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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. 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. Can a PPC (claimant) 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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HSBC Mortgage PPI **** SUCCESS ****


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All,

 

After a successful battle with Barclays Partner Finance over charges and a PPI reclaim with Aqua that proved successful (thanks to the great people on here and MSE) I have gone through the little paperwork I still have, to see what else I could look at. I have placed claims with HFC on another thread for some retail loans on electrical goods but also found the policy number of my Mortgage PPI through HSBC

 

As a background I opened my old student account with Midland in 94 and did all my banking with them for years including all loans, my credit card and then mortgage when I got married in 2000. I do not have the detail for this policy, but rather for my single policy that was opened when I bought my house in 2003 after my divorce.

 

My mortgage was in my name only and the paperwork was made out with a "sign here, here and here" attitude in the bank.

 

Mortgage PPI was set up, which I just thought was the norm - exactly as had happed 3 years earlier. At the time I had 6 months full and 6 months half pay, working for a company I had been with for 3 years and are the biggest brand in the world (not much chance of losing my job). I had life and critical income cover and an income protection policy - all through HSBC Life.

 

If I'm honest, looking back I think it is far too much cover, but I have been told that it sounds about right from some people. After changing mortgage in 2006 I discovered that MPPI is not a necessary part of buying a mortgage, nor does it have to be with the organisation that sells the mortgage either if chosen.

 

The policy ran through till 2007 when I cancelled it (stupidly presumed that it would be cancelled at the time my mortgage with them ended) and I've not had MPPI now for 4 1/2 years and I've never had it questioned by my mortgage provider (changed again in 2008)

 

I suppose i'm asking if people think I have a valid argument for complaining to HSBC that the MPPI wasn't necesserily in my best interests based on the cover I already had with them?

 

Thanks

Edited by ims21
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Hi

 

I have formatted the post for you to make it easier to read.

 

Yes you can claim. I guess the premiums were a fixed amount eacc month?

 

Do you have the statements showing the amounts and the dates of payment.

 

Short answer is yes you can reclaim this.

 

ims

 

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Hi IMS, most appreciated (again!!) No idea, why it wont format when I post, even after I edit. Might be due to work internet? Anyway all I have was a letter than showed the policy account number and the payment owed when I cancelled the DD in December 2007. I had no paperwork for the policy, couldn't get any sense out of anyone at HSBC Life, so cancelled the DD with a view to getting a reponse. It showed the premium that was outstanding - £29.72, so I'm guessing that the monthly payment wont be too different to that figure each month previosuly from 2003. The premium was obviously paid each month.

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I was thinking the same. Based on a figure between £25-£30 per month then i'm pretty sure I paid over £1k for this cover, that wasn't necessary in my opinion. I'd like any redress (if there is one) to be acurate. Based on the sums and time frame then there should be a hefty chunk of interest to go on top of that too. Do you think my claim is a valid one and my opinion of a miss-sell is correct? I was already covered, no option to go somewhere else for cover if required, paperwork drawn up at same time and told to sign (i'm aware this is very hard to prove) hence the fact I had so many other insurances through HSBC at the same time is what I would rather focus on

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Well it looks like I haven't needed to SAR them. I'd actually posted the FOS form in Nov to them, and was expecting a wait. Thought i'd get some info from the SAR in anticipation for an intial rejection, as seems to be the case with MPPI.

 

However a letter arrived yesterday with an offer that was almost double what I was expecting with 8% stat on top. This would be a massive help in paying off a loan and paying off an overdraft. Would put me around £200 a month better off, which is perfect timing as I am about to move back into my home (after 2 years in different parts of the UK and my house rented out). I don't have a breakdown of payment unfortunately but it looks like it covers payment back to 2000 on the old MPPI I had with my ex wife. I've just run my almost £30 payment back to 2003 then the same back to Feb 2000 (but at half the rate) and its near as damn it to what they have offered. Shame the tax man gets £500 but can't complain too much!

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Hi IMS

 

Yes i've put into a spreadsheet going back to 2000 when i bought my first house. For the first bit i've guessed at around £13 (half of what I expect the premium would have been) and then put in the £29 from June 2003 through till Nov 2007. It seems to work out pretty much what they have offered and the interest works out about right too. I only paid MPPI with HSBC in that time, so don't see how it could be wrong. Maybe a couple of £'s wrong at the most. Very happy indeed, and all for the cost of 5min to fill in and a stamp. At least i'm vindicated in the belief HSBC tried to sell me so many thing I didn't need, and being young(er) at the time, bought it!

 

Good luck to anyone in a similar position. Lets hope HFC are as generous, as i have exactly the same reasons in place - Income protection policy with HSBC covered me :-)

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Thanks IMS, although I feel guilty about a well done, when I didn't really do anything, lol. As soon as money is banked (they took bank details so wont get cheque thank god!) i'll let you know. For the first time in a few years i will have some breathing space each month. Can't wait!!!!

 

 

Cheers :-)

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  • 2 weeks later...

All,Money landed in account today. 2 weeks after they received my acceptance. I did check my account at 9:30 this morning and it wasn't there, however after spending 30min on the phone (The 2 tel numbers on the letter didn't work!) and eventually speaking to someone in the relevant department, he told me that my payment had been made on the 3rd and had I checked my account. Low and behold the money was there now! Very pleased. Loads of bills paid this afternoon

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  • 4 months later...

Hi joncow75

 

I am in the process of trying to claim PPI from HSBC and noticed that you have had success from a very similar start date. Would you be willing to share the process you went through / letters you sent? Was your policy charged to your account as HSBC life? The basic scenario in my case is that I was sold this as compulsory in order to get my mortgage and the cover provided was offered through my employer!

 

Thank you for any help or advice you can give

 

Naith

 

[EDIT]

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