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    • Well, it's good that you have five days before you're supposed to go there, there is time enough to sort things out.  See if Booking.com rear their head tomorrow.
    • It is an interesting Final Notice. Firstly because there is usually a reminder Notice before the final Notice. Secondly because it contains some of the wording that should be in the original PCN [aka Notice to keeper]. It could be that the necessary wording in the NTK is missing so they put it in the Reminder Notice to cover their error. If they have it hasn't worked. But the only wat we will know if you post up the back page of the Notice to keeper along with the other details asked for on Post 8 .  If they have got it wrong it means that they are unable to transfer the liability to pay the PCN from the driver to the keeper . I take it that you are the keeper and not the hirer? And do you know how long you are supposed to stay in that car park? In the past I have found Sainsbury's pretty good at cancelling PCNs for their customers. Take both PCNs in to the store and point out if you are a regular customer and that the driver spent a lot of money in their store and see if they could please do something with the ticket for you. if the manager can't help, then come back and we will give you their Head office and write to them. It is the easiest and quickest way to get the ticket cancelled. No point in appealing since that would mean they lose the chance to make any money out of you which is their whole reason for running the car park. If you cannot get Sainsbury to cancel then we rely on ECP getting things wrong so that you don't have to pay  on a technicality or technicalities. For example if the PCN does not comply with the Act and the keeper is not then liable it makes it difficult for ECP to win should it go to court as so many people are legally able to drive your car and Courts do not accept that the driver and the keeper are the same person. Which is why we do need to see the questionnaire filled in and the rest of the NTK. Also it would be helpful to get photos of the signs in the car park. Ones that can be read by us, and the sign at the entrance as well as the inside ones especially those that are worded differently. Poor signage is another defence that works well and you will  need a good defence should they decide to go to Court.
    • Thanks for answer ref address/bank. Thought it wise to double-check.   When I reply to them as per post #5, what should my reason for dispute be?   " dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation."
    • Alternative is to access the video yourself, upload to YouTube or similar and link back here.  Video will be accessible once you input your details into Wandsworth website: https://parking.wandsworth.gov.uk/pcn  
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Michelle v HSBC


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Do you want to start a new thread in the HSBC question where you will get all the help and support you need.

 

Just a quick check though... have you followed the procedure outlined in this site? Did you send letters recorded delivery? How much are you claiming?

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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I read and re-read countless times all the info on the site. I followed the directions, send recorded delivery and am claiming £1852 for 2 years charges. Sorry didn't realise there was a specific place to post I look after my 10 month old twins all day so my brain has gone to mush a bit lol

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In that case.. if you have followed the steps then you have nothing to worry about! If the 14 days is up then you may need to take court action to get back your bank charges but this is not as intimidating as it sounds.

 

As mentioned, if you find the HSBC forum on the main page, you will find a lot more people in the same situation as you.

 

Good luck :)

  • Confused 1

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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I have only banked with HSBC for just over 2 years and during this time I felt their charges, totalling almost £1900, were unfair to say the least but had no idea they were unlawful. Sat eating my toast watching GMTV I heard them talking about people reclaiming charges so I of course turned up the volume.

The advice given was fairly basic but after spending a few days readind anything and everything on this site I decided to go for it.

I sent my prelim 3 weeks ago recorded delivery and today sent them the LBA. I waited 3 weeks as I felt it would give them 15 clear working days to respond. Why I did this though when they ring me on weekends, bank holidays and in the evening asking me to pay money in to cover charges they are about to take is beyond me.

They haven't even had the decency to send me a message via internet banking. I must admit though I am a little scared by the prospect of potentially having to go to court but i guess at the end of the day what they have done is against the law and you wouldn't think twice about taking someone to court that had stolen your purse would you?!

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dont panic, people are here to help you, if you need reassurance , come here and get it, dont be scared about going to court, for one thing no-one from hsbc has gone to court yet , but secondly, YOU are in the right and the bank knows this, you have them by their tail, and they want to escape, they will try and fob you off , and tell you, that you cant win, dont listen to them, stick to your timetable, and follow the steps, and you'll get your money :)

  • Confused 2

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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:) Hi Michelle, looks like we are both starting our campaigns together ( albeit you are slightly ahead of me having sent in your first letter). I shall look out to see how you get on and i am happy to share my journey with you as well.
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It's a little bit daunting I thought although once I'd sent my first letter I couldn't help but feel pleased with myself. Please do keep me informed as to the stage of your claim as I will with you

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:confused: Hi folks, can i double check something before i commit pen to paper- i have gone through my statements over past 5 years ( still a few to track down) and i have a list of 'charges'. Now some are marked as charges for returned direct debits, uncleared cheques; others are the monthly 'bank services' which range between 54, 72, and 125 per month related to my overdraft. The overall total thus far is 2253. can i just get some clarity - am i claiming for all of this or just those items labelled as 'charge' for failed cheques, unpaid direct debits etc?

 

thanks

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just to clarify total charges is for o/d exceeding and is charged per day they add all these up at the end of the month, and are seperate from other charges

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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I got all my copy statments from online banking and sent a prelim letter to my bank with a schedule of charges attached for their information. After waiting 3 weeks to ensure they had 14 clear working days to deal with my letter I hadn't heard anything so I then sent the LBA again attaching the charges sheet. Today I received a letter from them which reads :

 

Thank you for your request with regard to information about charges and fees on your account for the last 6 years and please accept our aplologies for the delay in our response.

 

We note you do not want copy statements, however this is the only format in which the bank holds the information you require. For this reason duplicate statements have been ordered on all your accounts, including your credit card.

 

Yours blah blah

 

Firstly is this just a standard letter? My reason for thinking this is I have only held the account for just over 2 years and I don't have a credit card.

 

What do I do now I'm really confused. :confused:

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i requested my statements through online banking, they sent me the exact same letter as you, and i dont have a credit card with them either, this is just s standard letter im sure, if i were you i would just ignore this letter and stick to your timetable

 

i received a letter a few days later saying that they had looked into my case......not unlawful.....terms and conditions etc etc. also said that i had not quantified my claim with a list of charges (no because i had just requested my statements and stated my intention) they said they could not prepare my claim fo rme and would take no further action.

have recieved my statements and calculated £610 charges, not including interest as i cant be bothered to work out how much of it was me going over my od and how much was their charges making me go over my od.

anyway,im sending my prelim soon, hope to do it by email, check out my post if you think you can help me:

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/16923-need-some-guidance.html

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Just want to mention this is exactly what I received. A few weeks later I received about 30 envelopes with the statements for the last 6 years!!!! Yikes!!!

 

I am now in the process of entering it into Microsoft Money as well as working what the charges they have added

 

So, yeah, you will receive your statements. Personally think this is to scare people off. I am going to work the charges out myself and send my 2nd letter

 

Thanks

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I am so confused :confused: I got all my statments from my online banking facility worked out all the charges and sent the prelim and schedule of charges recorded delivery. After 3 weeks I heard nothing so I sent the LBA again rec del. The following day I got a letter in the post saying the only way they can give me info on charges is via my statements which they would duly send me. I received all of these in the post today but am unsure what to do as I have already worked out my charges and sent 2 letters. They have a week left before the LBA deadline is reached. HELP!!

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It looks likes letters are crossing in the post

From your post you have all your statements

1.You sent prelimary request for refund

2.After 14 days you send LBA

If sent recorded delivery have they been signed for?

I would continue with you deadlines and issue proceeding if they have not responded in a timely manner as you have already given them 28 days

Lloyds TSB - N1 claim issued 18/07/06 - £3440 Offered unconditional settlement 23/08/06

Vodafone-Information Commisioner assessment -default removal -25/07/06

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Three threads merged - please stick to one thread!

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.

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