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    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
    • Hello, I am wondering if someone can advise. I sold some goods via an online platform who essentially middelmans and authenticates luxury goods.  I have sold over 100 times with them in the past without issue but a while ago I had a sale go wrong, whereby they claim they never received the shoes in the parcel and instead received empty boxes. They wont show any photos of what they received. I considered whether to pursue them or the courier, and decided to pursue them because the UPS tracking indicates no issues at all, but also because they are the ones that contracted with UPS.  I sent them a PAPLOC which they claim was "lengthy and pre written" which is true because I simply adapted a previous one. They rejected any resolution so I issued a claim using an adapated thread from this forum from before against i believe evri. Anyway they filed a defence which essentially says that they think I shipped empty boxes and never shipped the shoes and am commiting fraud. However, I have weight records of every parcel I ship (and have done since 2019) and they have provided no evidence to support their claims. They also failed to comply with CPR request for inspection of certain documents within their defence, such as a report by their authenticator who they claim emptied the box (Although I know this is false because they have had literal job offers for "Warehouse staff" with the job description of opening and sorting incoming orders (OWTTE) so I also think here that I have a ground that they are trying to mislead the court, which once again is likely to obstruct the just disposal of proceedings. The amount is just over £1,000 I'm now wondering whether I should apply to strike out their defence / apply for SJ on the grounds that the defence is totally without merit and will obstruct the just disposal of proceedings by making me wait months for a trial that they are bound to lose and upon them having absolutely no proof to support their claims, and me having weight records, as well as the fact they failed to comply. I am aware the fee for this would be £303 but the trial fee would be £123 itself so the difference is £180. Any advice please?
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Online claim


sammy01
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  • 2 weeks later...

Hi sammy you can find any post you have made by clicking on your name >> view profile >> find threads started by .......

We are looking into why some people can't see all the threads

 

 

EDIT please read sticky in general everyone please change your settings this will be why you can't find threads

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.

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I'm eagerly awaiting reply to my DPA request (sent 24/03/06). All my charges are for going over my overdraft. My statements show Total Charges £xx and Debit Interset £xx. Can I claim both of these amounts for the 6 years. Unsure as the bank has clearly charged me excessively, but are surley entilted to make some charge for each occasion the account went over the agreed limit. What would it cost the bank each month as no letters sent just monthly statements.

 

 

MOD NOTE: THREADS MERGED TO MAKE IT EASIER FOR PEOPLE TO FOLLOW PROGRESS

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What would it cost the bank each month as no letters sent just monthly statements.

 

This is the question that the banks will not answer - and because of that you can claim back the full fee, since it is a disproportionate penalty.

 

You can only claim the interest if it relates to the individual charges. The bank is entitled tocharge interest on an overdraft - but not on unlawful charges. Unfortunately this can be extremely difficult to calculate if an account continually moves between being in credit and overdrawn.

 

 

 

 

 

 

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  • 2 weeks later...

Sent DPA letter end of March. Received a reply today from HSBC (Ian Shepherd)confirming receipt of my letter and advising all statements would arrive shortly. They also credited the £10 cash I had sent to my account as quote "we are happy to waive any fees for the production of this information." We will see if they are as happy when I request approx £2500.00 back.

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  • 2 weeks later...

About to send my letter claiming my charges. Quick question, my statments show total charges XXX and debit interest XXX. Can I claim the interest as well. I have spoken to HSBC'c Indian call centre and was told the debit interest is for using my agreed overdraft?

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  • 1 month later...

Sorry I don't know if I am posting this in the right place. I filled in an online claim 22/06/2006. Claim Number 6QZ40806, Amount £2989.00. I'm a little nervous. I also have a couple of people in work who are too nervous to start claiming against their own banks until they see how I get on.

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Dont be. Its now a game of waiting, you will get an ack stating they will defend the claim. Then it will be WP ( without predjudice a way of solving a dispute without court room battle ) negotiation time - Dont go for the 1st offer unless its a full one and dont sign nuffing either about confidentiallity etc.

 

HSBC - WP Negotitions £2500 to be settled this week I hope.

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Sorry I don't know if I am posting this in the right place. I filled in an online claim 22/06/2006. Claim Number 6QZ40806, Amount £2989.00. I'm a little nervous. I also have a couple of people in work who are too nervous to start claiming against their own banks until they see how I get on.

 

dont be nervous, i did my mcol on 23/06/06 so im in the same boat as you

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Following on from my online claim HSBC acknowleged and brought themselves 28 days. Today I received notice from the courts re the acknowledgement, I also received a letter from DG Solicitors requesting a breakdown of the amount I am claiming to enable there clients to consider my claim. Should I send a copy of the spread sheet which adds the interest and mention the £120 court fee. Is this normal your have I missed a step along the line.

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This nothing to worry about, just a stalling tactic to get you anxious.

 

If you wanted to be awkward you could write back and tell them that since their client supplied you with all the pertinent information in the first place, you suggest they ask their client.

 

Sensibly, just go along with their little game and send them the 8% spreadsheet

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Great news after posting a breakdown of my charges by special delivery on 3rd July, letter received today from banks solicitors offering full refund of charges plus court costs, but not interest. Should I accept this but advise I will continue with the online claim to recover the interest (£568.93).

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Me personally i would reply back to DG Solicitors and as thank them for their offer but as it is now going to court, If and when you win in court the cost will be Charges + Interests + Courtcosts as the courts say you can legally charge the Interest so why shouldnt that be offered in the settlement. I am sure that they will say on the settlement that this is a full and final offer, and if so that means then that you wont be able to claim for the interest seperately. Remember this is your claim proceed how you wish but also remember this, this is your money and your claim which means that if they wish to settle they settle on your terms not theirs.

Regards

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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Just thought of something else. My claim with HSBC was from April 2000 -April 2006. They have since charged me, can I claim these charges back under a separate claim

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Yeap i am sure you can all you have to do is start it all over again, Or what you can do is mention to DG Solicitors that since you started your claim you have been charged these charges and that if they wish to add these charges back ontop of the charges that you were claiming for + interest + Court costs and if not you will go on MCOL and change the ammount that you are claiming for as more charges have happened. I believe that MCOL charge you for changing the ammount but you just tell the solicitors that if they dont offer the full refund plue the ones that you havent been able to add on before the claim they will incur more court costs.

Hope this helps.

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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Thinking of sending this to Solicitors any comments or suggestions ?

 

 

Dear Sir/Madam

 

Thank you for your offer of £3109.00 as full and final settlement of my claim for £3557.93

 

I regret to say your offer is not satisfactory. As shown in the breakdown of my charges, interest is added as allowed under section 69 of the County courts Act at a rate of 8% a year amounting to £568.93.

 

Furthermore, unless this matter is resolved to my satisfaction before the 26th July 2006, I will proceed with my claim.

 

 

 

I must apologize, after just reading an update I did not send my breakdown of charges with my letters to bank. But the solicitors have them after there request. goes to show that it makes sense to thoroughly read the forum before diving in.

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Thinking of sending this to Solicitors any comments or suggestions ?

 

 

Dear Sir/Madam

 

Thank you for your offer of £3109.00 as full and final settlement of my claim for £3557.93

 

i accept this offer as part payment only and will continue to reclaim the remainder as per the timetable i originally stipulated.

As shown in the breakdown of my charges, interest is added as allowed under section 69 of the County courts Act at a rate of 8% a year amounting to £568.93.

 

Furthermore, unless this matter is resolved to my satisfaction before the 26th July 2006, I will proceed with my claim.

 

 

 

I must apologize, after just reading an update I did not send my breakdown of charges with my letters to bank. But the solicitors have them after there request. goes to show that it makes sense to thoroughly read the forum before diving in.

try that instead, you have to appear reasonable incase it ever went to court

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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***RESULT ***- DG Solicitors have replied and offered full amount. I will cross out the strictly confidential and return accepting it. But do I contact the courts to stop the online claim before receiving the money or do I wait until receipt of the money. Also how do I stop the online claim ?. Can someone change the title of this thread please. I know myself it does you the power good to read threads were people have won. Cheers

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