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    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
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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.

      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.
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      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
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Online claim


sammy01
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Hi sammy you can find any post you have made by clicking on your name >> view profile >> find threads started by .......

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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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