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    • a 'witness' to it not arriving till the 15th is sadly immaterial too. regardless to the above anyway, the PCN remains valid. 
    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

HSBC - Card Guard, CPP claim


Elsie911
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Hi All

 

Having spend a bit of time reading some threds this evening, I have been inspired to take on HSBC.

 

When I opened a student account with them in September 1999, I was told I 'may as well' have a credit card - for emergencyies - and that their card protection came with it. I was told I should take it out as I could put all my other cards from other banks on it too. (I remember this bit clearly as my mother wasn't all too keen on sending me off to university with a credit card!!)

 

The policy was annual and they write to tell me when they are taking the next payment. This is always something that I thought I needed as that was what I was told at the outset and I have never thought otherwise....until now!

 

When completed my personal banking this evening, it would seem that I have had my HSBC account upgraded. Reading someone of the perks I get as standard made me think carefully about the annual policy and if there is anypoint to it.

 

Anyway, I have come to the conclusion that I don't.

 

I hope someone will be able to help with with a few questions. Is this the kind of thing that I can claim back? I feel I was mis-sold this policy and the fact that I was only 18 at the time of taking it out, they probably saw a young girl about to leave home for the first time!! What should I do next? I am happy to write to the bank, and have some idea of quotes and things I can put in the letter to let them know I am serious.

 

Can anyone give me any more advice? Have I got a claim or not?

 

Many thanks

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yes you can reclaim it but through CPP

 

have moved you to the CPP forum.

 

click the blue CPP group plc up top in blue

 

and have a read

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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read the yellow stickies

 

and other peoples threads esp martin3030

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?356-CPP-Group-Plc you are in this forum already

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks so much! I have had a read and written a letter. I have explained in the letter that the customer service advisor failed to explain the policy to me and consider if it was in my best interests etc etc. I have also put that I was made to feelt that I had to have the policy - I hope it is enough.

 

Should I just given them 14 days to respond? I feel that I need some offical jargon to put at the end about what would happen should they fail to respond - do you have any ideas or phases?

 

really appreciate your help - I really have no idea if I am doing the right thing!!

 

Elsie

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8 weeks sadly.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 year later...

Actually cancelled my CPP back in 2007 but got a letter through the post so filled it in using one of the many "advice posts" on here. Just banked a cheque for £83.09

My girlfriend had hers returned so again used one of the "advice posts" on here and got a cheque for £209 BONUS.

Many thanks to all who posted great info.

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