an upto date CRA, I will get back when I have.

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MCS are based in Birmingham in the same office as HSBC's, they are HSBC's internal debt collection agency.....

 

The address I have on my statements are in Coventry,a po box and an address for an industrial park.

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This is current from the OFT's licence register

 

CCA Home Page :: CCA Search :: CCA Search Results :: Licence Details

 

Application / Licence Details

 

 

 

Licence Number:0593160

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Metropolitan Collection Services Limited1475006

 

Categories:

 

Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Bancrofts CDRU Central Debt Recovery Unit Five Ways Debt Recovery Services Maitland Collections MCS Payment Services Bureau PSB

 

Issued Date: 26-Oct-2006

Date Maintenance Payment Due: 25-Oct-2016

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Gary David Jones Gavin Paul Hewitt Hollie Wood Mark John Thundercliffe

 

Historic Individuals that run the organisation:

 

NamePosition David Harry MeadOFFICER George William Bayer Julie Williams Malcolm James BrookesOFFICER Mr Phillip LeylandOFFICER Pauline Louise McQuillanOFFICER Robert Hugh MusgroveOFFICER Sarah Maher

 

Nature of Business:

 

Banking services Debt Collection

 

Current Address(es):

 

Address TypeAddress CorrespondenceCoventry Dsc, PO Box 5338, Harry Weston Road, Coventry, CV3 9FR, United Kingdom Principal Place Of BusinessCamden House East, Parade, Birmingham, B1 3QA, United Kingdom Registered Office56, St. James Road, Edgbaston, Birmingham, B15 1JL, United Kingdom

 

Historic Address(es):

 

Address TypeAddress Correspondence56, St. James Road, Edgbaston, BIRMINGHAM, B15 1JL, United Kingdom Correspondence8, Canada Square, London, E14 5HQ Correspondence8-16, Canada Square, LONDON, E14 5HQ, United Kingdom Principal Place Of Business56, St James Road, Edgbaston, Birmingham, B15 1JL Principal Place Of Business56, St. James Road, Edgbaston, BIRMINGHAM, B15 1JL, United Kingdom Principal Place Of Business8-16, Canada Square, LONDON, E14 5HQ, United Kingdom Registered Office56, St James Road, Edgbaston, Birmingham, B15 1JL Registered Office56, St. James Road , Edgbaston, Birmingham, B15 1JL Registered Office56, StJames Road, Edgbaston, Birmingham, B15 1JL

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  • 4 weeks later...
This is current from the OFT's licence register

 

CCA Home Page :: CCA Search :: CCA Search Results :: Licence Details

 

Application / Licence Details

 

 

 

Licence Number:0593160

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Metropolitan Collection Services Limited1475006

 

Categories:

 

Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Bancrofts CDRU Central Debt Recovery Unit Five Ways Debt Recovery Services Maitland Collections MCS Payment Services Bureau PSB

 

Issued Date: 26-Oct-2006

Date Maintenance Payment Due: 25-Oct-2016

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Gary David Jones Gavin Paul Hewitt Hollie Wood Mark John Thundercliffe

 

Historic Individuals that run the organisation:

 

NamePosition David Harry MeadOFFICER George William Bayer Julie Williams Malcolm James BrookesOFFICER Mr Phillip LeylandOFFICER Pauline Louise McQuillanOFFICER Robert Hugh MusgroveOFFICER Sarah Maher

 

Nature of Business:

 

Banking services Debt Collection

 

Current Address(es):

 

Address TypeAddress CorrespondenceCoventry Dsc, PO Box 5338, Harry Weston Road, Coventry, CV3 9FR, United Kingdom Principal Place Of Busines[problem]den House East, Parade, Birmingham, B1 3QA, United Kingdom Registered Office56, St. James Road, Edgbaston, Birmingham, B15 1JL, United Kingdom

 

Historic Address(es):

 

Address TypeAddress Correspondence56, St. James Road, Edgbaston, BIRMINGHAM, B15 1JL, United Kingdom Correspondence8, Canada Square, London, E14 5HQ Correspondence8-16, Canada Square, LONDON, E14 5HQ, United Kingdom Principal Place Of Business56, St James Road, Edgbaston, Birmingham, B15 1JL Principal Place Of Business56, St. James Road, Edgbaston, BIRMINGHAM, B15 1JL, United Kingdom Principal Place Of Business8-16, Canada Square, LONDON, E14 5HQ, United Kingdom Registered Office56, St James Road, Edgbaston, Birmingham, B15 1JL Registered Office56, St. James Road , Edgbaston, Birmingham, B15 1JL Registered Office56, StJames Road, Edgbaston, Birmingham, B15 1JL

 

Funny I have just had a letter from a Gary Jones from HSBC Bank plc

Dear Mr Blobbypet

 

Reference HSBC BANK plc Account number xxxxxx xxxxxxxx

 

We informed you by way of letter sent to you in January 2009 that the above account had been sold by HSBC BANK to Hillesden DLC on 13 January 2009.

 

Following receipt of your complaint to the sale of ppi and alow us to investigate the same,We write to inform you that the above account has been repurchased by HSBC Bank plc on 25th january 2013 and that HSBC are now the effective owners of this account.Yje amount outstanding as at date of repurchase is £8700.00.

Your account will be managed by Central Debt Recovery Unit on behalf of HSBC Bank plc.

All contact regarding this account should now be directed to:

CEntral Debt Recovery Unit

PO Box 4-93

Worthing

West Sussex

BN11 2RD

Telephone: 0845 609 0548

 

Our Payment Protection Insurance complaints team will contact you in due course in relation to your complaint

 

Yours sincerely

 

Gary Jones

HSBC BANK plc

Edited by Blobbypet
missed a bit
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blobby, it has probably been repurchased because of the dispute on the account. If HSBC uphold your PPI mis sell then they will offset any refund against the outstanding balance. Whereas if the account was still with a 3rd party they could not. :) The whole refund would have come to you.

 

It seems a lot of 3rd party debt purchasers are getting a bit ticked off that they are buying what they believe to be "dead cert" earners when in fact they are not and they are investing a lot more money in trying to collect on disputed debts.

 

Not that I feel sorry for them at all. They should have made sure the debts were free from dispute before purchasing.. but they were relying on statements from the sellers (original creditors) that the accounts were indeed free from dispute. Now they are discovering that the OCs are not being totally honest !

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