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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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Scott V's HSBC 6th July 2006 Charges , any Advice?


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Hello,

 

I called my bank about 30 days ago and asked for 6 years worth of statements which I got on the 4th July, I calculated that over the period it all adds up to £2765.50.

 

I am going to send Head Office a letter and wondered if there were good templates that would provoke the least amount of correpondance and be effective in getting the charges back... I worked out the 8 % interest you can claim equals £663.00, would I ask for this in my letter before action?

 

Also are there any good contacts?

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Hello,

 

I called my bank about 30 days ago and asked for 6 years worth of statements which I got on the 4th July, I calculated that over the period it all adds up to £2765.50.

 

I am going to send Head Office a letter and wondered if there were good templates that would provoke the least amount of correpondance and be effective in getting the charges back... I worked out the 8 % interest you can claim equals £663.00, would I ask for this in my letter before action?

 

Also are there any good contacts?

 

hello mate and welcome, make sure you read the faq'shttp://http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ and the templates for letters are here

thehttp://http://www.consumeractiongroup.co.uk/forum/bank-templates-library

 

you can't add the intrest unless it goes to court

 

any more questions just ask

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Hi

 

I sent my prelim letter to mr phil beaumont in Leeds (full contact details at begining of HSBC forum). I enclosed photocpoies of my statements where charges had been levied, as well as a copy of my schedule of charges...that way he will have all the information he requires to hand and can't stall! ;)

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Thanks for that, I think I'm going to send my letters to:-

 

Mr Alan Pretty

Senior Service Quality Officer

HSBC Bank Plc

Arlington Business Centre

Millshaw Park Lane

Leeds

LS11 0PP

People have been successful and it's the right place for the letter to go to.

Your links didn't work by the way...

I've got 2 letters that I coulkd send... one is which a guy got refunded straight away using this:-

Dear Sir,

 

It has been brought to my attention that your bank charges are illegal.

Therefore please refund to my account ( sort code) ( account Number) all charges without undue delay.

 

I feel very strongly about this breach of the rules by your bank. I will give you fourteen days to accomplish this task before seeking legal advice.

 

Yours Faithfully

 

(Name)

 

Signed.

the 2nd is a bit long and is open to discussions and debates and invites numerous letters I think which is what I don't want...

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

 

 

Yours faithfully,

 

[name]

 

Does anybody have any better letters or advice?

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the reason the 2nd one is so long , is simply that it removes any loopholes or technicalities, that the bank may try to use to not give you your money, trust me its better to stick to the method which has been proved by over 1000 people so far

  • Confused 1

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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well done on getting your claim started. Dont expect anything from your first letter to alan pretty, i havent so just sent my LBA .

But stick to your guns.:-)

 

I have given him 14 days to respond before threatening with proceedings so hopefully we will see from there.... the next letter with be more aggressive...

Thanks for the warning though...

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the reason the 2nd one is so long , is simply that it removes any loopholes or technicalities, that the bank may try to use to not give you your money, trust me its better to stick to the method which has been proved by over 1000 people so far

 

Thanks for the advice...

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In the first letter you say:

It has been brought to my attention that your bank charges are illegal.

It may seem a small thing and I must admit to still being a bit confused by the difference, the charges are not illegal, but they are unlawful.

 

Neil.

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Hello, you are right actually, but I have combined the 2 letters together and made a letter using good parts from each... I do remember that I did keep the illegal but then went on to say how unlawful they were.... I think they will get the Jist of it and hopefully will get a reply in the next 2 weeks...

 

We will wait to hear...

 

Can anyone message me who was succesfull and who the contact was? also how long it took and how many letters later?

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sent all my correspondance to customer services dept in leeds, took about 5 weeks from preliminary to money in my account

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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Gonna take the money as im really skint at the mo as ive seperated from my husband and waiting to sell my house so its a massive bonus to us. But i still celebrated sat nite,and now alot of my friends are gonna get there charges back from their bank as they all been waiting to see how i did,and if they get stuck gonna give them a hand.

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Gonna take the money as im really skint at the mo as ive seperated from my husband and waiting to sell my house so its a massive bonus to us. But i still celebrated sat nite,and now alot of my friends are gonna get there charges back from their bank as they all been waiting to see how i did,and if they get stuck gonna give them a hand.

 

I'm the same, everyones waiting to see how I go... so they only send you one letter and that was to offer you money?

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There is an article in today’s financial section of the Daily Mail which indicates that there is to be a case heard in the high court about the bank charges issue and many banks are waiting for the verdict before taking any action. Can anybody tell me what this says...? I don't like the sound if it....

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you're not the only one to have asked about this, i will find out all the details, however, keep an eye on the general section just incase

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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There is an article in today’s financial section of the Daily Mail which indicates that there is to be a case heard in the high court about the bank charges issue and many banks are waiting for the verdict before taking any action. Can anybody tell me what this says...? I don't like the sound if it....

There is a link in the general section on page 9 of bank court claim cancelled....

Basically just stating that a few courts have stayed..(not all)and not much else other than more speculation...

 

(I am panicing as HSBC have just offered me nearly £2000, aggghhh want to grab and run....but should hold on till end.....but then the rumours of ......oh no...head in turmoil!!)

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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