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    • Hillary Benn has said that the Withdrawal Bill allows for a no deal Brexit at the end of next year.    
    • Yeah I filed a defence against BW Legal which bought the debt off ICL. ICL have emailed me to say that due to breaches of lending laws a high court action has forced them to contact all borrowers and assess claims for refunds.     IMPORTANT INFORMATION   INVITATION TO CLAIM: SCHEME OF ARRANGEMENT IN RELATION TO INSTANT CASH LOANS LIMITED   Background We contacted you in July 2019 to tell you about our proposals for a Scheme of Arrangement. The Scheme is a legal process that will allow us to make an arrangement with all our creditors that will mean they should receive more than they would if we went into liquidation.   As a former customer, you were entitled to vote on whether or not we should put the Scheme into effect, so we contacted you again in August 2019 to tell you about the voting process.   The vote closed on 24th September 2019 and the substantial majority voted in favour of the Scheme. So on 8th October 2019 the High Court made an Order that made the Scheme effective, as of 9thOctober 2019.   This means that you now have 6 months from 9th October 2019 to tell us if you want to make a claim.   Why you may be eligible You might be a creditor of ICL because you have taken out a short-term loan with ICL or one of the companies which it owns in the past, so it’s important that you understand how to make a claim under the Scheme.   We believe that in the past, we may have behaved irresponsibly in lending to some of our customers and if you were one of the customers affected by this, you would be entitled to redress.   We’re not pre-judging the outcome of any claim; we’re simply contacting all the customers who may be affected, to explain the next steps.   How this could have affected you If we lent to you irresponsibly or your borrowing was unaffordable or unsustainable, it is possible that the interest or other charges you paid were unfair. So if you are concerned about any of the loans we provided, we’re inviting you to submit a claim.   What you need to do next You must submit your claim by: 9th April 2020   After this date, we will not be able to accept any new claims.   How to make a claim We’ve done our best to make the process as straightforward as possible. The quickest and easiest way for most customers will be to use our online Claims Portal. You can find this at www.themoneyshop.com. If you are unable to use the online portal, you can call our Helpline (see details below), but please be aware that in times of heavy demand, you may need to call us a number of times to get through.   To register, you’ll have to give your Customer Reference Number (at the top of this email) and your date of birth. Once you’ve registered, all you have to do is tell us you want to make a claim. We may ask you some simple questions about your financial circumstances when you took out a loan, but we won’t ask you to provide documents and we won’t expect you to remember specific facts and figures.   You’ll only need to make one claim, no matter how many loans you took out.   After submitting your claim, you may not hear from us for a while. We’ll be assessing all the claims we receive, and we’ll provide updates on our progress on our Website and through the Claims Portal. You don’t need to keep checking - we’ll email you to let you know if we have provided an update.   If we agree that we have behaved unfairly or irresponsibly in the way we lent to you, you will be entitled to a payment. We’ll expect to be able to tell customers the amount of their redress claim by April 2020 and there will be an opportunity to have that independently reviewed.   Once we know the total amount of claims, we will be able to tell people what percentage of their claim will be paid. This is because the fund has to be shared out proportionately across all customers who are entitled to redress. If you have an outstanding loan, we may reduce your balance instead of making a payment. The payments will be made by the end of 2020.
    • Would be an interesting case EB if an attendant saw a dashcam in the windscreen and issued a parking Charge under  condition 13.7 no filming.  They might be on a sticky wicket with that one.  there is plenty to throw at them if they are silly enough to send a Letter Before Claim.
    • Ok sorry it says solution finance on the letter but it was originally a littlewoods account 
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We had a hire car for three days last week, Monday 18th August until Thursday 21st August.

 

They delivered to our house, and picked up on Thursday 21st.

 

Today we get a letter claiming a "£500 damage surcharge" - and an admin fee.

 

The car was absolutely not damaged when their driver picked it up. I am also annoyed that they did not tell us for over a week.

 

What can we do?

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They usually check a car for damage when you return it, or in this case when they collected it and sign it off. Did they not do that in this case?

 

Whenever I've hired a car, they've always gone over every inch of the bodywork with me, on collection and return.


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No, they did not sign it off, they just asked for the keys, said that the "fuel deposit" which I had to pay in cash would be returned as a cheque if the car was full, but it had to be checked at base, and then they left. As it was the RAC who were the actual hirers of the car I was not that worried, as I assumed that the paperwork would go to them?

 

However, I would expect them to point out any damage at the time, how do they know that their driver did not do the damage? And is a flat fee of £500 reasonable?

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Thier £500 charge will be in their terms & conditions somewhere I've no doubt. But I think you might have a case to say that if there was any damage to the vehicle when their driver came to collect it, then their driver would have noticed. Which would give you cause to believe that the damage to the vehicle has occurred between the time it left your possession and it being returned to them. Ask them to prove that the damage was on the car before their driver collected it and thereby prove that it was not their driver that caused that damage.

 

Be warned though, if they have any details of your credit card, they may try to charge the card. If they do, it might be an option to phone your bank and say that your card is damaged and ask for a new one (usually takes a couple of days to arrive), but that will mean that (possibly) the card number will be different (depends on which bank) and the CVC code will be different, meaning that they won't be able to charge the card as they'll have the wrong details.


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if they've no photographic proof they are stuffed?

 

 

dx


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if they use CPA changing the card does not work.

dx


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if they use CPA changing the card does not work.

dx

Wouldn't that depend on the card issuer? I bank with Nat West (for example) and whenever I get a new card, it's a completely different CC number. I'm guessing that can't charge a card that no longer exists.


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you have to be careful

usually on a credit card yes

on a debit card - no

 

 

its an old wives tail

 

 

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A CPA is tied to the bank account. NOT the card.


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They do not have a credit card, as we are not the hirer of the car, and they asked for the "fuel deposit" in cash.

 

I assume that asking them for photos actually taken on our drive would be reasonable?

 

 

Given that the hire was arranged by the RAC, would it be a good idea to complain to the RAC as well?

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If your debit card is issued under the Visa scheme, then you need to ring them direct.

 

Your Bank couldn't care less about you, after all, you are only a customer.

 

Sam


All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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They do not have a credit card, as we are not the hirer of the car, and they asked for the "fuel deposit" in cash.

 

I assume that asking them for photos actually taken on our drive would be reasonable?

 

 

Given that the hire was arranged by the RAC, would it be a good idea to complain to the RAC as well?

 

Yes, you definitely need to get the RAC in on the act, (with all due respect) they'll have a lot more clout that you ever will with companies like these. I personally don't think that Europcar have a leg to stand on without proof that you caused the damage, which they could only get by checking the vehicle (with you) when it was delivered to, and collected (at the point of delivery & collection, not some time later to suit them).

 

You'll probably have a bit of a fight on your hands to get your fuel deposit back though, it certainly sounds like Europcar are going to want to play hardball. And, although it pains me to say it, it might be worth considering writing that off as a loss. Chasing after them via the court by way of a county court claim may result in a counter claim for the damage. And whilst I think you'd win, it might not be worth the trouble.

 

If however they decide to take you to the county court for the £500 "damage" then you counter claim for the fuel deposit plus any expenses incurred for defending their claim. And I still think you'd win as they'll have no proof that you caused any damage (which of course, you didn't).


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