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    • Prices had already risen in expectation of action, with Brent crude near a six-month high last week.View the full article
    • Thanks everyone. Will speak with the manager first chance I get later today and let you know.
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    • Welcome to the Forum. The PCN must be subject to Bye laws as the warning near the bottom of the PCN does not comply with the protection of Freedoms Act 2012 Schedule 4 Under Section 9 [2][f[] of the Act it should say: (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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; Their version states they are pursuing you as the driver [because of the Bye laws they cannot transfer the liability from the driver to the keeper] even though you are the keeper. Should it go to Court Judges do not accept that the driver and the keeper are the same person. Obviously on many occasions another member of the family may be driving instead of the keeper. Indeed anyone with a valid motor insurance policy is able to drive your car. if any of the three cars were not driven by the keeper they are not liable to pay the PCN only the driver is.  as long as they do not divulge who was driving those lovely people at Alliance haven't a hope of winning against them in Court. What a shame. However while those keepers who were not driving are in the clear all is not lost for the other keeper drivers. Alliance still have to prove who was driving which is difficult providing those keepers do not appeal.  It is quite often that on appeal the keeper may say "I entered the car park at....."  immediately giving away that they were the driver. Plus even if you appeal it won't be accepted as a] they lose £100 straight away and b] mostly all the major car parking companies are dishonest scrotes. In the meantime you will be on the receiving end of threatening letters from Alliance, unregulated debt collectors and fifth, sixth or even lower rated solicitors all trying to frighten the life out of you to cough up. They can all be safely ignored since if you don't contact any of them they don't know who was driving so have no information that the can use in Court to identify the driver. Some time in the future they may send you a Letter of Claim which must not be ignored. Just let us know and we will advise a suitable snotty letter to send them which will show that you are not afraid of them and are happy to turn up in court knowing that you will win. Sorry it was a bit long winded.  
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hsbc charges


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hi

 

hsbc sent me a copy of the charges from the last 6 years even though i requested from the day i took the account out, which they said wasnt possible due to the dpa or something.

 

the list of charges they sent me only come to £85. do you think if i threathen them with the fos they will just refund the charges as it will cost them more if escalated through fos?

 

also what do you think i should do about getting lists of any charges more than 6 years ago?

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hi

 

Hi Stush :)

 

hsbc sent me a copy of the charges from the last 6 years even though i requested from the day i took the account out, which they said wasnt possible due to the dpa or something.

They hide behind the Data Protection Act which says they only have to go back 6 years .. .... sometimes when pressed they will go back further but it's difficult ... unless of course they want to go back further , then it's a different story ...... they can miraculously produce ........:rolleyes:

 

the list of charges they sent me only come to £85. do you think if i threathen them with the fos they will just refund the charges as it will cost them more if escalated through fos?

Threatening them with FOS at the moment is like hitting them with a feather pillow .....FOS are snowed under with complaints - it's 8 weeks before they'll even look at one and they're reputedly using untrained students as investigators.....the last I heard they were about 15 months behind with cases . Also IMHO they are more on the banks network than ours.... and the banks are not scared of them anymore ...

also what do you think i should do about getting lists of any charges more than 6 years ago?

See my comments above , you could write and formally ask them , but they'll hedge and waffle .......

 

Sorry to sound so negative , but I have to tell it like it is (if you click on the little arrow by the fos name it'll tell you very much the same as I have) . For £85 I wonder if it's worth the hassle ...... but only you can decide that one stush .......

 

But by all means come back if you want more info ....... :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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for £85 not really worth filing this claim at the court, but thought if i try by mentioning fos they may refund, as I am aware it will cost them more if complaint goes through fos.

 

I will check if can see statements from 2001

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If you have any success . please let us know stush - it may help others to follow in your footsteps ...... :)

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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