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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Me V HSBC


Hasselhoof
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  • 4 weeks later...
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Hi Guys

Latest update

 

Just received a letter from HSBC informing me (in short, though it was a 3 page letter) that they consider the matter closed.

 

In response you have stated that although the charges could not be assessed under regulation 6(2)b of the UTCCRs they are not precluded from assessment under regulation 5(1) of the UTCCRs.

 

The Office of Fair Trading, which brought the bank charges test case against various banks have challenged informal overdraft charges on two grounds, namely that@ (a) they constitute penalties at common law; and (b) they are unfair under regulation 5(1) of the UTCCRs on the basis that they are too high. As has now been definitively determined, neither of these two challenges is open to the OFT or consumers.

 

The rest is more or less waffle.

 

The question is where do I stand?

 

Rich

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Hiya Hasselhoof :) what do you mean the rest is waffle.. its all waffle!!!

 

Just received a letter from HSBC informing me (in short, though it was a 3 page letter) that they consider the matter closed.

 

They would love it to be closed but they are wrong :rolleyes:

 

In response you have stated that although the charges could not be assessed under regulation 6(2)b of the UTCCRs they are not precluded from assessment under regulation 5(1) of the UTCCRs.

 

The Office of Fair Trading, which brought the bank charges test case against various banks have challenged informal overdraft charges on two grounds, namely that@ (a) they constitute penalties at common law; and (b) they are unfair under regulation 5(1) of the UTCCRs on the basis that they are too high. As has now been definitively determined, neither of these two challenges is open to the OFT or consumers.

 

Totaly wrong, the legal arguments that should have been addressed by the test case eventually disseminated to the issue of the correct interpretation (in its European context) and application of Regulation 6(2) of the Unfair Terms in Consumer Contracts Regulations 1999 SI 1999/2083 (“the 1999 Regulations”)Regulation 5(1) was never addressed.

 

Write back and tell them they are wrong, you can even quote Lord Phillips who stated in the test case appeal judgment (somwhere around paragraph 80 - 90 I think) that he considered clause 5(1) could be used.

 

pete

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sorry to hijack the thread hasselhoof..... but hi to castle and johnny - long time no hear eh, just passing thru the site to see what's going on these days and delighted to see that you are both still here as helpful and dedicated as ever - power to you both mwah x nettyg aka perky ;)

If i've been helpful in any way....then tip my scales over there!

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Hi All

 

Trying to work out my response to the letter from HSBC, the more I think about it, especially with the news today about the banks getting their hands slapped for the complaints procedure. The bank lied to me in their letter as I understand it, do you think it's worth writing to the FSA or the FOS in regard to this with a copy of the HSBC letter pointing out the lie and requesting their assistance in the case etc?

 

On a side note how are the new court strategies coming along? Holding HSBC off at the moment but would love to take them to court.

 

Rich

 

PS ignore my grammatical errors, only had 4 hours sleep

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Thought I'd include a first draft of my proposed letter, what do you think?

 

**

Dear Susan Loker

 

Thank you for your letter dated 19th April 2010, Having read the judgemnt of the court I’m sorry to inform you that the information you provided in your letter is not correct. I will quote the judgement here for your information

 

Issues before the judge

 

8. As already indicated, the principal issue before the judge was whether the OFT is entitled to carry out an assessment of the fairness of the Relevant Charges. It is not in dispute that it is for the Banks to show that the case falls within regulation 6(2)(b) of the 1999 Regulations. At [33] of his judgment the judge identified the first question as being whether assessment of fairness is prohibited because it would “relate … to the adequacy of the price or remuneration, as against the goods or services supplied in exchange” within the meaning of regulation 6(2)(b) of the 1999 Regulations. In this connection he identified the third question as being whether, if and in so far as regulation 6(2) applies, the protection afforded to the Banks is that the particular term is not to be assessed for fairness (the ‘excluded term’ construction) or whether the Banks are protected against a particular type of assessment (the ‘excluded assessment’ construction).

 

9. However, he also considered (among other things) whether specific contractual terms are in “plain intelligible language” and whether any of the terms giving rise to charges is a penalty at common law: see the second question identified at [33] and [35].

 

As you can see no mention is made in regard to regulation 5(1) of the UTCCRs in this. Lord Phillips indicated in his summing up that this finding did not preclude the use of 5(1).

I’m not sure whether your letter was a mistake or an intentional attempt to force me to drop my complaint, however I will be copying this letter as well as copies of your letter to the FOS and FSA as part of a complaint regarding your handling of my complaint.

 

**

 

Thanks again

Rich

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  • 2 months later...

Hi All

 

Latest developments.

On 15th June I received a red final demand from wescot to pay up, so I phoned and informed them that the case was still in court and that nothing could happen until that was sorted. They informed me that if I didn't pay they would send collection personnel to my door, I said I would have them arrested if they tried to step inside, etc. They said they would start court proceedings against me. So I told them that that would not proceed as my case was already there, they then said that they had been informed by their client (HSBC) that they had won and I has to pay up. The conversation went no further.

 

This had me worried though, so I trotted down the the court and asked there, the last action of any type on the case was my letter in April informing the court that I still wished to pursue the case but in light of the test case I would like to amend the case. Before this the last action was the stay in 2007.

 

Today I received a letter from wescot's solicitors telling me that if I didn't pay within 10 days I would be taken to court and to contact wescot to arrange payment, so I called wescot and told them that I had been to the court and the case was still active etc and that if they attempted to take me to court they would run smack into my case that was already there.

 

I know I'm right in this, I was just wondering if there might be a case for harrasment in here somewhere? And is there any news on the amendments to court case that I need to amend my case and get this finished?

 

Rich

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Hiya Rich :) they used Moorcroft against me and I sent them this :D

 

Moorcroft Debt Recovery Limited

PO Box No 17

2 Spring Gardens

Stockport

SK1 4AJ

Dear Mr Martin

My account with HSBC Bank Plc

Account number xxxxxx-xxxxxxxx Outstanding Balance £ xxx.xx

Moorcroft Reference xxxxxxxxxxxxxx

 

NOTICE OF LITIGATION ALREADY IN PROGRESS

COUNTY COURT CLAIM NUMBER XXXXXXXX

 

I acknowledge receipt of your letter dated 28th September 2009 and again confirm to you the debt you have been instructed to recover is already the subject of my own County Court Claim No XXXXXXXXX against your client.

Your own proposed litigation against me is totally pointless and any costs you incur proceeding with this action will be your own responsibility as you are not a party to the litigation that is already in progress.

I suggest you refer back to your client or their legal representatives DG Solicitors who are fully aware of the current situation before you waste any of your own money in futile litigation.

Luv and Kisses

Castlebest

Cc

DG Solicitors

12 Calthorpe Road

Edgbaston

Birmingham

B15 1QZ

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  • 10 months later...

Hi Guys

 

Need some advice, just had a letter from the court stating my case will be struck out as there is no power under 6(2)b of the Unfair Contract Terms in Consumer Contracts Regulations 1999 to assess the fairness of those charges. I need to know what grounds can I fight them, i.e. what amendments do I need to make to fight them and what grounds do I use? And is it worth fighting or shall I just throw in the towel now?

 

Thanks in advance

 

Richard.

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