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    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
    • Unpaid wages should be pretty straightforward if you did the work. Don't be intimidated. You need only show you were due money, and did not get money.   The risk is that they have no money to pay you (and legal fees) - frankly a solicitor maybe be costing them more than your claim is for and I might have expected them to make a commercial decision to settle before this point regardless of the merits of the case.
    • Thanks so much FTMDave.  This is so much better   I'm still tempted to leave the blue section in is as if I lose it will at least save me a little bit of money.  But I get your point that it's pretty superfluous.   Thinking I'll get this in the post on Monday unless you think it's worth delaying?   
    • Hi All I have now received a Final Reminder, which I have attached. Can you confirm that I should still ignore this letter and take no further action. It does not appear to say "Letter of Claim" anywhere on the document but I just wanted to check with you all. Many thanks FightUnfairParkingTickets Parking Charge Final Reminder issued 29th May 2024.pdf
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HSBC illegal withdrawals from my premier account?


regmcm
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Hi there

 

I have a premier account with the HSBC and also an unsecured loan. My loan payments used to come out on the 3rd of every month. Last month i was struggling and moved the payment (on the advice of HSBC!) to the 28th of the month giving me almost a full months grace.

 

On the 15th August i checked my account and found that it was £409 light (the exact amount of my Loan repayment) The loans department had just taken the money out of my premier account with no warning! (no letter no phone call)

 

When i called to complain ( Call center in India but lets leave that for now) i was told that there was nothing they could do as i was in arrears with my loan! I gently explained that i was NOT in arrears but had moved the payment day on the banks advice and that the payment would be made on the 28th (still within the calender month)

 

After going through 2 supervisors and an hour on the phone they reluctantly re payed the money but then explained that the DD had not been set up for the 28th. They now couldnt set this up as i was technically "late" with the payment so i asked them to set up a manual payment for the 28th which they did and then set up the DD to come out on the 28th of the following month.

 

(hope you are still with me it gets better!)

 

A week later and i have around £150 left in my account with my salary going to be paid in 3 days time. I take my girlfriend for a meal ,bill comes to around £60.i present my debit card but its refused. As you can imagine i was more than embarressed and had to apologise asmy girlfriend had to pay the bill.

 

I Check my balance and low and behold the Loans department have yet again taken £130 of my £150 to pay my loan !!!! As you can imagine i am hopping mad! The Manual payment is due to come out in 3 days time and they have taken virtually every penny i had left in my account with no warning!!!!

 

I call custerm services and repeat the process above - taking another hour of my life and am told i will get a letter of apology. (im still waiting)

 

I double check the the DD is set up for the 28th of September, which it is, and calm down a little.

 

Its now Saturday the 27th September - My Dd is due to come out on Monday all is well. Untill i check my bank account and find out that it is £409 light.

 

YES THEY HAVE DONE IT AGAIN!!!!!!!

 

Another call to Bombay - another hour wasted but this time after i complain that i cannot understand a word "James" is saying he terminates the call!

 

Thats it - i have had it with them i am heading into the local branch on Monday and my account is getting Tranfered to the Abbey.

 

What are my rights here? surely they cannot just move money without informing me? especially as i am not even behind with payments? Do i have a right to claim compensation for the emabarrasment they have put me through?

 

Any thoughts would be most welcome!

 

REG

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I think you need to stop wasting phone calls and write to the bank and ask for an explanation to this. The saturday thing is easy to explain, any money going in or out of the account over the weekend will always show on the Saturday and will have an affect on the balance either in your favour or against.

Write to the bank and ask for a explanation then post on here.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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hi

 

thanks for the advice - i will be going in in person and asking for a written explanation.

 

the money came out on Friday - not Saturday and it was a manual transfer not the DD. That is due to come out on Monday.

 

Cheers

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Hello and Welcome, regmcm.

 

I'll move this thread to the HSBC Forum, hopefully you'll get help in there.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

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Reg it mightbe worth considering a parachute account.....have your salary paid into that and only put enough in theother account to service any dd 's or so.....

 

also if memeory serves me correct they charge you a fee every month for that account?

 

would send a very strong letter of complaint in writing and also take ti to the FSA....

 

make sure you tell them of the position they left you in with regards resturant.... good luck

rockin all over the world

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