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    • I have a feeling you have a LOC on the way, from those lovely people at ALLIANCE PARKING. We got one a few weeks back for the same NTK date and location as yours .. 🤬
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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
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Never signed agreement! ** WON**


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Received a final demand letter from Metropolitan Credit Services on Friday, rang them immediately and informed them i was recording the call, even though i wasnt. I told them that this account was still in dispute and until the dispute was sorted they have no right to chase this money. I also informed them that I had yet to recieve a response from HSBC after my CCA request and that they have until 20/11/08 to do so. MCS said they would now put this account on hold again as "theres not really much we can do with it at the moment in the present circumstances"...It felt great being in total control with them.

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Well done mike, that's sorted them out! :)

 

As HSBC's collection agency, I think they just trawl the database to find cases they can chase for money:rolleyes:..... a lot of people will cough up, because they don't know any better ......... Knowledge is power / control.... as you've just found out - :D.

They'll probably just refer it back to HSBC proper, or flag it - 'this guy knows the game, leave him alone .........' LOL!

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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Let the games begin..................:D

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Good morning everyone!, I have still not received a reply from HSBC after my CCA request which was posted on 3/11/08 (received and signed by them on 04/11/08.what is the best course of action to take now?, do i wait another few days to see if anything comes through?, Do i now inform the organisations that i told them i would if they did not comply?

Edited by mike77
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Hi Mike ,

I'd say if you don't get anything in Monday's post you've given them long enough .

Complain to FOS and let HSBC know you've done it .......

 

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

 

This may spark a reaction from them if they know you're serious..... :D

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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  • 2 weeks later...

hello again, I have now informed the financial ombudsmen that HSBC have not replied to my CCA request, they received my second request on 4th Nov 08 so the time has now well and truly passed!, i had originally contacted the FOS on 26/09/08 to log the complaint against HSBC so now the 8 week time period has passed and so i have returned the complaint form to FOS, i have informed HSBC what i have done. I did this by ringing them and i was told that the local branch are still trying to locate my agreement. shall i put something in writing to HSBC or shall i wait to see what the FOS do?

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Hi mike ,

 

Well done on informing FOS ........ I would say write to HSBC , telling them you've re-started your complaint the Ombudsman about their lack of compliance ......

 

I wouldn't bother with the local branch , send it Recorded Delivery to :

 

HSBC Bank Plc

Service Quality Team

Arlington Business Centre

Millshaw Park Lane

Leeds

LS11 0PP

 

Telephone contact with the bank is futile, they don't listen and you have no record of the conversation .....

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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Cheers Johnny, Ill get something put in writing now informing them.....was kinda funny when i was told the local branch were "still trying to locate my agreement".... if it aint on my file then where else do they look!!!!! top of filing cabinets??? under desks????..maybe i should volunteer my services for a day and give them a hand searching for it!!!

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:D

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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Hello again!, i informed HSBC in writing that the Financial Ombudsman have been informed about the failed CCA request, on friday 5/12/08 i received a response from HSBC, unfortunately i don't have access to a scanner so unable to show on here exactly what i was sent, but basically it was a few pages of the terms of the agreement from the managed loan but the page where i would sign was missing. I know that telephone calls are not recommended on here but i phoned HSBC straight away and told them they have not supplied me with all the details and they informed me they would re-open the request. I have just rang them again now to confirm they did this and was assured they have requested the full details again. i was wondering if it would be worth my while sending them another letter asking them outright if they have the signed agreement in their posession at all? (i know for a fact they do not as i never signed one), so rather than them trying to fob me off continually sending me the wrong info thought this course of action may be best. was wondering if anyone thought that asking them for a simple "yes or no" answer was worth doing. I suppose if i have something in writing from them confirming they dont have it then this would be worth its weight in "annual interest charges under a managed loan" (i think these charges are considerably more than gold)

Edited by mike77
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Hiya Mike, the reason we say don't phone them is because of the number of times these phone calls have been denied at a later date.

 

I would write confirming your conversation and confirm the name of the person you spoke to if you have one, at least their promise will be on record then :)

 

pete

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Hey there Freddy, was kinda hoping she would ring me but as yet nothing! ha.

 

Anyway i sent HSBC a letter on 10/12/08 telling them that they have yet to provide me with a copy of the original signed agreement and if they do not send it in 14 days then i will assume that they no longer have it (they dont....i know everyones probably sick of me saying it but i never signed one) i pretty much used the template that rory32 suggested on page one on this thread. I just altered it a little and deleted bits here and there to suit my particular case.

 

Ive also had a letter from the financial ombudsman saying they will look into my complaint and in around 2 months time they will be able to have an adjudicator look at it and decide an outcome.... does anyone think it best if for the moment i let the FOS decide or am i still ok to go ahead and fight HSBC at the same time? Would the FOS decide in my favour purely on the basis of there not being a signed agreement?

 

Im actually starting to bore myself now im waffling that much! It really was a rough weekend!!

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Hi Mike

 

does anyone think it best if for the moment i let the FOS decide

or am i still ok to go ahead and fight HSBC at the same time?

 

A double -pronged attack might get results , especially if , as you say , they can't back it up with a signed agreement ........ point out that your case is with FOS and suggest it might save FOS and the court's time if they just admitted their lack of a document and gave in ....... :)

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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Yep, there's no harm in giving them a wee prod ;)

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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  • 3 weeks later...

Hello again everyone!, Happy new year and all that jazz.

I sent a letter to HSBC as i said i would stating they have still not complied with my CCA request and i now required them to zero the account and remove the default. well i finally got a letter back from them stating that they are preparing for their response to the FOS (as the eight weeks has passed since i first logged my complaint with them). HSBC say they are now going to await what the FOS says and that they will abide by any decision they make.

Does anyone know if the FOS would find in my favour purely on the basis that there is no signed agreement? obviously im sure HSBC can detail what loans ive had and show transactions to prove it but is the absence of a signed agreement totally damning for them?

Edited by mike77
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Does anyone know if the FOS would find in my favour purely on the basis that there is no signed agreement? obviously im sure HSBC can detail what loans ive had and show transactions to prove it but is the absence of a signed agreement totally damning for them?

 

Hiya Mike, I don't think anyone can predict that because it will be up to the particular officer of the FOS on the particular day he decides :cool:.

 

pete

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Its unlikely I'm afraid - it seems to be FOS policy to say that unenforceability is for the courts to determine not them:roll: Still its cost them £450 for FOS to look at complaint:D

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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ok thank you, so if the FOS do say it is not upto them to decide if the account is unenforceable and that would be the courts job, if i then took it to court is it likely the courts would find in my favour?, i know this is all ifs and buts but without a signed agreement there is nothing in black and white saying i committed to it.

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  • 2 weeks later...

Hello again people!, Ive spoken to the FOS again recently to ask if there is any further information on when they can look at my complaint and the answer is still "it will probably be a few months before we look at it"... after hearing that the FOS are unlikely to find in my favour from previous posts I'm beginning to wonder what the whole point of going to them is.

Does anyone think it would be a good idea to just go down the court proceedings route and drop FOS out of the equation.

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Difficult to advise on this mike - to borrow from what pete says in #44.... I don't think you can predict which way any particular judge will jump either......

 

You could try brinkmanship and take them down the court road , but if, as they say, they are waiting for FOS to spark - that may not prompt them into settling out of court ........ ?

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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Hello again everyone. Just sent off a letter to the HSBC asking for them to re-assess their stance. I know that they are waiting for the FOS to decide on the case but just thought id give them one more chance to wipe the slate clean. I also advised that should the FOS reach a decision that is not satisfactory to myself then i will be issuing court proceedings. Just thought id let them know that i'm well aware that it is "they" that have to abide by what the FOS say, and not "me". I know its a long shot but as long as they know i'm prepared to take this all the way then its worth it!, by the way does anybody know of a case where there has not been a signed agreement yet the bank won in court?

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  • 2 weeks later...

Hello again everyone, had a letter from the Financial Ombudsman the other day to say my case has now been assigned to an adjudicator to look at and that if i have any more information that may be helpful i should tell them now. Just rang them and reiterated that not only did i not sign an agreement but i was never even shown one at all. HSBC did not attempt to take any repayments from me and the only contact i had from them about the loan was 16 months later when they advised the account would default in 28 days time. So now i suppose its only a matter of weeks before they come to a decision. I just hope i have a sympathetic adjudicator!

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