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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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    • We have finally managed to obtain the transcript of this case.

      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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No access to online banking


idkwhat
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There are a lot of intricate details to this, so I am going to assume everybody is familiar with how the mobile banking app works independently and in relation with online banking on the website.

 

I'm in a desperate situation. I have literally ZERO access to my online banking.

 

My phone broke the other day so I'm borrowing one of my friends old ones, temporarily. I had an iPhone and this is an Android and thus I couldn't use iCloud to restore most of my information. Therein lies the issue. My old phone had all of my banking details on it. The only ones readily available to me are my account number, sort code and my cards. That being said, here's the situation:

 

I am a student and need to start paying rent for my accommodation for September by the end of the month and so I need to set up a standing order. The HSBC mobile banking app crashes on this phone and therefore I have no access to my security code generator. This narrows my method of access to my account to answering security questions, using a password that I do not have access to, and my memorable word, which ironically, I do not remember. My memorable word is one of two options and I can't tell which it is.

 

I tried accessing my accounts through memorable word + password and I couldn't remember my password. In the process. I am now locked out. The only method to access my accounts, therefore, is through customer service.

 

Kid you not, as if this couldn't get any more complicated - after entering my sort code and account number in the phone, they asked for my DOB and now miraculously it does not match what is on their system (this has never happened before in the 4 years I've been banking with HSBC and this detail has never been changed).

 

So:

I can't use the app because it crashes

My details are on iCloud and I do not currently have access to them, thereby meaning I cannot use Mobile Banking or Online Banking in Browser

I urgently need to make a payment or I am literally screwed

Everything that can go wrong has gone wrong, including alterations to my personal details which should never have happened

 

That being said, the last solution is to go to my local branch and present myself in person. To gain access to my details and unblock myself from my online banking etc. That being said, what is the process like? Do I need anything other than my ID? Is there ANYTHING else I can do? My car is in for repairs on Saturday, and I'm working every day except Saturday - so I may not even be able to reach a branch before I go to Uni and inevitably end up being homeless HELP!

Edited by idkwhat
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just go thru to a human being on the banking phoneline

 

 

it used to be keep hitting the # key

and it simply bottoms out to a human

should be able to do it now they are 24/7

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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just go thru to a human being on the banking phoneline

 

 

it used to be keep hitting the # key

and it simply bottoms out to a human

should be able to do it now they are 24/7

 

I had no idea!

 

I called and they didn't let me talk to anyone till I entered my sort code, account no., and DOB - my DOB didn't match their records :/

 

I'll try this tomorrow after work, thanks!

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Apart from assorted plastic and on-line/telephone banking, my Bank provided me with an old-fashioned cheque book for payments and a Standing Order can be set up on phone/in Branch if you know rel bank details.

What DID we do before the internet, ATMs & smartphones?

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