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    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
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boo vs HSBC


Boobaby
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You mean that avatar picture ISN'T a true representation? I'm shocked :D :D :D

 

I wish - 2 grown up kids, both finished University and I wasn't a child bride... Second childhood for me I'm afraid?

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Good morning everyone really excited this morning offer received from HSBC for £2000 with the usual non admission of liability blah blah, in full and final settlement blah blah. To be honest I thought it would be easy to say 'on your bike if I owed you £2700 you wouldn't accept £2,000 in F&FS etc.... But there is a very large part of me that is worried!! If I do not accept this will they close my account, get very nasty or fight me and there is a possibility that I lose????

So brothers in arms - what to do next?

Mind you I could always send Sulley and the gang round!!!

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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i would fightbut it is up to you they wouldnt let you off £700 off a debt to them stick to your guns. good luck

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Morning Angela1606 - Have you come back to earth yet?

I notice from your thread that you ignored the offer is that the way to go and just continue with the moneyclaim or what? They seem to have made this offer quite early in the day really, as I notice from yours they didn't make an offer until MCOL had been issued and acknowledged.

KEEP YOUR DRINK JUST GIVE ME THE MONEY!!!(buying that album this week!)

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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cool it is a really good album pink is on top form with this one im going to her concert on the 5th nov in manchester cant wait no not come back down just yet am booking our planned holiday to disney when it comes in hubby been doing a savings plan to pay for it but needed the deposit so cant wait and yes i stuck to my guns ignored the offer as already 4 days into mcol your offer has been made to make you think and it obviuosly works but you will get the full amount just hang in there

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Congratulations on the offer, whether you accept or not is your decision but i know i'd have to seriously think about it : )

Hopefully my offer won't be far behind yours as we are on the same sort of timescale x

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Congratulations on the offer, whether you accept or not is your decision but i know i'd have to seriously think about it : )

Hopefully my offer won't be far behind yours as we are on the same sort of timescale x

Same here - but to be honest I'm going to take a chance and continue with the action as I said earlier and Angela1606 reiterated If I owed them £2700 they wouldn't accept £2,000 so watch this space...I'm watching your progress as well Electra - we're getting there honey!!!

One question if anyone can help with please:

Should I acknowledge the letter and accept the £2,000 in part settlement and do the moneyclaim or a different letter or should I wait out the 14 days then proceed...

Thanks - boo

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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i would acknowledge offer as part settlement wait until the 14 days are up from the lba ten do mcol

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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i would acknowledge offer as part settlement wait until the 14 days are up from the lba ten do mcol

thanks for that, will do!

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Well I've done it - I refused it sent a letter accepting partial settlement etc... (BoooooHooooo)come on girl shape up, be brave you're doing the right thing (I am aren't I?) Saw loads of magpies in the park this morning when walking my Elvis, so is that a sign? It is isn't it? God I'm talking to myself now...!!

Boo x

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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well done you will get all the money in the end, i'm sure the magpies were a great sign......

There wasn't any post for me when i got home but i am a day behind you so who knows what tomorrow may bring!!

keep me updated x

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chin up keep going thats exactly what they wanted you to feel we are ALL here for you and most have been in the same situation wtg keep the faith

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Thanks Electra, good feelings coming your way!!!

Angela thanks for the continuing support really really appreciated - I'm keeping the faith. BTW have you got any other claims in?

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Share on other sites

not yet but i do have a few battles to go ersonally i have a fight against capital one then i have a fight against natwest for my mum and one against halifax for my mother in law and few more i think lol

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Share on other sites

Sorry i meant to ask did the offer letter say it was in response to your prelim or lba? Just curious cos my first response was a go away letter.....

Thanks x

Good evening hun - how are you doing and where are you at?

Letter sent today (recorded) accepting the £2,000 as partial settlement but will be chasing the rest so to speak and it was in response to prelim letter as they referred to the date as the 4th of August. I can't understand how they've been so quick in dealing with this mind I have to be honest!! Let's just hope it continues in that vein....:D

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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hi,

 

I received another go away letter today but was again in response to my prelim as it was dated 19th August! this time was sent by david johnson last time by Colin Langdale!! don't think they communicate too well :| oh well guess i just have to wait for the 14days to be up then mcol for me.....

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Oh honey so sorry:( ! Having said that they seem to respond, if you look at most threads somewhere between the start of the MCOL and the actual time up period with an offer, so you never know! Got all my fingers and everything else crossed.

Currently working with my sister at the moment on a claim, everyone seems a bit more positive since I had the offer from the HSBC even that son of mine (mr cynical!!) tells me he hasn't got any charges (smarmy so and so!) so is looking to spend some of mine!!!!:rolleyes:

Take care...Boo

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Hi, I'm all a bit new tothis and have been reading lots of advice etc, I would also like to start reclaiming bank charges from HSBC, however you may think I am being really dum, but do I send the Data Protection letter to head office or the branch where my account is held?

Thanks

Sarahpaz

 

hello,

 

just wanted to say if you have online banking all 6 years worth of statements are available online so there is no need to wait for them in the post. log in and on the left click statements this goes back 6 years!!

 

thanks sara

Good Luck:)

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  • 2 weeks later...

Hello it's me - I've been sitting in front of this lovely screen most of the night trying to fit in all the text I want to use on the MCOL site - help, what do I leave out and in etc...........!!!

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Example POC, may need tweaking to fit.

 

Claimant has account (A/C No) with Defendant from (Date a/c opened)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00 = amount of charges claimed) taken by Defendant in charges over (X) years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date of 1st charge) to (Date of filing claim) of (£0.00 =The interest in the 8% spreadsheet calculation) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00p = Amount of charges claimed x 0.00022).

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Example POC, may need tweaking to fit.

To be honest that's exactly what I've got on the form, I've taken out all unecessary spaces etc. but you only have room to fit in 1080 characters and at this moment in time I have 1300 and odd. No matter I'll take it down to my local court I only work up the road from there and will do it manually as opposed to on line. I will email the case No. etc. when done on the corrrect forum.

Thanks anyway

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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  • 2 weeks later...

Just a quick update - N1 form completed on line (not MCOL as couldn't fit in everything so didn't want to mess it up) and then printed out so down to local court tomorrow as no response from HSBC since I refused partial settlement weeks ago. I also followed it up with a phone call, rude girl on the end of the line told me it would take at least five days to respond to my phone call !!! (that was more than 10 days ago). No response so I'm continuing with the process.

Boo

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Share on other sites

Just a quick update - N1 form completed on line (not MCOL as couldn't fit in everything so didn't want to mess it up) and then printed out so down to local court tomorrow as no response from HSBC since I refused partial settlement weeks ago. I also followed it up with a phone call, rude girl on the end of the line told me it would take at least five days to respond to my phone call !!! (that was more than 10 days ago). No response so I'm continuing with the process.

Boo

Well I've done it I submitted the claim in the Court handed over my hard earned crusts, and walked out of the court proud but nervous. Then whilst driving away a little song popped into my head so thought I would share it -

 

Zippedy doo da zippedy ey!

HSBC there's claim on the way,

You should have listened, instead you must pay

now more than I asked for on the first day!

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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