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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!  
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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.
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sam - lloyds tsb


westham34
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Are you talking about the court allocation questionnaire and list of charges? Can you provide more detail please?

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I'm still a little confussed what you are asking. Have you read the FAQ's and familiarised yourself with this site and the processes?

 

First step is to send off the DPA letter to find out your charges and whether ot not there has been manual intervention. Have you done this?

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi and Welcome

 

hi all,have printed and filled in form posted today

 

I think this is what has confused closey .I am guessing you mean you have filled in your details and printed the prelim letter , then sent it off ? If you have already sent the SAR or already know all your charges then yes that is correct to send the prelim now.

 

 

Have you read the FAQ's and familiarised yourself with this site and the processes?

 

I agree this is very important so you get a full understanding of what you are undertaking.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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hi closey, i copyed and printed form Letter - Preliminary approach for repayment filled in my account details and what lloyds have took over 4 years im d/d and o/draft fee's and sent it of today but i didnt enclosed schedule

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In that case you are fine! This will only be needed at the court stage.

 

Did you do a DPA request asking if there had been manual intervention?

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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hi mjanet,what is the SAR i have been though this site for the last 4 weeks looking at every thing making sure im doing the right thing before i go ahead with it as its a long ride lol

 

IT's a Subject Access Request , it mentions it in the step by step guide .Very glad you are putting the effort in to read around as mistakes can be costly

 

please keep us posted :D

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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mjanet

thanks for your help, have been looking at the speadsheet im glad it does the days and that for you :-D as i wouldnt have a clue but i have one problem do i put down all of my o/draft excess fee's,o/draft interest ect ect on to it as from yours it show's cleared transaction hope you can under stand thanks :grin: sam

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hi mjanet can you please have a look that im doing this right i have copy and paste it if its ok then will carry on as this will take me years lol THANKS!

 

In Respect of:AmountDate IncurredDays since offenceInterest 8% APRo/draft interest£0.5601/08/20021413£0.17o/draft interest£1.3702/09/20021381£0.42o/draft interest£0.7601/10/20021352£0.23o/draft interest£1.2201/11/20021321£0.35o/draft interest£1.1702/12/20021290£0.33o/draft interest£0.5102/01/20031259£0.14o/draft interest£1.2103/03/20031199£0.32o/draft interest£0.7301/04/20031170£0.19o/draft interest£1.1301/05/20031140£0.28o/draft interest£1.2102/06/20031108£0.29o/draft interest£0.6501/07/20031079£0.15o/draft interest£1.4501/08/20031048£0.33

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Sure il take a look but can you please PM me it as I can't make that out , not admitting I can't find my glasses tho :rolleyes:

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When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Hi Westham 34. If you could send your spreadsheet to me at [email protected] I can take a look at it for you.

 

Please take look at the more complicated spreadsheet that I created, in the bank templates library. Although I don't suggest you use it unless you are completely clear on the aspects of the interest, the notes on the first page will clarify much for you.

[

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hi Vampiress, have tryed every thing for the total still cant get my head around it my sheet starts at 3 in respect of and ends at 41,what part of the sheet do i put this in abcd........ or under the amouts :mad: night mare!

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hi all,update!

well got letter this morning from lloyds tsb sayin this

Dear mrs ........

i am just writing to let you know that we've received your complaint and to say how sorry I am to learn that you're not happy with us.

we will investigate the concerns you have raised with us-this may take a little time but we would expect our enquiries to be complete within the coming 2 weeks. we will then be able to respond in full to your complaint and at this stage, i hope, resolve matters between us.

in case you haven't received a copy of our leaflet called ' how to voice your concerns' I’ve enclosed one with my letter. this tells you all you need to know about resolving your complaint with us.

does this mean they may pay up :D

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Hi westham34 - by your schedule I assume you mean your Schedule of Charges? This is the spreadsheet you have compiled with your list of charge type, date it was made, and amount of charge - IE: The spreadsheet you should have or should do in preperation ;)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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