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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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Who has had Managed Loans?


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HI and welcome first as i have always said that you will get a lot of good advice on here,we are all trying to get our charges back from this dreaded loan which has caused me a lot of heartache,i went to cab to if there was anything i could do, so go and have a word with them to put you in the right direction how much was you loan for?well i will let others help you now,you cant have much to live on if you are paying that amount i think HSBC has got a lot to answer for they just make my blood boil,keep your chin up we are here to help

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Well, I must be the biggest mug here...

 

I'm on my second Managed Loan with these guys, I was told at the time that this was my only option available (my 2nd loan) as I had a poor credit rating and would be unable to get a loan elsewhere and was forced onto this.

 

My first time was when I had returned to being a student and was again given the old, this is your only option as we cannot extend your overdraft any more excuse, I've had charges on my account, PPI missold (when I was on a temporary working contract) however a small amount of this was refunded when taking the managed loan out (I'm going to do a separate post on that later).

 

But today I've asked them if they can convert this to a normal loan and have been advised that because I have recently been turned down for a credit card that I should not try re-applying for 3 months...

 

I don't know what to do with these guys, but rest assured as soon as everything is sorted out I will be heading off to a different bank.

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Hi, skye300801, Andena pointed me in your direction. :)

 

I'm not sure how watertight your Managed Loan agreement is, so I can't really comment on that at the moment. What did strike me was that you were refused Payment Protecton when you asked for it (because you were part-time?)

Were they charging an extra premium for PPI in your loan repayments - if so , you may have a case for mis-selling...........try this link and see if it helps:

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/

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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Hi, would just like to thank everyone, as reading all your post finally pushed me to ring the bank, and unlike many of you they were very helpful (i wonder why), they have suspended my managed loan for 3 months and stopped all interest on it so hopefully can sort somethng out in the next 3 months thanks again for all your help will keep you updated of what happens in next 3 months.

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Hi, would just like to thank everyone, as reading all your post finally pushed me to ring the bank, and unlike many of you they were very helpful (i wonder why), they have suspended my managed loan for 3 months and stopped all interest on it so hopefully can sort somethng out in the next 3 months thanks again for all your help will keep you updated of what happens in next 3 months.
i think they suddenly realised that we are not going to let them get the better of us,great news for you that's what we want to here.:)
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Hey, I'm new to all this, but I've got a managed loan, still owe about £8,000 but have now opened another account with the Halifax cos I just couldn't cope with all the bank charges, about £200 a month for years, so have now defaulted on the loan, they've prob closed the account and chasing me for payment of loan etc, but I've moved. Am thinking of re-claiming my bank charges, but what do you think? Is there any point when I still owe them £8,000 and have just walked away from the account? I don;t know how they expect people to be able to pay their loans and live when they charge ridiculous amounts of money? :p

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Hey, I'm new to all this, but I've got a managed loan, still owe about £8,000 but have now opened another account with the Halifax cos I just couldn't cope with all the bank charges, about £200 a month for years, so have now defaulted on the loan, they've prob closed the account and chasing me for payment of loan etc, but I've moved. Am thinking of re-claiming my bank charges, but what do you think? Is there any point when I still owe them £8,000 and have just walked away from the account? I don;t know how they expect people to be able to pay their loans and live when they charge ridiculous amounts of money? :p
who is the Managed Loan with
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Hey, I'm new to all this, but I've got a managed loan, still owe about £8,000 but have now opened another account with the Halifax cos I just couldn't cope with all the bank charges, about £200 a month for years, so have now defaulted on the loan, they've prob closed the account and chasing me for payment of loan etc, but I've moved. Am thinking of re-claiming my bank charges, but what do you think? Is there any point when I still owe them £8,000 and have just walked away from the account? I don;t know how they expect people to be able to pay their loans and live when they charge ridiculous amounts of money? :p

 

When did the loan start?

Are the charges on a business or personal account?

How much do the charges amount to?

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When did the loan start?

Are the charges on a business or personal account?

How much do the charges amount to?

 

2004, I think, and it's a personal account. Not sure how much charges amount yet. Have literally just started doing something about reclaiming them, i.e joining consumer forum . . .

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Hi Madame , welcome to the forum

 

First of all, you should open up your own thread on the HSBC forum - it'll be easier for people to give you personal advice . You'll get plenty of support on here and we're a friendly lot - so just ask - someone will come up with an answer.............

Just to get you going though try this link:

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

Best of Luck

johnny

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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Am thinking of re-claiming my bank charges, but what do you think? Is there any point when I still owe them £8,000 and have just walked away from the account?

 

This decision is up to you of course, Madame - when you send for a S.A.R - (Subject Access Request) they'll know where you are . But if you have a substantial amount of charges to reclaim it may be worth doing, just to start clearing your financial situation.........

 

Also ,if the actual amount you owe is in dispute , which it will be if you're reclaiming charges , they can't chase you for repayment anyway.

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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Have posted a separate thread under HSBC Bank (apols, not good enough with computers to add in a link). Has anyone here thought of using the new provisions of the Consumer Credit Act 2006 which deal with Unfair Relationships? Provisions come into force for pre-existing contracts on 6 April this year so there's a bit of time to get organised. From the reading of this thread I'm thinking that it may be a way out of these agreements...

 

P.

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If you would like to enlarge on how you see this affecting or benefitting claimants, Principessa - lay it out in a bit more detail and ask a moderator to post it forum-wide (maybe on a sticky)....It'll save you posting on all sites............:)

 

johnny

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 thanks again pete, I hadn't realised there was another thread so close on the same subject ...... :)

 

Makes interesting reading -about time railroaded loans were dealt with.... as with PPI ....it's sad -:( banks used to be institutions you could trust............

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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Trust is a strange word, you have to be very careful with everyone these days and make your own judgment of how much trust to give them. my family have recently fallen out with the family solicitor of many years in a matter of probate, we employed them to give us advice and guide us at a time of personal loss... they failed miserably :mad:

 

you can trust the Mafia just never ever fall out with them :D

 

pete

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I know pete, but these are professional bodies which we should be able to trust........it's part of their code -or used to be.......:mad:

 

I liked your take on the mafia - they'll be round yours in the morning Ha-ha -ha! :D Cement overcoat on the M6 pete? laffin!

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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I have a meeting this week with HSBC regarding my ML.

HSBC would like me to restart an earlier ML because my current ML is not correctly executed....(they have about as much a chance of that happening as me winning the Grand National aboard our lurcher!- and Elvis finishing second on Shergar)

 

So why am I going along? Well I am going to ask them have they included the complete repayment of my ML with compounded interest in the £8.7bn bad loan debt that they have written off.

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HSBC Fiddled - have you already had the non-executed ML judged non-enforceable? I think (again, any moderator who can confirm??) that this new law coming in on 6 April will not allow agreements to be automatically unenforceable...

 

Can anyone tell me if, when I do a SAR letter, I can also get a copy of the original personal loan agreement from 2003 (ie not the managed loan) and copies of my credit card statements that were rolled up into the ML? I can't view the statements on line anymore.

 

Also, another technical one - apols, I am currently out of the UK and my only address for service at the moment would be in Scotland. What does this mean for the choice of court of HSBC? Would it just go to their nearest court to head office? Does this affect me going back 6 years? Will I be limited to the Scots law 5 year limit?

 

Any help appreciated.

 

P.

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HSBC Fiddled - have you already had the non-executed ML judged non-enforceable? No not judged but HSBC accept that the most recent ML is not executed properly. I think (again, any moderator who can confirm??) that this new law coming in on 6 April will not allow agreements to be automatically unenforceable...Does this mean we would have to take court action to make unenforceable?
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I sent of to hsbc for my original M/L in january and have not heard back they had my postal order but have not received my agreement back shall i write to my bank in weymouth, what do you advise please.sorry for butting in.

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Well I am going to ask them have they included the complete repayment of my ML with compounded interest in the £8.7bn bad loan debt that they have written off.

 

Oh dear, HSBCfiddled, if they haven't they'll have to scrape it out of the £12bn which they still made:rolleyes: - obscene or what?.........:mad: :grin:

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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I sent of to hsbc for my original M/L in january and have not heard back they had my postal order but have not received my agreement back shall i write to my bank in weymouth, what do you advise please.sorry for butting in.

 

1. Stop making payments.

2. write to Head office.

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Oh dear, HSBCfiddled, if they haven't they'll have to scrape it out of the £12bn which they still made:rolleyes: - obscene or what?.........:mad: :grin:

 

 

Yeah too right...If it wasnt for the charges they would have been in the red and getting charges from THE BANK OF ENGLAND.:)

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