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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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    • 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.

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      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.

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    • 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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Mr Lender Says No


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Hello , I have read through several times and been looking at ways to help you ..I would argue with the FOS , that in back in 2014 you believe Mr Lender was issuing loans without doing sufficient affordability checks , if the FOS have made Mr Lender pay back money to other people then its obvious MrLender wasn't doing sufficient checks at the time , I've noticed you missed out on your application "other loans " ?, I believe MrLender should have picked this up with regards cross referencing your credit report with application form with the amount of loans which would have been on your report. I have been in your situation and and I know from experience they don't do affordability checks even now , I've just got back my interest from MYJAR and that was from loans taking recently. The time it takes to complete application to money going in bank is far to quick for them to sufficiently check your application, all they bothered about is you are employed not even that for some , and have a debit/credit card to check against you credit report just to confirm to say you are who you say you are !! & that's it .. They not bothered if you can afford it.. When I got my credit report I had no defaults everything was paid on time but the amount of credit taken out was clear to see I was in financial difficulties, bank loans , credit cards , car loan, several payday loans , similar to yours , it was obvious at the time I was struggling, all I was concerned about was keeping my credit report clean and was taking loan after loan I was in right mess, after 4 years I had to call it a day and now on a Payment plan , my credit report ruined and still 15k in debt , but I'm in the process of claiming back my interest like you and that alone if successful should clear my debts, so if I was you I shouldn't give up .. We know the Payday loans wasn't affordable, even going for a Payday loan in the first place indicates we in some kind of financial difficulties..

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Thanks very much for this and I appreciate you taking the time to help me. I was in exactly that position, I wanted to maintain my credit file and therefore was stuck in a cycle of borrowing from Peter to pay Paul. This went on for almost 18 moths before I sought excellent advice from this forum and tried to remedy my initial mistake of taking that first ever loan. I'm still paying back some loans now and my credit file is shot. I've currently got a complaint in ith PaydayUK as well and the eight weeks is up today. They did however refund me £33 interest from a previous loan but I believe that this was seperate from my complaint.I've still got MyJar, 247money, wonga and others to begin the complaint process with. I do have a complaint in with wonga at present but that was to reflect the way they treated me when I explained my situation rather than to seek redress. It's not so much the refunds that I'm after (although it will obviously help) but rather that entries be removed from my credit file.I'm not going to give up now I've made the decision to escalate, I think I felt that the adjudicator was swaying towards the side of the lender rather than being impartial and on that basis decisied not to let it lie. If the ombusdman decides in favour of the lender then so be it, at least I'll know I've tried. Good luck with the rest of your complaints, I'll keep you posted on mine. I should hopefully hear something today from the adjudicator.I've not heard of the other website but I'll have a quick look now :)

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UPDATE: Had an email from the adjudicator saying my complaint is now in a queue to be looked at by the ombudsman. Also (stragely at the same time) received an email from PaydayUK stating that they basically haven't had chance to look at my complaint and suggesting that I now cotntact the Ombudsman. Should I give them more time or simply escalate?

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Hello 8 weeks is adequate time to get a reply I should go straight to Financial Ombudsman . Once the 8 weeks is up for me and I haven't got the outcome I want I will be going straight to FB .. Some good reports on Debt Camel and help topics .. Regards MrLender I think you have been unlucky with decision , hopefully it will get sorted.

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