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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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Hi I put in a claim for my bank charges quite some time ago now and was quickly recieved a reply stating that due to the ongoing court case that it would have to be put on holdwhich i had no problem with.

 

I then recieved a county court claim letter stating that it would be going after me in the county courts for the the sum of money which it says i owe them i snet back all the documents as required filling out as my defence that the amount was subject of a claim for bank charges and that i did not understand why this was being bought before the court as the case was still ongoing.

 

got a letter bacjk from the court stating that my defence was correct and that it would be put on hold till the casse with the oft was finished.

 

his morning i have recieved a letter from the solicitors of the banks debt collection agency with regards to the claim it reads as follows:

 

we refer to the matter ,in particlular to your defence which you have filed in relation to charges being applied to your account.

 

Please find enclosed a Statement of Account as provided by our clients predecessor HSBC Bank Limited.

 

In an effort to bring this matter to a satisfactory conclusion, we can confirm that our client is prepared to accept repayment of the outstanding debt by way of a consent order.

 

We can confirm that a Consent Order is an agreement without a county court judgment being made between the Claimant and yourself , therefore , there will be no public information registered against you upon the county court register in respect of this claim

 

here fore we request that you contact the above office to discuss repayment of the outsatnding balance.

 

We trust that this now clarifies this matter.

 

Yours sincerely

 

un signed

 

Howard Cohen and Co

 

 

 

HELP what the hell am i supposed to do with this

 

i thought the banks had lost

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This is very abusive and unfair. They have placed your claim on hold and then go and start their own claim against you.

 

As RMW has asked, what are the level of charges and how much are they claiming from you.

Can you post their POC for us to see

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We claimed over 1700 pounds and and their cliamimg 2700 broken down as 1700 on an outstanding loan and 1000 on the actual bank account.

 

why thay would think im going to pay voluntarily is beyond me.

 

POC whats that?

Edited by Puggie
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We claimed over 1700 pounds and and their cliamimg 2700 broken down as 1700 on an outstanding loan and 1000 on the actual bank account.

 

why thay would think im going to pay voluntarily is beyond me.

 

POC whats that?

OK. If you handle this correctly, it might not be too bad.

 

Firstly, you've been registered on this forum and you don't know what POC stands for. You need to start doing some seriosu reading of this forum so that you know your way around and you understand the procedures you will be employing.

 

Have you put in an SAR? If so when? When did you come up wih the figure of £1700 for charges? Are you sure that it si fully calulated. Have you taken in to account all of the interest they have charged you on this? Have you included overdraft interest on this?

 

We need to see a scanned copy of your POC and your defence. take out identifiers but leave in dates and ammounts

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as i stated i im no good with acronyms if you had said particulars of claim i would have known

right i followed all the advise as to how to claim bank charges back from this forum.

I dint need a copy of my bank statements as HSBC are kind enough to make them available online whilst you have an open account.

 

I used the complex bank charges Calc and i will try and include a copy here

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Are you in a position now to calculate all of the extra charges?

 

Have you read through at least the first post of this?

http://www.consumeractiongroup.co.uk/forum/general/201984-why-let-your-bank.html

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Is the oldest charge they told you about the one from 2005?

 

If you have had your account for longer than that, I am sure there will be have been more charges applied before 2005 and you can reclaim these as well. This is why a SAR would have been useful.

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the reason the oldest charge is only 2005 is because that is when they first made a charge against the account i didnt go back any further because before then we had had no other charges levied against us

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the reason the oldest charge is only 2005 is because that is when they first made a charge against the account i didnt go back any further because before then we had had no other charges levied against us

 

OK, just wanted to make sure you werent being fobbed off with an incomplete list of charges. :)

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Your interest calculations are wrong to the point of being generous.

 

eg: On your last charge dated 13/7/07, interest accrued @ 16.92% is £73.25 to today's date.

 

Compound interest calculator

 

 

sorry i dont follow you the figures on that sheet all come from the date it was sent which was july 2007.

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Are you in a position now to calculate all of the extra charges?

 

Have you read through at least the first post of this?

http://www.consumeractiongroup.co.uk/forum/general/201984-why-let-your-bank.html

 

 

yeah i am in a position to calculate all of the extra charges as they sent me copies of my bank statements right up to the date that they closed the account and passed it to CL finance Ltd.

and yes i have read the post.

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I expect that noomill060 knows that he/she is doing. I don't understand the calculations but I do understand the principles very well.

 

I have realised that most people don't understand how much they have lost to the bank.

 

You need to take a hard look at this - but not for too long

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Calculate everything. Make sure that you are claiming back any interest on your overdraft too.

 

Let us kow what the figure is.

 

Set about amending your pleadings.

 

Make a complaint to TS that HC are abusing the court process and the terms of the stay. send the same complaint to the OFT.

 

Write to HC and tell them that they are abusing the court process by having a stay and then continuing to chase and threaten litigation on the same issue. tell them that you have complained about them to the TS and to the OFT.

 

Let us konw what the nes figure is. Don't forget that you are also adding 8% right up to now and continuing. With the addiitonal charges, it wouldn't suprie me if you were quits.

 

Warn them that if they try to issue a claim againt you then you will point out their abuse of process to the judge.

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We claimed over 1700 pounds and and their claiming 2700 broken down as 1700 on an outstanding loan and 1000 on the actual bank account.

 

and if I am not mistaken a loan and an overdraft cannot be lumped together in one claim

 

You can put anything you want to into a claim but the POC for a current account overdraft and a loan account would be huge and I doubt very much if Howie C. has gone to that much trouble.

 

I assume the charges you are reclaiming have been levied on the current account and the loan is just a lead weight that they have added into the equation for good measure.

 

Have you checked the credit agreement for the loan, is is enforceable?

 

Did you submit your charges claim in detail as a counter claim in your defense? (by the way well done for getting that far!!! :D)

 

sorry lots of questions :rolleyes: but the more information we have the better answers we can give :).

 

pete

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Best to lump the loan and the overdraft together if they have taken charges on both.

 

Here is a lnk to another thread in which HSBC are getting beyond themselves

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/231839-iiyama-hsbc.html

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