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    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (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; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
    • totally immaterial. time to now start reading up. Programmable Search Engine (google.com) Clickme^^^ do not miss your defence filing date no matter what dx  
    • Programmable Search Engine CSE.GOOGLE.COM clickme^^
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Pre-notified fees & charges HSBC


kash21
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Thankyou to everyone for this forum! it's really helpful unfortunately I still have a problem, I have got many

 

"PRE-NOTIFIED FEES & CHARGES"

 

after reading the information in this forum, I'm still not sure if I can claim this back!

 

Any help at all would be greatly GREATLY appreciated!

I've checked everywhere and can't find details on these charges

 

Thanks to ANYONE in advance!!!

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Hiya Kash and welcome to the HSBC forum :)

 

Pre notified fees and charges appear on the last page of your monthly statement, it lists everything they will be deducting from your account in the following month and gives you a date when this will happen.

 

All of these fees and charges amount to penalties and therefore can be claimed back :).

 

pete

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Hi Kash ,

 

I told you you'd get a better answer on your own thread ... and pete is one of the best.........:D

 

I'll transfer that link I gave you , it may help in identifying the terms you're looking for, as well as keeping it all on your own thread . :-)

 

Charges description on statements (i.e.what you can claim for

http://consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html

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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  • 1 month later...

Hi there, i wrote an appeal to HSBC around 18 months ago trying to reclaim £1200 worth of penalties from them. Ive recieved a series of letters back from them but nothing since May 2008 when i was told that they would be appealing a decision made against them in the courts. Does anyone have any new info on this and whether i'll ever be entitled to that money?

 

Cheers all, Richard

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Hi Richard , welcome back ........ :)

 

They've done this with countless people , virtually trying to head them off from taking further action ..... they ARE waiting for the courts, but so are we all .

 

The general advice on this site is to get your claim to the 'Lodged in Court' stage . It will be 'stayed because of the OFT Test Case , but t least it earns 8% interest while it's waiting , and it puts your account definitely 'InDispute' so they can't mess about with it .

 

They can still add charges but they won't chase you for them because they'll come up against your counter-claim ....... and when the court eventually makes it's decision - we firmly believe we'll all be in the payout queue......: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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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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  • 4 years later...

Hi

 

For the last year I have been charged pre-notified charges of between £100 and £150 a month. EVERY month. And it is ALWAYS when there is no money in my account. They know this, as I am on benefits and no the exact dates I am paid.

So they then make me £150 over drawn every month so the following month i then get recharged £100 - £150 a month. What can I do? I have spoke to HSBC who told me that I shouldn't go over drawn but the only time i do is when they take these charges, I have two children under 5 and im a single mum I don't have £100+ a month to just give to hsbc :!::evil:

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You used to be able to claim these back if you were in "hardship" (sounds like you are) and you used to be able to send in a letter of Right of Appropriation sample here you also need to look at your statements to see if these charges are attracting further charges because that should not be happening under bcobs i think.

 

some one did get their charges back under bcobs with RBS but not heard of HSBC doing the right thing (RBS Success here)

 

You can also complain to the FOS re hardship but as far as I know they just side with the banks as usual, but no harm in trying

 

Hope this helps

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