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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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HSBC Bank - Overdraft Charges


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Lisa, I have had second thoughts about whether you need to complete the paperwork you ahve been sent. I have asked someone with more experience to look in on you. :)

Ok thank you i have read it again but i dont understand what it means

lisa

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Looks like its been blanket stayed at Courts own notion,unless the defendants asked for this when they sent in their acknowledgement.

The form that you have would usually be capable of being used to apply for Judgement.

You will ust have to await further directions.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Looks like its been blanket stayed at Courts own notion,unless the defendants asked for this when they sent in their acknowledgement.

The form that you have would usually be capable of being used to apply for Judgement.

You will ust have to await further directions.

Thank you will just sit back and see what happens

lisa

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Ah, lisa - that was the deadline date for the banks to lodge their appeal - when the Noble Lords will come up with a judgement is anybody's guess - but hopefully it'll be before the summer recess ....:).

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Ah, lisa - that was the deadline date for the banks to lodge their appeal - when the Noble Lords will come up with a judgement is anybody's guess - but hopefully it'll be before the summer recess ....:).

ph ok thank you

Lisa

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What's ph ,Lisa ? :confused::)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hello PD , lovely to see you posting on the site again ....... :cool:

 

you're probably right , but I thought it might be short for something :rolleyes: - if it had been bh I wouldn't have needed to ask ......LOL! :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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You are most welcome , Ma'am :):)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 4 weeks later...

Hi all

 

Well an update dad got a 2 letters from wescot first one came in the form of a TELEMESSAGE.

saying: this account with metropolitan collection services has now been passed to wescot credit services, a specialist debt collection agency, with instructions to recover the amount outstanding.

we are now commencing activity on this account.

YOU SHOULD CONTACT US on 08709023072 to arrange to repay this debt before you receive our formal debt notification letter which is now in the process of being issued.

We are not aware of any genuine reason why this debt should not be paid and will continue with debt collection activity until notified otherwise.

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then the following day the debt notification letter saying : if you ignore the instructions and fail to take action by 3 june 2009 this may result in one of the following:

1. legal proceedingd been automatically issued against u in the county court/sheriff courts which could result in\; a county court judgement or decree againt u

your possessions being seized

your debt increasing because of court costs

2. a debt collectors being instructed to visit your home and collect the debt personally

you can prevent further action by contacting your priority number 0870 902 0587

 

PLEASE HELP !!!!!!!!!

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Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi all

Found this letter today was wondering whether its ok to send to Wescot regarding dads account

 

Dear Sirs

 

My account with HSBC Bank Plc

Account number ************** Outstanding Balance £304.96

 

 

I note with interest you have been instructed by your client to recover the outstanding balance on the above account and the fact you now formally demand immediate payment of £304.96 on behalf of your client following their own failed attempts to ignore the legal process and in my opinion extract money with menaces.

 

I draw your attention to my own county court claim number 9S********* which has now been stayed subject to your clients’ legal representative, DG Solicitors application to the court to await the outcome of the Commercial Court proceedings between the OFT and the Defendant (and seven others) comprised in Claim No. 2007 Folio 1186. I suggest you do the same, I’m sure as HSBC’s Debt Recovery Specialists you will be well aware of this situation by now.

 

I confirm any further costs you incur in this matter will be your own fault for being too stupid to read my correspondence and take heed of the current legal situation that exists and therefore will be at your own liability.

 

I further confirm if my account is referred to debt collection agents who try to act without the required legal backing and attempt to call on me collect payment I will contact the police to have them removed from my premises and commence harassment proceedings against them, you and your client.

 

Yours sincerely

 

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If you are prepared to follow up on the statement in the last paragraph, then yes. However, you should not make threats you are not prepared to follow through :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If you are prepared to follow up on the statement in the last paragraph, then yes. However, you should not make threats you are not prepared to follow through :)

Hi CB

 

Thanks for the advice but do u think letter would be ok if i deleted the last paragraph

thanks Lisa

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You might want to wait for others to comment, Lisa.

 

YOu say you found the letter on another thread, could you point me in the direction of that thread so I can see if this actually was sent or perhaps just an OP venting frustration. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Lisa, I see that letter was penned by Castlebest so yes, go ahead and send it... all of it, no need to remove the last paragraph:D

 

However, there was also another letter a bit further down penned by Scarlet Pimpernel, at least you have a choice. It also mentions the unlawful penalties so you get your point home.

 

 

 

original quote by Scarlet Pimpernel - post 6

http://www.consumeractiongroup.co.uk/forum/show-post/post-1313530.html

 

 

Dear Sirs,

 

 

Thank you for your letter dated xxxx. I do not acknowledge any debt to you or any company you claim to represent. All communication in this matter must be in writing.

 

I am surprised, not least because you are part of the same company, that your ‘client’ did not let you know that this account is disputed because it consists partly of unfair and/or unlawful penalty charges. Although I have raised a formal complaint and claim against your client, they have refused to deal with it until the forthcoming legal action brought against them and others by the Office of Fair Trading is heard. You will not need to be reminded that the Office of Fair Trading guidelines on Debt Collection states that continuing collection activity whilst a dispute is unresolved is an ‘unfair practice’.

 

In the circumstances I regret that I am unable to assist you further unless your client is willing to resolve the dispute.

 

Take notice that any legal action will be robustly defended and a counterclaim made; I look forward to placing evidence of your client’s attempts at unjust enrichment before a judge. Any further breaches of the OFT guidelines will be reported to the appropriate enforcement authorities.

Edited by citizenB

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Lisa, I see that letter was penned by Castlebest so yes, go ahead and send it... all of it, no need to remove the last paragraph:D

 

However, there was also another letter a bit further down penned by Scarlet Pimpernel, at least you have a choice. It also mentions the unlawful penalties so you get your point home.

 

Hi CB

 

THank you very much i will get that in the post tomorrow

lisa

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  • 2 weeks later...
  • 5 months later...

Hi lisa , welcome back :)

 

What stage is your claim at please ? did you get it into court 'stayed' ?

 

Let's know and we can point you in the right direction .. do not despair ..all is not lost .... :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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