Hi i'm new here but my partner had a personal loan of £2,500 with HSBC, in 2005 he lost his income and had problems with keeping up direct debit payments for other items, HSBC contacted himhe asked for a short term overdraft to cover their loan repayment and said that they would reduce his repayments from £76 down to £38 a month . For over 18 months he did not get a statement from his loan account when he did he was shocked to discover that £31 out of the £38 is in fact interest charges, and that he had a managed loan and not a personal loan They had also changed his bank account into a basic bank account. for the last 2 years he has been on good wages and has never missed a payment. He would also like to know if he can claim back these interest payments as he was never told that his loan account was being changed from a Personal loan over to a managed loan as if he had been given al the details ie: interest charges being almost two thirds of the monthly payment he would not have agreed. HSBC gave the impression that they were helping him out in the short term. since going over to the managed loan in 3 years he has paid off approx. £210 I am wondering if there is a case for reclaim under the terms of mis-sold as he never signed an agreement for the managed loan and was never informed of the terms and conditions

No OH didn't think to take photos, butthe car in front of us arrived just after we'parked up and was still there when we were ticketed but there was no ticket on their vehicle or on several others further down the road without residents permits

As OH works nights and I am unable to get to the council offices 20 miles away to check out the regulations then I guess we'll just have to pay the fine and put it down to experience as our 14 day limit is almost up. Just one thing how can this council only give you 14 days to pay when other places give you 28 days

Could someone please tell me how and where i would check to see if the Traffic Regulation Order is in order

Can these be issued by councilwardens or do they have to be issued by a traffic warden/policeman

Have been unable to upload scanned images but here is front a back word for word, please note that the warden left the location blank on the bottom of the form. front of ticket EAST RIDING of YORKSHIRE COUNCIL THE ROAD TRAFFIC REGULATION ACT 1984 OFF STREET/ON STREET PARKING PLACES ORDER PARKING CHARGE NOTICE (NOTICE OF OFFENCE) PCN No: xxxxxxxxxx Vehicle registration number: xxxxxxxx Make: Ford Colour: Black was seen at (location): xxxxxxxxxxxxx By Attendant Number 525 On: 17/08/2008 between 12 : 07 and 13 : 32 who had reasonable cause to believe that the following parking contravention had occurred: No Valid Permit which is an offence under the East Riding of Yorkshire Council (Various Streets Bridlington) (Controlled Parking Zone) Order 2005 and section 47 of the Road Traffic Regulation Act 1984 Accordingly a charge of £60 is now payable. FOR INSTRUCTIONS ON PAYMENT SEE OVERLEAF ---------------------------------------------------------------------------------------- IN NO CIRCUMSTANCES CAN PAYMENT BE MADE TO A WARDEN. FOR FURTHER INFORMATION/DETAILS VISIT xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx -------------------------------------------------------------------------------------------- PCN Number xxxxxxxxxxx Vehicle Reg: xxxxxxxx Date of Issue: 17/08/2008 Location: back of ticket: PARKING CHARGE NOTICE As indicated on the reverse, PAYMENT must be made within fourteen days, otherwise proceedings may be commenced in the magistrates court for the offence. This may lead to a criminal conviction and an order against you to pay a fine together with the charge of £60 and the councils costs. Payment may be made by post using the envelope provided. Cheques or postal orders should be made payable to East Riding of Yorkshire Council. Please write the Parking Charge Notice number and your address on the reverse of the cheque. Cash should not be sent unless by registered post. Payment in person may also be made at any EAst Riding of Yorkshire Council Customer Service Centre (Monday to Friday only). These are located at: 17m Hull Road, ANLABY, HU10 6SP Cross Street, BEVERLEY, HU17 9BA Town Hall, Quay Road, BRIDLINGTON, YO16 4LP Civic Hall, Market Green, COTINGHAM, HU16 5QG Council ~Offices, West Garth DRIFFIELD, YO25 6TP Council Offices, Church Street, GOOLE, #dn14 5BG 2 New Road, HEDON, HU12 8DF Peeler House, Ferriby Road, HESSLE, HU13 0RQ 75 Newbegin, HORNSEA, HU18 1PA Burnby Hall, POCKLINGTON, YO24 2QF 243 Queen Street, WITHERNSEA Payment by credit/debit card may also be made by telephoning 01482 395376 8.30am to 4.30pm Monday to Friday. Alternatively you can log onto the Parking Office webpage: xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx where you will find full details of the offence, together with datails on proceedures to pay online or to seek further advice on the matter. Please allow 3 to 4 days after the date of the issue of your ticket. If you wish to challenge your liability for the alleged breach of the above Order then you must do so in writing, or on line, within fourteen days, submitting any documentary evidence, parking ticket or copy of a permit in support of your case. All postal appeals should be addressed to Car PArking Admin Office, Grovehill Depot, Annie Reed Road, Beverley, East Riding of Yorkshire, HU17 0LF. A copy of the Parking Orders can be inspected at East Riding of Yorkshire Council, County Hall, Beverley, HU17 9BA ---------------------------------------------------------------------------------------------------- Please complete when returning this payment Name: (Mr/Mrs/Miss/Ms).................................................. Address:.......................................................................... ........................................................................................ ..................................................Postcode:.......................

Could anyone tell me if i have grounds to appeal this parking charge notice given by a local borough council. The notice was attached to our car which was in a CPZ in a parking bay with restrictions of parking for one hour then no return for at least an hour. Our car was blocked in at both front and back and moving was not possible without damagingi our car and the other persons. My confusion as to the validity of the the ticket is that it clearly states that it is a Parking charge Notice, that an offence has been committed and that the fine of £60 is to be paid in 14 days or action may be taken in the magistrates court. The council website clearly states that the only parking tickets to receive discount for prompt payment are those issued in the pay and display car parks this was verified by a lady in the council office