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    • 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…..    
    • IMG_2820-IMG_2820-merged.pdfmerged.pdf Case management was this morning. Here is the Sheriff’s order. Moved case forward to 24/05.   He said there was no signed agreement and after a bit of “erm, erm, yeah but, erm” when he asked them, he allowed time for sol to contact claimant.  what is the next step now? thank you UCM  
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    • 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
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just starting my first letter to HSBC *I WON!*


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Damn right tell them to stick their offer. Dont forget at this stage aswell you can now also claim interest on the money they owe you aswell which means even more money for you so definately don't back down.

P.S no need to rush to do the moneyclaim, as long as you have it filled in by 9am Monday morning as noone is going to look at it today or tomorrow.

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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thanks for all that guys. I can't make a claim till thurs (as am skint til then!) I do get child tax credit, so that will be good if I don't have to pay! But when you go on the website you have to put card details in, so best wait till there's some money there - just in case!

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  • 2 weeks later...

Hi!! I've been having trouble finding the cash to put the claim through, but now I'm onto it. In moneyclaim, where it says particulars of claim, how should I word it? Also, how do I calculate the interest? And, I've had charges again since I made the original calculations. I'm sure this info is on this site somewhere, so can someone point me in the right direction please!

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FI30

Check if you can claim exemption from court fee

click here and enter EX160A in the "Form Number" field to see if you qualify, if you do then complete the Exemption Form (step 7 in the link below)

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

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  • 2 months later...

Hi All

I've been out of action for the past few months (physically and financially!) But I'm back now, fighting fit, ready to continue my claim!

I finally submitted my online claim, and today received the acknowledgment of service being filed from HSBC. Ofcourse they've ticked the box "intend to defend" so we'll just have to wait and see what happens in the next 28 days!

I added on the charges I'd received since I first did my calculations, and with the interest it's now just over £4K. I'm just hoping they settle before going to court!

I also hope it's not been too long since my last contact with the bank!

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  • 2 weeks later...

My 28 days is up today - and guess what, I got a letter from DG solicitors asking for a breakdown of charges! I'll send it recorder delivery today, but in the meantime, does anyone know if I need to do anything with my claim?

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Should I click on "judgment" on the MCOL website? The confirmation from court said HSBC intended to defend, but that was it, how do I know if they have filed a defence?...All these questions, I hope someone can help as I'm starting to stress!:confused:

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you've touched my heartstrings: "I am now avidly following your thread as nobody seems to want to answer my questions". sorry fi30 that you felt no one was listening - i've actually retired as of last weekend but have come out of retirement to hopefully give you some hope fully! went back to your thread to see what was what.

when you filed your mcol - the claim is deemed to be served to them 5 days from the day you filed. if they acknowledge and intend to defend - they have 28 days from that date. so,.. when 28 days + 5 days from when you filed has passed, if you can... press the judgment button on your mcol. if you can't press it, it is probably because they have actually defended. don't worry - this is normal. you will receive a letter from the court changing your claim to your local court, a notification of their defense and an allocation questionaire all in one envelope. what to do then? nothing - they have a deadline, same as you when the a.q. has to be filed - no point in doing it until it almost upon you. but should you have to file the a.q. there are step by step instructions in the guide above. and be sure if you get that far that you let dg know you will need another £100 to settle to cover that cost. as for sending your breakdown - granted a month has passed now since my experience and things are changing daily (i think more and more claims are being filed and they must be crazy in that office - that's probably why julie kyle has gone belly up) anyway, i digress, you've sent your breakdown round about 11 nov.; i found that they respond to that in about your third week of the mcol, about a week before the defense is due. i think you are looking at an offer probably by monday (maybe even tomorrow or saturday's post), it will be for around 85%, saying that they are sure they will win in court but because they a re such lovely people they are offering you this to go away. you will respond with the rejection of settlement offer and say you will settle for nothing less than 100% and you are sure they want to avoid any further charges (like the a.q.) so you hope to hear from them very quickly (they don't know you aren't going to send it right off when you get it). everything they do is designed to put you off and stallllllllllllllllllll, hoping you will get tired and die of boredom. you are very, very close to a settlement. i have said all along - they waiting is the worst of it. final thought - when you see that offer - why would they offer 1 red penny if they didn't know in their little lead hearts that if it went the distance - THEY WOULD LOSE!.

p.s. if you need help again and no one is listening - ask bong (my personal favourite for knowledgable answers - hiya bong!!!! bong is everywhere!)

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YIPPEEEEEE!!!!

Full settlement offered!!!!! £4097.97 (charges plus interest plus court fee)

 

Just got a letter from DG offering the full amount!!! ~WOW~ I thought, probably like everyone else, that I'd be the one test case that had to go to court - just goes to show - persevere!!!

 

I will accept and delete the confidentiality bit.

 

Thankyou all so much for the guidance, even though I've been feeling a bit lonely this past few days, you were all there when it mattered!

 

I do have one question though..does anyone have any suggestions as to what I do about charges since I filed the mcol? do I start it all over again?

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WELL, I'm flabbergasted! 100% on the first offer. that's truly great - they must be swamped or maybe the new guy at dg has his own timetable. whatever! congratulations, glad you got it. as usual, don't stop the court claim until you get the money in hand, i'm thinking you call the name on the letter and explain that yes, you will accept this offer, crossing out the confidentiality bit, and explain that there have been some charges since you filed, would they consider reversing these as a goodwill gesture. Let them know gently (no need to be aggressive at all) that you would not hesitate to claim for these charges should the need arise. I think they might just take them off (they know now that you are in for the long game). i think that is the approach i'd take. can't hurt and if all else fails - you could claim again - but i'd try to tie it into this claim if you can. a phone call, see what they say - then a line or two in your acceptance letter mentioning it again. what say you bong????????

anyway - i'm really pleased for you. pm bong if he doens't reply shortly.

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Cheers mate!

In my haste I posted my reply quick smart, just crossed out the confidentiality bit, but I'll try the phonecall anyway. I'll have to pop to the branch to get a statement printout as online it'll only let me view a few weeks transactions.

 

Thankyou!!!!

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YIPPEEEEEE!!!!

Full settlement offered!!!!! £4097.97 (charges plus interest plus court fee)

 

Just got a letter from DG offering the full amount!!! ~WOW~ I thought, probably like everyone else, that I'd be the one test case that had to go to court - just goes to show - persevere!!!

 

I will accept and delete the confidentiality bit.

 

Thankyou all so much for the guidance, even though I've been feeling a bit lonely this past few days, you were all there when it mattered!

 

I do have one question though..does anyone have any suggestions as to what I do about charges since I filed the mcol? do I start it all over again?

Hi Fi30!!

:)

Many many congratulations to you !!!

It must feel like Christmas has come early!!

Hope you get the newly applied charges too!

All the best

Trish

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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yes, I think if a phone call to the chap at DG doesn't do the trick regarding newly applied charges, then perhaps a photocopy of the settlement letter from DG to your branch with a letter saying I trust you will refund these latest charges in order to avoid a new claim and the associated legal costs for the bank, and further court costs.

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