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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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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.
      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.

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HSBC _ Metropolitan collection services


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Hi all

need some help here

have done SAR, got statements, asked nicely for money back... was going to use it to clear my overdraft, the bulk of which is covered by the charges. Got a nasty letter from HSBC collections

Wrote to them and said account was in dispute, please cease from any further action until the account issues are resolved

and guess what they have passed the debt to a collection agency

is this lawfull?

what can i do to chase the debt agency away?

can i complain about hsbc

 

any ideas???

:p
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Hi,

 

I'm no expert, but there are a few people who might be along shortly can put you right. It is my understanding that once a debt is in dispute, nothing can be done with it until the dispute is resolved.

 

Cheers,

Lee

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  • 9 months later...

I have a strange feeling that the account is not in dispute until you file a claim through the court. I maybe wrong about that though. Have you filed a claim with your court yet?

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Metro are a wholly owned subsidiary of HSBC in other words its just HSBC's debt collection department.

Like all debt collection companies all they care about is getting money off you and they can be pretty heavy handed doing it. Just keep replying to any letters they send confirming that the debt is in dispute and they should refer the matter back to HSBC.

If they phone you (and they will try this) tell them you don't discuss financial matters over the phone and put all of their questions it in writing, it worth noting they are not allowed to talk to you if you don't answer their security questions so don't answer them :)

 

The balance of your account (the debt) is in dispute as soon as you ask for your charges back however they could try to argue this point if you haven't started litigation.

 

Have a look at post #213, #314 and #319 on my thread if you want some ideas about what to put in letters.

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/85633-castelbest-ii-return-claims.html

 

good luck :)

 

pete

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As it is a bit quiet on here at the moment I have done a little bit of researching into when an account becomes in dispute. Here is a post from a site helper to someone who asked a few questions regarding this matter.

 

 

 

Q1. At what point does a queery about a debt formally become a dispute?

 

A: When you dispute the amount owed, whether this be partially or in it's entirety, and have presented the dispute in writing.

 

 

 

Q2. What is not allowed while a debt is in dispute?

 

A: The creditor is not lawfully allowed to take any action against an account while it is in dispute.

 

 

 

Q3. Who ultimatly do you complain to if the creditor is ignoring the protocol while a debt is in dispute?

 

A: The creditor themselves, Trading Standards, the OFT and the FOS.

 

 

 

Q4. Two of the CRA's show defaults on my report, these are now over four and a half years old, the third CRA, Equifax, does not show these defaults and looks ok, Any ideas as to why they dont appear on the Equifax report?

 

A: Different companies use different CRA's. Equifax and Experian don't share info on defaults.

 

 

 

Q5. If a default stays on your credit file for six years, what happens if after the six years you are still paying it back, its still not settled?

 

A: It doesn't appear on your credit file, so doesn't affect your credit rating.

 

I hope this helps

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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  • 6 months later...

ok so where do people that have never banked with HSBC in any way shape or form stand with regards to this collection agency calling them? I've never had an account with HSBC but I have been receiving calls from this collection agency today. Can anyone give me some clue as to how I can stop them calling me as I have no outstanding debt with these people.

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Hiya spice have they said why they are calling you? I've never known Metro work for any other bank or financial body so unless they are branching out it will be to do with HSBC.

 

If they phone again see if you can get some more detail off them.

 

pete

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  • 4 months later...

I live in Slovakia and have asked a friend in the UK to send two recorded delivery letters to their address in Edgbaston Rd, Birmingham as I had to answer two letters from them where there were inaccuracies.

 

I wrote in May and August, 2nd class recorded delivery.

Neither letters are confirmed as having been received on the royal mail website.

 

It's not unknown for me to send recorded delivery letters for them to be received but not to come up on the royal mail website.

 

However, it's a little strange that BOTH recorded delivery letters have not registered.

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  • 4 weeks later...
  • 1 month later...

We are bankrupt and one of the debts was to HSBC. Despite being told by the Official receiver to leave us alone Metropolitan Collections have continued to hound us. If it is illegal to hound someone who is bankrupt how to HSBC get away with it. We have put in a complaint to the FSO but it is taking forever to be dealt with.

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I'm assuming Metro are phoning you, start logging the calls you receive and tell them you are doing this, date, time and the name of the person who is calling you.

 

They shouldn't discuss anything with you until you have answered their security questions so refuse to do this and tell them you don't discuss financial matters over the phone and to write to you instead.

 

Have you spoken to the FOS? told them you are being harassed by Metro?

 

pete

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Hi! Yes, we have forwarded the threatening letters to the FSO but their complaints apparently have to be delat with in strict order. We are logging the calls but have yet to presuade someone to give us their name. They told us today that they would be applying for a charging order on this house. The thing is that it is my house and it my husband and his business thatg went bakrupt. I was not involved - but just try tellin g them that!! I have written to them again and told them that again and told them that if they do take us to court against the advice of the Official receiver then I will be expecting to get costs. The OR thinks this might stop them but Im not so sure.

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I'm a bit rusty on bankruptcy but from memory, once an official receiver has been appointed all creditors must deal with him regarding outstanding debts. This is designed to protect the assets of the person who has gone into insolvency and ensure a fair distribution amongst all of the outstanding creditors.

 

I would be inclined to write to metropolitan in your husbands name stating that you are in no position to discus financial matters with them and refer them to the official receiver for all further correspondence.

 

Confirm you will not respond to any further communication and you will be reporting them to the FSA for their harassment to date and to the police if they continue the harassment.

 

Here's some information on harassment for you;

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

 

And here's an example of the kind of tone of letter I used with Metro :rolleyes:;

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/125577-metropolitan-collection-services-action.html

 

Keep us posted how your getting on or just shout if you need to know anything else :).

 

pete

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Thanks for the info. We had another eight calls yesterday evening and four more thismorning starting at 8am. I have learned (from the Police) that Trading Standards admister the Adminstration of Justice Act , section 40 and so have put in a formal complaint to them - although they tell me that they cant deal with every breach of the act!!! Does that mean that the banks and so on are doing this so much that Trading Standards are overwhelmed? Do you know what - even though this whole thing is a nightmare it great to have found a site where people actually know what you are going through and can actually give you practical help. Brilliant!!!

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I have just spoken directly to my local Trading Standards department - rather than going through Consumer Direct. They have asked me to get my case together and they will consider prosecution Yes!!!! This means that the court could look at whther or not HSBC is fit to hold a credit licence. Watch this space!

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  • 1 month later...

hi all my first time on so am rather rusty but realy need some good advice.i had a large personal loan with hsbc of 13k that was passed on to metro collection service due to yet another change in my circumstances i have now missed the last 3 months instalments to them can anyone tell me what actions they will now take as i have received no letter regarding this.can you tell me if they can make an attachment of earnings with out telling me. many thanks

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