Jump to content


  • Tweets

  • Posts

    • 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...  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Mailman v HSBC - WON


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6512 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Righto, so now its my turn to have to deal with these guys!

 

The story so far.

 

Way back on the 2nd of Feb my account went in to over draft. The charges came to £125 which was then taken on the 20th of March.

 

Then after the charges were taken out my account went in to over draft again (because of the charges) and I was charged a further £50 for being overdrawn!

 

So I sent a polite letter asking for a refund and pointed out that the charges bore no relation to the actual cost to the bank. I also pointed out that when I called the bank to query the charges I was instantly offered an over draft so as to avoid future OD charges!

 

BUT...come on...if its so easy to offer me an over draft then and there on the phone why couldnt this have been done when my account went overdrawn back in bloody February!

 

A few weeks after sending my letter I got a reply from the bank saying that the charges had been applied correctly and that no refund would be forthcoming.

 

However between my first letter going and the reply my wife got an email from the bank that included a paragraph saying;

 

"However, we will not charge review fees more than the amount by which you have exceeded your overdraft limit in any one month. As the maximum balance on your account was GBP 13.84 on 7 February 2006, a charge of GBP 13.00 has been calculated."

 

Seeing as my account was overdrawn by £80 the first time the fact they took the full £125 contravenes what their own staff are telling their customers!

 

So anyway, today I sent off a second more forceful letter explaining a few home truths about illegal activities and penalty clauses being unenforceable etc. So we shall see how that letter goes.

 

My next letter was going to be to the Banking Ombudsman...however seeing as they are there to look after the banks I guess Ill be going straight to the small claims court!

 

Wish me luck!

 

Anyways...heres the kicker about HSBC! Of all the major banks in England, the majority of HSBC's profit came from customer activities (ie. you and me) whereas the other main banks made the majority of their profit from commercial activities (ie. loands to businesses etc).

 

Regards

 

Mailman

Link to post
Share on other sites

Good luck with your claim.

 

Regarding the stuff they tell their customers being contradictory at all times, you might be interested to know what they tell their own staff...it will make your eyes water. If you would like to know more, PM me with an email address.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Good luck with your claim.

 

Regarding the stuff they tell their customers being contradictory at all times, you might be interested to know what they tell their own staff...it will make your eyes water. If you would like to know more, PM me with an email address.

I'd be interested in knowing more. Is it not possible to post them here?

 

Neil.

Link to post
Share on other sites

I'd be interested in knowing more. Is it not possible to post them here?

Neil.

Unfortunately not - but as an ordinary Joe I am willing to answer by email.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

  • 1 month later...

Well I sent my second letter to the bank on the 3rd of May, got a standard letter saying they have received my letter rah, rah, rah etc.

 

Several weeks passed and nothing, got to the end of May and still nothing from HSBC. During the last week of May I received 4 phone calls from 4 different people over my account being £31 over drawn and asking if Id clear that amount up. So during each of these calls I asked what the progress was with my complaint, which naturally enough they couldnt answer.

 

So I sent them a final warning, giving them 7 days to pay up or Id take legal action.

 

Again, naturally enough, nothing heard back from the bank so yesterday I lodged my claim online.

 

Lets see how this one goes!

 

Regards

 

Mailman

Link to post
Share on other sites

yesterday I lodged my claim online.
Good on you - good luck. :cool:

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

How is this for an efficient public service! I got a letter from the court on THURSDAY saying the claim had been sent to HSBC and that as from the 12th of June will assume the notice has been served if HSBC doesnt get back to them!

 

Farken hell, and here I thought the only people who were efficient were wheel clampers hired by local councils! :D

 

So, the wheels on the bus are turning...cant wait for this to get to the hearing!

 

Regards

 

Mailman

Link to post
Share on other sites

great news

 

Have you PM'd anyone your claim no etc to be added to the litigation in progress ? if not can you PM me it please

 

 

keep us posted on your progress

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

Link to post
Share on other sites

Saturday morning I received a letter from HSBC saying if I sign here everything will be forgiven...however the only problem is the sum mentioned £458 is far more than what I claimed (£205). And that if I signed they would give me £380 and be done with me (because the cost of defending the claim wasnt worth it rah rah rah etc).

 

So is this just more dirty tactics from HSBC or perhaps, this is what Im hoping, they have gone through my account and added up ALL charges I have paid!

 

The dirty *******, is there no end to the dirty, dirty games they will play! :D (MODERATED: Language please!)

 

Mailman

Link to post
Share on other sites

Why is everyone who filed a claim AFTER me receiving acknowlegment letters and in some cases settlement letters while I HAVE HEARD DIDDLY SQUAT???

 

They haven't even acknowleged online - they've got until Wednesday at 4pm. I'd really rather they acknowleged rather than me winning by default.

 

OC

Link to post
Share on other sites

After consultation with SS, may we suggest a letter on the lines of:

 

"dear sir, I accept your offer of £WRONG unconditionally. However, as this was not the original claim amount, please confirm that this is the amount you are offering in full and final. If I do not hear from you by the time the sum is credited to my account I will take your silence as implication that this is, indeed, the bank's intended offer.... " or words to that effect.

 

If they confirm, then they can't really later claim it was an accident and you're in the clear. If they realise their mistake, you're no worse off than you were to start with.

Link to post
Share on other sites

Well I received another letter on the weekend, this time from their solicitors (DG Solicitors) offering £205 with a confidentiality clause.

 

However I have since sent them a letter advising them that a confidentiality clause is a non-starter and that I expect the full amount to be paid free of any conditions.

 

So lets see how this one goes. Im picking them being prepared to drop the confidentiality and just paying out as it probably costs them a heck of a lot more an hour to engage their solicitors to defend such a small case :)

 

Regards

 

Mailman

Link to post
Share on other sites

Checked my account this morning and my charges were finally refunded. £205 in total was credit earlier today!

 

In the end HSBc caved in like a pack of cards...just a pity it took nearly 4 months to get such a small sum back from the buggers!

 

Now that I have got my money back is there anything I need to do with the county court action I started? Can I stop my claim on line or do I need to call them?

 

Regards

 

Mailman

Link to post
Share on other sites

CONGRATULATIONS

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

Link to post
Share on other sites

  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6512 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...