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    • Excellent news! Thread title updated. Please do consider a donation in light of the help received here. The help we give is free, but try telling that to our server hosts!
    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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maria100 v HSBC


maria100
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ive got my reply from the court maria to say they are defending if full. we filed the same day so Im sure you will hear something by the weekend. good luck!

 

Im not going to get cocky just yet in this race as I have never requested a cheque even though thats what i want so u could still steam ahead lol.

 

xx

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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  • 2 weeks later...

Maria - I am on the same time scale as yourself - give of take a day or two. Persoanlly I am NOT going to contact them and hopefully let them default by not entering a defence - I do note that the DG person dealing with this is on Hoilday this week... I am only 4 and 6 days away from wining by default - but i am prepaired for them to enter a defence and extend the process even further.

My advise if free and is worth exactly as much as you paid for it….

 

HSBC 28 Oct 2006 Personal accounts ~ Offered and accepted ~ £3514 :)

HSBC 15 Sep 2006 Business ~ Offered and accepted ~ £4980 :)

MBNA 7 Sep Offered and accepted £2290 - (my amount £1170 plus Compound Interest) using the "phone call method" :o

FREEWAY 28th Oct ~ offered and acepted £506 :)

TSB VISA MCOL £300 - court date 27th March 2007

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Oh the fax number for DG is

 

0121 4552150 - it is on your notice of ACK that the court should have sent you...

My advise if free and is worth exactly as much as you paid for it….

 

HSBC 28 Oct 2006 Personal accounts ~ Offered and accepted ~ £3514 :)

HSBC 15 Sep 2006 Business ~ Offered and accepted ~ £4980 :)

MBNA 7 Sep Offered and accepted £2290 - (my amount £1170 plus Compound Interest) using the "phone call method" :o

FREEWAY 28th Oct ~ offered and acepted £506 :)

TSB VISA MCOL £300 - court date 27th March 2007

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Thank you, I am unsure what to do really, could do with the money and would be nice not to have to pay the extra fee with the allocation q but at the same time the interest is going up each day (not by much I might add). Also I'm unsure of how long they have left to respond - I know they are given 5 days from the claim being issued for it to be deemed served but they acknowledged before then, so is it 28 days from when they acknowledged??? or when the courts would have deemed it served which would be 29/9/06???

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Just thought it through and its actually 14 days from service until they enter a defence isn't it - Ignore me I'm getting confused through stress!!

 

.................No its not, its 28 days as they've acknowledged (losing the plot completely now)

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nearly there ! think of that lovely new laptop!!:D

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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you are just trying to win the race, arent you??

 

I got the letter from dg asking for breakdown last thursday but didnt send the letter til today. I only put the spreadsheet in...should i have put the photocopies of statements in too?

 

xxx

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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Hi Kazzy, I have sent my schedule of charges by email to Debbie D today and had the usual "I am out of the office until 16/10" but I had to do something - need the money really and just plain impatient. She won't get it til Mon but at least they have it now..........

 

...........have to play the waiting game again!

 

I wouldn't worry about sending DG your statements too, I just sent the spreadsheet, I think thats all they need.

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Oh good. would have cost a fortune to post the rest to follow! lol.

 

good luck. lets hope she deals with both our papers on Monday. (though i aint holding my breath lol)

 

i guess first will be the offers... then we agree...then await cheque. sigh...

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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  • 2 weeks later...

Right, this morning I have received their defence and the AQ with my case being transferred to Bristol County Court. Now getting nervous, I've heard nothing from DG and expect to have to battle for a chq so times running out and feel like I need to start preparing for court just incase!!

 

Any advice would be v welcome at this stage.

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Hi Maria

 

Flipping heck some one does hear something at last. HSBC acknowledged my claim on the 6/10/06 and they haven't even entered in to a defence. Talk about drag feet or what. Maria from reading all the threads on here for the lat few months I wouldn't worry you will be fine they will pay out in the end. Looks like I should start saving my pennies for the defence which will be entered maybe this is because we have both asked for a cheque.

Data Protection letter sent 15/08/06

 

All statments received 29/08/06 total £3950.50 2 accounts

 

Prelim approach sent 30/08/06 - for both accounts

 

LBA sent for both accounts 15/09/06

 

MCOL Filed for both accounts 05/10/06

 

MCOL Acknowledged 12/10/06

 

Letter Received req breakdown of charges 28/10/06

 

Letter Sent with breakdown of charges 28/10/06

 

Letter received with full offer on the 01/11/06

 

Sent letter back accepting offer and crossing confidential agreement out 01/11/06

:razz: :razz: :razz:

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Hi winnie,

I must say I'm a bit worried its got to this stage but if I end up in court so be it! Their 28 days was going to be up Thurs so they've obviously enetered defence now to buy yet further time, not sure wether to chase DG or just keep waiting.........may give it a few more days then chase and advise my AQ will go in if they don't want to settle out of court.

Hope you hear something soon too.

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Thanks Crusher, I'm hanging on in there by a thread, will look at the info for completing the AQ ready for when I need to send mine off!

Fingers crossed DG will get a move on now eh?! Maybe not........this is DG were dealing with!

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With all this going if you fill in the AQ can they still settle out of court after you have filled in the AQ and sent it off??

 

Is there a poin tof no return where it can't get settled out of court ??

 

I'm a few days behind you lot so I 'm getting slightly worried ..............

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They can settle at any point up until the court date - this is why the courts were trying to push a test case through at Mercantile Court but the banks always settle before, wether that be way before a hearing date is set or just before at the 11th hour!

 

Therefore filling in the AQ doesn't mean you've gone passed the point of no return, they just like to make you squirm thinking that you could actually be the test case and all the while this gives them extra time.

 

Didn't want to worry you, I just got an attack of nerves but fine now!

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Right then, having had a chance to read through this little lot i've recd, all seems quite straight forward really, I have until 11/11/06 to return the AQ and their defence is short and sweet. Just for anyone following my progress heres their defence in its entirety.................

 

1. The claimants account is governed by the defendants personal banking terms and conditions.

2. Pursuant to the defendants terms and conditions the defendant is entitled to make a charge for its services as set out in the defendants price list.

3. It is denied that the fees charged for the services provided amount to a penalty or liquidated damages clause. The fees are an agreed price for a service provided by the claimant.

 

Surely the last line is incorrect, should it not be "The fees are an agreed price for a service provided by the defendant"

 

There we have it, gonna wait a week to hopefully hear something from DG and if not will complete and return the AQ!!

 

Wish me luck guys!

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Lots of Luck

 

I did read on someone elses thread that they phoned DG and warned them that they were prepared to go to court but to save HSBC money and extra intrest cost would they be prepared to amount to a offer before the AQ was filed. I understand that DG agreed and gve full offer. Only prob is I can't remember who's thread it was maria sorry. Oh and wish you luck !!

Data Protection letter sent 15/08/06

 

All statments received 29/08/06 total £3950.50 2 accounts

 

Prelim approach sent 30/08/06 - for both accounts

 

LBA sent for both accounts 15/09/06

 

MCOL Filed for both accounts 05/10/06

 

MCOL Acknowledged 12/10/06

 

Letter Received req breakdown of charges 28/10/06

 

Letter Sent with breakdown of charges 28/10/06

 

Letter received with full offer on the 01/11/06

 

Sent letter back accepting offer and crossing confidential agreement out 01/11/06

:razz: :razz: :razz:

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maria, winnie and plonker,

following your progress. take heart that everyone goes through the same process - some at a little varying rates but nonetheless the same route.

don't be in a hurry to file the a.q. maria - 11/11 is miles away. plus it does give you something to talk to dg about to move things along. we did that - you can look at our path in the successful hsbc claims section lateralus-v-hsbc we won.

when the aq loomed - we phoned dg and said basically as above - we are sure you don't want the additional charges...but if we don't hear from you, we will have to file the a.q. honestly, this is the point where you wait - but then maybe you try to push a bit as well. wouldn't hurt to have a fax number available (a friend or whatever) so they could fax an offer letter if it's getting close. keep the faith, you are nearly there.

as for the wording of the defence - i've also been following a guy called neil faulkner on the motley fool website - he comments on the wording of the defence and it's quite funny - right down to the obvious e-mail cut an paste job of the defence - noted by the punctuation markings. check it out if you get a chance. here's the link: My Ongoing Bank Charges Saga - 28/09/2006 - The Motley Fool UK

plonker, doesn't matter what size the claim is - it's yours so get it back!

good luck all three of you - there are a lot of people keeping an eye on what's going on, even when we have successfully got our charges back - just because it feels good to see others achieving their goal.

good thoughts!

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