Jump to content


  • Tweets

  • Posts

    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
  • Recommended Topics

  • 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
  • Recommended Topics

TRACYFLYY v HSBC


TRACYFLYY
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6009 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

  • Replies 99
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

please can anyone help me because i am fighting the bank and taking them to court. the charges are occuring i know owe 940 because i am taking them to court. the debt agency has phoned me and they are going to get the bailiffs on to me. My court date is going to take about a month what can i do? Please help me.

Link to post
Share on other sites

you need to send a cca letter to the dca and also include on it that the amount is in dispute so cant be collected while in dispute

Halifax

Settled in Full

Cap One

Settled in Full

Citi Card

Settled in Full

Link to post
Share on other sites

Guest ConsumersRevenge

Hi Tracy

 

The situation surrounding DCA's is tricky. They seem to make you believe (or at least try to) that they have all of this power, and banks go to them because they can do all this stuff the banks can't. It's pants, wuite frankly. Depending on the DCA involved, they will have either brought the debt or be acting as an agent. As the (quite good, and very correct) advise says, you officially dispute the amount in question. This will mean no action can be taken until the dispute is resolved. I used to work for a DCA myself, so i will send a message which might make you feel a little better, but is possibly too lengthly to put in the forum

Link to post
Share on other sites

Hi my debt is 950 pounds these are all charges after charges. They told me today on the phone that if I don't accept the offer of them trying to help me pay a small amount of money then they will take it further and it will affect my credit scoring. thanks tracy

Link to post
Share on other sites

Guest ConsumersRevenge

If you can show these are all charges, let them affect your credit score... Then, I should imagine you would consider an action for damages. Thier unlawful action is damaging YOUR reputation. Think what a damages claim could amount too. It should also be noted that you can order the bank to remove details of any default issued pertaining to an unlawful charge. However, from my experience of working with banks, and a DCA, I would warn you not to expect a Christmas card from hsbc this year

Link to post
Share on other sites

Hi i have been told by the courts that i have to provide the a) a shcedule setting out each charge repayment which is sought, showing the date amount and reason give if any.

b) copies of any statement or other document relied on as showing that each and every such charge has been made

C) a stament of evidence of alll matters relied upon as tending to show that the charges are irrecoverable as penalties or otherwise.

D) copies of all decided and other legal materials to be relied upon

 

Please can anyone tell me where to find most of these I am assuming A) is the calculation sheet b) is statements and D) is the legal documents on this site that explain why the bank is wrong for making such charges but I am not sure on the rest. Can anyone help please.

Link to post
Share on other sites

Hi I am a normal average intelligent person but I am very confused with this statement of evidence. I am using the genuine one and I don't know what to put in the blue parts can I use the same information. My head is hurting I only have 24 days left to respond. please can anyone help also I unzipped the court bundle and there was 50 pages do I need to print this aswell.

Link to post
Share on other sites

Hi I have looked at the court bundle and printed off 150 copies 50 copies each and I noticed there is a link early day motion from the house of parliament oft summary. I can't click on the link does anyone know if there is something else that I can go on to print this summary for my court case thanks tracy

Link to post
Share on other sites

  • 4 weeks later...

Today I Recieved A Letter From Hsbc And They Have Taken Money Out Of My Other Hsbc Account (one Is For Spending And The Other Is To Pay Bills.) Are They Allowed To Do This?? I Am In The Process Of Receiving A Court Date. I Have Done My Court Bundle. Any Help Please!!!

Link to post
Share on other sites

This process is known as off-setting, and is perfectly legal.

 

(By The Way, All The Capital Letters Makes It Very Difficult To Read Your Post)

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

I'm not quite sure where you got the 21 days from. When you submit a claim the defendant usually has fourteen days to acknowledge the claim, and a further fourteen days to submit a defence.

 

My guess is that they will submit a defence by 30th July (when they need to) and you will receive notification from the courts to this effect. If you do not hear, I would wait for about a week, and then contact the court to enquire how your claim is progressing.

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

Tracy, you have made a new thread for every question you have asked we cant keep track of where you are if you do that.

 

I'm assuming you have had a court date notice from your local court and a set of directions, what did those say DG Solicitors had to do ?

 

pete

Link to post
Share on other sites

tracey - i'm going to ask a mod to merge your threads

PLEASE - stick to one thread - we can't be expected to follow this if it's in so many different places -

once merged - just go on your one thread and ask any questions

 

never press new thread again unless you have a new claim to ask about.

ok?

Link to post
Share on other sites

14 threads merged and thread title changed

 

please keep to the one thread when asking questions or updating .This is in your own interest as you will get much more informed advice when people can see at a glance what you have done so far :-)

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

  • 1 month later...

Hi I put in my claim last year it was just about to all go through the oft decided to take the banks to court. My court will not do anything now I have to wait til February 2008. Hsbc are contacting me asking for the money gave them my court reference number. Do you think there is a good chance of getting this money back? Is there anything that I should be doing. I have already gave my court bundle. Thanks tracy

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...