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    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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Reclaiming Bank charges and DPA


dogz111
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because no one has posted on it for the last 5919 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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Hello All,

 

I'm looking to reclaim bank charges from HSBC.

 

I've written to them asking for 6 years of bank statements. They have replied and sent me statements from the 9th Oct 2000. I'm obviously missing approx 3 months of statements. I've had my account with them over 12 years.

 

I obviously wish to progress to the next step of writing to them to reclaim my charges but there may well be extra charges in the 3 month period they haven't sent.

 

What is my best course of action ?

 

Cheers

 

Dave

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Hi

There are letters you can send for non compliance if the bank haven' sent out all your statements as per your request.

Here is a link to the templates

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

Hth

 

Carly

Lloyds TSB credit card-Judgement by default filed 8/06/07

 

Virgin credit card-£120 claimed Settled in full

Business barclaycard-£200 claimed Settled in full

Business a/c-£961.31 claimed Settled in full

NatWest personal a/c-£3010.28 claimed Settled in full

Abbey business a/c-£2390.96 Settled in full

Halifax personal a/c-£497 claimed Settled in full

HSBC credit card-£175.65 claimed Settled in full

Co-op credit card-£150 claimed Settled in full

NatWest business a/c-£250.00 claimed Settled in full

Halifax personal a/c2-£336 claimed Settled in full

Lloyds Business a/c-£1027 claimed Settled in full:lol:

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Thanks for that.

 

I've amended the letter to suit my needs.

 

Given them 7 days to reply to my request.

 

Lets see what happens.

 

Going to send my 1st letter requesting the charges back next weekend - its only £500 so far, hopefully we will go the court route as this adds about £150 in interest.

 

Cheers

 

Dave

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No problem Dave, hopefully you will get the rest of your statements very soon and can get going with your claim.

 

Good luck

 

Carly

Lloyds TSB credit card-Judgement by default filed 8/06/07

 

Virgin credit card-£120 claimed Settled in full

Business barclaycard-£200 claimed Settled in full

Business a/c-£961.31 claimed Settled in full

NatWest personal a/c-£3010.28 claimed Settled in full

Abbey business a/c-£2390.96 Settled in full

Halifax personal a/c-£497 claimed Settled in full

HSBC credit card-£175.65 claimed Settled in full

Co-op credit card-£150 claimed Settled in full

NatWest business a/c-£250.00 claimed Settled in full

Halifax personal a/c2-£336 claimed Settled in full

Lloyds Business a/c-£1027 claimed Settled in full:lol:

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  • 7 months later...

Hello, This is the first time I have posted.

I am starting my claim today. I am reclaiming 6 years bank charchges from Halifax PLC - because of there actions I am in a debt spiral :shock: , but I have decided that It's time to fight back. If I get my charges back I could be debt free :)

 

I have one question - when I am working out what I am owed, Should I deduct the £12.00, which I understand is the maximum they should have charged? I am not sure about this.

 

Grateful for anybodies help

 

Deb

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  • 4 weeks later...

Hello Folks,

 

I am in the process of of claiming my Bank Charges back from First Direct. They replied to my letter on the 26 /03/07 saying they would investigate my complaint and I would have a reply within 10 working days, as of today ( 10/04/07 ) I have heard nothing. Do I now send the letter giving them 7 days notice of Court action, advice , please. Many thanks.

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Hello Folks,

 

I am in the process of of claiming my Bank Charges back from First Direct. They replied to my letter on the 26 /03/07 saying they would investigate my complaint and I would have a reply within 10 working days, as of today ( 10/04/07 ) I have heard nothing. Do I now send the letter giving them 7 days notice of Court action, advice , please. Many thanks.

 

hi lt

it would be a good idea to start your own thread in the first direct forum so peeps can keep up with your progress.

 

if you mean do you send your letter before action - this should be 14 days since your last letter and you give them another 14 days to respond to your letter before action. this shows the courts (if need be) that you have given them a reasonable amount of time to respond.

If i've been helpful in any way....then tip my scales over there!

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Hi folks,

Along with dogz111, I also received my statements from Bank of Scotland today. They have only sent me statements as far back as april 2004 and I've banked with them since 1993.

 

Is this a new tactic the banks are using to slow us up with making claims?

Im going to send another letter from the template supplied by Carly

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Hi Derek it may be that you'll get another batch tomorrow so give it a day or so - they tend to come in batches.

 

Might be an idea to start your own thread in the Bank of Scotland forum as they'll be able to offer more specialised advice relevent to them, ie contacts etc.

 

In the meantime good luck with your claim :)

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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Hi All

 

my first post so please excuse if in the wrong place

 

I am eagerly awaiting the 14th day from when i sent my letter to HSBC threatening court action. I am preparing my Moneyclaim form online. Can anyone advise from from when does the 6 years i can backclaim start from? is it the date i orignally wrote to hsbs requesting the charges back or the date i begin the court proceedings?

 

many thanks

hopefully £1800 better off very soon

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Is this really a case of adding up all interest and total charges from your statements then claiming that amount? seems too good to be true-apologies for apearing so stupid but really cant get my head round this.Also,have noticed i hadbeen charged 1,423.09 in 2003 and 1486.81 in 2005 for a loan protection payment and charged 295.00 in 2004 for a fixed rate mortgage.Are any of these reclaimable.

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no, no, no - you can't just add on those interest charges.

pattacake - you need to start at the beginning: read this first.....

: Newcomer? Here's A User Guide

 

use this one as well:Charges description on statements - Please Read

 

 

follow the step by step guide and the faqs and most of your questions will be answered.

 

also, if you press this:newthread.gif

 

you'll be able to start your own thread in this forum and we will be better able to find you and help you.

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Thanks lateralus for the reply.What i mean is on my HSBC statements-i have a total charges amount and an interest amount-both taken out the same day but listed separately.Do both these count as charges?This is the only info HSBC statements provide me with-its all under one total listed as total bank charges so im confused.

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just read the charges description on statements again-thanks for your help.just cant help thinking this cant apply to me and ive no right to reclaim anything.What about the loan protection charge and charge for fixed mortgage-any hope ther do you think?

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i'm not up to speed with those - i'll get someone to answer you -

when you are ready to give the spreadsheet a go - here's a link you might find useful (i have to tell you that for a couple of days now the interest calculation sp/s link hasn't been working properly - it's been fixed - so don't worry if you can't get onto it straight away).

honeygie v HSBC *****WON***** (multipage.gif1 2 3 4 5 ... Last Page) post number 26.

 

if the interest calc. spreadsheets still aren't working:

try this:Click here for Vampiress' Chamber of Spreadsheets i've just easily opened a google account and there they are.

 

get that thread started - please!

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  • 3 weeks later...

actually posted a defence or just their intention to defend in the acknowledgment.

if the 28 days have passed and they have filed a defence - you should also have received a transfer to a local court - which court is it and were there any other instructions?

take a look at my thread new - after 28 days....

it will be in my signature at the bottom of this - that explains what is going on.

each local court judge has the discretion to act in a number of ways and it depends on what they say - so let us know if there are further instructions and/or which court it is.

 

as it says in post 1 of my thread - on the other front - the dg front - have you sent them a copy of your breakdown - if not, do so now.

and start with a nudge letter to dg - and i'm advising a nudge letter every 10 days until they offer and send a copy of your breakdown every letter. so, nudge dg. check letter for court details.

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Thank you, your thread "new---after 28 days" answers all I need to know at the moment. I will keep you updated if they come up with anything new.

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Hi, I too have written requesting my statements with theDPA SAR template , forty days have passed with no acknowledgement - don't know if i sent it to right address - sent to Service Quality Team in Leeds - surley they will redirect it? Also e mailed Customer relations for correct address - no reply...and tried to ring the Service Quality Team but was kept in the queue for ages ...and gave up. Any advice?:(

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hi, buy1 - i see you have a thread in the welcome forum - if you press this: newthread.gif you can start a thread in the hsbc forum and we will be able to help you better that way. so start your thread, please.

 

we have found lately that a polite request at your local branch can do wonders - explain that you have requested and it's over the 40 days and can they please help you out - and they often will get it done very quickly. another way forward is to use the internet banking and get your statements on-line -

 

INTERNET BANKING WEBSITE: -

HSBC INTERNET BANKING

 

HOW TO OBTAIN YOUR STATEMENTS ON LINE: -

Click on “My Accounts” choose the account that you wish to deal with and then click on “My Statements” this will give you online access to up to 6 years of statements. (Repeat for each account and use a separate spreadsheet for each account).

 

Hint: - Watch out for the moving "Prev" button it is replaced by "Next" which takes you back to where you started :rolleyes:

and there is also this:Data Protection Act - Non-Compliance - Template Letters but the bank is very busy with requests just now - so take the other two options first.

and get that thread started -

welcome to the forum

 

 

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