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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Anticipating Action from HSBC


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Hiya all

 

Sorry I am new to this site so hope I am doin this right.

I want to firstly say having browsed around previously before joining i have found the information here extremely helpful.

 

I bank with HSBC and over many years have been charged bank charges which i feel are excessive,

only last month I was charged £225 in one month :eek: and when they took this from my account, it then took me over my overdraft and they began ringing me to ask why i had gone over my limit..

 

 

..i said i wouldn't have done if you hadn't have charged so much.

All I have had from HSBC over the last couple of years is hassle!

 

Just wondered what the procedure is to claim these back and can you still do it as I believe they were holding these until a case was heard?

 

Can anyone advise please?

 

Many Thanks

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not really sure to be honest. I too have all of my statements for 1 account which I am wading through whilst I wait for my SAR details to arrive, I have 8 accounts to claim for so I SAR 'd the lot! Have you looked at the guide to claiming bank charges? There is also a spreadsheet template to use to work out the charges and interest. I think it's really important to follow the guide, do everything in order so the bank know you're serious.

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Hi delicarik :)

 

A second Welcome to the Consumer Action Group !!

 

Yes, these charges are unfair and you can claim them back. Having said that, Bank Charges are subject to an appeal in the house of lords at the moment. There is a lot of information on the site about this.

 

You need to send a SAR so you have all the information HSBC have on you, you need to know what unauthorized interest they have charged you, because you should be able to reclaim that too.

 

There's a few links in my Sig. to get you started and I dare say the HSBC experts will be along soon. As Nunny has said read all you can, it will all help down the line !!

 

Hope this helps,

 

Lex

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Many thanks Lex, and thanks for the welcome.

 

i am trying to look through it all and understand it. I have filled out the form for all the charges i have incurred, not so bothered about the interest they have overcharged to be honest.

 

Does anyone know how long this appeal thing is going to take? and if i send in my request for my charges back will it still go back to 2003 if the appeal is not imminently going to have a decision?

hope i made sense! lol

 

Many thanks x

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Hi Again, :)

 

i am trying to look through it all and understand it. I have filled out the form for all the charges i have incurred, not so bothered about the interest they have overcharged to be honest
.

 

If your going back to 2003 do you realize that the overdraft interest inflicted on the 'Unfair Charges' may well be more than the charges themselves !! :eek: This is your money !!

 

You can go back at least 6 years from the time you were aware the charges where 'unfair'

 

Re. The Test Case. We expect a answer this month, there's still a way to go before the banks keel over. You do need to get your case in front of the courts asap. So, SAR. Prelim letter asking for it back. Letter before Action, put them under warning. Then you file form N1 at court.

 

I think you really do need to send a SAR, and lets see if it turns up anything else you don't know about.

 

Lex

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Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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In fact, if you can get the information out of them, you can go back to 1995. Another good reason to send them a full SAR, dont give them any dates, just ask for everything they hold on you !!

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request-

 

Lex

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Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks for that, although I have statements online goin back to 2001. as i have gone further back the charges got less and less anyway so i think i will go for the ones i have because as i have used the simple spreadsheet I have calculated over 4k of charges and with the interest its over 5k. i will be more than happy with this.

 

So if i use the letter requesting repayment and send them the spreadsheet this is ok? i havent missed anything have i?

 

Thanks x

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Hi delicarik, I know its maybe a duanting to even start thinking about making a claim but the more I read around these forums and see the situations people find themselves in I think that most problems actually have started from bank charges.

Please please please do be bothered about the interest they have charged - the banks have used this money to make profit, not just the amount they have unfairly taken from you but to re-invest.

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Thanks for that, although I have statements online goin back to 2001. as i have gone further back the charges got less and less anyway so i think i will go for the ones i have because as i have used the simple spreadsheet I have calculated over 4k of charges and with the interest its over 5k. i will be more than happy with this.

 

So if i use the letter requesting repayment and send them the spreadsheet this is ok? i havent missed anything have i?

 

Thanks x

 

Your on the right track :)

 

Although I begrudge letting them off with a penny :rolleyes:

 

When you send in your request for payment and your LBA, you don't show the interest on the speadsheet. Thats comes when you file at court.

 

Well done so far !!

 

Lex

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Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yes, in the first instance, your asking for your charges only. We put the interest on when we get to the N1 stage.

 

Your certainly not being thick, remember the only daft question is the one you don't ask !! :D

 

Lex

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Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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If you are loosing your deposits due to charges then stop putting deposits in the HSBC account - OPEN a Parachute Account with somebody else & have you deposits paid into there, HSBC crooks cannot then touch them, are you receiving benifits in the deposits to HSBC, if so they are not allowed to use a proportion of benifit as they go to priority debts, sure somebody else will be along to clarify if I am right?????

:mad2::-x:jaw::sad:
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Yes, in the first instance, your asking for your charges only. We put the interest on when we get to the N1 stage.

 

Your certainly not being thick, remember the only daft question is the one you don't ask !! :D

 

Lex

 

 

As far as charges go ADD interest charges i. 18+ % or what they are charging you on your statement onto the initial spreedsheet, then if you go the Court Route you charge a further 8% as statute rate on top.???

:mad2::-x:jaw::sad:
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thanks

 

I have decided to ask them for all the info they have on me ... if i am going to claim, may as well do the lot ! :D

so once they send me all the info i will be able to try and work out exactly what interest they have also charged me...i hope lol

 

I wonder if on my statements it will show me what the charges are for, as on the ones online it just says charges/total charges but does not specify...

thing i find funny, they chase you for £7 overdrawn, yet if they had not taken so much off me for charges then i would not be overdrawn at all!

 

I have a fall back with accounts as my husband has his own, however he is also going to try and claim back from them.

 

i have had defaults etc in the past, hope i can open another account somewhere.....

 

Thanks for all your help so far x

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are you receiving benifits in the deposits to HSBC, if so they are not allowed to use a proportion of benifit as they go to priority debts, sure somebody else will be along to clarify if I am right?????

 

I too have also heard this in the past, and i know for sure that they have taken money from it, luckily it is only tax credits and very little of them....

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I have decided to ask them for all the info they have on me ... if i am going to claim, may as well do the lot ! :grin:

You go girl - so pleased to hear that

so once they send me all the info i will be able to try and work out exactly what interest they have also charged me...i hope lol

Loads of help here - my bank statements show the interest

 

I wonder if on my statements it will show me what the charges are for, as on the ones online it just says charges/total charges but does not specify...

my bank statements show "unauth'd borr. fee" and "unpaid item" so easy peasy

 

thing i find funny, they chase you for £7 overdrawn, yet if they had not taken so much off me for charges then i would not be overdrawn at all!

That's 1 of the main arguments!

I have a fall back with accounts as my husband has his own, however he is also going to try and claim back from them.

yay!

 

i have had defaults etc in the past, hope i can open another account somewhere.....

No problem, I have opened a credit only account with another bank. Tis the only account I use now

 

Thanks for all your help so far x

:D

forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifAre you letting your bank keep your money Are you giving away thousands of pounds??

 

Many people aren't claiming all of the money they are entitled to when they make their bank charges claims.

 

You have been forced to pay unfair bank charges.

Have you forgotten that your bank has charged you inteest on those charges?

If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you.

Yet you are paying interest to the bank - on your own money!!! - a nice little earner for your bank.

 

Follow this link to see the discussions on this.

You might even double the size of your claim.

forumbox_right_tile.gifforumbox_bottom_left.gifforumbox_bottom_tile.gifforumbox_bottom_right.gif

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As far as charges go ADD interest charges i. 18+ % or what they are charging you on your statement onto the initial spreedsheet, then if you go the Court Route you charge a further 8% as statute rate on top.???

 

Correct Mike,

 

The spread sheet to send with a prelim letter should show All charges and the interest you have been charged. We then add at the court stage 8% interest on all of it !!

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks again for replies.

Next question lol can you claim for charges from credit cards? just i see major banks on here but not credit card companies.

 

Can i also just say that, should I be successful with anything I claim, I will be sure to donate on here, as I think it is the best thing I have ever joined up to, and without this help I wouldn't even know where to begin :)

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Indeed you can go after your credit cards and whats more, they are not part of the test case !!!

 

You will find a list of CC claims here :-

 

Other Institutions - The Consumer Forums

 

Lex

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thats right Deli,

 

Special Delivery for all paperwork. Don't forget to enclose your £10 cheque or postal order, you may get this back as a GOGW.

 

Please do get after those Credit Cards, you serial litigant you...:grin:

 

Lex

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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:D

 

I am going to look into the credit cards too, I have already asked them for all the information they hold on me, send them off at weekend, just a bit worried now as I didn't send them ones recorded. Nevermind, should I not received replies i shall send them recorded...

 

Letter to HSBC going recorded today :)

 

i have started now...there is no stopping me :D

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