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    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Bleebee vs HSBC


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hi! i wrote a long letter to HSBC explaining my situation and asking for considering to remove my charges or give me an overdraft facility so i would be able to be in black (I'm still paying off one misuse of my account with different bank that happened 8 years ago - and i've been "good" since, i don't have any credit cards or loans). they sent me response "NO". i've decided to use your template letter to claim for last 6 month but because i manage my account paper free, i've asked them on three separate occasions to provide me with a total of my charges and interest for last 6 month (the first request was on the 17th ! of August). Instead i've received today letter not giving me the total i've requested but conformation that they are not going to refund me any money - quoting clause 7.11 in section 2 and told me to complain to Financial Ombudsman Services.

I've used your template to claim - step 1 - and instead of the total i insisted again on providing me the total for last 6 months and demanded refund of that (unknown to me amount).

I've also ask for a paper statements for last 6 months to be send to me by post.

Do you think there is a chance of wining with them!??

despaired Anna

:rolleyes:
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Best advice is to follow the step-by-step guide in the FAQs, and start by making a written request for all your notes and transaction history. Do not limit this request to six years, ask for it all. They will probably respond that they only have six years, and will send this anyway.

 

Next step is the preliminary request, asking for it all back. Last bit of advice - ignore anything they say to you unless it is a serious offer to settle your claim. It is your claim, and your timetable - they will prevaricate and try to put obstacles in your way. Don't let them. Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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Thanks for your advice, i'll do that. have you meant 6 years or 6 months? i've requested 6 months - do you think i should go back? i've been with them for about 14 years.

Thanks again, your respond lifted my spirits a bit.

best regards Anna

:rolleyes:
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Ask for EVERYTHING they hold on you - a Full Disclosure Subject Access Request. This includes notes, transaction histories, evidence of manual intervention - the lot. By law they are obliged to provide everything they hold on you that is relevant to you (so they may not give details about a joint account for example...)

 

They will tell you, for certain, that all details older than six years will have been destroyed. Clearly this destruction is a processing of your data, and as such they should provide evidence and notes of this also.

 

The reality is that you will get six years worth of statements, little to no notes, and not much else. Don't forget to include the statutory maximum £10 administration fee with your request.

  • Confused 1

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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Hi! i just thought i start new tread to keep all updates of my fight easier to follow.

1. i've wrote a pleading (pre consumeractiongroup forum) letter begging for some sort of understanding, help etc.- I'm finishing my PhD, worked all my life but due to bad credit history (from 7 years ago! - one still outstanding debt, I'm paying off regularly - only £200 left) no chance for a credit, or overdraft and additional charges that i got - because i had to go abroad for the funeral simply buried me. All i got was another kick below the belt.

2. EUREKA! discovery of consumeractiongroup forum. requested total of charges for last 6 month (i thought it was 6 months not years!) and after 2 weeks of waiting and additional 2 request i got a letter quoting Close7.11 section 2

3. Got excellent advice from Phoenix and requested a Full Disclosure Subject Access and send template letter asking for the repayment under s.7 and 13 of the Data Protection Act 1998 plus my costs.

 

 

how long they are allowed to take to produce Full Disclosure Subject Access?

wish me luck. since i've started, i feel they are really on my case but i'm not going to give up. i was trying to be friendly and open and all i wanted was to be understending in time of my diffficulties and it got me nowhere !

 

all the best to everyone and thanks for all the help and moral support

:rolleyes:
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Hi! i just thought i start new tread to keep all updates of my fight easier to follow.

1. i've wrote a pleading (pre consumeractiongroup forum) letter begging for some sort of understanding, help etc.- I'm finishing my PhD, worked all my life but due to bad credit history (from 7 years ago! - one still outstanding debt, I'm paying off regularly - only £200 left) no chance for a credit, or overdraft and additional charges that i got - because i had to go abroad for the funeral simply buried me. All i got was another kick below the belt.

2. EUREKA! discovery of consumeractiongroup forum. requested total of charges for last 6 month (i thought it was 6 months not years!) and after 2 weeks of waiting and additional 2 request i got a letter quoting Close7.11 section 2

3. Got excellent advice from Phoenix and requested a Full Disclosure Subject Access and send template letter asking for the repayment under s.7 and 13 of the Data Protection Act 1998 plus my costs.

4. Got a response that their charges are fair and legal and my "comments" were passed to the relevant department (1.09.06)

 

 

how long they are allowed to take to produce Full Disclosure Subject Access?

wish me luck. since i've started, i feel they are really on my case but i'm not going to give up. i was trying to be friendly and open and all i wanted was to be understending in time of my diffficulties and it got me nowhere !

 

all the best to everyone and thanks for all the help and moral support

:rolleyes:
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Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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i am on this road too so will follow this with interest ( altho not pentalty charges LOL) sorry!

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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i was trying to be friendly and open and all i wanted was to be understending in time of my diffficulties and it got me nowhere
LOL - you need to deal with them in the only language they understand - the courts...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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you are right radiodan, 40 days it is (sorry blee, I missed the question!)

I might just be getting the hang of this after all then :D

I read about your little battle last night Crusher, very interesting, I think I will be removing the confidentiality agreement when I take my payment as well.

Currently taking action against the HSBC for £2465

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  • 1 month later...

i've send my LBA and I'm quite anxious what's going to happen. i was wondering how many of you got money without the court and how many had to go for it. i know it doesn't mean anything for me but i'll make me feel better - i hope.

all the best to all still fighting and congratulation to all those who wan!

:rolleyes:
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i've send my LBA and I'm quite anxious what's going to happen. i was wondering how many of you got money without the court and how many had to go for it. i know it doesn't mean anything for me but i'll make me feel better - i hope.

all the best to all still fighting and congratulation to all those who wan!

 

 

Six cases for me 2 went to MCOL none went all the way.

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I got a full refund after the LBA - they initially offered me 90% of my claim, but when I refused it they offered me the full 100% back so I didn't even have to do the MCOL. Am now claiming for the joint account so that may be a different story!

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They dragged their heels on everything for me. No responses at all for any letters. Went to court and they defended which gave them even more time and then issued a defence at the same time as offering full refund.

I started my claim end of June and it has just been finalised now. Think it is luck of the draw to be honest.

Sarah

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Hi Sarah,

 

What was the basis of their defence ? :)

 

I've just submitted my Prelim, LBA waiting to go for £3,200+ getting more paranoid by the day that I'll be the 'first one' who ends up on the front page of the Sun and a slot on Richard and Judy show !!!! :eek:

 

Good luck, Steve x

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Hi Steve

Here is the letter they sent me:

It lists 3 points:

1. The claimants accounts are governed by the defendants personal and / or business 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 (if it alleged) a liquidated damages clause. It is denied the fees are an unfair contract term. The fees are an agreed price for a service provided by the claimant.

Hope this makes sense to you cos it doesnt to me! Lol.

Sarah

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im suing as they seem to have forgotten to reply to my Prelim and LBA. they should be served papers by today and i will hear formthe courts before i hear form them no doubt.

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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Hi Steve

Here is the letter they sent me:

It lists 3 points:

1. The claimants accounts are governed by the defendants personal and / or business 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 (if it alleged) a liquidated damages clause. It is denied the fees are an unfair contract term. The fees are an agreed price for a service provided by the claimant.

Hope this makes sense to you cos it doesnt to me! Lol.

Sarah

Hi Sarah,

Looks like they are trying to delay - couple of thoughts !

 

The claimants accounts are governed by the defendants personal and / or business banking terms and conditions.As long as they are lawful !

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.Yes as long as it is deemed fair and reasonible given the actual cost(s) incurred by the defendant

3. It is denied that the fees charged for the services provided amount to a penalty or (if it alleged) a liquidated damages clause. It is denied the fees are an unfair contract term. The fees are an agreed price for a service provided by the claimant.Oh NO there not agreed, when did the claimant 'agree' these, also how can it be anything other than a 'penalty' as it is in excess of the actual costs incurred for administering the account.

These are only my thoughts obviously, but based on all the blurb I have gleaned from in here I am confident that they are sound 'thoughts'

Good luck, don't give up, don't be swayed or feel intimidated by the bank, there is stacks of info in here

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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;) That's great then - I hope you cashed it at another back LOL

I'm still patiently sitting out the first 14 days from my prelim, LBA typed and ready to go - HSBC bring it on !! :cool:

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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