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    • Thanks London  if I’ve read correctly the questionaire wants me to post his actual name on a public forum… is that correct.  I’ve only had a quick read so far
    • Plenty of success stories, also bear in mind not everyone updates the forum.  Overdale's want you to roll over and pay, without using your enshrined legal right to defend. make you wet yourself in fear that a solicitor will Take you to court, so you will pay up without question. Most people do just that,  but you are lucky that you have found this place and can help you put together a good defence. You should get reading on some other Capital One and Overdale's cases on the forum to get an idea of how it works.  
    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
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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?

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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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