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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Poor FOS response to HSBC hardship bank charges claim - where to go next


Bunchie69
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Hi,

 

my 19 year old son who has recently been diagnosed with depression got himself into a muddle with his banking due to inexperience and the ease of contactless payments.

 

 

He was paying charges of £80 per month for the majority of a year and was unable to get himself out of the financial mess he had got himself in.

 

Once I became aware I advised him to speak to the bank HSBC and ask them to give him an authorised overdraft so he could limit his charges and get himself out if the situation he found himself in.

 

He contacted HSBC and as he failed a credit score (no surprise there, he has never had credit) they refused to give him an authorised overdraft.

 

He buried his head the sand a little longer and then finally took my advice to contact the Financial Ombudsman.

 

 

HSBC initially denied to the FOS that he had made a call to them explaining his financial situation and asking for help

 

 

but after we supplied a telephone bill detailing the date and the fact that he was on the phone for in excess of an hour they agreed that he had made contact.

 

 

The FOS requested the conversation.

However HSBC did not submit a recording of the phone call

they supplied hand written notes.

 

 

These notes failed to mention that he was experiencing financial hardship.

Therefore the FOS said that he had no case.

 

 

He stressed that he did state this in the phone call but the FOS decided that as it was not mentioned in the notes submitted by HSBC then that was the end of the matter.

 

My son has paid in excess of £800 in charges on a paultry income and it feels that he has no redress against HSBC.

 

 

Can they not be forced to submit the original recording?

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If a recording of the call doesn't exist or can't be located then of course this won't be possible.

 

Your son may may be able to make a Subject Access Request in order to obtain a copy (if there is one).

 

Though, whether he's experiencing financial difficulties or not,

HSBC are not under any obligation to refund any charges that your son's own spending habits have incurred.

 

As your son is on such a "paltry income" and is inexperienced with his banking perhaps your efforts will be better focused on educating him on his responsibilities in managing his finances?

(It's just a suggestion and I appreciate you may have already done this, but your post didn't mention it so I thought it worth mentioning)

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get an sar running

they cant use 'notes' if they've nothing to base them on.

 

and those 'notes' must have been made at the time of the call.

 

so study the comms/account log very carefully.

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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Well of course this will depend on whether or not there is a recording.

 

And my understanding was that a bank is not supposed to perpetuate a cycle of debt especially when the person has raised the fact that the charges were pushing them into an overdraft that the bank would not authorise to limit the amount of charges.

 

Since becoming aware of the problem I have tried to educate my son and offer advice and support about managing his finances which was why we started by approaching the bank directly for help in the first place. We raised the issue of the amount of charges only after they refused to help him get out of debt.

 

I will try the subject access request as you suggest

 

Thank you. We will look at this

 

I was wondering if we would have a case to take to the Independent Assessor

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just for want of ref

the FOS never side with customers in cases of unfair bank charges

they never do no matter how strong the case

remember who pays them...

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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I just find it bizarre that initially denied any knowledge of a telephone call from him explaining his situation and asking for help and only supplied the 'hand written notes' once we supplied telephone records showing the date he called and the length of the call.

 

is it all just a waste of time?

Even if we do the SAR where will that leave us?

 

 

One week after charges he had £2.00 in his account after he got paid.

He had to find his travelling money to get to work and so was immediately back in the red again accruing more charges.

 

 

I completely understand that the debt was his fault prior to the date he contacted them but afterwards for at least another 6 months he was in the same situation even though he'd asked them for help.

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no we'll hit them harder

its disgusting..

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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They were able to change the rules after a succesful trial... it used to be that you could quote financial hardship and they would have to return all those unfair charges which pushed you further into debt.

 

Some people really do find it hard to manage on a very small income... wages are at an all time low whilst costs of living go up and up... it's not a matter of educating people, it's just that some are 'just about managing' and some don't manage at all because they are on zero hours, or whatever, and have to juggle the bills.

 

I was trying to help my own son a few years back... the bank was aware that he was in trouble, and he was in receipt of housing benefit, even though he was working full time... but they just kept chraging him for bounced DDs, etc, until he ended up with an unauthourised overdraft of £4k!!

 

These banks just don't give a damn and especially HSBC... always involved in all sorts of fraud and corruption, but the last to admit to any wrongdoing, especially where those who have been treated unfairly are concerned.

 

Just appalling. :-x

 

TB

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