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    • Hi.   I agree with Dave on which way to go with this. I know you're new to all of it but it's worth more research to see how PPCs behave, if NCP have made any errors and so on.   HB
    • Well, it's up to you, but I would consider two things.   1.  If you wanted to give in, the time to give in would have been at the start.  They're now suing you and if you pay now you'll have to pay their costs, and if it goes to a court case and you lose you'll have to pay their costs, so in a sense you might as well continue the fight.   2.  Although you were "in the wrong", it's perfectly possible that NCP don't have planning permission or sent out their demand too late, or will simply discontinue if you put in a robust Witness Statement.   Meanwhile I've tweaked the defence a bit, see if others agree or disagree.   1.  It is denied that the Claimant entered into a contract with the Defendant, or broke any such contract.   2.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was only contracted to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. The proper Claimant is the landowner.   3.  It is denied that the Claimant has complied with Schedule 4, Protection of Freedoms Act 2012 to establish keeper liability.   4.  I believe that the claimant did not obtain planning permission granted for signage etc under the Town and Country Planning Act 2007.   5.  The Defendant has added additional amounts to the claim to try to circumvent limits on legal costs in an abuse of court procedure.  
    • I ordered a new computer last week online and it was faulty so had it replaced yesterday. This was also faulty so I had another replacement sent out today!   While I was negotiation either a refund or a replacement they asked me if I wanted to order a different one, so I had a look around the website but couldn't decide in the time I had so I just went for another one the same.   The delivery guy just turned up to take away the old one with a replacement AND the alternative one I was looking at!   So I took both anyway, because I'm still actually in two minds as to whether I want to stick with the original computer or go with the alternative, which might be more reliable because it's a more established company.   They didn't ask me for any credit card details so as far as I am aware so far they won't have charged me for the extra computer. Would they need to take my details again or would it go through automatically?   Am I within my rights to keep both if they've made a mistake and don't charge me?   I don't want to come across as dishonest, but well:   1. I've spent the past week setting up two computers, trying to fix things only to end up having to go through it all again today and this has been a huge waste of my time and a lot of stress (time is money) 2. I decided to just take both primarilly because I saw the box for the alternative and it looked nice and I thought I could just take both anyway and then decide which one to open and keep (because I'm guessing if I have been charged both to my card and I open both then I've got no legs on so far as a return is concerned)   Anyone got any consumer advice on what legs I have to stand on and what I should or should not do at this point?
    • Around the time I used that carpark quite frequently and would always pay on the App. I don't often carry change and the pay machines there were notorious for not connecting for card payments - NCP always blamed Vodafone's coverage.     If my dates are correct, I had a new staff member with me on that day and we were headed for lunch. I was also in a hire car. As the hire car wasn't registered to the parking App I think it's highly likely I intended to pay for the parking when sat down for lunch but ultimately failed to do so.
    • I imagine there must be some book somewhere which describes exactly what each particular service interval should comprise. Are you able to get hold of that?
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HSBC vs JK


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Hello eveyone.

 

Pleased to meet some other HSBC customers.

 

I have found this bank to be unhelpful, unsympathetic and as un'local' as it gets so best of luck to all those claiming something back!

 

I am about to send my preliminary approach for repayment letter and have one question i cannot find the answer to in the faq's or this forum.

 

On my statements, my charges are listed as 'Total charges to {date}.'

This refers to a monthly period (2 months previous I think).

 

I cannot therefore breakdown the amount into charges and interest on charges.

If I include one total amount in my letter will this affect the bank's consideration of my claim.

 

Any help is much appreciated.

 

jk

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hello and welcome to CAG/BAG in reference to your question , total charges refers to a daily charge for being over your overdraft limit they can charge you up to 5 days in a month (might be 6 im not sure), so for every day they add up the charges in that month and call them total charges at the end, they are not the total of all charges in that month, but rather a seperate charge alltogether, so you can claim these on top of your other charges

  • 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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hello there.

 

thanks for taking the time to reply..

 

sorry (more questions) im now a little confused. my statements (both online and in hard copy) do not detail specific charges and reasons i.e withdrawal with insufficient funds, they only include this 'total charges' amount for monthly periods. This ranges from £20 to £125.

I did request that HSBC supply me with a specific instances of my charges but they said this would cost £30 in 'staff resources.'

Are other cutomers able to see more detail on their statements?

 

I wonder if the bank is omitting these details deliberately to avoid possible claims being made?

 

If there are additional charges I cannot see I will pay the £30 if necessary, although I was under the impression £10 was the requirement under the DPA.

 

again any info is appreciated.

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hsbc wont be witholding any information , you can be sure that they dont want that kind of problem, because that would be much more serious than paying out a couple of million in claims.

 

is it that you know you had a specific charge at one time, but its not reflected on your statements?, or is it that you thought there would be more 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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HSBC don't list the individual charges - they stopped doing that a few years ago. It will just say 'Total Charges' - everyone's statements are the same.

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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what i've noticed on the preliminary approach for repayment letter is that there are two amounts to fill in...

 

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

 

I can only calulate one figure as all neither specific charges nor overdraft interest appear on my statements.

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HSBC don't list the individual charges - they stopped doing that a few years ago. It will just say 'Total Charges' - everyone's statements are the same.

 

on my statements , up to and including may this year, the total charges were seperate to other charges, for returned items etc

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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on my statements , up to and including may this year, the total charges were seperate to other charges, for returned items etc

 

So the same charges are listed twice?

 

On my statements they used to list the charges individually, but then they stopped doing that and started listing them as 'Total Charges' instead.

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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no, the same charges aren't listed twice, they are different charges, for example, in one month i had a charge for card mis-use £30 and one for returned direct debit £30, but i also had a total charges of £27.50, i queried this and found out that the total charges is for exceeding your overdraft limit, and its calculated on a per day basis, up to a maximum of 5/6 days in a month or capped at about £125 i think, its then totalled up at the end of the month, seperately

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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Yes, I had lots ot "Total Charges £125" as well as "card mis-use £30" etc

Just add them ALL up, and claim for them all back.

 

For each month, if you had charges. did you also incur interest?

You can claim some of this interest back...(its really complicated as interest is charged on a daily rate..) but there is a spraed sheet on here that attempts to give a fair estimate.

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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it just so happens hedge that ive made a post about that, please dont reply as im going to have it sticked

 

looky

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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