Jump to content


  • Tweets

  • Posts

    • 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!  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Standingupformyself v Abbey Irrational


standingupformyself
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3739 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I sent off my SAR, complete with cheque to Abbey on the 15.3.07, did not do it recorded delivery though,,, stupid mistake.... the cheque has not yet shown up on my account and I have not received any kind of acknowledgment. Bearing in mind that obviously all the Head Offices are probably snowed under with these requests I was thinking of sending a reminder letter (recorded this time) to a local branch, stating the date I originally posted the letter and reminding them of the date they should comply? What does anyone think... So desperate to get this ball rolling !!

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

You may actually be better off re-sending the check again but cancelling the other one. and this time remember to send it recorded delivery this way they have no excuse and no reason to drag their feet any longer than they are already

 

Hope this helps ;)

nikki = Fedupandskint V ShABBEY

 

Data Protection Act recieved today 8/6/06 so 40 days start

finally recieved bank statements today 11/10/06 :-|

 

new bank account set up today finally got everything i need and done it :D

calculations worked out amount comes to 4,621

 

Sorry everyone still trying to get sorted out been in hospital and not been able to follow it up so having to start again now:-x

Data Protection Act and ten pound fee sent statements recieved eventually 3 missing but i had them online so could calculate from there

15th march Request for payment of charges sent registered mail. 14 days starts 16th

second request for payment of charges sent 14 days are up on 3rd May. will then file MCOL

Link to post
Share on other sites

Yes you could be right, thing is it costs more to cancel the cheque than the ten pounds the cheque is for !!!! I have got a few irons in my fire (Barclaycard and Abbey Credit Card) so will post the letter to the branch recorded delivery and see what happens.. Thanks for getting back to me x

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Posted the letter to local branch, recorded..... Did not include a second cheque. They should receive it tomorrow. The good thing about sending letters to the branch is that they sign for it the same day, unlike Barclaycard who have not signed for my SAR, which was posted nearly a fortnight ago.... Will keep you posted

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

  • 2 weeks later...

Standard letter received this morning....should receive first lot of statements shortly, others on microfilm etc etc

At least I know that things are underway now, this was the letter I originally sent out NOT recorded delivery. Not a mistake I will make again. 24th April is 40 days..... (not that I am counting!)

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Checked Internet banking and my tenner has cleared out of my account today. Again, nice to know something is happening

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

ADVICE PLEASE?

 

As stated earlier, I am chasing two SARS, one for recent, the other for pre-6 years. I chased these up with an email to Abbey, and received this in reply. My question here is: If they can tell when my account was closed, and what state the account was in, surely that means that they DO still hold details of the account. By the way I also dispute the fact that the account was closed whilst I still owed them money. I remember paying off that overdraft.... The money they are talking about must be literally pennies.....

Should I re contact them regarding this account, stating that I beleive that they do still hold records of this account.... (I had also asked that if the account records had been destroyed, could they please send to me a certificate of destruction) and if so, how should I word it? All help appreciated here, thank you

 

 

 

has asked if I can respond to your email of 19 April 2007 and after making enquiries with the respective business area dealing with your request, I have sent you a letter and some data in confirmation of what's happening with your request.

Your first request is being administered by our Bradford Office. I can only apologise for the delays you are experiencing, but please accept my assurance that your request is being dealt with as quickly as possible and you will receive the information which has been archived onto microfiche shortly.

Your second request relates to an account that was closed with an outstanding balance in 1999. As Abbey have no legitimate reason to retain the transactional data for more than 6 years, we can confirm that this has been destroyed in line with our retention policy.

I hope the above assists you until you receive my letter and data requested, however if I can be of any further help in the meantime, please contact me directly.

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

statements received this morning, Jan 04 to May 2006 when the account closed. Microfiche copies to follow. Also they are going to refund my cheque.......

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Is there any reason why I could not do two claims against Abbey. The first one now, with the 2004-present details on it, and the second claim from the information I will receive when the microfiched copies arrive?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Please, see above....... Would I be making a mistake starting off a claim for the first lot of charges, then doing another claim when my other statements finally come through.....

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Hi, yes, start your claim for what you have, Abbey are telling everyone that trying to get information further than 6 years, that the"evidence" has been destroyed. i would send a follow up letter stating that the SAR entitles you to ALL information regarding yourself, including account information and any certificates of destruction/deletion that pertains to any account that you held. Then when they dont cough up, file a complain with the information commissioner

  • Haha 1

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

Lula

Thank you for getting back to me. I think I will treat my pre 6 years as an entirely different claim (it's another account anyway, I shall call it account A) I will follow your advice though regarding the older account

 

The question I am trying to get answered is should I start my claim with the spreadsheet and statements that I have already received for Account B (£700 approx) and then start a seperate one when I receive June 2004 and backwards microfiche information.

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Hi, sorry, i missed that bit out, the answer is that it is up to you, you can either do a claim for the statements that you have and then when this claim has finished (you cant do two claims for the same institution at the same time) or you can wait until you receive all you statements and then do them together, but yes, the pre 6 years statements are a separate argument and one best left till later - hope this helps

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

That was what I was hoping you would say... I may start the ball rolling now on Account B. Mind you, as I understand it, I can amend my claim at any point until court stage??? (please correct me if I am wrong) so if I sort out my prelim letter tomorrow and then receive the missing statements I could just amend the letter couldn't I?

And while that is underway, I will work hard at trying to get the old statements for Account A

Thank you again Lula

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Hi again, yes you can amend you claim at anytim, although it is far easier to do prior to filing at court, in your preliminary letter just say that you reserve the right to amend this amount subject to receiving the missing statements, if you have already filed at court then you would need to complete form N244 and pay a non recoverable fee of £35 to amend your claim

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

Letter going off today to Pam Speed at Bradford. Stating I reserve the right to amend this amount when I receive the rest of the information I applied for (which by the way 40 days is up today)

£704, not stated any interest at this point !!! I feel that at least I am on the way now...

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

I received my ten pounds back yesterday,,,, made me smile actually, thinking what a cheque FROM Abbey looks like !!

 

I also sent a Letter Before Action SAR reminder yesterday, as 40 days were up 6 days ago, and I am guessing I can double my claim when the other statements come through.

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

7 days are well and truly up now since sending my LBA about my SAR, still waiting for Abbey to send me the rest of my information.

What's my next step?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

statements came today, with another 20 charges on them between 2001-2004.

Actually I thought there would be more!!!!!! Must have been better with my money than I thought!!!!

 

Will send an amended Prelim letter today....... I am on my way at last!!

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

  • 4 weeks later...
  • 4 weeks later...

Had a letter this morning, presume it was just a standard letter. LBA has run out and I am ready to file at court... but what does this highlighted paragraph mean? I have not received any letter from Abbey, but they mention cancelling my charges... have I won? should I phone them?

 

 

 

 

 

 

 

22.6.07

Dear Mrs Standingupformyself

Thank you for your letter dated 25.4.07 about the charges on your bank account, I apologise for the delay in my response. I have now carried out a full investigation on your behalf.

 

I'm sorry you are unhappy with the charges and I understand you would like these refunded. I can confirm the charges were aplied correctly, as you had insufficent available funds at the time.

 

I appreciate your feelings on this matter but we are satisfied that the charges do not contravene the unfair terms in consumer contracts regulations 1999. We also comply with the office of fair trading, in dealing fairly and openly with our customers.

 

When opening your account you were provided with information detailing the ter,s and conditions. We have also sent you regular updates and tariff of charges, which detail the amounts of our charges, I have enclosed a further copy for you.

 

YOu have requested a breakdown of how our charges are apportioned. Unfortunately, I am unable to provide you with the specific information you have requested.

 

I can inform you that the value of a trasaction, which causes you to exceed your agreed overdraft, has no bearing on the amount charged, Should you require details of the specific charges applicable, these are stated in the terms and conditions of your account.

 

The OFT announcement was in relation to Credit Card default charges and not charges related to other types of account, such as bank accounts. This means our current tariff of charges continues to apply.

 

You have asked that any default notices against you in connection with the charges applied to your account, can be removed. We are obliged to share this information on how customers run their accounts, to other financial institutions. This is done through regularly updating the credit reference agencies.

 

As we have cancelled the charges as a GOGW and not due to an Abbey error, I am unable to alter any information held with a credit reference agency, as this information is factual. It is however unlikely that any adverse information has been registered against you in connection with this matter.

Please be assured I have carried out a full investigation for you and I hope you feel I have offered a considered and complete response to all of the issues you've raised. I will keep your file open for the next 8 weeks and if I don't hear from you within that time, I will asuume that everything is resolved and will close your file. If you remain dissatisfied though, the leaflet you'll find with this letter explains your rights and how to take your complaint further within Abbey.

 

 

blah blah

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Been trying to ring all morning, but their computers are down..... no there are no new charges, it is an account that has been closed for about a year.

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...